Nursing homes and expensive often go hand in hand, unfortunately. It’s true, the cost of long-term care in this country is fairly high and the numbers are only expected to go up as the years go by. That’s why Georgia and Atlanta, in particular, are a great place to find an affordable nursing home. The rates are lower than the national average and there is a wide variety to choose from.
Georgia has one of the lowest average nursing home private pay rates in the country.
One-third of Georgia’s nursing homes rated above average in health inspections.
Georgia spends about 18% of its Medicaid funding for long-term care for seniors.
When you compare average costs of the United States with the average costs in Georgia, the numbers here are going to be a lot lower. For a semi-private room in 2015, the national average cost was $80,300 and in Atlanta, the average cost was $72,051. A private room cost the average American $91,250, and the residents of Atlanta only $80,665.
Those numbers are among the lowest in the country. If you break down the costs day-by-day, you’ll pay around $197 each day to live in a semi-private room in Atlanta. Now, those numbers are still a big chunk of change, but you can find a nursing home that fits your budget in one of the 20 or so facilities in Atlanta.
Nursing homes are able to provide a wide array of services when it comes to your health and well-being. You will always have a medical staff nearby such as doctors, nurses, and specialists that can provide medical attention whenever it’s needed. This can include giving out prescriptions and handling medications, taking care of a pre-existing condition like diabetes, and scheduling appointments for therapy or other medical treatments.
They will also be able to handle special long-term care for things like dementia and Alzheimer’s disease as well as prepare patients and their families for end of life procedures. They can give hospice care and emotional support not only to the patient, but the family as well. Your basic needs will also be met. If you need to have a special diet due to a medical condition or personal preference they will create a meal plan for you. Also, if you need to work on therapy exercises for strength and flexibility, they will make sure you get the attention you need.
A nursing home is not just a medical building, but a place of residency that provides activities and entertainment. Most homes have a director that is in charge of scheduling activities for all of the residents and this can include things like board or card games, movie screenings, arts and crafts, and even field trips to local museums and historical sites.
It can be tough to find the perfect place or know that the nursing home you have chosen is the best choice. However, one way make a decision is to visit each place you’re considering and ask to see the state inspection report. This will give you a good idea of their standards as well as allow you to ask any questions that you might have.
Also, spend some time in the nursing home community and interact with the staff as well as the residents. This will give you the opportunity to see what daily life is like and see how the current residents think about their home. All of these steps will give you the information to make your choice and make your transition easier.
Paying for nursing homes can feel impossible, but it doesn’t have to be because there are plenty of options out there. After you have made a budget and decided your price range, you can look into lowering your total cost by choosing a semi-private room instead of a private room as well as making sure you are only receiving the care and services you need.
If you have a long-term care insurance policy, now is the time to call your agent and see what is covered in your policy. Many people don’t have this kind of insurance but they do qualify for Medicaid. Medicaid is for low-income families that meet the state’s requirements. All you have to do is apply and you could get a large portion of your care covered.
Veteran’s have the option of looking into their VA benefits to see if they can get coverage there, or if their state has dedicated homes for veterans. You can also look into things like a reverse mortgage, selling or renting out your house, or cashing out an insurance policy. Since these options could have long-term ramifications, it’s important that you talk to a trusted financial advisor.
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