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Based on the health care documents of the U.S. Census Bureau, 7.6 million people in the country are receiving in-home care and a big percentage comprises of Virginians. Virginia long term care costs are getting higher by the year so most of its residents have begun to think of better options outside nursing home care. Home care usually pertains to custodial care, which is also referred to as personal care, and this includes assistance with the activities of daily living (ADL) such as eating, bathing, use of toilet, dressing, continence, and transferring or moving from one part of the house to another. You call the person that provides custodial care at home a home health aide. Aside from providing assistance with the ordinary ADLs, a home health aide may also accompany the person receiving in-home care to his appointments with the doctor and in shopping for his personal effects. Aside from home health aides, home health care agencies also offer homemaker service, which is another form of long term care (LTC), concentrated on house chores. So if the person receiving in-home care cannot cook his own meals, maintain and clean his house, and wash his clothes among others, the home health care agency will provide another person to perform these tasks. At present, the average hourly rate of a home health aide in Virginia is $22 or $42,328 annually. Meanwhile, to receive homemaker services an in-home care patient will have to pay additional $20 hourly or $39,033 annually. Virginia Long Term Care Costs: Deal with it or Reduce it Insured residents of Virginia who refuse to receive care in an institutional LTC facility such as a nursing home have the option to receive the typical in-home care, or they can have their home modified to make it suitable for that amazing aging in place experience. Home modification usually consists of installing handicap ramps, a wheelchair lift, shower grips, communication equipment, and many others to ensure the comfort of the person who is receiving in-home care. Most people who have acquired the aging in place concept are not limited to custodial care. They receive medically necessary care, too, but unlike those in nursing homes they have the freedom to move about in their homes and a nurse just monitors them remotely. Creating a home that is inspired by the aging in place module is expensive. Unless you earn a million annually, you won’t be able to afford this type of service. It is only through a comprehensive long term care insurance (LTCI) policy that you will be able to afford home builders that specialize in aging-in-place abodes. Comprehensive LTCI policies provide coverage for an array of LTC settings so these are better than a policy which offers in-home care or facility-care only. Besides, hardly will you find an insurance company these days that sells in-home care or facility-only policy as this hardly protects people from spending a chunk of money on their long term care expenses. Virginia long term care costs are rising very fast, but careful planning will get you an instant passport to the type of care which you intend to avail. Get long term care quotes today.
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