Guest Blog: 4 Ways You Can Find Affordable Homecare

Home care is often preferred by seniors. An overwhelming 90% of seniors want to age in place. It is also affordable compared to nursing homes and assisted living facilities. However, hiring a caregiver may still be out of reach for many families.

1. Home Care Agency

A popular option for hiring a caregiver is through a home care agency. Hiring a caregiver through an agency allows seniors to have personalized one-on-one attention and flexible pricing (choosing less hours means saving on costs). You are also not responsible for any employer obligations like payroll tax and being held liable for any injuries that happen at home. However, this means that agencies pass administrative costs to the family which may still be unaffordable.

2. Family Caregivers

Did you know that there are an estimated 40 million unpaid family caregivers in the United States? Family caregivers perform a wide range of duties like paying bills, running errands, and helping with light household chores. Many family caregivers dedicate on average 20 hours a week towards providing care and some take time off work as well—resulting in a loss of earnable income. While being a family caregiver can save you money, your loved one may have needs that go beyond what you can support.

3. Local Classifieds

You can hire a caregiver directly through your local classifieds or online directory. Hiring a caregiver directly, and not through an agency can provide more affordable home care for your loved one, but there are some extra hurdles. You will need to personally interview and screen potential candidates. This involves meeting with the caregiver, verifying their references, and performing a background check. If your loved one needs care immediately, this process may be difficult and time consuming to do properly.

4. eCaregivers

After learning about using eCaregivers, you can find private caregivers with rates starting at $10-$14/hour for care, versus $20-$24 with an agency, helping you save thousands of dollars in a year while still ensuring quality home care for your loved one. All of the caregivers on eCaregivers have passed a background check so you have a peace of mind that you’re hiring a vetted caregiver for your loved one.

 

About the Author

Peter Kang is a writer for eCaregivers. He is inspired by his caregiver experience with his late grandfather and role model, a Korean War veteran, to help families find affordable care for their loved ones. Follow Peter on Facebook and Twitter.

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By |2021-04-25T17:13:46-05:00April 29th, 2021|Dr. Mauk's Boomer Blog, News Posts|Comments Off on Guest Blog: 4 Ways You Can Find Affordable Homecare

Guest Blog: How to Get Care with These Common Chronic Illnesses

Understanding health insurance in America can sometimes feel like it requires its own specialized degree, even if you are at an advanced age and have navigated the red tape for years. As we age, and more health conditions become apparent, and navigating treatment options and cost can become increasingly tedious. About 40 million Americans are limited in their daily lives due to effects from one or multiple chronic illnesses.

The questions can become daunting: Can I get coverage if I have chronic conditions? Does my coverage include treatment and/or therapy? Is my coverage capped or limited at any point? What if I have multiple afflictions? Luckily there are resources out there to help you navigate these obstacles, you just need to know how to find them. We’ve compiled some tips and resources to help you get treatment and care with common chronic illness.

Heart Disease
Chronic heart disease which is an umbrella term that includes coronary heart disease, atherosclerosis, cardiomyopathy, and others is the leading cause of death for men, women, and most racial groups in the United States (about 655,000 deaths a year). The average age for a first heart attack in the US is 65, which is why it is commonly labeled a disease of senior citizens. However, with the right treatment options, many people survive heart disease for years.

Luckily, Medicare offers both medical and hospital coverage for heart disease patients which includes one free heart screen every five years, along with cardiovascular behavioral therapy visits annually with a primary care physician for preventative care. These screenings cover blood tests for cholesterol, lipids, and triglycerides along with dialogues that cover risk factors.

Chronic Kidney Disease
The CDC estimates that 15% of US adults have chronic kidney disease, which translates to around 37 million people. Depending on when it is caught, and how diligent you are with treatment options, the impact of CKD can range from minor diet restrictions to organ transplant. Most patients do not experience kidney function loss until stage three of the disease or later. These patients should still regularly meet with their primary care physician, address underlying conditions that could be contributing to the problem such as a fatty diet, lack of exercise, or smoking, but they typically do not need treatment options.

However, those who suffer from End Stage Renal Disease (stage five) have lost sufficient function in both kidneys and must regularly receive dialysis treatment until they can receive a transplant. Medicare covers inpatient, outpatient, and home dialysis treatment options under their part B and part C coverage plans. This includes supplies, nursing services, lab testing and in some cases transportation to and from treatment centers.

Degenerative Brain Disease(s)
While CKD is a very specific diagnosis that highlights kidney efficiency, neurodegenerative brain disease is more of a general term that is meant to include other specific diagnoses such as Alzheimer’s, Huntington’s, Parkinson’s, ALS, dementia and Spinal Muscular atrophy. Unfortunately most degenerative nerve diseases have no cure, and treatment coverage options vary based on diagnosis. For example, Medicare overs PET scans for those with FTD (fronto-temporal dementia) and Alzheimer’s, but only if patients meet eight additional conditions. In general, government assistance will cover hospital visits for any patient that has Part A coverage (thankfully), and most home care is also covered by Part B coverage.

However, like with previous examples, specific stipulations have to be met in order to receive the necessary coverage and treatment. Generally speaking, you should consult with your primary care physician and his staff to understand the right process for you.

Multiple Diagnoses
If the red tape with Medicare and a chronic illness is hard to comprehend, understanding how they prioritize and rank coverage based on multiple illnesses is akin to learning a new language. The CDC estimates that roughly 40% of adults in the US have two or more chronic diseases, and for those on medicare that represents a drastically different approach to how they receive coverage.

For those with multiple chronic conditions, Medicare Advantage coverage combines all the differences in parts A, B, and D and lumps them into one single service umbrella of coverage.
In 2018 the Senate passed the CHRONIC Care Act which expanded Medicare Advantage coverage and paved the way for those who require an elevated number of services like adult day care, caregivers, meal delivery, and more. To learn more about Medicare Advantage, we recommend this comprehensive write up here.

Susan is a guest writer on behalf of InsuranceFAQ.net. Susan wants to spread awareness on understanding health care and insurance coverage.

By |2021-02-22T15:35:15-05:00February 22nd, 2021|Dr. Mauk's Boomer Blog, News Posts|Comments Off on Guest Blog: How to Get Care with These Common Chronic Illnesses

Guest Blog: Hiring an In-Home Caregiver: What You Need to Know

 

When looking for an in-home caregiver for your loved one, it’s a given you would prefer someone they can get along with really well and will do a great job of taking care of them. However, finding this home care option for your senior loved one can be challenging at times.

Fortunately, there is no shortage of tips you can follow to ensure you find the perfect person for the job. The following tips should get your search off to a fantastic start:

Create a clear job description

To come up with a clear job description, identify what your elderly loved one’s needs are. A clear and specific job description can help you determine the flexibility needed, the number of hours they’ll be looking after your loved one, and how much you are likely to pay.

Be flexible when hiring independently

If you want to find great candidates, you need to be flexible about the pay. It is also recommended that you offer the going rate in your area. Otherwise, you might not find applicants with the care skills you are looking for.

Conduct multiple interviews and a trial period

To get more insights about a candidate, consider conducting three interviews:

  • A short screening interview over the phone to ensure they meet the necessary requirements.
  • An in-person interview if they pass the phone screening.
  • An in-person interview where the top 2 candidates can also meet your elderly loved one.

Ask all the important questions during the interview

Asking all the right questions can help you find someone responsible, compassionate, and trustworthy. It would also be a good idea to ask what they’ll do in a specific situation. For instance, what they would do if your elderly loved one refuses medications or does not cooperate.

Check their references

Even if you find a candidate very impressive, it is ideal that you still do a background check. You can do this by calling the work references they have provided. You can ask if they do a good job and if they’ll hire the candidate again.

Conclusion

While finding the best in-home caregiver can be challenging, it can be done. As long as you prepare accordingly and cover all the essential bases, you’ll find the right person for the job with ease.

 

 

By |2021-01-25T12:35:20-05:00January 25th, 2021|Dr. Mauk's Boomer Blog, News Posts|Comments Off on Guest Blog: Hiring an In-Home Caregiver: What You Need to Know

Guest Blog Self-Care Tips For Caregivers

Self-care is defined as caring for ourselves physically, psychologically, spiritually, and socially. Because when we are focused on those things outside of ourselves it is so easy to overlook our own needs, self-care is a concept that applies to everyone.

For example, imagine that your boss lays a new project in your lap with an impending – and almost impossible – deadline. You put everything aside because the project requires all of your energy. So, you don’t do those stretches that keep your low back pain at bay. You don’t return non-professional emails, texts, or messages. You reschedule every appointment that doesn’t apply to this project.

In the end, the project does get done, but you find yourself completely exhausted, and in serious need of a break. The truth is, any of us can find ourselves in this situation at any time, but especially when we undertake the care of a dependent other.

People who rely on us for their daily living cannot be put on the back burner. Maybe they need help getting dressed, making meals, taking a bath, or just getting out of bed. (In some cases, the care may mean just being turned in bed to avoid developing bedsores.)

For caregivers, the work never ends. Every single day they are a requirement to another person and it is simply not possible to call in sick when someone else depends on you more than you need a day off.

The result is that caregivers are often the worst at self-care. When this happens, they can end up feeling exhausted, irritable, resentful, and hopeless. And the quality of care they can provide suffers. For caregivers, quality care starts and ends with consistent self-care.

Remember The Why

Tony Robbins is famous for always asking for the WHY. The reason for this is because when we have a why, we can find a how. This becomes monumentally more important when what we are doing is hard, long-lasting, and with little gain.

It is these times when it makes the most sense to give up because the energy we put out can seem out of proportion to what we get back. But this is also when it is so important to stop and ask ourselves why we got into this work in the first place. What was it about caring for others who depend on us that attracted us? Why did we choose this profession over others? And why do we keep at it despite the long, exhausting hours?

Answering questions like this will bring us back to the fundamental reasons for our decision to go into caregiving. It will also bring us back to a fundamental human need – which is to have a purpose.

To be content with our lives, we must feel that what we do has meaning. We must feel like we matter in one way or another, and that what we do makes a difference. Whatever our why is, it carries us forward when times get challenging. It reinforces us, stabilizes us, gives us solid ground on which to stand.

Find Something To Be Grateful For

Gratitude is such a powerful emotion that even just keeping a daily gratitude list has been shown to have a dramatic effect on many measures of our lives – from happiness and wellbeing to creativity and productivity.

While gratitude can be described as a “top end” emotion that is most effective when everything else in our life is going well, in many cases, it is just the opposite. It is through being grateful that we find a way to get through things that confound us, challenge us, overwhelm us, and make us want to quit.

For caregivers, gratitude is especially effective because not only is caring for another person inherently hard, when they are dependent, it is without end. It is at these times that our psychological systems most need bolstering, and on a daily basis.

What gratitude effectively does is bring us out of the dreariness of our daily lives and into a new perspective where things look different. And when we begin to see differently, those things we see begin to change. The sunrise looks brighter, the trees greener, the flowers brighter, and the people more kind.

Make Humor A Part Of Your Daily Life

Humor is a wonderful resource that has been associated with feelings of wellbeing, happiness, vitality, creativity, and even cognitive functioning. Humor is something that has also been demonstrated in a variety of species and seems to play a central role in bonding. But perhaps most importantly, humor acts like a tonic for the brain.

Humor allows us to temporarily escape our reality, to transform our situation is a way that brings us levity and lightness. When we can stop to laugh, we can, for the moment, suspend any negative emotions we might otherwise be feeling. We can, momentarily, make our situation and ourselves feel different.

For caregivers, humor is an essential resource because it acts like a reset button. Performed regularly, humor doesn’t just make every day better, it makes the tough ones survivable.

Caring for another person may be one of the most challenging jobs we can choose. But it is also one that is essential. By remembering why we choose to become caregivers, finding things to be grateful for and incorporating humor into our daily lives, we can keep ourselves at our best for ourselves and those who depend on us every day.

By |2021-01-05T13:17:06-05:00January 5th, 2021|Dr. Mauk's Boomer Blog, News Posts|Comments Off on Guest Blog Self-Care Tips For Caregivers