It is a very important decision when you are face with the question of whether to buy long-term health insurance or not. Although long-term health insurance can be very expensive and the majority of people have trouble affording it, the question is can you afford to pay privately out of your pocketbook for long-term health care in facilities? The average costs of long-term health care services on a daily basis are around $275.00 to $350.00, which works out to about 0,000 to 5,000 dollars per annum.Estimates of a person resides in a nursing home today average to two years.
In New York, home health care is expensive as well with the average costs between $20.00 and $30.00 per hour ,depends where you live upstate or downstate. Most people require about twenty hours each week of in home care; therefore, these expenses also add up quickly and can run around ,000 to ,000 for a year’s care. Unfortunately, as we age the chances of needing this type of care is normal with most of us requiring it. Most people will, at some stage, enter a nursing home during their lives.This is just a simple and unpleasant fact of life and aging.
Long-term care can consists of a lot of things but most of it involves chronic or disabling conditions that require constant care and supervision. Usually, long-term care means being cared for in a nursing home, having nursing care brought into your own home, but all of these care options involve assisted living in the form of helping the patient to dress, bath, eat, and take their medications properly. Today, many services fall under the definition of long-term care such as nursing facilities, institutional care, home health care, personal care, respite or hospice care, and non-institutional assisted care living programs.
In New York State, nursing homes are licensed under the Public Health Law as nursing facilities that provide long-term care services for people as a different option to that of being placed in a nursing home. This home health care option allows nursing services to be delivered directly to the patient’s home environment and can include home health aide services, occupational therapy, physical therapy, skilled nursing care, and speech therapy.
The usual care they provide consists of receiving organized nursing services such as personal hygiene, feeding,dressing,nutritional guidance and meal support, and other health related tasks to keep the patient at home with their care.