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Assisted Living vs. Other Senior Residences

What is the difference between assisted living and independent living?

For seniors with health or mobility issues requiring more support, assisted living facilities offer services such as medication management and assistance with personal activities such as bathing, grooming and dressing. Services generally include meals, housekeeping, laundry and transportation. Activities that promote mental and physical stimulation and social engagement are central to assisted living activities. Independent living is for seniors who want to leave home and yard maintenance behind and are looking for a community of other people their own age.

What is the difference between assisted living and memory care?

While people who are otherwise independent but need help with daily activities are the focus of assisted living, memory care is one type of support for people diagnosed with mild or moderate stages of the disease. Alzheimer’s disease or dementia. Some memory care residents can live fully with support, such as that provided in an assisted living environment, while others may need specialized care that is best provided in a setting specifically designed for people with cognitive abilities. .

The assisted living facility provides supportive care based on individual needs, with a personalized care plan to provide a range of services including: medication management, personal care and daily living assistance, a nutritious meals and an enriching activity program.

Memory care for people with dementia involves more focused assistance with memory, judgment, processing, and communication skills. Memory care facilities will also have specially trained staff to provide cognitive stimulation and a safe environment for residents who can easily get lost.

What is the difference between assisted living and home care

Home care can be a good choice for seniors who need daily help but still feel like they have a good quality of life. Assisted living may be the best option when someone needs more than four or five hours of home care per day. The biggest difference between the two types of care is cost, so depending on where you or your loved one fall in terms of need, you can make your decision.

How much does assisted living cost?

The cost of assisted living can be a barrier for many families. Each state differs in how they administer assisted living facilities, and cost ranges can differ significantly from region to region.

Additionally, depending on the level of care required and the specific services purchased, the monthly cost of entering an assisted living facility can vary wildly, with a common monthly range of $4,500 to $6,500.

A 2020 Genworth Financial survey found that the median annual cost of an assisted living community in the United States was $51,600 per year, compared to $48,612 per year. It can be difficult to predict how long you will need to live in such a facility, so you will need to budget your retirement savings carefully.

One factor to consider is whether the person can financially afford to stay in assisted living for the long term. Most assisted living facilities are privately paid for through savings or long-term care insurance and when the funds run out they are asked to leave. Families should ask if there is a reduced rate or if Medicaid is accepted.

Does Medicare or Medicaid pay for assisted living?

Medicare and most private insurers do not cover the cost of assisted living, although you can find long-term care insurance plans that will cover some of the cost of these facilities.

In some cases, Medicare, which is a government-funded national health insurance program for adults over 65, may cover the cost of certain health care expenses incurred while you live in an assisted living facility. such as wound care. administered by a registered nurse or doctor, but does not cover the cost of the assisted living facility itself.

Medicaid is a federal program funded by the states and the federal government. It is administered by the states and covers nearly 77 million people in the United States, including: low-income adults, children, pregnant women, seniors, and people with disabilities.

A limited number of assisted living facilities in each region participate in the Medicaid program. Each state determines a fixed number of assisted living beds that can participate in the program.

The bottom line: Assisted living can be expensive, and you’ll need to find a way to fund the cost of assisted living over a potentially multi-year stay.

Advice on assisted living