Answers to your Financial Options
Does Medicare and Medicaid help pay for this?
In most instances, Medicare does not cover long term support services for help with activities of daily living (ADL’s) like bathing, walking, dressing and meal preparation. If Medicare-covered services are required in the home, they will usually be delivered by a nurse, physical therapist, or similarly licensed medical practitioner.
Do you bill Long Term Care Insurance?
Yes, we do this for many of our clients. We will coordinate the application process, then bill the insurance company directly. This can save the family an enormous amount of paperwork. Long term care insurance plans vary widely in the amount they will reimburse for services and not every policy covers all the expenses. We can help you determine which expenses your policy will cover if this is unclear to you.
Your family will be responsible for any charges the insurance policy does not cover.
Will my health insurance cover home care?
365 Care is a non-medical home care provider assisting those who require help with their activities of daily living or companion care which is not usually covered by health insurance plans. Private health insurance typically covers clinical medical services. If you need medications, infusion therapy, care for post-surgical wounds, and related services in your home, your health insurance may cover those. It is rare for private health insurance to cover long term care services such as help with activities of daily living like dressing, walking, or bathing. Health insurance will not cover non-personal care like meal preparation, laundry, grocery shopping, local errands, or transportation to a doctor’s appointment. Speak to your provider
directly if you have questions about your coverage.
Can I pay online?
Yes. We have a convenient online bill payment option. Each invoice is sent with a link to our billing system where you can pay within 5 days of the end of the billing cycle, which is done weekly. You may also choose recurring or one-time payments. The transaction is encrypted and we never have access to your financial account information. The easiest and most convenient method of payment to ensure there is no lapse in care is to auto debit a credit card or checking account each weekly billing cycle.
How much does home care cost?
Non-medical home care is considerably less expensive than a nursing home or assisted living facility.
Rates for home care vary based upon the type of service needed and the length of each visit.
To determine the exact cost of services for your family, please call our office at (978) 740-5900.
Do I have to sign a contract and commit for a period of time?
365 Care does not have a contract that commits you to a specific period of time, however, we do have a daily minimum of 2 hours. We will create a service contract that specifies which services we offer, how much we charge, and related information. Cancellations of service the same day or the following day are billed as scheduled, but otherwise you may cancel future services at no charge.