Massachusetts Home Care: Common Terms, How to pay for Home Care, Licensing and Questions to ask
The summers in Massachusetts are arguably the most beautiful seasons of anywhere in the world. The seafood is world famous, bringing people from all over the country. From the winter-time activities to the exciting and thriving sports scene, Massachusetts has fun for everyone. About 18% of the population of Massachusetts is 65 years and older. There are excellent facilities for healthcare in Massachusetts, and the cost of healthcare tends to be lower than the national average. We all know that as we age some people may require care at some point. Typically, when people think of senior care they envision a nursing home. However, nursing homes are definitely not the only option for caring for a loved one who might require some care. Massachusetts Home Care (or In home Care) is designed specifically for aging adults who only require some basic assistance at home without medical help.
Massachusetts is well-known for cities which offer the highest quality healthcare: Boston, Cambridge, Salem, Worcester, Brookline, Lynn, Fall River and many more.
- Massachusetts Home Care: Common Terms, How to pay for Home Care, Licensing and Questions to ask
- Home Care may also called In Home Care in Massachusetts
- How do you know it may be time for Home Care?
- What Assistance do In-Home Care Aides Provide?
- What are the different Home care options?
- Laws and Regulations
- How much does home care cost in Massachusetts?
Home Care may also called In Home Care in Massachusetts
Home Care (or In home Care) is suited for seniors who may only require some basic non-medical assistance at home. Home aides may support with activities of daily living (ADLs), which include medication reminders, assistance with bathing and eating, among other helpful tasks. Home Care may be an excellent care option for family members if they must leave town or just need a break from caring for their loved one. The Home Care aides bring a sense of personalization, providing companionship and socialization, and a sense of connection.
Home care and aging in place
In home care services include assistance with activities of daily living (ADLs). These in-home aides may assist with personal care and monitoring like they would receive in a long-term care community. All while they remain in the comfort of their own home.
How do you know it may be time for Home Care?
What are the signs to look for?
Have you noticed your loved one is spending less and less time managing their hygiene or personal appearance. They may stop brushing their teeth or let their facial hair grow in an unkempt fashion when they didn’t before. Are they going longer periods of time in the same clothing, or neglecting relatively scheduled eating habits? Grooming and hygiene live under the umbrella of ADLs, and as such a Personal Care Assistant may help with these tasks.
Is your loved one forgetting things more frequently? Typically, people forget things sometimes, but if you notice they are forgetting simple tasks they normally perform regularly, this may be a a sign that assistance is necessary.
It is not uncommon for elderly adults to experience trouble walking, getting up from a seated position or need help getting in and out of bed. Signs like this can be dangerous. The risk of a fall increases as mobility declines. The aide of a home care caregiver may assist with moving around the house safely.
Did you notice your loved one’s home is in disarray? Have they usually shown signs of tidiness or regular cleanliness, and now the home is disheveled and dirty. In Home Aides may assist in normal household maintenance like dusting and sweeping, cleaning the kitchen or doing laundry.
What Assistance do In-Home Care Aides Provide?
Home Care Aides provide a variety of services and assistance. Depending on the individuals condition, elderly adults may require different types of care.
Caregivers in Missouri may not administer medications themselves. In addition, these caregivers may not make any decisions regarding medications for patients.
Services included in home care:
Often times, people think of nursing homes or retirement homes as the only places for senior care. As we’ve discussed earlier, there are multiple care options. And even within home care, there are levels of care suited for an individuals needs. The specific services offered in home care will vary state by state.
What are the different Home care options?
Personal Care Assistant
- Companionship as well as assistance with activities of daily living, (non-medical personal care) toileting, dressing, grooming, and bathing.
- They can help with grocery shopping and meal preparation.
- A personal care assistant can help with family difficulties. If a family caregiver must leave town or be away from the home overnight the caretaker can stay with the individual and monitor and assist as needed.
- If a spouse is too heavy, a personal assistant can be a great asset in helping the individual move without risk of injury.
- These care assistants cannot perform any medical care.
- These companions spend time with older adults. Providing companionship is especially relevant for people who live alone, or do not leave the house due to cognitive impairments or frailty.
- These companions are there to look after the person, keep a watchful eye, act as an extension of the person to help with mobility and general physic functions.
- They may drive the person to appointments, prepare light meals and snacks. They may even play games or read and listen to music together.
- Companion care is a great way to bring social interaction and assistance to a person who may otherwise spend long periods of time alone.
Laws and Regulations
The Division of Health Care Facility Licensure and Certification is in charge of licensing and regulating home care agencies in the state of Massachusetts.
State laws require agencies to provide the patient and responsible family members all service information (services rendered, qualifications of direct staff, the hours of services, expected costs.)
There are no laws or regulations in place to require agencies screen potential employees. Agencies may do this if they deem to do so.
There are no requirements for training or ongoing education in Massachusetts.
Any suspected abuse must be reported to the State Department of Health.
The individual under care has the right to file a complaint with the agency:
- Regarding their treatment and care provided.
- The failure of the agency to provide certain care.
- The lack of respect for property and/or person.
- Individuals have the right to participate in and be informed about, and consent to or refuse care in advance of and during treatment.
How much does home care cost in Massachusetts?
Home care in Massachusetts is much more expensive than the national average at an average of $5,925 per month. The national average is $5,000 per month. The northeast region of the country tends to be more expensive for senior care than other parts of the United States.
- National average cost of home care per month: $5,000
- Massachusetts: $5,925
- New Hampshire: $6,010
- Rhode Island: $5,725
- Vermont: $5,725
- New York: $5,250
- Connecticut: $5,250
The costs of home care vary within the state of Massachusetts.
- Boston: $6,300
- Worcester: $5,750
- Pittsfield: $5,625
- Springfield: $5,350
How to pay for home care
Medicare does NOT cover standard home care including:
- Companion services
- Grocery shopping
- Meal preparation
- Light housekeeping
Medicare does NOT cover personal care assistance including ADLS:
Medicaid does cover home health for seniors who are eligible.
Each state has its own Medicaid programs in place. As a result, eligibility and services fluctuate state to state.
- Home care services may be covered by regular state ran Medicaid and may also be offered under the Home and Community Based Services Medicaid Waivers.
In-home personal care services (dressing, bathing, eating, etc.) are not federally mandated, some states may offer them via Regular Medicaid.
Long-term care insurance:
An individual’s private insurance may help with some of the cost of home care. This usually pertains to long-term care insurance.
- The purpose of long-term care insurance is to cover senior care, which includes home care. Though, be aware that coverage varies depending on the insurance provider, the specific policy, and other factors.
- It is common that long-term care insurance will only start to cover care when the person with the policy requires assistance with two or more ADLs.
- As a result of the above, individuals who only need companion care may not be covered by their long-term care insurance.
- Typically, purchasing long-term care insurance is not an option if you are at the point where you already need care.
Veteran aid and assistance:
This benefit is available to some military veterans or surviving spouses.
- A veteran may qualify for as much as $2,050 each month.
- A veteran with a sick spouse may be eligible for $1,600 per month.
- If a veteran has passed, their surviving spouse can qualify for $1,300 per month.
- Many families pay for care with private funds.
- Private pay can be a combination of retirement funds, personal savings, and pension payments.
- Family members may contribute funds toward a loved one’s care.
Questions and inquiries about home care
- Is the agency RN operated?
- Is the agency a franchise or locally owned and operated?
- Is the agency licensed by WA State Department of Health?
- Is the agency licensed for both home care and home health?
- Does the agency have liability insurance?
- Can the agency respond to you 24/7?
- Are employees licensed, bonded & insured? Or are they independent contractors?
- Does the agency test skills, conduct behavioral interviews and verify caregiver credentials?
- Are caregivers required to have current certifications for First Aid, CPR, and TB?
- Are caregivers provided continuing education/training?
- Can authorized individuals monitor care and make requests online in real time?
- Does the agency offer caregiver replacement when the “fit” may not be right?
Documentation and Supervision
- Does an RN/MSW/Care Manager conduct a free home care assessment?
- Does an RN/MSW/Care Manager create a home care plan?
- Does an RN/MSW/Care Manager supervise the caregivers?
- Do caregivers receive client orientation before arriving at a client’s home?
Policies and Cost
- Can services be cancelled with a 4-hour notification?
- Does the agency offer flexible scheduling, custom care plans, and a continuum of care?
- Does the agency have weekly or monthly minimums?
- What is the hourly minimum per shift?
- Does the agency offer home care discounts?
- What is the required deposit?
- Will the agency accept long-term care insurance?
Resources and Links for Home Health, Home Care and Hospice
Eldercare Locator is a nationwide service that connects older Americans and their caregivers with trustworthy local support resources. Connect with services such as meals, home care or transportation, or a caregiver education or respite from caregiving responsibilities. The Eldercare Locator is a public service of the Administration on Aging (AoA), an agency of the U.S. Administration for Community Living.
Medicare provides a search feature to find & compare providers near you, most senior housing and care providers are included on CareAvailability.com. Find & compare plans in your area. Determine if you qualify for premium savings.
Medicaid offers information on how to apply for Medicaid, eligibility criteria, links to local state offices, and additional resources.
The Alzheimer’s Association is the leading voluntary health organization in Alzheimer’s care, support and research. Whether you are living with Alzheimer’s or caring for someone with the disease, information and resources are available.
Hospice Foundation of America is to provide leadership in the development and application of hospice and its philosophy of care with the goal of enhancing the U.S. health care system and the role of hospice within it.
National Association for Home Care & Hospice is a trade association that represents the nation’s 33,000 home care and hospice organizations and the caregivers who provide in-home health and hospice services.
Home Care Services are available in the community to assist with personal care and other activities such as housekeeping, grocery shopping and meal preparation.
Massachusetts Department of Public Health keeps people healthy and communities strong. We promote the health and well-being of all residents by ensuring access to high-quality public health and healthcare services, focusing on prevention and wellness, and health equity for all.
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