Thursday, July 11, 2013

Home Health Series I: Home Care or Assisted Living?

Home care or assisted living?  You may currently be facing this decision with an elderly loved one and the answer is certainly not an easy one.  Seniors who were once independent and self sufficient may now suffer from a myriad of health concerns and getting assistance is not only a matter of economics, it is also a very emotional decision.  Trustiva Health has developed the table below for an at-a-glance comparison of both types of care delivery.

 

In-Home Care
Assisted Living
Advantages
-       Privacy and comfort
-       Complete independence in scheduling & routine
-       Reassurance of your own surroundings
-       One monthly cost (may or may not cover ADLs)
-       Facilities designed for safety and mobility of seniors
-       Socialization and recreation
Disadvantages
-       Potentially higher cost
-       Intrusive on family members
-       Additional cost for ADL assistance
-       Emotional distress of being away from home
-       Little control over schedule and routine
Room and Board Expenses including Utilities and Food
Not included
$39,600 Annually*
Assistance with ADLs
$61,152 annually* (8-hours per day of Certified Nurse’s Aide, 7 days per week)
May or may not be included.  Varies by facility type.
Medicare
Not covered
Limited to some medically necessary health-related services by certified providers.
Medicaid
Some services may be covered by certified providers; services covered vary by state. Other housing/service costs are generally not covered.
Some services may be covered by certified providers where services covered vary by state. Adult day services may be covered; varies by state and eligibility.
Long Term Care Insurance
May be accepted; coverage varies by policy
May be accepted; coverage varies by policy
Veteran's Benefits
May be accepted; varies by eligibility and state
May be accepted; varies by eligibility and state

* 2013 figures from www.aarp.org
 
It is a difficult decision to make but once decided upon, it will give the whole family peace of mind.  Call Trustiva Health today at 248-220-4052 to see how we can help.

 

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