Home Care is a great option when Mom or Dad are living with chronic illness, disease or conditions (Alzheimer’s or dementia,Parkinson’s, Multiple Sclerosis (MS), COPD, etc.) inhibiting their ability to independently perform all of their activities of daily living (medication reminders, cleaning, cooking, transportation, companionship and personal care such as bathing and dressing). Home Care is one-to-one care services and is also referred to as companion care, non-medical care and supportive care, and ranges from one-hour to 24-hour care. Hourly Rates range from $21-$29. Private pay, Private long-term care policies, or VA Aid and Attendance Pension benefit may be a source of payment. Medicare does NOT pay for this type of care.
Sometimes called “55+ communities,” these living arrangements are campus-like and boast a luxurious, resort-style, low-maintenance lifestyle targeted to boomers/seniors who are in the early years of retirement and still very active and independent. One of the biggest advantages of the independent living option is that it allows seniors to make new friends and stay social. Monthly Rates range from $1,500-$3,500. Mostly Private pay although some government funding may be available through HUD’s Section 202 Supportive Housing for the Elderly Program.
These have been an increasingly popular option for adults who are relatively independent to those who require 24-hour supervision or care. In this level of care, residents receive minimal (housing, meals, and supervision) to full care services (nursing and palliative) in a home-like setting with up to 3 other adults. Generally small and often set up in private homes, adult family home providers are individuals or families with children who live together with their resident clients as a family unit. Monthly Rates range from $1,500-$6,000. Private pay, Medicaid (in some situations), or Private long-term care policies may be a source of payment.
Assisted living facilities are special facilities that span the gap between independent living and nursing homes. These facilities may be temporary or long-term housing. They are especially designed to help seniors who are mostly independent but need help with some of the activities of daily living (transportation, assistance with medications, preparing meals/eating, bathing, dressing, housekeeping and getting to the doctor’s office). Most facilities include a safety alert system (pull cord or locket based alarm) that can alert the care staff of an emergency such as a fall. Such a system can minimize the damage from a fall, stroke and other health event because help is only minutes away. Monthly Rates range from $2,500-$4,000. Mostly Private pay, some take Medicaid. Alzheimer’s care ranges from $2,800-$4,500 in a shared suite
A CBRF is a smaller version (5-20 individuals) of an assisted living community which provides room and board, supervision, and help for people who have trouble living by themselves. A CBRF is a type of assisted living that is a step between living at home and living in a nursing home. Five or more unrelated adults live in a CBRF. Care, treatment, and service options as well as room and board are given to all residents. Monthly Rates range from $3,000-$6,000. Private pay, Private long-term care policies, possible funding through County Human Services or Social Services Department, nursing care may be covered by Medicare.
Provide around-the-clock skilled nursing care for the frail elderly who require a high level of medical care and assistance. Long-term care residents generally have high care needs and complex medical conditions that require routine skilled nursing services. Residents typically share a room and are served meals in a central dining area unless they are too ill to participate. Activities are also available. Some facilities have a separate unit for Alzheimer’s residents. Monthly Rates range from $4,000-$8,000. Private-pay, Medicare and Medicaid.
Palliative care teams are made up of doctors, nurses, and other professional medical caregivers, often at the facility where a patient will first receive treatment. These individuals will administer or oversee most of the ongoing comfort-care patients receive. While palliative care can be administered in the home, it is most common to receive palliative care in an institution such as a hospital, extended care facility, or nursing home that is associated with a palliative care team. There are no time restrictions. Palliative care can be received by patients at any time, at any stage of illness whether it be terminal or not. Since this service will generally be administered through your hospital or regular medical provider, it is likely that it is covered by your regular medical insurance. http://www.caregiverslibrary.org/caregivers-resources/grp-end-of-life-issues/hsgrp-hospice/hospice-vs-palliative-care-article.aspx
Hospice programs far outnumber palliative care programs. Generally, once enrolled through a referral from the primary care physician, a patient’s hospice care program, which is overseen by a team of hospice professionals, is administered in the home. Hospice often relies upon the family caregiver, as well as a visiting hospice nurse. While hospice can provide round-the-clock care in a nursing home, a specially equipped hospice facility, or, on occasion, in a hospital, this is not the norm. You must generally be considered to be terminal or within six months of death to be eligible for most hospice programs or to receive hospice benefits from your insurance. Many hospice programs are covered under Medicare. http://www.caregiverslibrary.org/caregivers-resources/grp-end-of-life-issues/hsgrp-hospice/hospice-vs-palliative-care-article.aspx