Nobody can tell you how to plan your future healthcare. Family members and friends can only express their concern by sharing pieces of long term care (LTC) related advice. In the end, you will still have the final say. In case you wind up wanting long term care insurance information, feel free to read on.
LTC is not like a commodity in the market although it may look like one as it is sold left and right by various insurance companies and brokers. LTC services are much higher in price than those pair of designer jeans that could cost around $150, or that ultimate grilled prime burger at Spago that is considered very pricey at $22. You’ll get to wear the jeans for a decade or two anyway, while you’re not going to have burgers every day for lunch, are you?
LTC services are said to be more expensive because once your condition qualifies for LTC, you have to receive care on a regular basis otherwise you’ll end up chasing a premature death.
Whether you would opt for the home care setting or LTC facility, you’ll be spending a huge chunk of your assets if you want to receive quality care. For a home health aide these days, you’ll need to shell out at least $19 per hour, as this is the national median hourly rate for this type of service.
People that require assistance with two or more activities of daily living usually hire a home health aide, but if they expect somebody to do the house chores then they pay an additional fee for homemaker services. At present the national median hourly rate for homemaker services is $18 and the scope of work covers meal preparation, house cleaning, and doing the laundry.
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