What Happens When a Nursing Home Closes?
A nursing home closure can be traumatic for residents who are forced to move. Although there may not be much that can be...
Read moreWhile many older adults prefer to stay in personal or family homes as they age, it may not be feasible. Long-term care in a nursing home may be the best option for those who require continuous assistance with persistent conditions such as dementia.
As the quality and offerings of nursing homes vary, choosing the most suitable facility for your situation is crucial. Finding a facility that best fits your needs may require research to determine the right options.
One important factor to reflect on when exploring your choices is the expense. Genworth’s 2023 Cost of Care Survey revealed that the median price of a semi-private room at a nursing home was $8,390. For an individual room, the median monthly fee was even higher at $9,584.
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Private nursing home insurance may cover some or all of the cost. Although Medicare includes medical care for nursing home residents and short-term care in a skilled nursing facility, it will not provide long-term care.
For those on Medicaid, the program covers the total nursing home fees. Medicaid recipients need to consider whether the facility accepts Medicaid. Individuals who plan to enroll in Medicaid once they become eligible might consider selecting a Medicaid-approved facility to make the transition easier.
The American Council on Aging's online search tool allows users to find facilities that accept Medicaid, Medicare, and Veteran's Health Benefits.
In addition to cost, those looking at nursing home options should compare the services available across facilities. Some nursing homes have specific care for individuals with memory challenges, for instance.
Nursing homes typically offer activities, such as outings, and amenities, like a recreation room, gym, and television. Assess whether the facility provides transportation to doctor’s appointments and the quality of the meals.
Rather than focusing on the range of services available, consider whether the nursing home’s services fit your unique needs. Those with beloved pets might consider whether the facility allows pet visits. Spiritual individuals might want to verify that the facility provides access to religious services. Memory care units might be a necessity for those with dementia.
Moving into long-term care is often stressful. Choosing a nursing home close to your hometown, family, or community can help ease the transition. When the nursing home is nearby, loved ones may visit more easily and frequently, providing essential social support.
To evaluate the quality of nursing homes in your area, try Care Compare, which rates nursing homes out of five stars. Care Compare offers ratings for staffing, health inspections, and quality measures.
The staff-to-patient ratio and the turnover rate are the basis for the staffing rating.
The results of health assessments inform the health inspection rating. Recent health inspection results are available for review, as well as the number of complaints against the facility.
Quality measures include assessments that reveal the nursing home's grade of care. For long-term care residents, low rates of hospitalizations and emergency room visits suggest superior care.
U.S. News & World Report also assesses nursing homes near you, providing ratings for short-term and long-term care.
Medicare.gov recommends that those looking into nursing homes visit tour facilities with a trusted loved one before making a decision.
Consider the facility’s state, such as whether it is well-lit and accessible. Evaluate the helpfulness of the staff. Do not hesitate to ask questions, and write down any additional questions after the visit and follow up.
To learn more about choosing a nursing home, review Medicare.gov’s guide.
Find an elder law attorney near you for further guidance.
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Read moreIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MOREIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
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