Columbus Assisted Living
Relocating to an assisted living facility will require a period of adjustment. Living arrangements will be different, but the support provided makes it worthwhile. The good news is that assisted living communities offer more than help with daily tasks. Facilities offer living arrangements full of comforts. Things to consider before the big move include budget, location and must have amenities.
Assisted Living In Columbus and Average Costs
Assisting living costs vary across the U.S. According to a 2015 Cost of Care Survey by Genworth Financial, the median cost for assisted living in Columbus is $4,113 per month for a one bedroom single occupancy space. In comparison to the national average, Columbus rates are higher. The survey reveals that the U.S. median for this same assisted living space is $3,600 per month.
What You Can Expect In Assisted Living
A complete lifestyle makeover is not a given when moving to assisted living. These communities realize the value in helping residents maintain an active and independent lifestyle as much as possible. Along with providing help with daily routines such as bathing and dressing, many facilities offer basic amenities like dinning services, housekeeping, laundry services, wellness programs and a variety of social activities that include social outings to main attractions.
Options for private living spaces usually include layout, size and style. With a bit of research, seniors can find assisted living housing with suitable features that are within budget. Costs may increase with added features and services. The key is to inquire about costs for any amenities over and above the basics. Also, consider any future needs and determine if a potential facility can meet them.
Locating Assisted Living Communities In Columbus
When it comes to locating assisted living communities in Columbus, several top rated neighborhoods, from Franklin Park to Westerville are worthy starting points for the search. The deciding factor is really a matter of personal choice. Consider variables that match a desired quality of life, such as pet provisions or a space within close proximity to shopping and entertainment.
When trying to locate suitable assisted living, be sure to use available free resources. The Ohio Department of Aging can be helpful in pinpointing highly rated assisted living communities. Before making a final decision, be sure to visit top choices and check out reviews from current or previous residents.
Paying For Assisted Living
For many seniors, there is no getting around the use of private funds to pay for assisted living. Common examples of private funds include retirement benefits, insurance policies, the sale of a home, or a home equity based loan such as a reverse mortgage. Benefits from federal and state funded programs such as Medicaid and Veterans pensions are other payment options. Let’s take a look as some of these alternatives.
Homeowners can consider selling a primary residence to cover assisted living expenses. If selling a home is not a realistic option, a reverse mortgage may be the way to go to get money out of the home. With a reverse mortgage, the equity in a home is accessed and used to pay for expenses like assisted living costs. The terms of a reverse mortgage require borrowers to occupy the home. So think carefully about this option.
Using long-term insurance payouts is another way to pay for assisted living. It is important to weigh the costs of premiums versus the benefits received with this option. It is also important to gain clarity on policy terms and when payout eligibility starts. Premium payments must be kept current.
Individuals that qualify can get support from the Ohio Medicaid program. Income level and assets on hand are key qualification criteria. Medicaid is not to be confused with Medicare. Medicare is basically a health insurance platform for those ages 65 and older or disabled and does not provide for assisted living care. Medicaid covers health care and provisions for nursing home or assisted living. Since programs vary by state, contact the Ohio Department of Medicaid for help in understanding program provisions and eligibility.
Help for senior and disabled Veterans can come by way of the VA Aid and Attendance Program. Veterans receiving a pension may qualify for additional amounts that can be used towards assisted living. Contact the Ohio Department of Veterans Services to start the application process.
Many Columbus communities have a lot to offer and are very accommodating to senior lifestyles. Armed with this information, you are well on your way to finding what’s right for you.
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