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Michigan Home Care

Tip: How to plan for and find affordable Michigan Home Care.

Make sure you compare cost for services. We are Michigan based independent insurance advisors. We offer you free quotes from multiple resources.

Shop and save by comparing MI Home Care providers, products and services from several different companies.

How to Plan for Affordable Home Care

In Michigan Home Care represents approximately 70 percent of all long-term care. Affordable home care that matches your needs without busting your budget is the goal.

Most of us want to live to a ripe old age. But as we age, we will face challenges. Even though at some point, we start to need help getting around, we want to remain independent. That’s one reason seniors often resist the idea of living in a nursing home or assisted living facility.

However, when family members begin noticing that an aging relative needs significant help in performing daily living activities; decisions must be made for the protection of their loved one. When faced with this situation one option to consider is home-based care. Dependent people usually prefer the comfort of being able to stay at home.

Getting Your Home Ready

One of the first steps in planning for affordable home care is to determine what modifications will need to be made to a home.

The following changes can help a disabled person function as independently as possible for as long as possible.

Examples of potential home modifications

• If at all possible, choose a bedroom on the first floor of the house.

• If the bedroom is on the second floor, then consider installing stair lifts so the person is able to have access to both levels.

• Adapting the height of the toilet.

• Installing bathroom support bars by the washbasin, commode and in the shower or tub.

• If the person is in a wheelchair, then cabinets and shelves will need to be moved to wheelchair level.

• Installing entry ramps.

• Making it possible for a wheelchair to enter a room by widening doorways.

Starting Your Plan

1. Which of the above modifications listed above are needed? You will need to contact local contractors for structure remodeling. Angie's list is one resource for finding trusted contractors in your area who specialize in home modifications for at-home care.

2. Approximately how long will at home care last?The average Michigan home care stay for a person 65+ is three to five years. For budgeting purposes, think in terms of monthly costs. That means that on average, between 36 and 60 months.

3. Who will be the Caregiver(s)? Will it be spouse, relatives or friend? Will you need to hire licensed caregivers on a part time or full time basis? What is the typical annual cost for caregiver services? Break that down into monthly costs. You will find more information on the page Michigan Caregivers. Talk to caregiver agencies in your area and compare their prices. Tip: Think about the importance of running a background check on anyone you are hiring to take care of your loved one. See available services at bottom of this page

4. What ongoing Caregiver supplies will be needed? Talk to your family doctor, nurse and experienced caregivers. See our pages covering products, supplies and equipment. Determine which are one-time costs and which will be ongoing monthly expenses.

5. Putting the Affordable Home Care Budget TogetherReviewing the costs in the first 4 steps will give you an idea of what will be a one-time expense and how much will be needed each month to pay for ongoing costs.

6. Paying for Home-Care Go to our page Financing Long Term Care to review your options for funding the expense of home care.

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