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Liz Harper

Pricing Structures in Assisted Living

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As seniors or their family members research various assisted living facilities, they will inevitably see statistics showing the average monthly cost of assisted living and other types of care.

These are great tools for getting a ballpark idea of assisted living expenses, but the cost can vary dramatically among different regions, facilities and even among different residents within a facility. Understanding why begins with understanding how pricing works.

Here is a breakdown of the types of fees you can expect:

Upfront fee (one time)

Most assisted living facilities will charge future residents a reservation deposit. Sometimes referred to as a “community fee,” this deposit may be a couple thousand dollars or so and reserves the accommodations of your choice for a certain period of time. Typically, this deposit is not applied to any other charges and is sometimes refundable only if the would-be resident is unable to move into the facility for health reasons.

Base fee (monthly)

In short, this is your monthly “rent” once you live in the assisted living facility. The cost varies depending upon the size of the residential unit and whether you live alone or have a companion. Most base fees are inclusive of most utilities, basic housekeeping, maintenance, and some meals. The base fee is also based on the type of services you need; i.e. independent living, assisted living, or memory care.

Care services fee (monthly) 

This fee typically uses a tiered approach based upon the level of care you need (or want), and it gets added to the monthly base fee. The level of care is usually based on the number of ADLs (activities of daily living) for which a resident requires regular assistance. ADLs include activities such as bathing, eating, dressing, toileting, etc. For example, the monthly cost of care services may range from $150 or so for tier one and could go up to a few thousand dollars per month for tier five assisted living care. Accurately assessing the amount of care needed is one of the most important aspects of the decision process and also one of the more difficult to understand. The more thorough, clinical, and detailed the assessment, the better the plan of care and understanding of the cost.

Example: Suppose one assisted living community says the cost per month will be around $5,000 and another says it will be around $6,000. Also suppose you actually like the higher cost facility better but ultimately choose the lower cost facility because it will save $12,000 per year. However, after about a month of living in the community you get a call saying that more care is required than originally thought and it will bump you into the next tier. Now it will cost in excess of $6,000 per month, which is more than the other facility that you liked better to begin with.

Medication management & other ancillary services (monthly)

Many seniors need assistance remembering to take medicines at the right time and in the right

dosage, so most assisted living communities provide medication management services for an additional fee – usually a few hundred dollars per month, depending on the complexity of the medicine administration. If needed, additional ancillary services like physical or occupational

therapy would also be charged on a monthly basis, as well as non-care related services, possibly including parking, additional meals, and some activities.

All-inclusive assisted living pricing

An assisted living provider that operates under an all-inclusive pricing model spreads the total cost of services for the entire facility across all residents. In theory, some residents would pay more than they might pay in a la carte facility and others will pay less, depending on the amount of care they are receiving. The advantage, however, is that residents can more accurately plan for their monthly cost over the long term, regardless of the level of care received. Yet, some all-inclusive facilities may have a cap on the degree of services they can provide under the all-inclusive price. They may also charge for other ancillary expenses on occasion so be sure to inquire about all of the potential costs or limits.

Low income options

For seniors that qualify a government-supported assisted living facility will provide services at a lower overall monthly cost. You can contact the specific agency in your state to learn more about affordable senior living options in your state and qualification guidelines. Most of these facilities will also accept Medicaid.

Medicare will not help

As you can see, the monthly costs associated with assisted living vary widely and can really add up, so it is important to plan ahead for this potential expense. A major misconception among consumers is that Medicare will cover the cost of assisted living, but this is not the case if assisted living is the only type of care required. Medicare only covers skilled (medically necessary) care, and for a temporary period of time. Medicaid, on the other hand, may cover the cost of assisted living if your assets have virtually been exhausted.

The above article was written by Brad Breeding of myLifeSite and is legally licensed for use.

 

Giving Thanks!

By | Health and Wellness, Lifestyle | No Comments

Happy Thanksgiving! What a wonderful thing!  A whole day dedicated to giving thanks for what we have individually, and as a family or group!

If you are looking for a reason to be thankful, research has shown that being thankful is actually good for your health. Can an “Attitude of Gratitude” really change your health?

Click above to learn more.

Mike the Miracle

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Mike, who had suffered a major stroke in 2013, graduated from Wesley Hospice on September 27th. His friends, family, and the team at Wesley Hospice are so joyous at the miracle that occurred for Mike and his family.

Click the link above to read Mike’s story.

Peg’s Perspective: Human Connection and Mirror Neurons

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Do you ever wake up and feel like you can conquer the world?   Yes—me too! And, if you carry that mood with you all day, chances are many people will pick up on it. They may say things like “You’re in a good mood today,” or “You look good today!” or many other phrases that we love to hear.  But have you ever stopped and asked yourself how these people know that you’re in a good mood? Or how your positive mood is impacting those around you?

Click above to learn more!

Resident Story Tellers: Andy Kendall Shares His Story

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By: Ayanna Thomas

Fairly new to the Wesley Woods at New Albany Community, resident Andy Kendall shares his story of a life full of traveling, collecting historic memorabilia, his career and making Wesley Woods at New Albany the place he calls home.

There’s No Place like Home

Dorothy said it best—there is no place like home. Before making Wesley Woods his home, Andy, an avid collector, lived in a 3,500 sq. ft. home full of historic memorabilia. Transitioning would be hard, but with the help of Colleen Krupp, Marketing Coordinator for Wesley Woods at New Albany, his decision to move was eased when she introduced him to Downsize with a Heart. They assisted him in ensuring that his most loved pieces had a special place in his new home, and the rest was history.

The Beginning: College and Making Memories

Not too far from his hometown, Andy attended Rutgers University in New Jersey. He tells us he enjoyed playing lacrosse, “I wasn’t much good, but I had fun.” Little did he know, later in life he would attend the Ohio State vs. Rutgers lacrosse game and be invited into the locker room to meet the team and coaching staff. He even went home with the game ball which has a special place in his home at Wesley Woods. But Lacrosse wouldn’t be the only thing he loved at Rutgers, there Andy met his wife of 62 years, later becoming a father of two.

Career

Kendall retired from the Air Force as a Colonel and North American Aviation as an Airborne Test Engineer. He remembers bringing in donuts every Friday. “I don’t think any work could get done until I came with the donuts,” he stated. He also enjoyed spending time with various civic groups and students at COSI while lecturing on events in aircraft flight testing.

Retirement

Well-traveled, Andy Kendall; when asked “where have you been,” he chuckled, “everywhere.” He then, went on to explain, “The only places we didn’t go were South Africa, Ireland, and Portugal.” But, his personal favorite was New Zealand. He explained that it is the only place you can go visit ski resorts and tropical oceans. He and his wife often took river cruises through the countries they visited.

Just for fun

Andy finds himself spending his days reading; especially newspapers, National Geographic and Air Force magazines. He explained, “They keep me up to date.” Making time to visit Motts Military Museum and the Air Force Museum is what he enjoys most. But if you’re looking for Andy, you’ll typically find him in the Bistro, sipping his morning coffee surrounded by friends at Wesley Woods at New Albany.

We are glad to have Andy call Wesley Woods at New Albany home.  With friends right next door, having family in for the holidays, or just relaxing with your pet—there truly is no place like home!

Peg’s Perspective: Taking Care of Your Telomeres

By | Lifestyle, Our Stories | No Comments

“Fifty Tips on Aging Well to Celebrate 50 Years of Excellent Service”

As The Wesley Communities approach 50 years of excellent service, our CEO Peg Carmany offers “Peg’s Perspective” on a variety of topics affecting seniors and their adult children as they plan and choose to age well – 50 tips to celebrate 50 years!

Peg’s Perspective:

As we age we all think about many health tips we have learned along the way.  But, emerging research suggests that taking care of our telomeres should be our top priority! Click above to learn why!