Assisted Living Facilities
Many elderly people have difficulty living alone and are at risk of loneliness, which can have serious health consequences. Fortunately, assisted living facilities can help with this problem.
Visit the residence at different times — for example, during activities and mealtimes. Do residents seem happy and engaged? Are staff members attentive and welcoming?
assisted living facilities
When a loved one’s health declines, it can be difficult to care for them at home. Assisted living facilities provide meals, housekeeping, transportation, and security to help with everyday activities. Some also offer exercise and wellness programs to improve balance and strength.
Assisted living facilities are regulated by state and federal agencies. When choosing a facility, ask about its license and check the agency’s website for complaints.
Ensure that the facility is well-equipped to handle emergency situations. Among other things, this includes having trained staff and a plan for responding to medical emergencies. It is also important to visit the facility and talk with residents and administrators. The National Center for Assisted Living recommends visiting several times and taking your parent with you when possible.
does medicare pay for assisted living
Traditional Medicare doesn’t pay for assisted living costs, but it does cover short-term stays in a skilled nursing facility as part of physician-prescribed rehab. Those who live in an assisted living facility may also be eligible for federal financial assistance through Medicaid, which is available on a state-by-state basis.
Private Medicare Advantage plans (also known as Medicare Part C) can help with some long-term care expenses, but they still don’t pay for assisted living. These plans typically offer copayments, deductibles and other restrictions.
Many seniors rely on their personal assets, savings and other sources of financial assistance to pay for the cost of assisted living. Some use long-term care insurance, while others finance their stay using a reverse mortgage, life insurance options or annuities.
how much is assisted living
Assisted living residences typically charge based on the level of care required. The lower the level of care, the less the monthly cost will be. However, some facilities may have a flat rate that includes all services. Some may also have a service level assessment to determine a resident’s specific needs.
If you are searching for an assisted living facility, make sure to visit the facilities that interest you and tour each one. Ask lots of questions, and bring your loved ones with you. It is a good idea to take notes.
Many families will need to use a combination of sources to pay for an assisted living facility, such as savings accounts, investment vehicles, home equity, and other family contributions. Some will consider selling a home to free up funds for assisted living or other elder care.
who pays for assisted living
Assisted living is an option for people who need more care than family and friends can provide, but do not require the level of medical attention offered in a nursing home. Residents are assessed before moving in, so their care plans can be tailored to meet their needs. Services may include help with bathing, grooming and eating. Transportation, meals and housekeeping are typically included in the cost.
Many long-term care insurance policies cover assisted living, but Medicare does not. Families who need financial assistance can explore Medicaid programs, which are available in most states. A Medicaid planning professional can help families creatively structure assets and income to qualify for benefits. Some veterans may be eligible for the Aid and Attendance benefit, a supplement to their VA pension.
assisted living vs nursing home
While assisted living provides the safety of 24-hour care, it also allows residents to enjoy their independence and privacy. Some communities offer memory care units for people with Alzheimer’s and other dementias, as well as facilities that specialize in serving people with certain medical conditions. Most private health insurance and Medicare do not cover assisted living, but long term care insurance may pay for it if you have one.
Nursing homes have a more hospital-like feel and typically provide a greater level of medical attention. They often include services such as meals, transportation, and activities. They can also act as a bridge between hospitals and home for short-term respite stays. Many families choose nursing homes for their loved ones who are recovering from surgery or an illness.