•
Residential or Personal Care Facilities
This type of facility is a great option to a
Nursing Home. There is an average of 3
patients to 1 care giver. (a Nursing home
is typically 12 to 1)
**Another thing to consider is that this type of
care, in the long term, is cheaper than a
nursing home.
These types of facilities are residential-type homes licensed to care for a relatively small number of clients who are usually able to care for themselves but need protected environment. These facilities provide their assistance with their basic needs such as room and board laundry, cleaning, and assistance with the taking of medications, bathing, and dressing.
•
Assisted Living Facilities
are facilities that assist nearly independent seniors with certain daily activities such as taking medications, bathing, or dressing. These facilities can be free standing or part of a Retirement or Nursing Facility.
•
Acute Care Hospitals are facilities that provide immediate and emergency care. Hospice services for the terminally ill patient.
•
Continuing Care Retirement Communities are designed to offer active seniors an independent lifestyle away from there home. The community offers them access to coordinated activities, dinning, and health care when and if a need arises and is needed. These facilities are often referred to as facilities for life, because of the opportunity for a coroneted care provided by or within one
community.
•
Long Term Acute Hospitals are types of facilities that offer medical and rehabilitation care for those patients with needs to acute to go home or to a nursing facility, but still require care following a regular hospital stay. These facilities provide medical treatments and therapies that most nursing facilities are
unable to provide.
•
Nursing Homes (Nursing Homes, Facilities, Convalescent Homes) are
typically facilities that provide 24 hour nursing cares well as room and board, meals, activities, assistance with daily living, social services, therapies, medication administration and protective supervision.
•
Rehabilitation Facilities are available for those patients who need intensive, occupational, and speech therapy on a short-term basis. Most freestanding
Rehabilitation facilities have strict admission criteria being able to withstand at least 3 hours of therapy per day.
•
Retirement Communities are designed for those who are independent and who choose to live in a community with other seniors. These facilities typically offer amenities like organized social programs, meal service, transportation, daily activities, and access to health and shopping facilities, but they usually don't offer any nursing care services.
•
Skilled Nursing Units are typically located within a long-term care facility or an acute care hospital and are equipped to care for residents on a short-term basis who have a higher medical and nursing need. |
I don't know how I will pay for a long-term
care. What are my options?
There are various ways of paying
for senior housing and long-term care. The
following information is here to give you a
better sense of the options available.
Private Pay:
Private pay simply means using your income
and resources to fund the cost of your care.
Long-Term Care Insurance:
Long-term care insurance covers extensive range
of services such as home care, assisted living
and various types of facilities like personal
care homes, assisted living facilities and
nursing homes. By purchasing this type of
coverage, the risk is transferred from you to
the insurance company. The premiums are based
on age and health status and your policy can be
customized to meet your needs.
Medicare:
Medicare is an insurance program. Medical bills
are paid from trust funds, which have been paid
into by those covered. It serves people over 65
primarily, whatever their income; and serves
younger disabled people and dialysis patients.
Patients pay part of cost through deductibles
for hospital and other costs. Small monthly
premiums are required for non-hospital coverage.
Medicare is a federal program. It is basically
the same everywhere in the United States and is
run by the Centers for Medicare & Medicaid
Services, an agency of the federal government.
Medicaid:
Medicaid is an assistance program. Medical
bills are paid from federal, state and local tax
funds. It serves low-income people of every
age. Patients usually pay no part of cost for
covered medical expenses. A small co-payment is
sometimes required. Medicaid is a federal-state
program. It varies from state to state.
Medicaid is run by state and local governments
within federal guidelines. |
