Dayton, Ohio is considered the “Birthplace of Aviation” and other progressive industries. This historical city continues to thrive being the hub for technological advances. Dayton’s reputation is cause for a higher cost of living including nursing home care. However, several facility options are available to decrease your out-of-pocket expenses.
As of 2014, there were 933 certified nursing facilities in the Buckeye state.
Nursing home residents total approximately 74,828.
The number of female residents is double compared to male residents.
Residents between the ages of 65 and 84 total 33,200 patients in Ohio nursing homes. There are 31,300 residents age 85 and older.
The city of Dayton features a higher cost of living than other nearby cities and this is reflective in the median daily rate for nursing home care. A semi-private room in Dayton averages $250 per day. The national average for a semi-private is $220, and an identical room in nearby Springfield is $187 per day.
Private rooms are typically more. The national average is $250 per day. One in Springfield runs around $217 per day. A room in Dayton is $293 per day on average, but affords you the privacy in the city.
Local nursing homes offer services like medication management, rehabilitation therapy, preventing and treating sores and other ailments, and meeting your basic needs with medical supplies like walkers and wheelchairs. Certain regulations must be met by each skilled nursing facility in order to continue funding. Nursing homes that agree to accept Medicare and Ohio Medicaid must adhere to more regulations than just the federal. Bethany Village and Dunbar Health and Rehabilitation Center both accept Medicare and Medicaid, and are routinely inspected.
Heartland of Centerville, Crestview Manor, and other similar facilities provide transportation and hospice is available for those residents needing end-of-life care. Small pets can also be brought into the home.
More nursing homes are taking an interdisciplinary approach to treatment. The staff will work with your medical specialists to provide you with the best short-term or long-term care possible.
Most private pay insurances do not cover long-term care. The majority of people do not take out long-term care insurance policies, although this is a valid option. A long-term care insurance will offset the cost, which means less out-of-pocket for you in the long run. It is suggested to take out the insurance policy while you are healthy to guarantee lower rates and avoid the hassle of becoming uninsurable later. Speak to an experienced Dayton-based agent to choose the best option for your situation. Medicare will not cover long-term care either. The only time Medicare will cover skilled nursing care is after hospitalization and only for 100 days.
If you fall into the lower income bracket, you can apply for Ohio Medicaid. Medicaid will cover nursing home care. The income limit is set at or below $2,163 per month, as of 2014. If you receive SSI benefits, then you are eligible. Contact the local Montgomery County Department of Job and Family Services to apply.
Dayton is the home of the Wright-Patterson Air Force Base, which is a large employer in the area. Veterans looking for nursing home care funding should contact the Veterans Administration. The VA Aid and Attendance benefit is a pension aimed at helping those in the military that served during war time. You must be permanently disabled or over the age of 65 to qualify. Surviving spouses are also eligible for pension benefits. If you served for at least 90 days of active duty, at least one day during wartime, and were discharged honorably, then you should apply. Income is taken into account when applying for the VA Aid and Attendance excluding your home and vehicles.
If you are considering a reverse mortgage, you should be aware that if you move out of your home and into a long-term nursing home, the reverse mortgage becomes null and void. You will be responsible for paying the loan immediately or face foreclosure. There are laws in place now to protect a spouse from foreclosure. Seek counsel and make sure you understand all the guidelines.
Cashing out life insurance policies and other investments are options you can pursue as well as downgrading your home. You should consult an elder-law attorney to learn more about possible options for funding your nursing home care in Dayton.
Find assisted living in Dayton near you.