Assisted Living Centers, also referred as residential care, is a kind of living arrangement where personal and essential services for daily living is provided, especially for seniors. It also provides the emotional aspects needed such as security, feeling of belonging, and comfort. This is not similar to nursing homes. The main difference is that assisted living creates independence by letting residents live under normal residential settings.
When Moving a Parent
Deciding to move a beloved elderly parent into an assisted living is difficult. If you already made up your mind, then there are two certain things you need to consider before pushing through:
The charge for services varies, depending on location and type of care. Private Assisted Living centers range from $800 to more than $5, 000 a month. Add-ons that may need to be covered are medications, laundry service, security, and transportation. Comparing fees with different facilities can help you find the best option. Also, make sure to notice how often a facility raise their prices.
Now, who will pay for the cost? Medicaid pays for the services in assisted living centers, except for room and boarding. Not everyone can benefit this though, Medicaid does not cover those who have assets more than $2, 000. Overall, Medicaid can only pay less than 11% of the total cost.
As for Medicare, excluding those under Supplementary Security Income (SSI), more than 90% of the total cost will be paid by individuals or families. They will not pay for housing except for those who are mentally retarded and developmentally disabled.
Cost for assisted living may be cheap for those who have insurance. Depending on age, you can only pay 3-8% out of pocket cost for a three-year stay.
Local and national referral services exist in helping you decide where to find a good place for the elderly to live. The Department of Human Resources in every state can provide a list of public services. Private referral services can be of great help as well.
Shop around and visit as many residences as you can. Know what you need and find out if they can cater those. Better to talk to staff, residents, and other family members to know the current situation of the place.
Assisted living center are not cheap, so be ready for it. Also, since you are entrusting the lives of your beloved ones, make sure you find the best one you can find. So, take time in knowing these facilities. Once you have these two factors figured out, moving your parents would not be as difficult.