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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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Guest Blog: What We Can All Do About Rising Healthcare Costs

Healthcare costs are skyrocketing at record rates. This is making it less affordable than ever for Americans to get the care they need. It’s particularly hard for the most vulnerable of our population, seniors and lower-income families. In 2017, U.S. healthcare costs equalled over $3.5 trillion. That’s a number we should all be worried about. Here’s what we can all do about rising healthcare costs.

Image via Pexels

Utilize Low-Cost Health Insurance
The first thing we can all do is look for low-cost health insurance options. For most, this means using a program like Medicare or Medicaid which is available to seniors or those who match certain income requirements.

Aside from federal programs, many families choose a high-deductible plan which costs less on a monthly basis but will still provide protection in emergency situations. This type of plan is known as an emergency plan, and it’s a good option for families who don’t expect to need regular treatment. Visit HealthMarkets´ list of low-cost health insurance companies for more information.

Take Advantage of Telemedicine
Another option is to stop seeing a traditional doctor for smaller problems. Today, you can reach a medical professional on your smartphone in just a few clicks. It’s faster, less expensive, and you don’t even need insurance in many cases.

Telemedicine can help with anything from therapy to the common cold. You can even get prescriptions through apps nowadays, and this saves both time and money.

Image via Pexels

Prepare for the Future
Finally, we should all be preparing for the future. Unfortunately, many seniors find themselves unable to afford the right healthcare. We should all be saving today to prepare our families for a future in which we need more funds to afford healthcare.

In the meantime, we should talk to our politicians about finding new solutions to the healthcare crisis. From electing officials who focus on healthcare solutions to calling your congress representatives, every little action matters.

What are you doing to fight the rising healthcare costs? If you’re not prepared, you could find yourself facing a bad financial situation. Take these steps above today to protect your health. It’s the most important thing you have.