Bad Axe Medicaid attorneys assist you in getting the costs of care covered when you need long term care. Medicare typically provides no coverage for most long term care services, including services provided both in a nursing home as well as services provided by a home health aide in a private home. Medicare covers only skilled care, and most people who need long term care simply need custodial care – or help with routine activities of daily living such as getting dressed, using the bathroom, and preparing and consuming food.
Understanding options for getting costs of long term care covered can be vital because the costs of care are very high.
Costs of Different Long-Term Care Options
The Genworth 2015 Cost of Care Survey for Michigan reveals the costs associated with different kinds of long term care that could be available to Michigan residents. Costs vary depending upon the level of care necessary. For example:
- The minimum cost for homemaker services are around $10 hourly in Michigan, while the maximum hourly rate for homemaker services in Michigan is around $26. The median rate is $20 per hour to hire a home maker.
- For a home health aide, the prices are similar. The minimum hourly cost in Michigan is $10 and the maximum is $28. The rate median in Michigan for home health aide services is $21 per hour.
- Adult daycare costs a minimum of $35 daily, a maximum of $175 daily, and a median of $80 daily in the state of Michigan.
- A one bedroom single occupancy room in an assisted living facility in Michigan would cost around $3,250 monthly for the median rate. The minimum rate is $800 and the maximum is $8,465.
- The daily rate for a semi-private room in a nursing home is a median of $249, a low of $187 and a maximum of $363.
- For a private room in a nursing home, the median daily rate is $272 in Michigan, while the minimum is $197 and the maximum is $464.
Obviously, these care costs are very far out of the reach of most families. You do not want to find yourself in a position where you need care that is unaffordable, or put yourself in a position where you must spend your entire life savings just for a few months of care. It is important to understand when this can happen and what you can do to keep your wealth safe.
How Can You Cover Costs of Long-Term Care Options
If Medicare does not cover the care you need because you don’t require care provided by people with medical training – which is called skilled nursing care – then you likely won’t be covered by most private insurers either. Both Medicare and most private policies have very strict guidelines for when any kind of nursing home care or home healthcare is covered, and situations are limited to circumstances such as when someone has been released from the hospital and needs surgical bandages changed.
You could purchase a long term care policy to try to cover the costs of the routine long term care that you are most likely to need if you get sick or if you begin to experience age-related infirmity. Unfortunately, such policies often provide narrow and inadequate coverage and such policies can also be prohibitively expensive and are thus not a viable option for a substantial number of older people.
Medicaid will cover long term care both in a private home and in a nursing home, under appropriate circumstances when you qualify for care and when you do not own so many assets that you are disqualified from means-tested benefits. You can work with Bad Axe Medicaid attorneys to make a plan to get Medicaid to cover you while still protecting your wealth and not having to impoverish yourself first to qualify for the needs-based Medicaid program.
Getting Help from Bad Axe Medicaid Attorneys
Bad Axe Medicaid attorneys at Biddinger, Bitzer & Estelle are here to provide assistance to clients in Michigan’s shoreline communities with getting their long term care expenditures paid. To find out more about the ways in which our legal team can assist with obtaining coverage for costly long term care so you can protect your assets, give us a call at (989) 872-5601 or contact us online today.