There is a lot of thought put into finding an assisted care facility for your loved one. It can be scary to relinquish the care of your family member to someone else that you don’t know.
On top of making sure they will continue to be happy and healthy, you need to be sure that they will be well taken care of and comfortable in their new environment.
Finding a caring long-term home may be difficult but paying for it can be even more of a burden, especially if you haven’t budgeted for it.
Will Medicare or Medicaid cover any of the costs? More importantly, will it at least help cover the costs of a facility that is acceptable to your family?
Read on to learn what Medicare or Medicaid covers.
Assisted Care Costs
On average, assisted living care in the San Diego area runs around $42,000 per year. In some instances, this may be affordable. Still, you need to be aware that there might be other costs associated with the facility.
Some of these costs might be because the facility does not have an inclusive price for the level of care that your loved one needs. That level of care may include medication management.
How to Afford Care
The next step is to look into Medicaid, as it may offer some reimbursements. It likely won’t cover everything, but it might at least help.
Additionally, there are a few possible solutions to the issue of cost. The first is to check into assisted day care facilities that offer a sliding scale based on income, especially if there is a lower level of care needed.
Another possibility to consider is Social Security Insurance (SSI.) Again, this may not cover everything, but you can put it towards a portion of the cost of care.
Long-Term Care Insurance is a possibility for your loved one depending on the level of care they need and their current health situation. Although policies may be expensive, they can provide more coverage than Medicaid or Medicare and aid in multiple types of arrangements.
The Plan and Action
Again, moving mom, dad, or any loved one into an extended assisted care facility can be a tough and scary decision. You may not want them to feel forgotten about or as if they are less loved.
You also may worry about the level of care they will receive and if it will be up to the standards that you have set while helping them in their aging years. There is also the adage of “you get what you pay for.”
You don’t want the cheapest care, but you also don’t want to go bankrupt in the process. It’s understandable that you would want to find the right balance.
The best way to ensure your family is getting what they need for a fair price is to do your research. Residential care homes should be included in your search as they offer individualized care and a comfortable, intimate setting.
Contact us if you would like to see what we have to offer your loved one.
Mary Katherine’s Homes offer exceptional resident-centered services, delivered by staff trained to promote independence, allow freedom of choice and protect the privacy of each resident.