Assisted living services help thousands of Ohio seniors each year to maintain an independent lifestyle with a sense of safety and security. Individuals living at home can hire housekeeping services or a home health aide to assist with daily living activities. For an even higher level of care and supervision, seniors can move into a Residential Care Facility. These facilities often offer apartment-style rooms with kitchenettes and bathrooms for independent living and communal style dining rooms, exercise centers and recreational halls for social events.
In-home services and assisted living communities are able to adapt to the unique needs of each patient that they care for. The goal of these services is to provide a safe environment in which a senior can continue to function independently. Depending on the needs of the individual, assisted living services include:
Help with cleaning, laundry, and other housekeeping tasks Preparation of healthy meals that meet specific dietary needs Reminders to take medication or attend a doctor’s appointment Convenient transportation to medical appointments, shopping, and other destinations Assistance with daily living activities and cleaning rituals
In 2010, there were 595 Residential Care Facilities located in Ohio that cared for over 43,000 patients.
Ohio’s 85+ population is expected to rise by 45% between 2007 and 2030, which will increase the need for Residential Care Facilities.
Ohio’s Assisted Living Waiver Program is able to provide home and community based services to about three individuals for every one nursing home patient covered.
In 2009, Ohio needed to spend just 17% of its Medicaid funding on home and community-based assisted living services.
Home health services for Cincinnati residents tend to be in line with national costs. The national median cost for homemaker services in Cincinnati was $44,341 per year in 2015, while local home health aides charged an annual rate of $46,904. The price of these services isn’t expected to rise much over the next five years.
Care costs in a Cincinnati assisted living facility were slightly higher than national rates in 2015. While the national median cost of assisted living was $43,200 per year, the annual cost of assisted living for seniors in Cincinnati hit $49,320. Prices are expected to rise by 3% over the next five years as Cincinnati gains popularity among recent retirees.
The cost of assisted living can vary greatly between different communities. While one facility’s monthly fee might cover comprehensive care services, another might cover just the bare bones of room and board. It’s important to understand the breakdown of an assisted living facility’s fee and to make sure that everything is within your budget. When speaking with a representative or taking a campus tour, it’s important to ask questions such as:
Are utilities and housekeeping services included in the monthly fee? Does the facility accept Medicaid patients? Does the facility accept any long-term care policies? What is included in the standard meal plan, and what is available at an extra cost? Are transportation services included in the monthly fee?
In-home care in Cincinnati is usually cheaper than a room in a Residential Care Facility. If you are able to live semi-independently at home, you may want to look into homemaker services to help you with cooking, cleaning and personal care. You can also hire a home health aid if you require more extensive medical care.
Those that do decide to move into a residential care community may be able to save money by living with a roommate. Not all facilities offer double rooms, so be sure to ask about what living options are available to prospective residents. You can also inquire about sliding-scale rates for low-income seniors.
If you are a senior with a limited income, you may be worried about covering the costs of care each month. Luckily, government financial aid programs are available to help thousands of seniors just like you to pay for quality healthcare. Ohio Medicaid helps cover assisted living costs for low-income seniors through the Ohio Assisted Living Waiver Program. Housebound veterans and their widows can apply for financial assistance through the VA Aid & Attendance pension.
If you do not qualify for government assistance, there are other ways that you can pay for care. Those that are moving into an assisted living facility can sell their home, while those receiving in-home care can cover costs by taking out a reverse mortgage. Be sure to talk to your estate planner, lawyer and tax attorney when considering these options.
Some seniors decide to take out a long-term care insurance policy in anticipation of future care costs. Most policies cover assisted living and in-home services, but every plan is different. If you have long-term care insurance, check with your agent to see what your policy covers.
Find assisted living in Cincinnati near you.