Financing options for outpatient care for those with a care level rating and self-payers – Sernitas Care

Finanzierungs möglichkeiten der ambulanten

Pflege für Pflegegradinhaber und Selbstzahler

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info@sernitas-care.com

Care Guide

Financing options for outpatient care for

those with a care level rating and self-payers

Financing options for

outpatient care for

care for those with a

care level rating

and self-payers

Financial planning for outpatient care can be a challenge for many families. Whether you have a care level rating or are paying out of pocket, there are various ways to finance care. At PflegePlus, you get everything from a single source: care and support for those with a care level rating and for self-payers – and we support you with the application process and individual consultation. You can also supplement your services privately and utilize the full budget available from the long-term care insurance funds to receive what you are entitled to.

What is a care level?

The term “care level” refers to the classification of the care needs of individuals who require support in their daily lives. The reasons for this can be physical, mental, or psychological impairments. Care levels range from level 1, indicating a minor impairment, to level 5, representing the most severe impairment. The care level is determined by the Medical Service of the Statutory Health Insurance (MDK) or another authorized assessor in Germany.

Long-term care insurance benefits for care level holders

Long-term care

insurance benefits

for care level holders

The long-term care insurance fund finances various care services to ensure that people in need of care receive the necessary support. A prerequisite for this, however, is a recognized care level. This level is assigned after an assessor has evaluated the individual’s situation and prepared an assessment report. The level of care is usually the deciding factor in the amount of care allowance that the person in need of care ultimately receives. Those with a care level then benefit from various long-term care insurance services tailored to their individual care needs. These include, for example, day and night care, outpatient care, and home modifications. Long-term care insurance funds provide various resources for outpatient care, which can be used directly for professional care services such as PflegePlus.

Services and support

Short-term and respite care

Family caregivers are entitled to respite care and short-term care to receive relief when they are unable to provide care themselves or need a break. These services are particularly helpful in cases of short-term absences or when temporary inpatient care is needed.

Respite care: €1,685 per year
Short-term care: €1,854 per year

We are also happy to assist you with applications for respite care and short-term care. PflegePlus helps you get the most out of the long-term care insurance funds so that you receive the support you are entitled to.

Note: Since the beginning of this year, both budgets can be combined in full, so that those in need of care have up to €3,539 per year available.

The joint annual budget will also harmonize the different requirements for respite care and short-term care. This means, for example, that to claim respite care, home care no longer needs to have been in place for at least six months.

Care allowance

Care allowance is financial support paid directly to the person in need of care or their family caregivers when care is provided at home. Eligibility for care allowance exists if the insured person has at least care level 2. The amount of the care allowance then depends on the care level.

Care level	Care allowance per month
Care level 2	€347
Care level 3	€599
Care level 4	800€
Care level 5	€990

The care allowance can be used flexibly for various care and support services. PflegePlus will gladly advise you on how to make the best use of these benefits. Book a personal consultation now!

Care benefits in kind

In-kind care benefits are professional home care services that provide basic care on an outpatient basis. These include personal care measures such as hygiene, support services such as structuring daily life, and assistance with household tasks. This type of service can only be provided by home care agencies; therefore, in-kind care benefits are paid directly by the long-term care insurance fund to approved outpatient care agencies like PflegePlus. These benefits offer greater financial support than the care allowance.

Care level	Care benefits in kind per month
Care level 2	€796
Care level 3	€1,497
Care level 4	€1,859
Care level 5	€2,299

In-kind care benefits are particularly suitable for those requiring professional support from an outpatient care service. Should you require more extensive care, you can supplement your benefits privately with PflegePlus.

Combined services

Combined benefits are granted by the long-term care insurance fund when family caregivers also use an approved home care service. This increases the total care allowance to ensure adequate care. Billing is handled directly with the long-term care insurance fund. If the in-kind care benefits for the month are not fully utilized, the remaining care allowance is paid out proportionally.

Relief amount

Those requiring care from care level 1 upwards are entitled to a monthly relief allowance of €131. This amount can be used for support services such as household help, accompaniment to the doctor or walks and is billed directly to approved care or support services such as PflegePlus.

Financing options for self-payers

Financing options

for self-payers

For self-paying individuals who do not receive benefits from the long-term care insurance fund or who desire particularly exclusive care, we offer, in cooperation with our subsidiary Betreuung Exklusiv, individual care and support services tailored to your specific needs.

Self-paying clients benefit from our flexible care – whether you need hourly support or 24-hour care. Everything from a single source: individualized care, support, and assistance with financial planning.

Tax advantages for self-payers

Tax advantages

for self-payers

Those paying for care themselves can claim tax relief on their care costs. Up to 20% of the costs, with a maximum of €4,000 per year, can be deducted from their income tax. This is an important way to reduce financial burdens.

Home environment improvement measures

by the long-term care insurance fund

Home environment

improvement measures

by the long-term

care insurance fund

Those requiring care can apply to their long-term care insurance provider for a subsidy of up to €4,180 per year for structural modifications to their living environment. These measures are intended to facilitate care and promote independence.

Installation of a stairlift
Construction of a barrier-free shower
Widening of doors for wheelchairs
Installation of a ramp at the house entrance

We are also happy to help you with the application for these subsidies.

Everything from a single source at PflegePlus

Everything from a single

source at PflegePlus

At PflegePlus, we offer comprehensive care and support – regardless of whether you are receiving benefits from your long-term care insurance or paying privately. Our experienced caregivers provide loving and competent care for you or your loved ones. We are also happy to assist you with the application process and offer advice and practical support. With us, you can be sure that you will receive your full entitlements from the long-term care insurance budget and have the option to supplement your services privately at any time.

Do you have any questions about

financing outpatient care?

Do you have any

questions about

financing

outpatient care?

If you are unsure which financing options are right for you, we are happy to advise you. The PflegePlus team will help you find the best solutions for your individual care situation – whether you have a care level rating or are paying out of pocket. Simply contact us and we will get back to you promptly.

We are here for you!

We’d be happy to advise you on which services are right for you. This way, you’ll receive basic care tailored to your individual needs or those of your loved ones. Do you have any questions? Our staff will be happy to answer them. Give us a call!