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Home Health CareCancer survivors may face challenges during or after treatment that require ongoing assistance with health care. Medical advances are making it increasingly possible to safely provide health care at home instead of in a medical facility. If you or a loved one have concerns about these types of challenges during or after treatment, home health care may make it possible to continue to live at home without giving up the benefits of specialized health care. Home Health Care: Detailed InformationThis information is meant to be a general introduction to this topic. The purpose is to provide a starting point for you to become more informed about important matters that may be affecting your life as a survivor and to provide ideas about steps you can take to learn more. This information is not intended nor should it be interpreted as providing professional medical, legal and financial advice. You should consult a trained professional for more information. Please read the Suggestions and Additional Resources documents for questions to ask and for more resources. Home health care is a term that includes a wide range of medical, psychosocial, personal and rehabilitation services that can be provided to individuals in their own homes. With medical advances, more and more care can safely be given at home instead of in a medical facility such as a hospital, clinic or doctor’s office. An important goal of home health care agencies is to enhance the well-being of everyone involved without taking over or replacing the role of your family and other caregivers. Depending on need, home health care services may be provided on a temporary, short-term basis or on a long-term basis. For example, home health care can be used by people who are in the process of recovery such as those recently discharged from the hospital. These services may also be appropriate when there is a long-term need for assistance such as for a newly disabled person or someone who is chronically or terminally ill. Some cancer survivors face physical challenges during or after treatment that require ongoing assistance with health care. If this is something you or a loved one are facing, keep in mind that home health care may make it possible to continue to live at home without giving up the benefits of specialized health care. Many people find the home health care option preferable to an extended stay in a hospital or a move into an assisted living or nursing home facility. This document provides an overview of the process of finding home health care services that best meet your needs including:
When should home health care services be considered? Home health care is usually considered when you cannot live comfortably and safely without support services. It may also be appropriate if you require a specific medical skilled service such as intravenous (IV) medications or physical therapy that can be done at home instead of traveling to a medical center if this has become hard to do. This type of care may be suggested by a doctor or another member of a health care team. In addition to the emotional comfort that the home environment may provide, home health care is usually less expensive than care provided in a medical facility. Access to hospitals or other health care facilities remains available as needed. If there comes a time when these services are needed, be sure to research and compare a number of licensed home health care agencies. You can also consider the possibility of hiring your own caregivers. There are major differences in how home health care agencies and individual caregivers operate. You may find that one method meets your needs better than the other. What types of home health care services are available? Home health care falls into two broad categories based on length of care:
Within these two categories there are different levels of care: Custodial care (non-skilled care) is care that helps with activities of daily living like dressing, bathing and toileting. This type of care is often not covered by government-sponsored programs like Medicare. Skilled care is a level of care that requires the caregiver have special training and skills. This type of care must be provided by a licensed professional and prescribed by a doctor. Government-sponsored programs may pay for medically necessary skilled care. There are generally two types of skilled care services:
What types of care providers are associated with home health care? Certified home health care agencies employ a variety of care providers to deliver services. In addition to nursing care and home health aide services, agencies can provide or arrange for specialized services such as with social workers or physical, occupational or speech therapists. Home health care agencies can also assist with arrangements for medical supplies and equipment as well as nutrition programs like home-delivered meals. With a doctor’s order, the following caregivers may
When should a survivor talk with a doctor about home health care? If you think you may have a need for home-based health care services, discuss your needs with your health care team. The doctor must prescribe (order) skilled home health care services in order for insurance to pay. Tell your doctor about any problems you are having with daily activities. Discuss the types of health care services that might be helpful to you at home. Be certain to include the following in your discussion with your doctor:
Write down any concerns and questions before meeting with the doctor to discuss your needs. This discussion will help define how much and what type of home health care services might be needed (such as skilled or intermittent care). How can a survivor get home health care services? There are generally two main types of home health care services. The services are generally provided through a licensed home health care agency or by hiring a caregiver on your own (private pay).
Home health care agencies coordinate and supervise the provision of skilled services (such as wound care, injections and other medical care) in the home. These services are provided according to the needs of the patient and as ordered by the doctor. Home health care agencies are licensed. If the agency has also met federal and state minimum requirements for patient care, it can be Medicare-certified. This qualifies the agency for Medicare and/or Medicaid payments for home health services. If you have a doctor’s order or prescription and work with a licensed and certified agency, costs for services may be covered through an employer-sponsored, private, or government-sponsored insurance plan. Frequently, only part-time or temporary home health care services are covered. Ask your insurance provider about your specific plan. Find out what is covered and what the plan requires for services to be covered. Local and national cancer organizations and agencies for the aging may be able to suggest home health care providers. Generally, you have the right to choose the home health care provider that you want. However, certain insurance plans limit coverage to the agencies that are listed in the policy. Your insurance company may have a relationship with certain home health care agencies and direct you to a specific service provider. If home health care is needed following a hospitalization, a hospital social worker will usually initiate contact with a home health care agency and coordinate services with the doctor, you, and your family. A home health agency has the right to refuse to accept any individual patient if the agency is not able to meet the patient’s needs.
Begin your research by asking health care team members (such as your doctor, nurse or therapist) to help you with recommendations and contact information for home health care agencies. A hospital social worker, Oncology Social Worker, nonprofit cancer organization, or your Health and Human Services office may also be able to direct you to local resources that are available.
Home health care agencies are certified to make certain they meet federal health and safety requirements. You can get information about home health agencies and the results of their quality measures from a Medicare agency. In some cases, a local ombudsman, who can be contacted through your local agency on aging, may have information on quality care measures of home health agencies in your area. You will have a say about which home health care agency you use, but your choices may be limited by agency availability or a factor such as Medicare rules. Some hospitals have their own home health care agency, but this does not mean you have to choose the hospital’s agency. Quality care means doing the right thing, at the right time and in the right way to obtain the best possible results for the patient. Quality care measures give you information about how well home health agencies provide care for patients. Patients are monitored for quality measures in areas such as:
You and your loved ones have a right to participate in planning care and discussing treatment options. Patient care plans are developed for individuals as part of the case management process. These written plans are based on the doctor’s orders and outline all of the services and caregiving arrangements that are needed. A multi-disciplinary team (that may include family members, nurses, dieticians, doctors, therapists, activities and social services professionals) defines timeframes and specific care services to be provided. Your care plan is periodically reviewed by the home care team and adjustments are made to the care plan as needed to reflect your current needs. Home health care staff cannot make changes to the care plan your doctor has ordered without the doctor’s knowledge and permission. Using private home health care workers Private home health care workers are individuals hired directly by you or your family. They may be found a number of ways including through a friend or by using a classified ad or a similar “help wanted” posting. These caregivers typically provide companionship and help with ADLs such as housecleaning and meal preparation. If you plan to hire and pay an unlicensed personal care attendant for home health care services on your own, you do not need a doctor’s order. However, licensed nursing services that are provided by a RN or LPN do require a doctor’s order. If you do decide to find your own home health care worker, be aware that you will be required to take responsibility for certain things. Carefully consider these responsibilities including:
Interview potential health care workers in your home where there is an opportunity for the caregiver to become acquainted with you and any family members. The interview and selection process should be a time for an open and honest discussion between the patient, family, and the health care provider. This is the time to ask questions and to cover all topics that are of concern to you. Ask the caregiver how he or she would respond in specific situations and request that they provide examples from past experience that show how they solve problems. Make it clear to the home health care provider that you will not tolerate abuse, neglect, chronic tardiness, absenteeism or failure to perform assigned duties. Discussing a set of rules and job requirements is important before signing an employment agreement. Home health care registries are independent contractors that provide services at prices that are usually lower than home health care agencies. They operate somewhat like an employment agency in that they screen, interview and do reference checks on home health care workers that are referred. Be sure that any agency you select can provide the type of caregivers you need. Some states and counties offer home health care services to people who are disabled or to family caregivers. An application for assistance is reviewed and evaluated by need. If you qualify for program services, home health care aides may be provided. Finally, some families elect to set up formal caregiver contracts (also called personal service or personal-care agreements) to hire a family member to provide care services. These legal contracts name the specific services to be performed, the rate of pay to be provided the caregiver and when it will be paid, such as in one lump sum or in regular payments. Talk with an attorney who specializes in this area to receive guidance if you decide to set up such a contract. There is also information on caregiving contracts and related matters available online, such as through the National Academy of Elder Law Attorneys. How might home health care services be paid for? Home health care services can be costly. Some services may be partially covered by private medical and disability insurance policies. However, home health care on a long-term basis may have to be financed through personal funds and state and federal medical assistance programs. If your insurance policy or a government program will not normally cover those needs, your doctor or a home health care company may be able to negotiate for you with the insurance carrier. Specifically, if it can be shown that it is less expensive to deliver the needed services to you at home rather than in a hospital, they might consider covering costs for a time.
Costs Rates for home health care are based on the level of service, individual agency rates, and the rates typically charged in the area in which the services are provided. Contact several agencies to compare services offered and rates charged before deciding to contract for services. There may be limits on the number of hours per day and days per week that you can get skilled nursing or home health aide services. Contact your insurance company to find out specifically what home health care services are covered. If you have Medicare or Medicaid, the Centers for Medicare and Medicaid Services can provide you with information. If you are eligible for home health care, services ordered by a doctor such as the following are likely to be covered:
What if you have concerns about the quality of home health care services? If you have concerns about the home health care services, start by speaking directly with the care provider to let him or her know your concerns. If that does not improve the situation, speak with the provider’s supervisor or the agency owner. If there is still no improvement in the work, ask for a new health care worker. Be sure to let your doctor know of any unresolved concerns or problems with the agency. If you find that you do not feel comfortable with the home health care you receive, you can change home health care providers. A close friend or family member can speak on your behalf if you do not want to personally deal with the problem. Keep in mind that because of federal laws about health privacy, the home health care agency will need written permission to speak with someone other than you about your care. If a problem with the health care provider cannot be resolved to your satisfaction, you will likely want to change agencies and/or health care workers. The following are basic guidelines for changing your home health care provider:
Home health care should be overseen by you, loved ones, and your health care team. If necessary, changes can be requested. Patients of home health agencies have rights. A Medicare-approved facility must provide you with a written copy of your rights. The ultimate goal of home health care is to make it possible to remain in the home in a safe and comfortable environment while enjoying a better quality of life. Although there may be a period of adjustment to a new care routine, it is important that you feel safe and satisfied that you are receiving a high standard of care. This document was produced in collaboration with: David S. Landay, Esq., author of Be Prepared: The Complete Financial, Legal and Practical Guide for Living with Cancer, HIV and Other Life-Challenging Conditions. Works cited: “Accessing Home Health Care.” Leukemia-Lymphoma.org. The Leukemia & Lymphoma Society. “Guide to Interviewing a Caregiver, Tips for Hiring a Caregiver and A Home Healthcare Planner.” Respite Match.com, Home Healthcare Solutions. >Rex, GA.< 8 August 2006. Landay, David S. Be Prepared: The Complete Financial, Legal and Practical Guide to Living with Cancer, HIV and Other Life-Challenging Conditions. New YorkSt. Martin<’s Press, 1998. McFarlane, Rodger, and Philip Bashe. The Complete Bedside Companion. New York: Simon and Schuster, 1998. Silverman, Rachel Emma. “Who Will Mind Mom? Check Her Contract: Seniors Turn to Written Agreements to Compensate Relatives as Caregivers; Reducing Estate Size.” The Wall Street Journal, 7 September 2006: D1-D2. U.S. Department of Health and Human Services, Centers for Medicare & Medicaid Services. Publication 10969: Medicare and Home Health Care and Home Health Compare. Baltimore, MD. August 2004. Home Health Care: SuggestionsThe suggestions that follow are based on the information presented in the Detailed Information document. They are meant to help you take what you learn and apply the information to your own needs. This information is not intended nor should it be interpreted as providing professional medical, legal and financial advice. You should consult a trained professional for more information. Please read the Additional Resources document for links to more resources. The rights for a home health care patient include:
When considering whether you need home health care:
If you plan to hire a caregiver through a home health care agency:
Consider the following questions if you are in the process of selecting a home health care agency:
Consider the following questions about your satisfaction with your home health care agency:
Ask yourself the following questions if you suspect fraud, waste or abuse in the way home health care services are being provided:
If there is a need to change home health care agencies, you should:
If you plan to hire home health care workers on your own, understand the legal requirements you may have as an employer including:
Develop a job description before interviewing prospective home health care providers on your own. The job description that you write can be used as a work contract that is signed by both you and the home health care provider. Include information such as:
Ask questions such as the following when interviewing prospective private home health care workers:
Define your rules for employment and clearly discuss important matters with the health care worker, such as:
Seek legal help if you are interested in setting up a formal caregiver contract to hire a family member. Seek legal guidance from an attorney or professional organization, such as the National Academy of Elder Law Attorneys (naela.com), about how to correctly set up the arrangement. Look into the possibility that some government programs (such as a state Medicaid consumer-directed program) may be able to provide funding to pay family members for care. Local agencies on aging or departments of Social Services may be able to provide more information on government funding. Home Health Care: Additional ResourcesThe resources listed below provide more detailed information and support services to help you with home health care. Please read the Detailed Information and Suggestions document for more information and questions to ask. LIVESTRONG SurvivorCare Program
LIVESTRONG SurvivorCare offers assistance to anyone affected by cancer, including the person diagnosed, loved ones, caregivers and friends. The program provides information about treatment options and matching to clinical trials or treatments in development. Counseling services and assistance with financial, employment and insurance issues are also available. To provide these services, LIVESTRONG SurvivorCare has partnered with several organizations including CancerCare, Patient Advocate Foundation and EmergingMed. Eldercare Locator: Connecting You to Community Services
The Eldercare Locator is a free national service of the U.S. Administration on Aging of the U.S. Department of Health and Human Services. It provides a connection to resources that can help seniors live independently in their communities. The website lists phone numbers for state and local Area Agencies on Aging that serve older adults and their caregivers. People of all ages can use this resource to find in-home care. Legal Services Corporation
The Legal Services Corporation is a nonprofit organization that helps low-income individuals and families find free or affordable legal services. The website provides contact information and eligibility rules for legal aid services in your county or state. Some of the state websites also include information about a variety of legal topics. The information includes wills and estates, employment or housing discrimination, family law, public benefits, elder law, health care and disability rights. U.S. Department of Health and Human Services - Medicare.gov
Medicare.gov is a program offered through the U.S. Department of Health and Human Services. This program provides free information about Medicare eligibility and benefits. It also offers publications about choosing a nursing or assisted living home, long-term care planning, home health care, alternatives to nursing homes, and more. A search tool allows you to find nursing homes as well as home health care and physical therapy services in your area. In addition, there are links to state resources for home health care and nursing home or assisted living information. Some information on the website is available in Spanish. National Association of Professional Geriatric Care Managers, Inc.
The National Association of Professional Geriatric Care Managers is an organization of nurses, social workers, gerontologists, psychologists and other professionals who specialize in the field of elder care. Through this website, you can find a private geriatric care manager in your area, learn more about the services a geriatric care manager can provide, and find additional care management resources, such as government agencies, national organizations and community services. You can also order brochures and books related to caregiving issues. Quality Check
Through this website, you can check the Quality Reports on nearly 15,000 long-term care facilities, home care agencies, hospitals and other organizations across the nation that are accredited by the Joint Commission on Accreditation of Healthcare Organizations. You can search by facility name, zip code or city and state. These reports include the organization’s accreditation decision, information about the facility’s services, and compliance with the Joint Commission’s National Patient Safety Goals. The site also has information about how to read these reports and understand what qualities are being rated. [return to top] |

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