If you ask any person where he or she wants to live, the answer will almost always be "at home." Unfortunately, aging can make remaining at home a challenge, and often impossible. Fortunately, options exist in most areas, and the time to begin exploring them should take place sooner rather than later.
Approximately 16 million families now find themselves deciding between caring for their children and their aging parents. When it becomes unsafe or untenable for aging loved one to remain at home alone, the process of finding an alternative can feel overwhelming. Whether you're looking for housing options or supportive care for your loved one, there is help available.
Home Health Care
For those able to safely stay in the comfort of their own home, Home Health Care is aviable option. Care providers visit the home to help with daily living activities such as bathing, dressing, and meal preparation. Home Health Care, sometimes referred to as In-Home Personal Care or Home Care Aid, also provides the needed human interaction that helps seniors feel less lonely.
Services may be contracted privately or through Medicare, Medicaid or local or state elderly assistance programs. Home Health Care rates range from $20 - $40 per hour.
Respite Care, also referred to as Short-Term Stay Programs or Adult Day Care, is a time-limited option. Respite Care is there to help ensure your loved one receives the care and attention he or she needs when you are unable to provide it. Some use it to "take a day off" or go on vacation. Respite care can also provide a temporary care solution while you search for the right setting for longer term care.
Respite Care costs can be covered privately or through Medicaid with prices averaging $75 - $150 per day.
Independent Living Communities go by many names, including Retirement Communities, Retirement Villages, Congregate Care, Senior Apartments and Continued Care Retirement Communities. These communities cater to individuals who are able to live independently with no need for medical assistance. The main attraction for many is the sense of community provided and the security of access to future medical care if it becomes necessary. Many Independent Living Communities offer transportation assistance, activity planning, group trips and more to keep you or your loved one active and engaged!
Moving to an Independent Living Community can be paid for privately, although some people may find government funding through Section 202. The average price range for Independent Housing runs around $1,500 - $3,500 per month depending on the community and services offered. Smart shopping is the key.. Pricing can include a refundable upfront deposit along with monthly maintenance fees. Rental programs are another popular option; however, they may come with a la cart services and fees on top of the rental costs. Doing the extra research is important.
Assisted Living Communities, otherwise known as Assisted Care Communities or Personal Care Homes, are designed with both caregivers and seniors in mind. When an individual can no longer live on their own independently, Assisted Living will provide assistance with daily activities, from meals to medication management. Unlike Independent Living settings, Assisted Living staff are able to provide medical support and care.
The price range for Assisted Living Housing fluctuates depending on the size of the living space and an individual's 's level of required assistance. If you are considering an Assisted Living Community, expect the cost to fall between $3,000 - $6,000 per month. Some insurance plans do help with assisted living and memory care, but most are paid privately.
Skilled Nursing Communities
Depending on your loved one's long-term or short-term needs, Skilled Nursing Communities, also referred to as Nursing Centers, Convalescent Care, Nursing Homes, or Long-Term Care Facilities, may be the best fit. When around-the-clock care from a skilled medical professional l becomes necessary, Skilled Nursing teams can provide individuals with the medical care and encouragement needed to meet goals. Whether your loved one is recovering from a stroke or needs cardiac care, Skilled Nursing will provide personalized attention to help keep your mind at ease.
You can pay for a loved one's Skilled Nursing Housing privately or through Medicare or Medicaid. However, not all individuals qualify for Medicaid, and not all communities accept this form of payment. So be sure to ask. It's also important to note that applications for Medicaid should be made at least six months ahead of a projected admission date. The monthly price range runs from $6,000 - $9,000 per month depending on the community and the therapies offered.
MRC Offers All Your Options
With so many options to choose from, it is important to do research to find the best fit for you and your family. If you have any questions, the MRC team is happy to help answer them, schedule an assessment, or discuss payment options. Contact our team today by calling (281) 363-2600 or filling out our contact form.