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Custodial Care Insurance Plans and Information

Custodial Care 101

Custodial care is the name for non-medical care services that help people with their activities of daily living. Custodial care also includes preparing special diets and assisting residents in the self-administration of their medication, without the constant attention of any medical personnel. Custodial care providers need not undergo medical training to be able to practice.

There are public long-term care programs like Medicaid that also cover custodial care if it is being provided in the same nursing facility. Custodial care can be provided at home and is typically covered under long term care insurance but not by Medicare. Even if custodial care may be cheaper than skilled nursing care, Medicare will only cover at-home custodial care on the condition that skilled care is also needed.

In other words, stand alone custodial care are services of a non-medical nature that is being provided on a long-term basis. These services are usually for chronically ill and convalescent patients. Some types of custodial care would include boarding, personal assistance, and a room.

Custodial care homes or residential care homes are tucked away in regular neighborhoods. These homes offer non-medical custodial care mostly for the elderly. A typical residential care home is in a single family residence and can serve up to ten patients, based on the laws in the state where the home is located. These facilities endeavor to provide a home setting for people requiring assisted living but may be a little intimidated in a larger setting.

Residential care homes are also sometimes known as board and care homes or residential care facilities for the elderly or even adult family homes. These homes offer a live-in lodging and care option for individuals who do not require skilled medical assistance. In general, a residential care home offering custodial care would provide a private room, hot meals, assistance with activities of daily living such as bathing, laundry, transportation, housekeeping, doctor appointments and even money handling, and health care management. Residents will also get reminders on when to take their medications or sometimes actual medicine administration. Indeed these homes are perfect for individuals seeking a home-like atmosphere in a much smaller scale compared to a nursing home. They will get good home-cooked meals and there would be an area to sit and relax like a porch or a backyard.

Most homes offering custodial care fosters an atmosphere of security as there would be a high staff-to-patient ratio. There would typically be one care giver for three residents. This is way better than in an assisted living community.

For a matured person who lives an active life, residential care may not be a good fit though and a larger assisted living community may be more appropriate. An assisted living community offers a wider range of social activities which may include outings, group exercises or aerobics classes. A residential care facility would be more ideal for a frailer senior citizen for he/she will benefit from a more individualized kind of care.

The search for a potential residential care home for a loved one can pose some challenges as there are no set federal standards for these facilities. Every state has their own way of licensing and regulating these homes. For states that have licensing rules, you can find surveys on these homes at the licensing office. Homes are required to provide this information to people who contact them for inquiries. You can find a city’s licensing agency through their office for the elderly.

In the same way that each house is different from the next, adult living facilities are not built and operated in the same manner. You will find modest dwellings or upscale homes. It would have to depend on how potential residents have lived their lives prior to the move to a residential care home. Of course these potential residents would like to be able to continue the life they lived as much as possible.

Residential care homes are operated by different individuals. There are registered nurses or immigrants who can barely speak English. There are owners that live in the facility and those that run it like a business where the staff takes shifts. There typically is a nursing oversight in every residential care home. If you are looking for a home for your elderly loved one you should keep in mind that these homes can have great differences. So, it is important to be careful in assessing the needs of your loved one to be able to find a perfect place for them.