Costs

If you're considering a home care services agency:

• How does the agency handle expenses and billing? Ask for literature explaining all services and fees, as well as detailed explanations of all costs associated with home care.
• Will agency fees be covered by health insurance or Medicare? Check to see what kind of coverage your health insurance offers, and be sure to understand what criteria Medicare requires. For instance, do they require your loved one to be homebound?
• What resources does the agency provide for financial assistance, if needed? For instance, is a payment plan available?
• Get details about costs and payments in writing.

If you're considering a home health aide:

• How much does the aide charge for home health services? What services are included in those fees?
• What about payment for sick days, vacation days or holidays? Clarify how many sick and vacation days are allowed, as well as which days are considered holidays.
• Will you be responsible for social security and other payroll taxes?