Paying for Assisted Living | Senior Care

Caregivers get Facts About Senior Care Before Assisted Living

Paying for Assisted Living

Medicare and Skilled Nursing and Rehabilitation

A Medicare Patient has to have a minimum length of stay of three  midnights in order to be considered for a skilled nursing and rehab evaluation after a health care setback.

Medicare covers up to 100 days during Skilled Nursing and Rehab stay.  Expect daily rates if you are a private pay in a skilled nursing and rehab facility about $450 a day not including rate for physical therapy.

Medicare and Assisted Living Facilities

Expect to pay no less than $3000 a month for Assisted Living Care Community.  Care increases based on care level required. Medicare does not pay for Assisted Living.

Alternative to Assisted Living Placement – Home Care Services

Private Duty Home Care is non medical home care services.  Assistance with daily living such as bathing, dressing and transferring can be provided with a licensed home health aide.   A nurse registry or home care agency can fulfill this need.  Caregivers can expect to spend anywhere from $15/hour through a nurse registry or $22/hour through a home health care agency for this licensed caregiver.

Skilled Nursing Care at Home

Medicare Home Health Care Services may be ordered after a doctor’s visit, upon discharge from a hospital stay or skilled nursing and rehab center.  The ordering doctor must have had a face to face encounter with the patient in need of home health and patient must be homebound.  Homebound is a taxing effort to leave the home.  There is no co-pay or out of pocket expense for skilled nursing care, home physical therapy, home occupational therapy or speech therapy.

Medicaid and Assisted Living Cost

Some States Medicaid Help Pay for Assisted Living.  Be sure to contact your local area agency on aging to find out if your State offers assistance.

Aid and Attendance for Veterans for Non Medical Home Care or Assisted Living Placement

If you are a Veteran and/or widow of a Veteran and had served active duty during defined time, you may qualify for Aid and Attendance.  This is a non combative pension benefit that veterans can use to help pay for non medical home care, assisted living services and nursing home care.

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