As Baby Boomers get older, the demand for senior care and services continues to increase. By 2029, the youngest of that generation will turn 65 years old.
If you or a loved one are in this age group, it’s important to understand senior living and know the key differences between assisted living communities and nursing homes.
By exploring options early, your family will have an easier time making decisions now and in the future.
What is assisted living?
Assisted living is for those who wish to live independently but would benefit from help with daily activities.
With assisted living, seniors live in their own comfortable apartments and choose the services they need. This could include a staff member assisting with medication or housekeeping. Residents don’t have to worry about yard work or home maintenance, plus they get access to spaces like a library, chapel and walking trails.
One of the best parts about assisted living is the activities and mealtimes that can be shared with new friends. Neighbors are close by, giving a community feeling.
Assisted living offers extra support so you or your loved one can experience a healthy balance between independence and assistance.
What is nursing home care?
With long-term care, also known as nursing home care or skilled nursing care, seniors receive 24/7 nursing care and services while living in a private or double occupancy room.
In a long-term setting, the personalized care focuses on all aspects of well-being, including socialization. This includes assistance with medications, eating, dressing, bathing, walking, wound care and pain management. It can also include exercise classes, spiritual activities, and physical, occupational and speech therapy sessions.
Leaving the comfort of home is not easy when more care is needed. At the Good Samaritan Society, we know seniors want to continue to do or enjoy familiar things. Residents are encouraged to decide what activities they want to do, where they want to be and what they want to eat. They are free to explore hobbies and interests that help them stay mentally and physically active.
Nursing home care offers around-the-clock support tailored to each resident.
Choosing the right fit
It may be difficult to decide between an assisted living residence or a nursing home setting.
If a person is currently living on their own but might like help with daily activities or medical needs, then assisted living could be a good option. Assisted living provides social opportunities and a maintenance-free lifestyle.
When families tour assisted living communities and meet the staff members, it can help them decide whether the environment is the right fit.
If a person has had a change in health and they’re not able to live safely in their current home, nursing home care might be the best option. Nursing home staff can help evaluate medical needs to determine the level of care that would be most beneficial.
Understanding costs
Assisted living costs depend on the services a person receives. Payment options include long-term care insurance, Medicaid waivers, veteran benefits or private pay. Insurance coverage and eligibility vary by state.
Nursing home costs involve a set fee each month. Payment options include Medicaid, long-term insurance or private pay. If a person qualifies for Medicaid in their state, the program will help pay for living in a nursing home. If they are moving to a nursing home to recover after a hospital stay, Medicare may pay for a short-term stay.
Private pay, also called self-pay, means a person uses their resources and finances to pay for the care they receive. Any services, housing or care a person chooses can be paid for by private pay.
Talking to a financial advisor, attorney or social worker can help to decide the best option.
As you or your loved one consider both options, think about current and future preferences, health needs and finances. Wait lists are often available if you’re planning for services in the future.
