When it comes time to find care for an aging parent, it can be difficult to find an affordable option because health care, in general, can be extremely expensive. At Miami Valley Homecare, we want to help our neighbors find affordable home care in Dayton, Ohio. Read our guide below for some tips on how you can find affordable home care for your loved one.
Dip into a life insurance policy
While this tip is more along the lines of finding a way to pay for home care, it can still be effective. Understand that not all life insurance policies are created the same and it really depends on the type of policy they hold that will determine if they’re eligible for withdrawing money. That being said, if your parent has paid into a life insurance policy for 10 or more years, they can be eligible to pull money from that policy to use at their disposal. A policy that has been paid into for a significant amount of time can have a large sum of money. This can be used to contribute to a retirement fund, pay for a full-time nursing facility, or assist with home care costs.
As with most things, the best prices available aren’t always going to be the first ones you find. Similar to what you would do when making any important purchase, you can shop around various home care providers to learn more about the services they provide as well as how much they charge for them.
Additionally, you’ll want to keep in mind as you shop that even though a company provides all the services that you’re looking for, it might not be a good fit. You can also meet with the care providers, learn the specifics about their care and services so you can decide what exactly you’re going to be paying for.
Interview care providers
Get to know the company and the people who are going to be caring for your parent. You can speak directly with the care providers and the company they work for by holding interviews. Bring questions that go beyond services and get into the personal side of care. You’ll learn important information about them that will help you make your decision as there could be personality aspects beyond the care that appeal to you.
Get an informal caregiver
Not everyone who requires home care requires the same level of care. While some seniors have reached a stage in life where they need more advanced care along the lines of assistance getting around their home, getting dressed, and even toileting. However, some seniors simply need help with tasks around the house or someone to keep them company.
An informal caregiver is someone who is able to be there for your parent throughout the day when you can’t be. They’re able to help keep the house clean by washing dishes, doing some laundry, or walking out and grabbing the mail. This makes it easier for your loved one to be able to stay in their home and continue to live an independent lifestyle.
Contact us to learn more
If you'd like assistance finding affordable home care in Dayton, Ohio for your parent, please don’t hesitate to reach out to our team at Miami Valley Homecare. We’ll help you find the necessary services that you need for your parent. We want them to be able to stay at home where they’re comfortable as long as possible. Get in touch with us by calling 937-671-2273 or send a message using our contact form. We’ll be happy to answer any questions you might have about our available home care services.