Ralph Stepney’s home on a quiet street in north Baltimore has a welcoming front porch and large rooms, with plenty of space for his comfortable recliner and vast collection of action movies. The house is owned by Joann West, a licensed caregiver who shares it with Stepney and his fellow Vietnam War veteran Frank Hundt.
“There is no place that I’d rather be. . . . I love the quiet of living here, the help we get. I thank the Lord every year that I am here,” Stepney, 73, said.
It’s a far cry from a decade ago, when Stepney was homeless and “didn’t care about anything.” His diabetes went unchecked and he had suffered a stroke — a medical event that landed him at the Baltimore Veterans Affairs Medical Center.
After having part of his foot amputated, Stepney moved into long-term nursing home care at a Department of Veterans Affairs medical facility, where he thought he’d remain — until he became a candidate for a small VA effort that puts aging veterans in private homes: the Medical Foster Home program.
The $20.7 million-per-year program provides housing and care for more than 1,000 veterans in 42 states and Puerto Rico, serving as an alternative to nursing home care for those who cannot live safely on their own. Veterans pay their caregivers $1,500 to $3,000 a month, depending on location, saving the government about $10,000 a month in nursing home care. It has been difficult to scale up, though, because VA accepts only foster homes that meet strict qualifications.
For the veterans, it’s a chance to live in a home setting with caregivers who treat them like family. For VA, the program provides an option for meeting its legal obligation to care for ailing, aging patients at significantly reduced costs, because the veterans pay room and board directly to their caregivers.
Cost-effectiveness is but one of the program’s benefits. Stepney and Hundt, 67, are in good hands with West, who previously ran a home health-care services company. And they’re in good company, watching television together in the main living room, going twice a week to a center that offers daytime care and sitting on West’s porch chatting with neighbors.
West, who considers caring for older adults “her calling,” also savors the companionship and finds satisfaction in giving back to those who spent their young lives in military service to the United States.
“I took care of my mother when she got cancer and I found that I really had a passion for it. I took classes and ran an in-home nursing care business for years. But my dream was always to get my own place and do what I am doing now,” West said. “God worked it out.”
The Medical Foster Home program has slightly more than 700 licensed caregivers who live full time with no more than three veterans and provide round-the-clock supervision and care, according to VA. Akin to a community residential care facility, each foster home must be state-licensed as an assisted-living facility and submit to frequent inspections by VA as well as state inspectors, nutritionists, pharmacists and nurses.
Unlike typical community care facilities, foster home caregivers are required to live on-site and tend to the needs of their patients themselves 24/7 — or supply relief staff.
“It’s a lot of work, but I have support,” West said. “I try to make all my personal appointments on days when Mr. Ralph and Mr. Frank are out, but if I can’t, someone comes in to be here when I’m gone.”
VA medical foster home providers also must pass a federal background check, complete 80 hours of training before they can accept patients, plus 20 hours of additional training each year, and allow VA to make announced and unannounced home visits. They cannot work outside the home and must maintain certification in first aid, CPR and medicine administration.
But one prerequisite cannot be taught — the ability to make a veteran feel at home. West has grown children serving in the military and takes pride in contributing to the well-being of veterans.
“It’s a lot of joy taking care of them,” she said of Stepney and Hundt. “They deserve it.”
To be considered for the program, veterans must be enrolled in VA health care; have a serious, chronic disabling medical condition that requires a nursing home level of care; and need care coordination and access to VA services. It can take up to a month to place a veteran in a home once they are found eligible, according to VA.
The veterans also must be able to cover their costs. Because medical foster homes are not considered institutional care, VA is not allowed to pay for it directly. The average monthly fee, according to VA, is $2,300, which most veterans cover with their VA compensation, Social Security and savings, said Nicole Trimble, Medical Foster Home coordinator at the Perry Point VA Medical Center in Maryland.
Pilot program takes off
Since 1999, the Department of Veterans Affairs has been required to provide nursing home services to veterans who qualify for VA health care and have a service-connected disability rating of 70 percent or higher, or are considered unemployable and have a disability rating of 60 percent or higher.
VA provides this care through short- or long-term nursing home facilities, respite care, community living centers on VA hospital grounds, private assisted living facilities and state veterans homes.
Shortly after, the VA Medical Center in Little Rock launched an alternative — a pilot program that placed veterans in individual homes, at an average cost to VA of about $60 a day, including administration and health-care expenses, compared with upward of $500 a day for nursing home care.
And because veterans who are enrolled in the Medical Foster Care program must use VA’s Home Based Primary Care program, which provides an interdisciplinary team of health professionals for in-home medical treatment, the program saves VA even more. One study showed that the home-based care has yielded a 59 percent drop in VA hospital inpatient days and a 31 percent reduction in admissions among those who participate.
More than 120 VA medical centers now oversee a Medical Foster Home program in their regions, and VA has actively promoted the program within its health system.
It also has attracted bipartisan congressional support. In 2013, Sen. Bernie Sanders (I-Vt.) introduced a bill to allow VA to pay for medical foster homes directly.
In 2015, former House Veterans’ Affairs Committee chairman Rep. Jeff Miller (R-Fla.) introduced similar legislation that would have allowed VA to pay for up to 900 veterans under the program.
And this month , Rep. Clay Higgins (R-La.) raised the issue again, sponsoring a bill similar to Miller’s. “Allowing veterans to exercise greater flexibility over their benefits ensures that their individual needs are best met,” Higgins said in support of the program.
A guardian 'angel'
Foster care has been a blessing for the family of Hundt, who suffered a stroke shortly after his wife died and was unable to care for himself. Hundt’s daughter, Kimberly Malczewski, lives nearby and often stops in to visit her dad, sometimes with her 2-year-old son.
“I’m not sure where my father would be if he didn’t have this,” she said. “With my life situation — my husband and I both work full time, we have no extra room in our house, and we have a small child — I can’t take care of him the way Miss Joann does.”
Trimble, whose program started in 2012 and has five homes, said she hopes to expand by two to three homes a year. VA will remain meticulous about selecting homes.
“There is a strict inspection and vetting process to be a medical foster home,” Trimble said. “We only will accept the best.”
It also takes a special person to be an “angel,” as the caregivers are referred to in the program’s motto, “Where Heroes Meet Angels.”
Stepney and Hundt agree West has earned her wings. On a recent cruise to Bermuda, she brought Stepney and Hundt along.
For Hundt, it was the first time he’d been on a boat. And Stepney said it was nothing like the transport ships he and his fellow troops used in the late 1960s: “Well, I’ve gotten to travel, but it was mainly two years in Vietnam, and there weren’t any women around.”
When asked why she brought the pair along, West said caregiving is “a ministry, something you really have to like to do.”
“And you know how the saying goes,” she said. “When you like what you do, you never work a day in your life.”
Kime reported this article for Kaiser Health News, a nonprofit news service and an editorially independent program of the Kaiser Family Foundation. KHN’s coverage of aging is supported in part by the John A. Hartford Foundation and the Scan Foundation.