Assisted Living Facilities
An assisted living facility can provide much-needed support when a senior’s family or in-home care isn’t enough. However, there is considerable variation among these residences.
Before making any commitment, you should visit several facilities. Ask to sit in during activities and meal times, and talk to staff and residents.
assisted living facilities
Assisted living facilities offer a safe and secure environment for seniors to live. They promote physical fitness and provide a variety of social activities to help keep seniors active and happy. Assisted living residences are usually designed to accommodate wheelchairs and walkers, with wide doorways and halls. Some also feature group fitness classes and personal trainers to encourage physical activity.
Most facilities offer a case manager, coordination of health care services by outside agencies, and assistance with medications and/or personal care. The staff of an assisted living facility will develop an individualized service plan for each resident, which is reassessed regularly. This helps families know that their loved one’s needs are being met. It also gives them peace of mind, knowing that their elderly loved ones are safe and in good hands.
does medicare pay for assisted living
As you consider assisted living for a loved one, it’s important to understand how the costs will be paid. Original Medicare doesn’t pay for this type of care, and most long-term care insurance policies don’t either. However, some people can get financial help from their state Medicaid program or a home and community-based waiver. Veterans can also receive assistance from the Department of Veterans Affairs’ Aid and Attendance benefits.
The majority of states provide Medicaid assistance for residents who meet income eligibility guidelines. However, these programs typically don’t cover the room and board part of assisted living costs. Some individuals may purchase long-term care (LTC) insurance to help cover these expenses. These types of policies must be purchased before you need them and typically cost between $1,700 to $3,100 a year.
how much is assisted living
Some families pay for assisted living out of their own funds, including personal savings, pensions and retirement accounts. Others may draw on health insurance or home equity to help cover the cost of senior care.
Many communities base their pricing on the level of care, which means that those with more needs will pay more. This is an important factor when running the numbers.
It’s also a good idea to look at other options, such as a roommate, which can cut costs by 10 to 20 percent a month. Some residences even offer two-bedroom apartments, which can save your loved one money without sacrificing their comfort or social interaction. A great way to gauge a community’s affordability is to tour it and talk to the administrators, staff and residents.
who pays for assisted living
Assisted living fees vary by facility, and can be expensive. Fortunately, there are ways to help cover the costs.
Some senior residents have the option to receive assistance from Medicaid through their state’s Assisted Living Program (ALP). This is only available to individuals who need nursing home care and have income levels below a certain amount.
Assisted living communities also offer a variety of care packages that range in price from basic to full service. In some cases, these packages include utilities, housekeeping, and laundry services. Some communities charge a flat monthly package while others calculate their charges according to the amount of time a particular service is used. Private long-term care insurance may cover some or all of the costs. This varies by policy.
assisted living vs nursing home
Assisted living communities focus on keeping residents socially engaged and independent, while nursing homes provide around-the-clock medical care. It is important to understand what each type of facility offers so you can choose the right option for your family.
If your loved one is having trouble staying safe at home, or is experiencing a worsening health condition, an assisted living residence may be the best choice. Ask the community’s staff about their services, including what types of help are available for bathing and getting dressed, preparing meals, laundry, shopping, and transportation. Some facilities also provide medical services, such as X-rays and bloodwork. They may even be able to administer medication. They are generally less expensive than a nursing home. They can offer short-term care, with the first 21 days covered by Medicare.