Answers to Your Aging Care Questions

Q: I may need some home care services for my father in the near future and I’m not sure where to start. Will Medicare or my insurance pay for these services?

A: That’s a great question. It’s wonderful that you’re looking into home care options now, before a preventable crisis occurs.

Unfortunately, Medicare and commercial insurance do not cover most private home care services. Medicare covers Medical or skilled home visits by Registered Nurses, Physical Therapists, Occupational Therapists, Speech Therapists, Medical Social Workers and Certified Nursing Assistants for bath visits for a specific amount of time depending on patient diagnosis. Private home care provides assistance with ADLS.  ADLs are “Activities of Daily Living” or personal care activities. They include: eating, bathing, dressing/ grooming, toileting, and transferring (getting up from a bed or chair). One of the major benefits of having private home care is the peace of mind that comes with knowing your father is being well taken care of and is safe while you go about your normal routine.

Assistance with Activities of Daily Living can be paid for three ways. One way is through private pay or out of pocket. Another way is through Veteran’s benefits. If your loved one (or their spouse) is a veteran you may want to contact the VA to inquire about their eligibility to receive private duty home care services. Finally, these services can be paid for is through long-term care insurance. Long –term care insurance can be purchased at any time with most making the purchase after age 40. This is when it is the most affordable. Long-term care insurance benefits can be accessed when assistance is needed with two or more Activities of Daily Living. Often times, those with Alzheimer’s and Dementia will not need to meet the number of ADL requirement in order to utilize their long-term care insurance benefits. Having long-term care insurance is a tremendous benefit to both the senior and their family because for the most part, the financial side of the senior’s care is taken care of. This lifts the burden and stress off everyone involved. Best of all, seniors are able to remain safely at home.

Published Date: August 7, 2013

What Others Are Saying About Bayshore Home Care

  • I was apprehensive about engaging a service here not being familiar with the companies and concerned about my wife’s care while I was away working but it has worked out beyond our expectations. We both felt 100% secure and confident that [our caregiver] would properly…

    Lorenzo P.

  • To our friends at Bayshore: Congratulations for being among the best Tampa Bay companies to work for! We are on the receiving end of your great company and very much appreciate the care you provide.

    Rebecca J.

  • There is just no way that I can express my appreciation for what you have done for my Aunt over the years. With me being out of state, I cannot tell you what a Godsend you all have been and how you have cared for…

    Barbara C.

  • I want to thank you for making it possible for my mother to live at her home. Your caregiver made sure my mother took her medication, got nourishment, and made sure she was safe and comfortable.

    John V.

  • I want to thank the staff of Bayshore for the fine service provided to my father over the past four years while he was in his home and then a resident in an assisted living facility. Everyone was very responsive to my requests and always…


  • Whether our residents need help with medications, bathing, companionship or just someone to lend a loving ear, the entire Bayshore team always responds promptly and has proved to us time and time again that they truly care.

    Senior Living Community
    Executive Director

  • Without Bayshore Home Care and the care and companionship they provided, I fear that my client would have been institutionalized. Your caregivers enabled my client to live in her home and enjoy a greatly enhanced quality of life as she was provided with the proper…

    Elder Law Atty.
    Pinellas County

  • Thank you so much for the caregivers you have provided for us. As you know, my husband had a very difficult post- operation period. I think that he has turned a corner now and is improving daily. The care that your staff provided made a…

    Janice M.

  • I really value the fact I do not have to worry about my mom while she is in your care. I also really value the socialization she is getting from your caregivers.

    Dean W.

  • The caregiver you sent us is a great communicator and provides a great loving environment for my Grandparents.

    Stacy M.