Phoenix Assisted Living
When the decision is made to move to assisted living, expect a period of adjustment. The good news is that these senior communities offer ideal living solutions for those who need help with daily routine. In addition to this type of support, facilities provide programs that cater to active lifestyles. There is a lot to consider when planning the move, including costs, facility location, amenities and opportunities for social activities.
Average Cost For Phoenix Assisted Living
Assisted living costs vary across the nation. Average cost for assisted living in the Phoenix area is $3,250 per month for a one bedroom single occupancy space, according to a 2015 Cost of Care Survey by Genworth. In comparison to the national average, Phoenix rates are lower. The study reveals that the U.S. median for the same assisted living situation is $3,600 per month.
Assisted living costs on an annual basis are lower than the cost of paid in home services. Of particular note, costs for home services are in addition to the cost of maintaining a home, including utilities, insurance and taxes.
What To Expect From An Assisted Living Community In Phoenix
Being in an assisted living facility doesn’t mean giving up on every aspect of a previous lifestyle. In addition to regular support with daily routines, many assisted living facilities offer typical amenities like dining services, housekeeping, laundry services, wellness programs and a variety of social activities such as trips to museums and theater. This means that seniors get to maintain certain levels of social engagements.
Private living spaces in assisted living communities can vary by design, size and style. With the proper research, seniors can find spaces within desired features suitable to their needs and budgets. When conducting research, consider future needs and whether facilities in consideration can meet them.
Finding The Perfect Phoenix Area Assisted Living Community
When it comes locating assisted living communities, Phoenix has several top rated neighborhoods, from Arcadia to Verrado. The area chosen depends on personal preference, whether the perfect setting is in a historic or vibrant community. Use available resources to locate facilities in the area of choice with amenities and budget factors met. Free resources like Arizona’s Department of Economic Security Division of Aging and Adult Services can help with the search. Be sure to visit top choices before making a final decision. Also, check out any online reviews to help with the decision.
Assisted Living Payment Options
Private funds are how a number of seniors and caregivers pay for assisted living. This type of funding includes retirement and pensions, insurance policies, reverse mortgages, or selling a home right out. Government benefits such as Medicaid and Veteran’s Benefits are also options worth considering.
Senior homeowners may consider selling a primary residence to cover some assisted living care expenses. If the choice is to keep the residence, a reverse mortgage is another way to get money from the home. With a reverse mortgage, home equity is tapped to pay for any given expenses, including assisted living care. This only works for borrowers who are occupants of the home.
Payouts from long-term insurance benefits can also be used to pay assisted living costs for seniors who are not homeowners. The key is to weigh the costs of premiums versus the benefits received. It is also important to be very clear on policy terms, payout eligibility and when payouts commence. When using this option, premium payments must be kept current.
For qualifying low income and disabled individuals, the Arizona Medicaid program provides help with assisted living. Note that Medicaid is different from Medicare. Medicare is basically a health insurance platform for those ages 65 and older and does not provide assisted living support. Medicaid covers health services in addition to nursing home or assisted living costs. Since state programs vary, contact the Phoenix Department of Social Services for help in determining benefits.
Veterans may qualify for assisted living financial support from the Veterans Aid and Attendance Program. With this program, Veterans receiving a pension may be able to qualify for additional amounts that can be used towards assisted living expenses. In Phoenix, contact the Phoenix VA Health Care System for assistance in starting the application process. The process will take time, but qualifying for the extra money can make the effort worthwhile.
Phoenix is up to the task when it comes to assisted living communities, and has much to offer. Using this information, you can land a space just right for you.
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Find more information about assisted living in Phoenix at SeniorAdvisor.com.