Affordable Insurance EZ

The cost of living in a particular area, facilities’ onsite amenities, and extent of services provided help dictate costs as you would expect. The cost of Assisted Living across the country ranges from $1500 to $5000 monthly with the average probably somewhere around $2500-$3500 per month. These statistics and following information are based on my personal experiences as a Nursing Assistant researching various facilities for families in need of housing and or Nursing Assistants care for their aging loved ones. The general monthly rent also depends on whether the accommodations are semi-private or private rooms, suites sharing bathrooms, studios with or without kitchens and one, two, or three bedroom apartments. Actual square footage, room location i.e. distance from dining room, and desirable views may be cause for further price variation within a certain care center. The monthly rent is actually considered as room and board with daily meals provided, in addition to housekeeping, laundry and transportation services. Be sure to know whether 1, 2 or 3 meals are served, whether every day or just certain days of week and if snacks are offered.

Admitting, entry, community, endowment or buy-in fees all refer to the possible up-front money that may be required prior to moving in. Although many of the Continuing Care Retirement Communities (CCRCs) or Life Care Communities still commonly require these fees, it seems to be less popular in recent years. Monthly rents in CCRCs are comparable to those in Assisted Living Facilities when the entry fee does not apply. The Assisted Living and in-home Nursing Assistant element of these communities offering the continuum of Nursing Assistants care is very attractive to many, but frequently less available then 55+ community accommodations.Assisted Living or in-home Nursing Assistants is very attractive to many but most of the time less available then 55+ community accomodations. I have found it to be difficult to enter at the Assisted Living level of nursing assistants care as priority is given to in-house 55+ community residents who are waiting. If this type of community appeals to you, be sure to plan ahead and have a professional financial or legal advisor review long-term care contracts..

Make sure you don’t get fooled by thinking you’re done after paying the base rent Most Assisted Living Facilities or in-home Nursing Assistants care have some structure for different levels of care established with a corresponding fee schedule. The levels of care might be described as minimal, moderate, and maximal or as care assist and care enhanced. A care center might use a numeric system from 1 to 3 or 1 to 5 based on a the number of Activities of Daily Living (ADLs) a person needs a Nursing Assistant with. For example bathing, grooming, dressing, and medication monitoring.This can include a certain amount of care in this base rent limited to about 30 minutes daily. Others who ascribe to a point system where the Nursing Assistant assessing the resident subtracts points for his or her care taking. Regardless of the facility’s practice, it’s important to understand this particular method of assigning levels of care with fee increments of $300-$400 for each level can add up to $2000 additional monthly costs. It is in the facilities best interest to be forthcoming in explaining their fee structures thorougly so patients won’t be set for any surprises. Most facilities have additional fees for medications, personal hygiene and medical supplies.

Keep in mind that the monthly rent for most facilities includes utilities except for phone and perhaps cable TV. Remember you will no longer have the financial burden of homeowner’s insurance, property taxes, home maintenance and repairs. But have the convenience of the care of a Nursing Assistant.