What Does Assisted Living Cost and How to Pay For It?

Posted on

Jul 21, 2021

To learn more aboutCarePatrol of Utah, CLICK HERE.
In helping over 1,000 families findsafe care options, one of the firstquestions families ask about assisted living is how much does it cost?Many people are surprised at how affordable it is when given specificinformation about whats included.Such as utilities, food, cooking,cleaning, entertainment, transportation and 24/7 nursing care.
What does Assisted Living cost inUtah?
Communities charge anywherefrom $2,000 a month to as muchas $6,500, but the average is about$3,500. This amount largely depends on 3 factors.
1 How much care does the resident require? For individualsthat need help with a lot of activitiesof daily living (ADLs), the cost canbe more. This is important to keep
in mind and understand that the cost may increase over time as careneeds increase.
2 Location. As will any real estate, location affects the cost.
3 Size of the room. Most communities have different sizerooms from small studio apartmentsto 2 bedroom suites. Most individuals are completely comfortable in astudio or 1 bedroom.
Most assisted livings have a rentplus level of care pricing model.Which mean you have a flat baseprice for the rent of the apartmentand then added charges based on
the level of care required. SomeCommunities have a flat rate all-inclusive pricing model, meaningyour price is the same every monthregardless of the care provided.
In addition to the monthly cost forAssisted Living, most communitiescharge a move-in or communityfee for new residents. Make sure youunderstand all the costs associated
with moving before you sign theagreement and move in. There aregreat communities at every pricelevel.
Does Medicare or Medicaidpay for it?
Traditionally Medicare does NOTpay for Assisted Living. It can, insome cases, pay for a short-termnursing home stay or for in-homecare. Medicaid can be used to payfor some of the costs associatedwith Assisted Living. In Utah theMedicaid program that helps payfor some assisted living charges iscalled the New Choices Waiver.
Long Term Care Insurance
Long term care insurance is agreat way to help pay for some or allof assisting living costs. Some lifeinsurance policies have a long termcare rider.
VA Aid and Attendance
The VA Aid and AttendancePension is a great benefit for manyveterans. It can pay up to $2,295(2020 amount) to a married veteranand their spouse. The veteran musthave served 90 days active duty andat least 1 day during wartime. Thiscan also be an eligibly benefit for asurviving spouse.
Private Pay
The most common way residentspay for assisted living is with theirincome, savings, and retirement.If you have any questions aboutassisted living costs or how to payfor it, CarePatrols Senior Advisorscan help. Please call 801-717-9328for more information or visit Utah.CarePatrol.com.'
Editors Note: This article was submitted by Randy Chipman, Certified SeniorAdvisor, Certified Placement and ReferralSpecialist. He may be reached at 801-717-9328 or by email at Utah@CarePatrol.com

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