You might consider home care in a few different situations.

Long term

If you’re unable to perform one or more activities of daily living (ADLs), home care can help you with them. ADLs include:

• Personal hygiene (bathing and grooming)
• Feeding
• Dressing
• Continence management (toileting)
• Transferring – the ability to change position and walk Independently
• Transportation and shopping
• Mental support and companionship
• Managing a household
• Preparing meals
• Managing medications
• Managing finances
• Communicating with others

If you currently live in an assisted living facility, you can layer on home care to provide focused, 1:1 care and companionship when it’s needed most.

Short term

If you’re returning home after a hospitalization, and need help while recovering and regaining strength and abilities, home care may be able to provide the assistance you need.

Long-term care insurance (LTCI)

LTCI can cover a portion or all of the costs of home care. If you have an LTCI policy, check it for details.

Self Funding

Many individuals and families without LTCI fund home care using money from their savings, investments, or income. Some find it helpful to put the equity of their home to work, by taking out a home equity line of credit or doing a reverse mortgage. If you have a life insurance policy, there are companies that offer Life Insurance Settlements.This gives you the option to sell your policy in exchange for a lump sum payment that’s greater than the cash surrender value. It’s important to fully understand the details and complexities of reverse mortgages and life settlements before entering into either of them.

Medicare Advantage

Traditional Medicare doesn’t cover home care. However, private Medicare Advantage (MA) plans may have additional coverage for individuals with disabilities and/or medical conditions that require them to need assistance performing personal care and housekeeping services.

Centers for Medicare & Medicaid Services (CMS) began allowing MA plans to add this benefit in 2018, but not all plans have added it to their policies. So it’s important to review your personal policy language regarding individual benefits and coverage.

Medicaid

Medicaid coverage varies by state, but generally provides some assistance for home care. Eligibility typically is based on two metrics. The first is the need for care, and the second is an income threshold. To find out exactly what services are available in your state, and the eligibility guidelines, contact your local Medicaid office.

Honor's diverse team of outstanding Care Pros reflects a wide range of cultural backgrounds, languages, ages, and life experiences.

Many of our Care Pros have been providing care for many years and have valuable experience. Some may also be Certified Nursing Assistants, Home Health Aides or possibly Licensed Vocational Nurses. We provide non medical care, so all of the Care Professionals working with you will always stay within our scope of services and perform the care we are licensed to provide.

Honor conducts a thorough screening and background check of our Care Pros before sending them into a Client’s home. In addition to fingerprinting and background checks, we screen for DMV driving records, drug-testing, and strict minimum-age requirements.

Honor Care Pros have a solid foundation of training, including how to use mechanical lifting equipment, basic knowledge of how to support Clients living with Alzheimer’s or Parkinson’s disease, and how to assist with daily living activities such as bathing, grooming, and hygiene.

Honor has developed protocols, Care Pro training, and technology to help slow the transmission of COVID-19 and support the health of our Clients and Care Pros. We’ve added the following advanced infection control steps:

• Additional safeguards supporting Clients and Care Pros
• Pre-visit check and safety tools for Care Pros
• Expanded PPE requirements and training
• Staying informed and leading our industry