Most older people prefer to live independently in their own homes for as long as possible. "Home-and-community-based services" refers to the whole array of supportive services that help older persons live independently in their homes and community. Often, such services are provided by not-for-profit organizations sponsored by religious or fraternal groups or other community organizations.

There are a variety of community services that can benefit many older persons and their caregivers. One person may need a mix of services, such as help with housekeeping, transportation, and preparing meals. Others may seek social contacts through senior centers or volunteer activities, such as the foster grandparent or senior companion program.

Caregivers of older people who are chronically ill or disabled also benefit from home-and-community-based services. For example, adult day care and respite care enable caregivers to work or take time off from caregiving responsibilities, knowing their loved ones are getting the care they need.

If you have decided that home-and-community-based services are the best option for yourself or a family member, here is a checklist of things to remember:

• Decide what activities you need help with. For example, some people need personal care services to help them manage the activities of daily living, such as eating, bathing, dressing, and grooming.

• Consider if some of the following services might be needed:

  • Transportation

  • Cooking and meal preparation. Some services can deliver meals to your home and congregate(group dining). Meal programs are also an option.

  • Home health, rehabilitative therapy, or other medical care. These services can be provided in the home or in a community setting.

  • Homemaker/ chore services.

• Consider what the fees are for the services

• Find out if your insurance company will cover the services

• Consider if Medicaid can assist in paying for this service. Medicaid pays for some community services, usually limited home health, hospice and personal care, depending on the state in which you live.

• Also consider if Medicare can assist in paying for this service. (It also covers limited home health and hospice care.)

• Explore other forms of federal assistance that may aid in paying for the service. The Older Americans Act and Social Services block grant funds that may be of some assistance.