Receive Topnotch In-Home Care in Alabama
It’s not only Alabama long term care costs that are getting higher every year, anywhere you go you will see the same thing. Alabamans, however, are not up on fighting this unseen force so they would rather focus their energy on something that is workable.
Most residents of Alabama prefer in-home care because aside from being more affordable, this kind of long term care (LTC) setting allows them to remain with their loved ones. Though entering a nursing home does not necessarily mean you have been totally separated from your family, it’s still different when you can actually see, talk and touch the people that you love on a daily basis.
In-home care focuses more on personal care which is also known as custodial care. This is a form of LTC which does not deal with chronic illnesses and rehabilitative treatments because that would be for nursing homes. Custodial care is usually provided to the disabled, sick but mentally stable individuals, and frail senior citizens who can no longer perform the basic activities of daily living (ADL) such as eating, bathing, dressing, proper use of toilet, continence, and transferring.
In Alabama, the cost of in-home care is the same as the national average which is $19 per hour. This rate, however, only covers the work of a home health aide which is limited to providing assistance with ADLs.
If the person receiving in-home care needs someone to prepare his meals, clean his house, do his laundry, and run errands for him, he has to acquire homemaker services. Home health care agencies supply this kind of LTC, too, which comes with a price that is slightly lower than that of a home health aide.
For homemaker services in Alabama one would need to fork out additional $18 per hour. Still, this is reasonable compared to $24 or $25 an hour which is the median hourly rate of homemaker services in other states.
Paying Alabama Long Term Care Costs Out-of-Pocket
You can definitely afford the cost of care in Alabama using your own financial resources but only for a short period of time. Perhaps in compliance with your long term care insurance (LTCI) policy’s elimination period, but if you are thinking of self-insuring all the way to the end, you will only last six months to a year.
Instead of paying out-of-pocket, simply ask the Social Security Administration, Department of Human Resources, and the Alabama Medicaid Agency how you can qualify for Medicaid since you’re going to end up here anyway.
Even though the cost of care in Alabama is significantly lower than what is offered by other states it does not follow that it is exempted from inflation. Bear in mind that inflation is the reason prices of real estate and basic commodities in the market are going up incessantly; which includes rates of LTC facilities.
According to financial analysts and seasoned LTC specialists, the cost of care will double in 2025 and increase fourfold subsequently sometime 2030. It would take a very good LTC plan for anyone to be able to deal with the projected Alabama long term care costs.
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