Ways to Pay for Home Care

Right at Home Salem Marblehead's trained staff can help you navigate the cost of in-home care and show you how your family can save money on senior care services. Our RightCare services are competitively priced for the Salem Marblehead area. Whether you need hourly homemaker care or more demanding services, we can provide the best care at prices that save your family time and money.

Our in-home caregiving services are customizable to your loved one's exact care needs. Unlike many healthcare facilities, Right at Home can provide services for a few hours a week all the way to 24 hours a day, 7 days a week, in the comfort of their home. You are in control over what schedule is in place, and as your loved one's needs change, care services can adjust as well. We understand these decisions come with stress, so give us a call to discuss further how we can help you with the various options below.

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Private Pay

If the number of hours required each week is minimal, or if you only need support for a short period of time, you may want to consider paying for in-home care services on a private pay basis.

Private Pay Services are also a great option for Homemaker Services such as:

• Light housekeeping
• Meal preparation
• Laundry support
• Transportation
• Bathing
• Dressing
• Physical assistance (transfers, ambulation etc.)

* Private Pay Services are the quickest way to get services set up so if an emergency arises. It is best to get signed up, then look into ways to reduce the financial burden of care.

Ask about our RightTransitions Program. Our Care Transitions program helps patients who have been discharged from a hospital or rehab with their transition to home. Services can last a few days or longer stretches of time, to help improve patients' recovery as well as assist with daily tasks they may be unable to do for now.

Long Term Care Insurance

Your loved one may be among the 10 million American’s with Long Term Care (LTC) Insurance Protection, and you may not even know it. Often times, LTC Insurance Policies were purchased many years ago and forgotten about, until now.

The good news is LTC Insurance Companies DO Pay Claims. The bad news is that YOU are the person responsible for submitting a claim. We can help!

Once an Assignment of Benefits (AOB) is completed, Right at Home Salem Marblehead will manage the claim process by verifying that your loved one meets the care need requirements outlined in the policy. We will submit daily activity sheets and provide the necessary financial documentation in order to ensure payment is received.

Contact us for a complimentary policy review which includes insight on policy issues such as:

• Which company currently manages my policy?
• What is my policy schedule or outline of coverage?
• What types of services are covered under my policy?
• What is my benefit period?
• Do I have an elimination period, and if so, how long is it?
• What is my daily reimbursement rate for homecare services?

* Find important Long Term Care Insurance terminology and policy definitions.

Long Term Care Benefit Plan

A Long Term Care Benefit Plan is a unique option that prolongs the time in which a person pays for home care services privately and delays their acceptance into Medicaid. No health conditions are denied, there are no waiting periods, no care limitations, no costs to apply, no requirement to be terminally ill, and there are no loans or premium payments. Policy owners convert their in-force life insurance policy to enroll in the benefit plan and are then able to immediately direct tax-free monthly payments to cover in-home care services.

Veteran's Aid & Attendance Benefit

Veterans Aid and Attendance is an additional pension benefit paid directly to a qualified Veteran or surviving spouse.

This benefit helps pay for assistance with services Right at Home Salem Marblehead provides such as:

• Bathing
• Dressing
• Meal preparation
• Medication reminders
• Other activities of daily living

At Right at Home Salem Marblehead, we proudly care for Veterans, their spouses, and surviving spouses every day. In the United States, 1 out of every 3 seniors is a Veteran or a surviving spouse. If you are one of these heroes, you may be eligible for this underutilized benefit.

This additional benefit could provide up to $25,020 a year in supplemental income to help cover medical expenses, including Right at Home home care services. Unfortunately, millions of qualifying veterans and families do not take advantage of the Aid and Attendance benefit simply because they do not know about the program.

Veteran's Aid & Attendance Benefit Eligibility Checklist:

• Did the veteran serve at least 90 consecutive days of active duty, with at least 1 day during an active wartime period? (WWI, WWII, Korean Conflict, Vietnam era, or Gulf War)
• Does the Veteran or surviving spouse require assistance with Activities of Daily Living, such as bathing, dressing, toileting, eating, medication management or other personal care tasks?
• Does the Veteran or surviving spouse have less than $80,000 in assets? (not including value of car(s) and/or home)

Veterans Care Coordination

Reverse Mortgage

A reverse mortgage is a unique type of home loan that converts a portion of the equity you hold in your home into cash. The equity that you have built up over years of making mortgage payments can be loaned back to you in the form of cash, which can then be used for services including Right at Home Salem Marblehead in-home care services. This type of loan can provide supplemental tax-free income without having to sell your home, forfeit the title, or make additional monthly mortgage payments.

In addition to these benefits, you don’t need to repay the loan as long as you or another borrower continues to live in the home. The loan only becomes due when the last borrower permanently leaves the home, at which time the reverse mortgage principal, interest charges, closing costs and service fees are typically paid back from the sale of the house.

* Find out more about Reverse Mortgage eligibility requirements and benefits.

Public Benefit Programs

If you or your loved one lives on a limited income with few assets, he or she may qualify for home care assistance through Medicaid, Veteran’s Benefits, Program of All Inclusive Care for the Elderly (PACE) or State Health Insurance Assistance Program (SHIP). Check with Medicaid about PACE and in-home care beyond acute, short-term care. You may also want to talk with a SHIP counselor in MA (link). Your local Area Agency on Aging is another helpful resource for in-home care coverage.

Does your loved receive funded services through the following?:

• Elder Services of the Merrimack Valley (ESMV)
  • Phone: 1-800-892-0890
• Greater Lynn Senior Services (GLSS)
  • Phone: 781-599-0110
• Mystic Valley Elder Services (MVES)
  • Phone: 781-324-7705
• North Shore Elder Services (NSES)
  • Phone: 978-750-4540
• SeniorCare Inc
  • Phone: 978-281-1750
• Somerville Cambridge Elder Services (SCES)
  • Phone: 617-628-2601
• Commonwealth Care Alliance (CCA)
  • Phone: 866-610-2273

Right at Home Salem Marblehead works with many agencies in the Massachusetts Home Care program, the SCO’s and the Veterans Administration. You may be eligible for services through these agencies and use Right at Home Salem Marblehead. Contact us to learn more.