Getting older doesn’t always have to mean giving up your independence. Yes, you might need help with things that you used to be able to do easily, but there are so many options when it comes to senior care. Denver is a great place to retire and it also offers a lot of great options when it comes to creating a senior care plan. Here we have created a simple guide to the different types of care you can find here in Denver along with costs and payment options.
When looking at the average costs across the country and even across the state of Colorado, Denver does come in a little higher than most. That doesn’t mean care isn’t affordable for every budget, you just have to look around and find a price range that works for you.
In 2015, a private room in a nursing home in Denver cost $103,294 and a semi-private room averaged about $88,695. If you wanted to look at assisted living, national averages were around $43,200 and the Denver average was $51,000. You could also look into in-home health care which could range from $50,000 to $52,000 or try an adult day care program at $17,290 per year.
There are many kinds of senior care and it is easy to build a custom plan that works for your needs and lifestyle. Here is a list of a few of the choices you have here in Denver.
You don’t have to leave your house to find good care. Here are the services that will come to you.
Homemaker Services- If you live alone or are having a hard time maintaining your house, you can look for homemaker services. In Denver, companies like Home Instead Senior Care will send professionals to your house to help you with things like meal preparation, running errands, grooming, and even provide companionship.
In-Home Health Care- This takes homemaker services to the next step by having medical professionals, such as nurses or therapists, come to your home to treat medical conditions or care for your health after a surgery or illness. A place like GoldLeaf Care in Denver can meet with you and customize a plan to fit your medical needs.
Adult Day Care Programs- Adult day care is a great affordable option for many people because it helps seniors get out of the house and be active all while under supervision. You can even find customized programs like at InnovAge which offers an Alzheimer’s day care.
Independent Concierge Services- If you’re handy with a computer and online, you can find plenty of companies and workers who can help you with simple chores around the house. Turn to TaskRabbit or Angie’s List to get help with things like walking your dog or raking your leaves.
You need to make sure that you carefully choose the people who will be coming into your home and working with you. Here are a few sample questions to ask.
In the case of an accident, are all employees insured and bonded? Do all medical providers have the proper qualifications to handle your health needs? Has the company performed a background check on their employees? For adult day care, will transportation be provided?
You can also choose to leave your home and move into a senior community to receive care. Here are a few of your options.
Independent Living- This allows you to have an active lifestyle and schedule while also having your own home in a retirement resort-like community.
Assisted Living- You can still have your own home or apartment but you will also have access to staff that can help you with things like getting dressed in the morning, meal services, cleaning dishes and doing laundry, and transportation.
Nursing Homes- After an illness or surgery or if you have a chronic medical condition, a stay in a nursing home might be necessary. This allows medical personnel to provide care for your condition 24/7.
Alzheimer’s and Dementia Care- These facilities are a lot like nursing homes but the care provided and the building are tailored to patients with Alzheimer’s and other forms of dementia.
Especially with a new community, you want to make sure you ask as many questions as possible so you feel comfortable in your new home.
Meet with the director and ask to see the yearly state inspection report. Ask about any deficiencies and what they are doing to fix them. Take a tour of the building and interact with the staff as well as current residents. Find out about all services available and what they will cost. Learn the rules and regulations on things like pets or services not provided by the facility.
Paying for senior care can cause stress, but there are a few options to look into. Insurance is one way to cover costs, especially if you have long-term care insurance. Check your policy to see what is and isn’t covered. Medicaid is insurance for low-income families and if you meet the requirements you could receive coverage. Veterans have VA benefits they can look to for long-term care coverage and you can also use Social Security benefits. For homeowners, selling, renting, or reverse mortgages are all options but make sure you know all the risks before.
Another option for your retirement years is to give back to your community through volunteering. Denver has its own Retired Senior Volunteer Program that can match you with opportunities to volunteer. You can teach GED courses, deliver meals, share your talents with live performances, or help with special events around your neighborhood.
Find assisted living in Denver near you.