If you’ve made your home in Fresno and are wondering if you or your loved one will be able to continue enjoying the San Joaquin Valley should long-term nursing care be needed, the answer is yes. The daily rates in Fresno are comparable to those throughout the country.
California has about 1260 licensed long-term nursing home facilities.
Women make up 60 percent of nursing home residents.
83 percent stay in a nursing home for three months or less.
Only six percent of nursing home residents stay for a year or longer.
When it comes to finding an affordable nursing home in Fresno, semi-private rooms charge less than private rooms in most facilities. A semi-private room in Fresno averages $227 per day. The national average is $220 per day.
The median daily rate for a private room in the city is $243 while the national median is $250 per day. This option saves you more than $2500 per year.
Rates will vary between facilities and some may offer more services than others.
Licensed skilled nursing facilities should follow national regulations as well as any stricter California regulations. It is advisable to speak to staff, residents, and residents’ families to get a good idea of the care and treatment the nursing home realistically provides.
The staff at the facility should provide an assessment of your loved one's cognitive function and develop a care plan to avoid any decrease in ability to do daily activities. The staff must be willing to help with necessary daily tasks like eating, dressing, and bathing.
Medication management, vision and hearing services, and medical supplies should be available for those Fresno residents that need them. Nursing homes accepting Medicare and Medicaid are required to meet these national regulations.
Other services can make the stay in Fresno a happier time. Intensive long-term care may be available including Alzheimer’s and other dementia care like the unit Golden Living Center Fresno offers their residents. Physical, occupational, and speech therapy are offered at most nursing homes. Facilities like Golden Living Center Hillcrest provide these services as well as transportation to appointments, small pets, and hospice if required.
The State of California’s Medicaid covers nursing home care for approximately 65 percent of nursing home residents. The program called Medi-Cal serves about 25 percent of the state’s residents. Medicare will cover nursing home care as long as it is listed as skilled nursing home care in a skilled nursing facility. If you have Medicare and Medicaid, you may be eligible for certain nursing homes that take both insurances such as the Oakwood Gardens Care Center and The Terraces at San Joaquin Gardens Village.
Veterans and their spouses may be eligible for the VA Aid and Attendance. This benefit is for those that served during wartime. Contact CalVet, the California Department of Veterans Affairs, to learn more about the benefit and eligibility requirements.
If you have a life insurance policy, you can choose to cash out the policy early to pay for nursing home care. The company will pay you a percentage of the face value, usually 50 to 75 percent. You should consult a financial advisor before cashing out your policy or any investments.
If you own your home, selling the real estate is an option. If you plan to keep your home, you can either rent it out or take out a reverse mortgage. By renting your home, you can use a portion of the monthly rent to pay towards the monthly amount of nursing home care if you believe you or your loved one will need long-term care.
Reverse mortgages carry a number of caveats. California processes a large number of Home Equity Conversion Mortgages (HECMs) each year. This form of reverse mortgage is widely available, but is more expensive and you will not be able to leave your home to your heirs unless that loan is paid off. The loan also comes due if you move out of your home for more than one year. Seek advice from a housing counselor and real estate planner before signing any paperwork. The Federal Trade Commission and the Financial Industry Regulatory Authority can provide you with more details.
The Fresno nursing homes you visit should have an advisor on hand to help you plan out the future for you or your loved one.
Find assisted living in Fresno near you.