Paying For Home Nursing Care / Long-Term Care Insurance

What is Long-Term Care Insurance? 

Simply put, it’s an insurance product that helps pay for the costs of long-term care. This type of insurance covers additional medical care and support services that most health insurance, Medicare, or Medicaid won’t cover. 

Long-term insurance covers care in a nursing home, assisted living facility, or another facility, and in-home nursing care, such as home health aides and companion care. 

The benefits are many. And, if your primary care doctor recommends that home-based care is necessary, then you don’t have to pay out-of-pocket.

What is Medicare?

Medicare long-term care insurance is not a perfect solution, and you must meet certain requirements to qualify. 

Medicare is a national health insurance program run by the federal government. Medicare covers people aged sixty-five and older.

  • Some people under age 65 may also qualify due to a disability
  • Medicare helps millions of American seniors cover some of their healthcare costs. There are four distinct parts to Medicare.

Part A – Inpatient hospital care

Part B – Doctors’ visits

Part C – Also called Medicare Advantage plan is another choice that combines parts A & B. These Medicare plans may include dental, vision and hearing, however, you should research the options and be sure you understand the coverage and out-of-pocket costs.

Part D – Prescription drugs

Additionally, you should familiarize yourself with Medigap or Medicare supplemental plans. You can find information on these options through AARP or Humana.

Medicare supplemental plans help give people more health-care choices, so they can pick the health care plan that best meets their needs.


Medicaid benefits are intended for lower-income people and the program is structured as a federal-state partnership. This means the Federal Governments sets the core requirements on eligibility and benefits, and states are entitled to matching funds from the federal Medicaid program. Each state has some flexibility to administer the benefits within the federal guidelines. Entitlement to Medicaid programs may vary depending on the state where you live. You can learn more about Medicaid at 

It is important to know your options before enrolling in a long-term care plan. If you don’t have a lot of money, Medicaid may not be the best option. A professional such as Mazaltov Home Care Services can help you choose the best option.

Private long-term care insurance may provide additional financial assistance in times of crisis. Most plans pay out up to $150,000 for each person. By purchasing long-term care insurance, you can protect your assets and keep more money in your pocket. And if you don’t need a nursing home, Medicaid will pay the difference.

Long-term care services and supports

Millions of Americans require long-term care services and supports. Many suffer from disabilities, chronic illnesses, and other health issues that make daily tasks difficult or impossible. Medicaid covers certain services that can be costly to access without insurance. Fortunately, Medicaid also covers services that can be provided in a home or community-based setting. For Medicaid participants, the costs of personal care assistance can be as low as $1,200 per month.

Medicare covers skilled nursing care, rehabilitation, and regular home care for up to 21 days. Unlike traditional health insurance, however, Medicare does not cover assistance with daily living activities, such as getting dressed or eating. Some policies also pay for the cost of durable medical equipment that is necessary for a person to continue living independently. In some cases, Medicaid covers only a part of the costs, making long-term care insurance a better option for many people.

The term “long-term services and supports” refers to a broad range of health and personal care services. They can range from basic housekeeping to complex care, from transportation to help with paying bills. In the past, most Americans received LTSS in an institutional setting such as a nursing home or intermediate care facility. However, access to HCBS (home and community-based services) often have a long waiting list. Most of the time, elderly people in need of medical assistance and support service would prefer to remain in the comfort of their own homes. Mazaltov Nurse Registry can provide a wealth information and resources to help you decide on the best and most affordable insurance and care solutions.

The Right Shoe Can Make All the Difference

No one wants sore feet. Everyone needs sensible shoes. Especially people over 65. If you are caring for an elderly parent or other relative, finding him the right shoes is important.

Old feet get injured more easily

Humans are born with a quantum of fat at the bottom of our feet which keeps a spring in our steps up to about the age of sixty. As people age, however, this important fat cushion diminishes. This may be especially true for seniors who have lost weight due to dieting or because of lost appetite. Caregivers need to understand that is why people over 65 so often complain about hurt feet.

Foot health issues become more common in old age. Plantar Fasciitis, corns, and bunions can cause pain which leads to reduced mobility. Old feet are more prone to swelling, especially if the senior is diabetic or takes medications that cause water retention. Being obese or overweight can worsen these conditions.

What kinds of shoes do seniors need?

Unless a senior is actually running, he or she may not need a running shoe so much as a walking shoe. Caregivers should know that walking shoes are differently constructed. The flexibility is in the front of the shoe because walkers propel themselves, in large part, with the toes and forward pads of their feet.

Some considerations for choosing a walking shoe are:

Memory foam inner soles–This new shoe technology is a life saver because it compensates for the loss of fat on the sole of the foot. And, yes, it’s the same material they use to make super comfortable mattresses. So it’s like having mini-mattresses on the bottom of your feet. Heaven.

Laces or pull-ons–If your senior struggles to tie laces, pull on shoes might be the better choice. However, slip-ons tend to let go of the walker’s heel, so you may have to do some trial and error to find a pair that is neither too tight nor slipping off.

Shoe weight–In general, heavier shoes can stand up to more abuse. If your senior is going to be walking in the woods or on uneven surfaces like gravel, he may need a really solid platform. If he is going to be walking on very smooth sidewalks, a lightweight shoe is easier to walk in.

Choose the right trainers

Ideally, your senior is doing some kind of strength or resistance exercise which involves small hand weights or rubber bands or wearable weights. For this kind of exercise, many fitness experts recommend shoes called “trainers.”

Trainers are flatter and more solid from heel to toe than walking shoes. With two sets of the right shoes, your senior will transition from walking shoes to trainers when working out and from trainers to walking shoes when walking, especially outside the house.

In brief, helping your senior choose some really good shoes that suit her lifestyle is one of the kindest things caregivers can do. Home care professionals can help you with this by making shoe recommendations, shopping for shoes with your senior, and reminding your senior which shoes are suitable for which activities.

If you or an aging loved-one are considering Home Care Services in Delray Beach, FL, or the surrounding areas, please give us a call at (561) 465-5920


(561) 465-5920