Albuquerque residents will be relieved to learn that nursing home rates in the city are comparable, if not slightly lower, than the national average. Nursing home care can be a financial drain to many people and their families, however there are several options for paying.
Nursing homes must be licensed by New Mexico and adhere to strict regulations.
Nursing homes that accept Medicare and Medicaid must meet additional requirements.
New Mexico Medicaid pays for 69 percent of nursing home residents’ care.
Seven percent of residents use Medicare.
Long-Term Care Insurance pays for three percent of care.
According to the Genworth 2015 Cost of Care Survey for New Mexico, a semi-private room averages $220 per day across the nation. In Albuquerque, the daily median rate is $217.
Private rooms are slightly more on average. The U.S. average is $250 per day. A private room in ABQ runs $247 per day. These rates are comparable, but may vary from facility to facility. Location and services offered may affect the rates.
Depending on the facility, an array of services may be offered. These services can include physical, occupational, and speech therapy. Religious services and studies are sometimes offered like those at La Vida Llena Retirement Community. Some nursing homes provide residents with haircuts and complimentary transportation. Most offer hospice and long-term care. Outdoor activities provide you with a breath of fresh air.
Certain services are required to maintain the resident's health and quality of life. These requirements are regulated by the state and must be followed or the facility is penalized. Those homes that accept both Medicare and Medicaid, like Rehabilitation Center of Albuquerque, are required to meet additional regulations. The Centers for Medicare and Medicaid Services rates these facilities. Four of these in Albuquerque were given an overall rating of five stars: Rehabilitation Center of Albuquerque, South Valley Care Center, Advanced Health Care of Albuquerque, and St. Catherine Healthcare and Rehabilitation Center.
The regulations are there to ensure you or your loved one receives the care and respect needed to maintain your health. Any nursing home you choose should aim to apply appropriate treatment for ailments including bladder incontinence and pressure sores. When you first arrive, an assessment should be conducted and a care plan created. The staff is tasked with making sure your ability to do daily basic activities does not further deteriorate. These activities include bathing and dressing.
To maintain your hearing and vision, you should be provided with services that will monitor these and supply you with a hearing aid or eye glasses, if needed. To avoid accidents you will have access to walkers and wheelchairs as well as sufficient supervision.
You may want to make a list of possible nursing homes and calling to make an appointment to tour the site. By speaking directly to the home administrator and staff, you can make sure the facility follows guidelines. You will witness staff interacting with the residents.
Medicare will not cover long-term care, but they will cover skilled nursing care up to 100 days for each time (spells) a patient is admitted into a skilled nursing facility. New Mexico Medicaid pays for the majority of residents’ care in nursing homes as long as it is deemed medically necessary. These licensed nursing homes are referred to as Medical Institutions. The plan is overseen by two managed care companies, Amerigroup and Evercare. You can apply for Medicaid at the local Bernalillo County Human Services Department office.
If you or your spouse served in the military during war time, you may be eligible for the VA Aid and Attendance. This benefit is part of the Veterans Long-Term Care Benefits. The pension is paid out to those veterans that served at least 90 days during a period of war. Those ages 65 and older are eligible without proof of disability. If you are younger than 65, you can still qualify if you are totally disabled.
Before making any serious decisions regarding funding your nursing home care with proceeds from the sale of your home or from a reverse mortgage, consult an elder-law specialist or financial advisor. Reverse mortgages can be a solution, however there are many rules that need to be followed to avoid foreclosure. Renting your home is another option, if you will need long-term care. Renting provides an additional monthly income that could be used to pay for your care costs.
Research and compare several Albuquerque nursing homes before choosing one.
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