Assisted Living Facilities
Assisted living facilities offer a range of services that can help your loved one remain safe and comfortable. Typically, they provide meals, housekeeping, transportation, security, physical therapy and activities.
When choosing an assisted living facility, ask plenty of questions. Visit multiple facilities and talk with administrators, staff and residents.
assisted living facilities
Assisted living facilities offer housing and assistance with daily activities for older adults who do not need the medical care of a nursing home. They provide meals, housekeeping, transportation, security and social programs.
Choosing the right facility for your loved one can be challenging. It is important to follow a structured, methodical search process and ask a lot of questions.
Ideally, an assisted living facility should feel like home and be comfortable and calming for your senior. It should also be clean and well maintained.
does medicare pay for assisted living
Assisted living is a form of long-term care that combines housing, health monitoring and assistance with daily activities. Assisted living facilities can be found in stand-alone buildings or in complexes with nursing homes and retirement communities.
Medicare does not cover the cost of room and board in an assisted living facility. However, it does pay for the medical expenses that you incur while living there.
Original Medicare, Part A and Part B, and a private insurance company-approved Medicare Advantage plan will both cover these costs, but there may be deductibles and copayments. The specific benefits and limitations of these plans vary from provider to provider, so make sure you choose one that meets your needs.
how much is assisted living
Assisted living is a great option for seniors who need some help with activities of daily living (ADLs). However, costs vary significantly depending on location, services, amenities and level of care.
Currently, the national average cost of assisted living is $4,500 per month. This is 12.6% less than the average price of an in-home health aide.
Assisted living communities offer all-inclusive pricing, which means your loved one’s monthly costs will include things like mortgage or rent, utilities and lawn work. This saves them from paying multiple bills and can be a big financial relief.
who pays for assisted living
Assisted living residents typically pay for their care using their personal resources, such as accumulated savings and pension plans. Alternatively, they can use long-term care insurance.
Medicare and Medicaid are also often used to help cover the cost of assisted living. However, the level of coverage varies from state to state.
As you tour a facility, make sure to ask about pricing and levels of care. This can vary from facility to facility and will be based on the type of assistance your loved one needs.
Assisted living facilities often base their pricing structure on the level of care each resident requires. A person who requires no specialized care and only needs verbal instructions or reminders for their daily activities can be charged less than someone who needs hands-on care, such as bathing assistance or helping with medications.
assisted living vs nursing home
Assisted living facilities provide basic assistance for people who need help with everyday activities, such as bathing, eating, and dressing. They also offer social programs and on-site amenities.
Nursing homes, meanwhile, offer a higher level of care, including around-the-clock medical services and rehabilitative therapy. They also provide a more personal and supportive environment for residents.
Choosing the right type of facility is crucial, experts say, because it determines whether your loved one will get the level of care they need at an affordable cost. Start with your family member’s prioritized needs, then take a close look at all the options available in your area to find the best match.