You want the best care for your family, and you need affordable options. Home Instead Senior Care® of Phoenix, AZ offers trusted home care services at reasonable rates. We tailor a home care arrangement to fit both your family’s lifestyle and budget. There are no length of service committments or hidden charges.A professional CAREGiverSM can help for a few hours one day a month to as many as 24 hours each day, 7 days per week. Your personal plan of care is customized through a variety of services and technology to suit your needs. We're here for you every day, including holidays and weekends. You don't need to "listen carefully because our menu has changed." You don't need to listen to 10 options only to realize you were distracted at option 3 and now you have to go through them all again. At Home Instead Senior Care Cave Creek, you'll talk to a live person. Call us for a free, in-home care consultation to talk about how we can meet your family’s needs.
We specialize in serving families throughout the greater Phoenix, AZ area. We offer both hourly and fixed fee services to meet your care needs.
The rate of service will be determined during the free initial on-site assessment. Our service rates are on the low end of average in the Phoenix metropolitan area, even in outlying areas, and our enduring goal is to deliver the highest quality support.
Be wary of low rate care providers. Value is often confused with the lowest price, but the lowest price is usually not the highest quality. The best value, then, is providing the highest quality at the best price. You just knew when you bought that thing on Amazon the other day that the price seemed just a little too low to be true. You probably had a feeling it wouldn't last a week before it broke. Do you want to take that chance with the person coming in to your home to help you or your mom or dad in and out of the shower?
Home care is not extensively regulated in the state of Arizona. How can you be sure your care provider is ethical, honest, trustworthy and provides value? When considering a home care service provider there are some very important considerations to keep in mind.
1) Are the CAREGiversSM bonded, insured and employed by the organization?
CAREGiversSM are extensively background checked during a rigourous selection process, drug screened, bonded, insured, trained and employed by our agency. Part of the value we provide is the careful screening, selection, training, and management of the CAREGiversSM who are in your home. An agency with a rate too low may not have enough resources to train, supervise, and verify the skills and background or the caregivers they provide, and manage your plan of care.
2) What other protections are in place for the clients and caregivers?
We carry professional, liability, theft, and worker's compensation insurance. Without these protections, you, and possibly your home owner's insurance,
may be liable for medical bills and lost wages if a caregiver is injured at your home. And you still require care services. A low rate agency may not have enough insurance, and may not have any at all.
Our caregivers are compensated near the top of the national scale. A low rate agency may not compensate
CAREGiversSM appropriately. This may decrease the quality of care and increase the risk of accidents or theft.
3) Is the agency held accountable by any professional organizations?
We are members of the Arizona In Home Care Association (AZNHA), the Home Care Association of America (HCAOA), the Safe Home Care Coaltion (SHCC), the Arizona Health Care Cost Containment System (AHCCCS), and the Better Business Bureau (BBB).
The answers to the above questions are always provided in our annual disclosure statement. This statement should be provided by any home care provided as described in Arizona Revised Statue Title 36, Chapter 1, Article 2, Section 36-144.
Keep in mind you, if you pay more than $2,100 per year to a private caregiver you may be required to withhold payroll taxes and pay state unemployment taxes: Hiring a caregiver yourself may subject you to the requirements of the Fair Labor Standards Act (FLSA) as an employer. The U.S. Department of Labor publishes guidelines here.
You can view IRS schedule H instructions here to report those wages: https://www.irs.gov/pub/irs-pdf/i1040sh.pdf
Professional in-home care allows your family members to age in place. They can continue to live safely and independently in the home they’ve known for much of their lives. In-home caregiving offers peace of mind knowing they have the support they need when you aren't there.
Unlike the high, fixed costs associated with assisted living facilities or nursing homes, the price of in-home care stays flexible to meet your needs. Keep control of your budget by scheduling as few or as many hours of care as you need. The following chart shows average costs in the United States.
Look over this chart for a good cost comparison of the many types of senior care.
The advantage of home care is you have a caregiver dedicated to you. Assisted living communities and group homes come at a discount, but unfortunately, often, so does their service. A caregiver in a group setting may be responsible for 8 other people, which means you may have to wait your turn. A dedicated caregiver means individual attention and companionship, which can be the difference between surviving and thriving. See this article in our blog for more information: Returning Home.
Our rates are based on your needs. Some agencies put any caregiver with any client. We believe clients need caregivers with skillsets that are suited to the client's needs. We also believe caregivers with higher levels of experience and training should be compensated more for their abilities.
Many agencies don't disclose pricing. We believe open and honest communication is the best way to start our relationship.
Our rates range from $20-$30 per hour depending on the number of hours and level of care required. That range is below the national average, and more importantly our valley, as well. Rates that are too far above that range may leave you wondering what you're paying for and rates too far below may leave you wondering what you're getting. Your rate will be finalized at your free, in-home or on-site consulation and assessment.
Does insurance cover home care services for seniors? The answer is: maybe.
Most health insurance companies don't cover the cost of in home care. If
medical care is necessary in the home due to mobility concerns (difficulty in getting to a doctor), many health insurance plans will pay for those services. These may include wound care, medication management, chronic disease management, palliative care, and hospice service. This typically does not include assistance with Activities of Daily Living or "ADLs." These are things like meal preparation, transportation, assistance with dressing, toileting, bathing or other activities that we need on a daily basis. It is important to speak with your health insurance representative to see what coverage is available to you.
Some long-term care insurance policies cover certain in-home care services. Long Term Care insurance is often a component of a life insurance policy. Check your policy or with your agent to see if your insurance covers the services you need at home. We work with many long-term care (LTC) insurance companies to bring you the covered services you need.
The Veterans Administration also offers financial programs that pay cash to veterans and/or their spouses. These funds may be used to help pay for home care for veterans.
It’s often a confusing and burdensome process to figure out if your insurance or the Veterans Administration will cover the home care services you need. We’re here to help. We can direct you to the right resources to find out if you qualify for any VA programs.
Medicare: There is a lot of confusion surrounding Medicare. This is the Federal (U.S. Government) health insurance coverage available to adults age 65 years and older. Medicare does not currently cover any home care services, even for help with toileting, transferring from bed to chair, or assistance with dressing. Certain (very few) Medicare Advantage insurance plans are offering some coverage for home care in 2019. These are supplemental plans and require monthly premiums from you, the policy holder.
Many Americans expect Medicare to pay for a "retirement home" but the unfortunate fact is Medicare doesn't pay for retirement homes.
Medicare may cover certain in home medical care and in patient services in a skilled nursing facility.
Medicaid and ALTCS (Arizona Long Term Care System): Medicaid and ALTCS do cover residence in an assisted living facility (a retirement home that has staff available to help with bathing, dressing, and toileting). The coverage is limited though and won't cover many facilities. Medicaid covers in home care, but usually limited to a certain number of hours per week depending on the level of assistance required. Medicaid approval is also subject to strict income and assett limitations that disqualify many seniors from coverage.
New ways to pay for senior care are being explored every day. We are happy to provide a personal plan of care working with family availability, technology, and hands on care to find the right plan for you and your budget.
If you have questions about how to pay for senior care, give us a call: (602) 362-3317. We will be happy to discuss your options.
Home Instead Senior Care® offers many different types of in-home care to meet the needs of your family members.
Reap rewards beyond measure -- and get paid, too.
When you need in-home care, look to Home Instead Senior Care®
"I have been very pleased with their service. I am very pleased with my caregiver. She is very pleasant, caring, an excellent driver and very prompt.