Follow
Share

Insurance will pay for in-network agencies. My current aides are like family. Previous aides I had stole from me. Can I get cash assistance to retain my current ones?

Which loved one are you paying for? The funds should not come out of your own pocket for your loved one. If for yourself, get help, either way, Contact a professional, such as a social worker, asking for financial assistance.
Helpful Answer (2)
Reply to Patathome01
Report

cooper108: Prayers sent.
Helpful Answer (2)
Reply to Llamalover47
Report

Perhaps your aides would be willing to apply to an in-network agency you choose. Before they do, meet with more than one agency because some are easier to work with than others. Ask up front if you refer and they hire your caregivers, will they agree to send them primarily to you and also allow you to still use them for outside hours that you will pay them privately.

I am doing that right now with an agency. Since I found a good caregiver outside the agency and referred him, they allowed him to apply and be hired and the agency is paid by a special grant I received through our Area Council on Aging. Normally, agencies do not allow you to privately hire caregivers they provide but ask up front for special permission before you sign with the agency and before they hire your caregivers. If they say no, thank them for their consideration but you will try another agency. If it is corporately owned, they may not have that freedom but if it is local agency I feel sure they would not want to lose a potential client and a good caregiver!

If they have never heard of such an arrangement, point out it is a win-win situation for the agency and you. They would have a happy client who is getting a perfect caregiver and they would benefit from what the insurance company pays them. That caregiver may even be interested in working for their other clients when not with you.
Helpful Answer (8)
Reply to KPWCSC
Report
TrishaAlvis Feb 28, 2025
That's exactly how our agency works in Illinois. We will help your "preferred" home care aide apply for employment, train, and certify them through the state. Senior Services or Department on Aging is the best place to start. They can do an assessment of the senior and determine if she qualifies financially, her services are picked up by Medicare and Medicaid or Medicare Supplemental. The services are paid through state and federal levels, so you never get a bill. Best wishes!!!
(2)
Report
See 4 more replies
Could your aides go to work for one of the covered agencies?
Helpful Answer (4)
Reply to MG8522
Report

You might want to contact a benefits consultant, care coordinator, or independent social worker in your state to see if there are any financial assistance programs you might qualify for. You might now be eligible or about to be eligible for benefits if you’re running out of funds.

A good place to start might be your state’s Department of Aging and your local Medicaid office. Local non-profits may also be able to point you toward resources or benefits advice. One potential resource I found is a benefits checker made by the National Council on Aging: https://benefitscheckup.org.

If you own your home, a reverse mortgage might be an option. I don’t have experience with reverse mortgages myself, but professional guardians or conservators seem to rely on them for “aging in place” when funds start to run out. Again, I don’t have personal experience, but I know they have a mixed reputation. If you consider this, one of the resources I mentioned above might be able to give you or point you toward financial counseling--to see if a reverse mortgage is a good option.

I completely understand wanting to keep the caregivers you trust. I really hope you’re able to find a way to make it work and stay comfortable at home.
Helpful Answer (1)
Reply to AveryHom
Report

Not really. You can try Medicaid but you have to fit their income requirement.
Helpful Answer (1)
Reply to JoAnn29
Report

Ask a Question
Subscribe to
Our Newsletter