Types of Senior Living Typically Available

 

 INDEPENDENT LIVING    COMMON REFERENCES    PAYORS
           
Independent Living for seniors offers the ability to maintain an independent residence and lifestyle. Seniors who may consider Independent Living are able to care for themselves, want to live independently in a seniors-only environment and are able to communicate with doctors and caregivers by themselves or with the help of family or friends. You will typically find studio, one bedroom and two bedroom apartments, all with full kitchens and private baths. Services may include meal plans, transportation, housekeeping services, laundry and maintenance of the apartment. Amenities usually include libraries, computer stations, gardens, outdoor patio areas, activity rooms, social community areas and more.   Independent living is commonly referred to as retirement communities, retirement homes, senior apartments and independent living communities.  
Private pay
 
 
           
ASSISTED LIVING COMMUNITIES   COMMON REFERENCES   PAYORS  
           

Assisted Living Communities are for seniors needing help with Activities of Daily Living (ADL) such as eating, bathing, dressing, walking and assistance with medications but wish to live as independently as possible. Seniors who may consider Assisted Living are no longer able to live completely independent but do not require constant care. Assisted Living is a level of care between Independent Living and skilled nursing and offers 24-hour care and supervision for those who need assistance. You will typically find studio, one bedroom and two bedroom apartments, all with private baths, with most including a small kitchen without stoves. Assisted Living communities provide a service plan (including medication management) for each resident based on the level of care that is needed. Service plans are updated regularly to assure that the resident receives the appropriate level of care as his or her condition changes. In addition to the service plan, laundry and housekeeping services, all meals, transportation and a variety of social and peer activities are included.

  Assisted living communities are commonly referred to as retirement communities, retirement homes and assisted living communities.  
Private pay
Long-term care insurance
Medicaid
 
           
ASSISTED LIVING HOMES   COMMON REFERENCES   PAYORS  
           

Much the same as an Assisted Living Community except in a private residential home or cottage housing approximately 10-15 residents. Assisted Living Homes are staffed by licensed caregivers in their county or state. Caregivers provide resident supervision and assistance with activities of daily living such eating, bathing, dressing, walking and medication management. Housekeeping services, meals, transportation and activities are also included. Residents typically occupy their own private or shared bedroom. Common areas are used for entertainment, socialization, dining and other activities. Assisted Living Homes provide an environment for residents who prefer a small, home-like setting.

  Assisted living homes are commonly referred to as retirement homes and Assisted living care homes.  
Private pay
Long-term care insurance
Medicaid
 
 
           
MEMORY CARE   COMMON REFERENCES   PAYORS  
           

Memory Care units are a type of assisted living with 24-hour staffing, a higher level of security to protect wanderers and structured programs to meet the needs of people with Alzheimer's and dementia. Resident safety is a primary concern and memory care communities are designed to restrict residents from leaving the area unaccompanied. These communities are staffed by specially trained personnel who provide care, personalized attention and a structured routine. Rates vary from all-inclusive or rent plus rates assessed for the levels of care provided. Resident units are bedroom styled apartments with common areas for dining and activities. Service plans are updated regularly to assure that the resident receives the appropriate level of care as his or her condition changes. In addition to the service plan, assistance with Activities of Daily Living (ADL), laundry and housekeeping services, all meals, transportation and a variety of social and peer activities are included. Memory care is provided as a free standing unit or part of a multi-level senior care community.

  Memory care is commonly referred to as Memory Support for Alzheimer's, dementia, and similar cognitive diseases.  
Private pay
Long-term care insurance
Medicaid
 
           
SKILLED NURSING CARE   COMMON REFERENCES   PAYORS  
           

Skilled Nursing Facilities (SNF) provide 24-hour nursing care to those who are chronically ill or injured or have special health care needs and are unable to function independently. This level of care is typically found in a nursing facility or a transitional care unit in a hospital and care is provided by a licensed nursing staff. SNF's typically include a furnished private or semi-private room with a private or shared bath. Meals, activities, transportation, phone service, cable television and all personal and nursing care is included. SNF's provide rehabilitation services and offer continuing care on a short or long term basis depending on the needs of the resident. Skilled Nursing Facilities may be free standing units or part of a multi-level senior care community.

  Skilled Nursing is commonly referred to as nursing homes or long-term living centers.  
Private pay
Long-term care insurance
Medicare(A)
Medicaid
VA
 
           
   

PAYOR (Payment method) DEFINITIONS

 
   
PRIVATE PAY -  refers to funds derived from personal finances. Resources are available to structure and stretch income and assets as far as possible.  
   
MEDICARE - A government health insurance program that provides hospital insurance. Most seniors do not pay a premium for this coverage. Medicare(A) covers inpatient care in skilled nursing facilities, critical access hospitals and hospitals. Home Health and Hospice services are also covered by Medicare(A). Home Care (non-medical) are not covered by Medicare.  
   
MEDICAID - A program funded by the federal and state governments which pays for medical care for those who can't afford it. The program typically helps low-income individuals or families, as well as elderly or disabled individuals. To receive Medicaid, an individual must meet certain requirements (such as income level and personal assets) and must go through an application process. Although all states participate in the Medicaid program, each state manages their own program and is able to set different requirements and other guidelines. Not every community, or every residence within a community, is Medicaid certified.  
   
LONG TERM CARE INSURANCE - A type of insurance developed specifically to cover the costs of assisted living, memory care, skilled nursing and other long-term care services. Specific coverage is defined by the provisions in the policy. A typical requirement is for the insured to need assistance with at least two Activities of Daily Living (ADL's).  
   
VETERAN'S BENEFITS - The Veteran long-term care benefit program assists veterans or a veteran's spouse with long-term care needs. Services must be provided by a VA approved facility and veterans must meet program eligibility requirements.  
   
VA AID & ATTENDANCE - A VA program that provides monthly income to veterans or surviving spouse. To be eligible, the veteran must have served a minimum of 90 days on active duty with at least one day during a wartime period.

 

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