Hiring a home care provider can now be an affordable option for more families, many of whom find it far preferable to taking their elderly loved ones to a senior home. All 50 states in the nation now offer Medicaid options for in-home senior care, through the Home & Community Based Services (HCBS) Waiver. This waiver allows seniors to remain in their homes, independent to varying degrees, as long as possible. Pennsylvania’s waiver plan even provides for modifications to be made to a senior’s residence, like grab bars or ramps, and respite care for the caregivers of seniors.
Since Medicaid is largely controlled by each individual state, the specifics will vary from state to state. However, in general, those who qualify for Medicaid can now receive waivers which can “pay” for home care provider services, greatly reducing or eliminating their out-of-pocket cost.
Let’s take a look at what this means for our fellow Pennsylvanians.
Pennsylvania’s requirements may change, so you should always contact a professional for up-to-date information before making any major decisions. Some counties have a long waiting list, and people in emergency situations are enrolled first.
Currently to qualify for the Medicaid waiver in PA:
Additionally, in some cases, financial planning professionals may be able to re-arrange an applicant’s assets -such as putting them into trusts- so that they qualify. In short, an elderly individual may qualify for these Medicaid home care provider waivers in various ways.
Nearly any expenses related to in-home care can potentially be covered by the Medicaid waiver. These include:
In Pennsylvania, the applications are handled on a county-by-county basis, so there is no single universal form. The PA Department of Human Resources has a webpage which can direct you to your local Area Agency on Aging to begin the process.
Yes! In fact, Neighborly Home Care has been working with Medicaid for many years. We make it a top priority to find ways to make in-home care affordable for as many people as possible.
For more information on your financial options, contact Neighborly Home Care with your questions.
Neighborly Home Care is a leading provider of in home care for seniors in Philadelphia, Montgomery, Bucks, Chester and Delaware County. Our caregivers are all certified nursing assistants, or they have received equivalent training and passed a nurse aid skills assessment test.