How Much Do You Pay for Assisted Living?

[Anonymous]

I just did the math. It is costing about $7,500/ month to keep my dad at home right now - and that’s with me staying at his place which is temporary. We pay a caregiver 6 days a week, daily physical therapy, baths two times a week, plus the cost of his apartment and food for the household (me, him and the caretaker). If/ when I leave, we will need to find a caretaker for the 7th day and an overnight person.

[Anonymous]

Anonymous wrote:Please forgive my rookie question: is any of the cost covered by insurance, Medicare, or some other sort of benefit? Is it all out-of-pocket? (These prices are terrifying!)

My mother is 70 with disability issues and dementia. Her full time care is covered by medicare in FL. She gets only $200 cash a month but everything is included. This is in FL. I feel fortunate.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Please forgive my rookie question: is any of the cost covered by insurance, Medicare, or some other sort of benefit? Is it all out-of-pocket? (These prices are terrifying!)

My mother is 70 with disability issues and dementia. Her full time care is covered by medicare in FL. She gets only $200 cash a month but everything is included. This is in FL. I feel fortunate.

Add you sure that isn’t Medicaid?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My mom nursing home is subsidized by Medicaid and runs $3k a month. She needs round the clock medical care due to seizures and a feeding tube. This is not something that can be done at home unless you’re a multimillionaire.

Well, according to a pp, you should just quit your job, tell your kids they are on their own, and stay up 24/7 to care for her.

When should I go to nursing school? Because I will need an actual nursing degree, not the home health nurse level.

Not necessarily. I have a cousin who earned her CNA license while taking care of her elderly parents. The course and practicum are only 80 hours. She learned enough to be able to train the unlicensed personnel she hired to help.

[Anonymous]

Anonymous wrote:I have my mom in Rockville paying close to $8K a month. For a smaller non-profit AL - max 30 people in a neighborhood. She has one room with an adjoining bathroom. She gets 3 meals a day, cleaning, med management, bath twice a week, someone to help her get ready for the day and bedtime, and she has moderate dementia. We are happy with the place and they are loving and caring. I hear Sunrise is much more expensive and they charge for every service and food is not as good.

+1 please share! We may be looking in a few years

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Please forgive my rookie question: is any of the cost covered by insurance, Medicare, or some other sort of benefit? Is it all out-of-pocket? (These prices are terrifying!)

My mother is 70 with disability issues and dementia. Her full time care is covered by medicare in FL. She gets only $200 cash a month but everything is included. This is in FL. I feel fortunate.

Add you sure that isn’t Medicaid?

Right? If this is Medicare, I would love to know how this works.

[Anonymous]

Anonymous wrote:My mom nursing home is subsidized by Medicaid and runs $3k a month. She needs round the clock medical care due to seizures and a feeding tube. This is not something that can be done at home unless you’re a multimillionaire.

Where is this? That sounds crazy low for the level of services you are describing.

[Anonymous]

Anonymous wrote:

Anonymous wrote:My mom nursing home is subsidized by Medicaid and runs $3k a month. She needs round the clock medical care due to seizures and a feeding tube. This is not something that can be done at home unless you’re a multimillionaire.

Where is this? That sounds crazy low for the level of services you are describing.

This doesn't make any sense. Long term care medicaid (not the standard medicaid) pays for nursing home care. It may cost them $3K a month if that is their income/social security and pension as medicaid requires you to hand over all income and you only get to keep under I forget how much but it was under $80 in the past a month. Different states cover different things. Some states like CA offer special programs that pay for caregivers but MD does not.

[Anonymous]

Richmond VA area: large, nice.1 bedroom

rent 5600, including meals, weekly cleaning
medication management 1350 (level A care).
physical therapy on site (but paid separately through medicare/insurance/out of pocket)

I also pay someone between 120-180 week to help my mom with whatever she wants, laundry, showers (my mom is fine taking a shower but she is neurotic), errands, hair dresser. I still do all the doctors appointments.

[Anonymous]

As an aside, we have parents living in an independent living apartment at a CCRC plus 24x7 aide with them. There is severe medical issue that does not allow assisted living plus a lot of dementia. i calculated it costs $500K per year. They have savings and good pensions / investment income. My brother and I were trying to economize on the care and it just didn't work well and we decided we would rather have other lives now versus a big inheritance. Still we visit 4-5 times a week and i can't go on a long vacation.