The open enrollment season for health insurance plans has led Tennesseans to consider new policy additions or updates on their coverage, particularly for senior health care.
The cost will once again be a key factor. For instance, senior home health care services in Franklin could cost $20.5 and $21.5 per hour, which is the average price in the state.
Home care patients should expect to pay $18.75 per hour for this year, but the actual price might change depending on where you live in the state. The hourly rates in Cleveland and Jackson are among the least expensive at $14.75 on average.
You would pay a lot more in Clarksville, Nashville-Davidson, and Morristown, where rates linger between $19.25 and $20.75 per hour on average.
Assisted living rates are charged per month, and the average cost in the state amounts to $3,850. The rate varies on location just like home care services. Cleveland remains an affordable place with at least $2,645 per month, as opposed to $3,970 per month in the Nashville-Davidson area.
Since some insurers may not cover home care and assisted living, there are patients forced to pay for these services from their own pockets. The good news, however, involves different financing assistance programs in Tennessee.
For instance, the CHOICES waiver under Medicaid provides seniors with nursing home services, personal care, respite care, and adult day care. The Home and Community Based Services Waivers also allows seniors to stay at their own homes, which is more cost-efficient for the state.
Senior residents or their family members should carefully review the cost of elderly care while there’s still time left for the open enrollment period. Prices in cities such as Nashville are expensive for certain services, so consider nearby places where rates are more affordable.