Ask Becci: Does Insurance Cover Elder Care?
One question that comes up during initial discussions with potential personal care clients is regarding whether or not Family Staffing Solutions, Inc. services are covered by a health insurance policy or by Medicare.
While our services are not covered by either of those sources, there are a number of insurance products that do cover personal assistance care, if provided by a licensed company. Beyond the more obvious long term care policies which cover “non medical” assistance care for clients requiring support with activities of daily living, you may find the following information helpful.
Keep in mind that long term care and specific insurance products involve a wide variety of services for people with prolonged physical illness, disability or cognitive disorders. Options for utility of this insurance product is growing all the time. Long term care is more than just nursing home care and does apply to clients who are in their own home. Your policy should be thoroughly examined for coverage opportunities and limits.
Other insurance products you can explore may be included in your automobile insurance. As a result of an accident, you may have coverage for personal care assistance while rehabilitating. Personal care services are also covered under some worker’s compensation settlements, and there are products available through specific governmental agencies for clients with disabilities while they are in institutions of higher education or Vocational Rehab.
If you have questions about elder care coverage solutions, please feel free to contact Family Staffing Solutions at 1-866-383-5670. We would be happy to discuss some of the resources we have found that aid our clients in funding their personal care solutions.