Only 6 hrs/week subsidized by county, the rest is at private pay rates of $22 to $25/ hr. Can barely manage this and more is not affordable unless we can get more assistance. Our income probably would be over the limit for Medicaid. He doesn't have Medicare Part B, just Part A and private health insurance with BC/BS.
I'm looking into VA benefits. I am not sure if he qualifies for a home health aide instead of companion care from a CNA, and would the health aide even be covered by the private health insurance? I am really stressed and in over my head with this. He has COPD, chronic back/hip pain, difficulty walking even with a walker, mild memory problems, partly incontinent (wears depends-type pants). Any suggestions?
I'm a geriatric social worker and I make videos to help family caregivers, I've made one about Creative ways to Pay for Long Term Senior care that might help you. Here is the link: http://bit.ly/2HW5f0S
I also recently went through the VA Aid and Attendance application process for my Dad and made a video about my experience that might be helpful for you. Here is that link: http://bit.ly/2YnwSZL
An aid, caregiver or CNA is not usually covered by private insurance, however, if he qualifies for VA A&A, you can use that money for anything, they pay you directly. Good luck to you and your husband, and let me know if you have any questions.