Assisted Living Facilities
Assisted living facilities vary widely, and it’s important to find one that feels friendly and welcoming. But don’t place too much importance on surface appeal-the real key is to make sure that the people who live there are happy.
Ask potential residents and their families for recommendations. Also, visit the facility and see if it feels right to you.
assisted living facilities
Assisted living facilities are a safe and affordable alternative for seniors who cannot live alone at home anymore. They offer daily housekeeping, meals and transportation services. They also provide social activities to help keep seniors engaged and prevent them from becoming isolated. These activities include book clubs, fitness classes, and art classes.
Residents pay a fee for their living space and an additional monthly charge based on the level of care they need. Some of the most common services provided include medication management, help with bathing or dressing, and assistance moving around.
Assisted living communities also screen potential residents to ensure they are healthy and do not pose a threat to the safety of other residents. This provides peace of mind to caregivers and family members.
does medicare pay for assisted living
While the Assisted Living Program does not cover the cost of room and board, it does provide financial assistance to offset personal care services in participating residences. Persons seeking this assistance should contact their local Social Service office or Medicaid planning professional for details.
Unlike Medicare Advantage plans, which offer standardized benefits with premium rates that vary by plan provider, Medicare Supplemental Insurance or “Medigap” does not cover the cost of assisted living. However, these plans may help pay for other health care expenses you would normally incur while living at home, such as prescription drugs.
Depending on your state’s resource allocation rules, you might be eligible to receive assistance paying for the cost of assisted living through your local Medicaid program or a community-based waiver. Our free tool can connect you with options, advice and next steps based on your unique needs.
how much is assisted living
Assisted living is usually expensive, but it can be less than paying for home care. Many seniors are able to pay for the cost of assisted living from their personal savings or long-term care insurance. Medicaid may also cover some expenses for those who qualify.
Typically, assisted living communities charge a monthly rent plus a fee for services based on an assessment of the resident’s needs. These fees can include assistance with daily tasks, medication management, and other support. Some communities also have on-site healthcare and pharmacy access, but these amenities are typically optional and will cost extra.
When choosing a facility, consider the amenities that are offered and the quality of life for residents. Schedule visits to get to know the staff and residents.
who pays for assisted living
Many assisted living residents pay for their care from personal resources (private pay) or with help from the limited coverage provided by long-term care insurance. Adult children often help with costs, as well. Many states offer home and community-based waivers that can help low-income seniors afford assisted living. Contact your state Medicaid resource to learn more.
People who wish to use Medicaid funding for their assisted living may want to consider working with a professional to explore creative ways to structure assets to meet program requirements. New York’s Assisted Living Program has limited spaces and participants are sometimes placed on a waitlist for participation. Many residences also provide free scheduled transportation to local shopping, dining and events. In addition, they offer fitness opportunities, such as group exercise classes and personalized training sessions with a personal trainer.
assisted living vs nursing home
Assisted living is an option for seniors who require some help with daily tasks but don’t need the round-the-clock medical care provided in a nursing home. Also known as residential care or board and care, assisted living facilities offer a safe environment where residents can enjoy social activities.
Unlike nursing homes, assisted living communities don’t require physician referrals or a formal assessment to admit potential residents. However, it is a good idea to consult with a healthcare provider or financial advisor before making a final decision.
During your visits to an assisted living facility, ask about their suggestion and complaint procedures and whether they have resident and family councils. Also, be sure to carefully read the contract before signing. It should list all fees, services included and your legal responsibilities.
