Caring for a person with dementia involves more than memory loss—it’s the emotional, physical, and financial demands that families feel every day. If you’re wondering what help exists, where insurance fits in, or how to even start, you’re not alone.
Many families in Gastonia, NC, are facing the same reality: wanting the best care while worrying about the cost. At Blue Star Home Care Services LLC, we walk with you through both the caregiving and the financial planning—because peace of mind should be part of the care plan, too.
What You’ll Learn in This Blog
- What dementia care includes and why it matters
- What insurance may or may not cover
- Extra programs that can offer financial support
- How Blue Star helps you navigate costs and coverage
- Why local families choose Blue Star in Gastonia
What Does Dementia Care Include?
Dementia care goes beyond supervision. It’s about protecting dignity, creating structure, and supporting the unique behaviors and emotional needs that come with cognitive decline.
At Blue Star, our Dementia Care services provide:
- Help with grooming, dressing, and meal preparation
- Medication reminders and safe mobility assistance
- Calm responses to confusion, wandering, or aggression
- Trusted companionship care to ease loneliness
- Transportation to appointments and errands
Every care plan is designed in collaboration with families and clinicians through our structured clinical care planning service.
Does Insurance Cover Dementia Care in Gastonia?
This is where it gets confusing—because not all coverage is created equal. Most traditional health insurance plans do not cover long-term non-medical dementia support, which includes everyday tasks like bathing, memory prompting, and companionship.
Here’s how the most common insurance options stack up:
Medicare
- Covers short-term skilled care if tied to a medical condition or rehab
- Includes home health evaluations and hospice
- Does not pay for ongoing memory support or in-home supervision
Medicaid (North Carolina)
- Offers in-home assistance through Medicaid Waivers
- You must qualify medically and financially
- Covers some in-home dementia care, but access can be limited
Long-Term Care Insurance
- Often reimburses for meal preparation, in-home care, and personal care
- Requires that dementia be documented by a physician
- Blue Star helps families file and track claims
📍 Local Note: Many Gastonia families find that their insurance partially covers care only when it’s structured through a coordinated care plan—which we can create and manage.
Are There Other Ways to Afford Dementia Care?
Yes. When insurance isn’t enough, other programs and strategies can help.
Veterans Aid and Attendance
- Available to veterans or surviving spouses
- Helps cover in-home memory care
- Especially helpful when caring for dementia patients with mobility issues
NC Aging and Adult Services
- County-based programs offer caregiver stipends, adult day care referrals, and more
- Can bridge gaps in coverage or provide interim relief
Community-Based Adult Day Care
- If you’ve searched “dementia day care near me” in Gastonia, you’ll find part-day programs
- Blue Star can coordinate with these services while we manage in-home evening or weekend care
✔️ Tip: Combining day care with evening in-home support helps reduce costs while ensuring consistent supervision.
What Makes Our Dementia Care Different at Blue Star?
We don’t follow cookie-cutter models. We work with you, in your neighborhood, with caregivers who actually know Gastonia.
Why families trust us:
- Locally based: We’re located right in downtown Gastonia—not a call center or out-of-town franchise
- Trained professionals: Our team is certified in caring for dementia sufferers, not just general caregiving
- No contracts: Start and stop care as needed
- Responsive: Need care tomorrow? We can make it happen
- Insurance-savvy: We’ll walk through Medicaid, long-term care, or veterans benefits with you
📍 Real Experience:
“I was overwhelmed trying to get care for my dad while juggling work. Blue Star explained our Medicaid options, helped us get part-time support covered, and their caregiver now feels like part of our family.” – Jamie R., York Chester, Gastonia
Financial Planning = Peace of Mind
It’s easy to delay help out of fear or cost. But without a plan, families can experience burnout, emergency hospitalizations, or injuries that could’ve been prevented.
Caring for dementia sufferers shouldn’t mean sacrificing your own health or stability.
By connecting with Blue Star early, you can:
- Start small (just a few hours a week)
- Evaluate your insurance benefits clearly
- Build a flexible plan that grows with your loved one’s needs
- Receive trustworthy, skilled support without losing control of your budget
Frequently Asked Questions
Q: Can Medicaid help me afford dementia care at home in Gastonia?
A: Yes—if you qualify, Medicaid Waivers in North Carolina can help cover in-home dementia support. We’ll guide you through the application process.
Q: Do you help file long-term care insurance claims?
A: Absolutely. We provide documentation, progress notes, and support needed for your LTC provider.
Q: What if I only need a few hours of care per week?
A: That’s fine! Many families begin with 2–3 hours a day. We adjust based on your needs.
Talk to a Local Dementia Care Advisor Today
You don’t need to figure this out on your own. Whether you’re already receiving support or just exploring options, Blue Star Home Care Services LLC is here to help.
Call us or schedule a no-cost dementia care evaluation today. Let’s talk through your insurance, your care concerns, and your best path forward.
Because your loved one deserves the best—and so do you.