Big cities like Chicago tend to be more expensive than suburbs or small rural towns. There are neighborhoods in Chicago like the Gold Coast where you can’t even go a few feet without running into a designer label, so it goes without saying that nursing homes in this city could get fairly pricey. Luckily, there are options for every budget and ways that you can lower costs and save money, if you need to enter into a nursing home.
Over 70,000 people in Illinois were in the care of a nursing home in 2014. That is about 5.4% of the U.S. population.
Illinois has approximately 1,200 nursing home facilities and every year the Department of Health conducts over 10,000 surveys to make sure all qualifications are met.
83% of Illinois residents say it is extremely important for them to stay in their home as long as their health will allow.
Almost half of Illinois residents surveyed say they are worried they cannot afford long-term care within the next three years.
The cost of living in a nursing home is by no means cheap and rates can vary greatly, but the rate here in Chicago is not as outrageous as you might think. In 2015, the national average for a semi-private room in a nursing home in the United States was $80,300 and a private room came in at $91,250. If you look at the rates for the Chicago area, the average costs were $82,125 and $92,163 respectively.
Those numbers aren’t much higher than the national average, but they only show part of the picture. What you pay for a nursing home is going to depend on the kind of care that you need to receive as well as the home and location you choose. There are over 80 different kinds of nursing homes in Chicago as well as many in the surrounding neighborhoods that can offer you a wide price range to fit your budget.
All nursing homes are going to have a medical staff that is always in the facility. These include nurses, doctors, and nursing assistants that can take care of any medical need you might have. Care can include wound care, administering prescriptions, providing therapy, and making sure all of your medical needs are met.
Nursing homes specialize in long-term care and make sure that their staff is trained in things like handling patients with dementia or Alzheimer’s disease. You can also find homes that specialize in care for other medical conditions such as diabetes or heart conditions. Staff in nursing homes will also make sure your other basic needs are met like proper nutrition as well as exercise and proper hygiene. The staff at nursing homes are also equipped to deal with patients who are near the end of their life and can provide hospice care as well as support and resources for the family members.
Beyond medical treatment and care, nursing homes can also include entertainment and activities. The director is in charge of making sure the residents also enjoy their life in the nursing home by scheduling events like bingo, movie night, or live performances from a local music group. Patients who are able to travel might also be able to go on an outing to a show or a local museum. They will also arrange for holiday parties, therapy dogs, and various religious services so all the residents can live as normal a life as possible.
Make a list of the basic needs that you will need met on a daily basis and make sure all the facilities you look at can offer those services. It is important to visit each nursing home you are considering to ask questions and make sure you are comfortable in the new environment. Ask to see the latest facility state inspection and ask about any deficiencies that were reported.
It’s also important to talk with the residents and get a feel for what life will be like in the nursing home. Take a tour of the facility, ask to see a room, and try to have a meal there as well. These are all important steps to make sure that you get what you need from your nursing home.
One of the ways that you can afford a nursing home is to look into ways that you can lower the cost. If you can, getting a semi-private room is going to be less expensive than a private room. A roommate can also be a good way to get to know the facility as well as develop a friendship in your new home.
A long-term care insurance policy is one of the best ways to pay for a nursing home and you can talk with your agent to make sure you know exactly what is covered and set up payments while you’re in the nursing home. If you don’t have this type of policy and are a low-income family, look into Medicaid. If you meet the requirements you might get a large portion of your care costs covered.
Veterans, as well as veteran’s widows, can look into their local VA benefits and see if they can receive any coverage there. Some states even have veteran’s homes that will allow you to stay in their nursing home at a lower or discounted rate. If none of these options work for you, you can set-up a meeting with the Life Care Funding Group to go over more options and find money for you to stay in a nursing home.
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