We know that for many families the cost of in home care is an important consideration during what may already be a challenging time. At Prestige Nursing & Care, we keep our prices transparent and our costs upfront so that you won’t be surprised by any unexpected or hidden fees.
The cost of in home care is determined by your care needs and the type of care you choose. We have created this helpful guide to help your family evaluate the costs of in home care and whether you may be eligible for funding to help cover the costs.
If you need further guidance, contact our friendly advisors. They can answer your questions and provide personalised cost estimates based on your situation.
HOW MUCH DOES IT COST TO PAY FOR MY OWN CARE?
Several factors influence the costs of in home care. The type of care provided, the number and length of the visits, if clinical nursing care is required, and the care provider chosen will all affect the total cost of in home care.
IN HOME HOURLY CARE COSTS
At Prestige Nursing & Care, our in home hourly care costs are determined through a comprehensive needs assessment conducted by our skilled Care Assessor. They will meet with you and your family to discuss all your holistic medical, physical, emotional and social needs. The cost of your care is dependent on the level of care and support you require, with the overall cost determined by the number of visits and frequency of visits to you at home.
All costs are quoted on a weekly basis according to the results of your needs assessment. There are no additional or hidden fees. You will only pay for the care you need when you need it. Our costs are comparable, and often less than, a residential care home, with all the added benefits of staying in your own home to receive the support you need.
24/7 In Home Care Costs
24-hour in home care is provided to people living with complex health needs who require nurse-led care or anyone living with a complex health condition that impacts their ability to live well. Our experts will conduct a comprehensive assessment of your needs at your home, or in hospital if you are awaiting discharge, to truly understand what you need and how much 24-hour home care will cost.
Is Funding Available for In Home Care?
If you or your loved one are finding it difficult to live well at home, funding may be available to help cover the costs of your in home care:
NHS Continuing Healthcare
NHS Continuing Healthcare funding is provided free at the point of delivery to those who have an identified primary healthcare need. This care can be provided in a primary or acute care setting, or you can receive care and support in your home. Healthcare funding is organised and funded by your local Clinical Commissioning Group (CCG).
The process of finding out whether you are eligible for NHS Continuing Healthcare funding can be lengthy and the qualification criteria are rigorous. To learn if you are eligible, your first step should be to ask for a continuing care assessment from your social worker or GP.
Social Care Funding
You may also be eligible for social care funding through your local council. This form of funding is means tested, meaning your eligibility depends on both your financial circumstances and care needs. If you are receiving care in your own home, the means test will not consider the value of your property.
Your local authority will look at your income and savings to determine how much you need to contribute to the cost of your care. If you have capital (savings and property) over £23,250, then you will be required to self-fund your own care. If you are receiving care in your own home, then the means test will not consider the value of your property.
To determine your eligibility for social care funding, you must request a care needs assessment from your local authority. A care needs assessment is free and anyone over 18 can request one.
Direct Payments for In-Home Care
If you are eligible for social care funding, you will receive a personal budget. A personal budget refers to the funds you receive to cover the costs of your care through the local authority. It is calculated on a weekly basis.
Once you’ve been assigned your personal budget, you can choose to receive the funding as a direct payment. This means that you or someone you chose to act on your behalf can manage and use your personal budget to choose your own care provider. You can receive your direct payment into your bank account, Post Office, building society or National Savings & Investments account.
If you choose to receive your budget as a personal payment you must create a detailed plan of how you plan to use your direct payment to fund your care. The local authority will conduct an annual review to monitor the payments and ensure they are only being used for care services. They may ask for proof through receipts, timesheets signed by carers, or other invoices, so keep careful track of all your documentation. Setting up a bank account you use only for managing your personal budget is one easy way to keep track of all your care fees.
Direct payments offer people greater control and choice in arranging and receiving their care and support. You can use your personal budget to find a care provider, like Prestige Nursing & Care, that provides flexible care that suits your needs and lifestyle.
How Can I Arrange In Home Care?
Arranging in home care with Prestige Nursing & Care is easy. Simply call our friendly team today to schedule your free, no obligation home assessment.
One of our Care Advisors will meet with you and your family to discuss your care needs and how in-home care from Prestige can improve the quality of your life.