Pay for Home Care and Home Health Care in Cincinnati, Ohio

pay for home careNone of us likes to think about needing help as we age. But we do hope we will have choices about where and how we will live when we do need help. For most of us, the first choice is to stay in our own home for as long as possible. According to the National Association for Home Care & Hospice, more than 7.6 million people receive care in their homes.

In-home care is possible for people with a wide range of disabilities and financial resources. But it raises lots of questions. How do I find a reputable home-care agency? What services are included? How much will it cost? Will Medicare pay for it? What are my options if I’m already in a nursing home?

In-home care includes a variety of health and social services. It helps those recovering from an illness or injury, as well as people who need long-term help because of disability or chronic illness. Services can include medical, nursing, or therapeutic treatments and/or help with the essential activities of daily living, such as cleaning house, preparing a meal, or getting to medical appointments.

Long-term care requires planning. A good place to turn for help is your Area Agency on In-home care is designed to prevent unnecessary nursing home placement or ensure a timely return home after a nursing home stay. Even long-time nurs- ing home residents may qualify for options that help them move out and receive care in home and community settings.

There are several payment options. Some people pay privately for their care – choosing and hiring a home care provider on their own. There are also public sources to help pay for home-care costs, such as through Council on Aging. Many older adults qualify for free in-home care. Health insurance plans, including Medicare, typically cover services for short-term needs but benefits for long-term services vary from plan to plan and may be limited. Long-term care insurance is an option to consider.

Area Agencies on Aging (AAA), are part of the national aging services network and are designated by their state to serve older adults in their region. AAAs are an unbi- ased source for information and resources that help older adults remain independent at home. You can find your AAA by visiting or calling 800-677-1116.

(COA) is the AAA for Butler, Clermont, Clinton, Hamilton and Warren counties. Since 1971, COA has been helping older adults connect to free and affordable in-home services. For caregivers and others concerned about aging friends and loved ones, COA offers free support, information, and connection to community resources.

Council on Aging administers two in-home care programs: PASSPORT and the Elderly Services Program. Annually, the programs help more than 20,000 older adults in our region receive free and affordable care in their homes.

A call to Council on Aging connects you to knowledgeable staff will help you decide if home care is right for you. Then, you’ll meet with an assessor who will determine how much help you need. If you qualify for a Council on Aging program, you’ll also be assigned a care manager – someone who will stay in touch with you, advocate for your needs, answer questions, and make sure you receive the right services.

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