The cost of home health care is generally less expensive than that of traditional healthcare treatment facilities, such as hospitals or nursing homes - unless you require a great deal of nursing or other specialized professional care.

To give you an idea of the cost difference, according to the National Association For Home Care And Hospice (www.nahc.org ), in 2005 home care costs $100 to $200 a day, compared with $1,000 a day for a hospital stay and $166 a day at a nursing home.

Both Long Term Care Insurance and Health Insurance can cover home health care, depending on the terms of the policy.

If your Health Insurance doesn't cover home care, ask your doctor or a home care agency to negotiate with your insurer to obtain coverage for you. Before calling, the person who will call should have an understanding of what your insurance covers, as well as a detailed plan showing the cost savings to the insurer by allowing you to have care in your home.

You may be able to obtain medical equipment for free or at low cost.

If you cannot afford care at home, there are alternatives.

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