If you’ve thought about moving into an assisted living facility but aren’t quite sure yet, you probably have a few questions. How much will it cost? How will you pay for it? What will your day look like within a community? These are all valid questions and ones you should know the answer to before you make your final decision. Chula Vista isn’t only known for its beautiful views and excellent golf courses, but they have plenty of options for assisted living. While it might be a little more expensive than the national average for long-term care, there is a community for each lifestyle and budget.
Cost is the biggest concern of most seniors looking at assisted living. The national median cost of assisted living is $3,628 per month, and the average price in Chula Vista is right around $4,000. While it’s slightly higher, there are other options and other ways to pay for your care.
Right now, SeniorAdvisor.com has listings in Chula Vista that range from $2,195 for a studio at Villa Bonita Senior Living to $5,750 for a two-bedroom apartment at St. Paul’s Plaza. These are two opposite ends of the spectrum when it comes to care and price, but it shows the range of places you can find in Chula Vista.
Being in a new environment can be a little stressful, especially if it’s entirely different from your routine. You can find assisted living communities that offer qualities that you value like faith-based facilities or upscale amenities. Sunrise at Bonita allows pets along with beauty and barber services. They are in central Chula Vista, so they are close to entertainment options, dining, shopping, and close to Scripps Mercy Hospital. At Villa Bonita, you can find complimentary transportation to the nearby golf courses, horse trails, shopping centers, and medical facilities. No matter what you need or want you can find a community that works for you.
Figuring out what you want from an assisted living facility might seem like the easy part once you start looking at each community. You can gather suggestions from your friends, relatives, and health care providers to make it easier, though. Online reviews are helpful parts of your research because you can see how current and past residents liked the place as well as learn more about what each community offers.
A senior advisor could also be a valuable assistance during your search. This is a professional that can help you find the right place based on your requirements and budget. Because the community they represent pays them, their services are often free for you, and your family members. After they give you a few suggestions, they might also go with you on visits to each place.
During your visit, be sure to ask about what included services they offer and what the charges are for extra services. See if they have a continuum of care and what that entails so you know what will happen if your health needs change while you live there. Don’t forget to bring your checklist and ask as many questions as you would like. The SeniorAdvisor.com Assisted Living Guide is a great tool to use because it is full of questions you should ask, ways to pay for care, and tips to make your transition smoother.
Long-term care options might be numerous, but they can also cost a pretty penny. At first glance, you might think assisted living facilities are out of your reach and that it would be better to use in-home care. In-home health care might be cheaper but you will still need to pay for things like property taxes, homeowners insurance, your mortgage, bills, and you’re on the hook if something in your house needs repairs. All those costs can add up, and in an assisted living facility you don’t have to worry about that. If you do own your house, consider selling it and using the profits to pay for a new home in assisted living.
If you don’t have a house or are a low-income senior, consider Medicaid. There are over 1200 Medicaid approved facilities in California, and this program can help you cover most if not all your costs. There are some requirements, and you can’t own any substantial assets other than your house or car, but if you’re interested in learning more about Medicaid, you can visit Covered California.
If you’re a veteran or a widow of a veteran, VA Benefits might be your best option. Veterans who served during a war, even if they never saw combat are eligible to get assisted living coverage. The regional office in San Diego can help answer your questions and let you know whether you meet the requirements for assistance.
If you have long-term care insurance, you might already have assisted living covered. Check your policy and find out if it’s just room and board or if you have everything included. You should also contact your agent to talk about scheduling a payment plan. Many seniors, unfortunately, let their coverage lapse because of things like debilitating illnesses such as Alzheimer’s. If you take care of it now, you won’t have to worry about it later.
If none of these options work for you, there are a few other financial tools you can use to help your situation. A reverse mortgage allows you to use the equity in your house to pay for things like your car. A major downside is that your spouse must stay in the house for this option to work. If you have life insurance policies, you can cash them out to use the money for assisted living. Before you go ahead with either of these choices, discuss it with your financial advisor, tax professional, and elder law attorney. Both things could have some serious consequences, and you should know all the information beforehand.
Another thing to keep in mind is that there are some things you can’t use to pay for assisted living. Medicare, health insurance, and worker’s disability insurance all will not cover this type of care. You can go to SeniorAdvisor.com to learn more about assisted living and search for the best places in your area.
Find assisted living in Chula Vista near you.