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Boca Home Care Services advises you to familiarize yourself with your long-term care insurance policy BEFORE you need to use it. Contact your agent or insurance company to review the terms of your coverage. If your policy includes an “Elimination Period,” discover what it is and plan accordingly. Some suggestions to consider: set funds aside to cover out-of-pocket expenses for care during the elimination period, create a plan with family, neighbors, and friends to determine who can help with specific tasks. If some people can handle shopping, provide cooked meals, and offer transportation to appointments, you may only need a home health aide for personal care, such as bathing, dressing, respite time, and laundry. By minimizing the hours required from an aide, you can manage costs more effectively. Research which food stores, restaurants, and pharmacies offer delivery services in your neighborhood.
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