Henderson seniors have plenty of options when it comes to assisted living, including award-winning facilities. If you’re looking for some extra help around the house or you want to move into a new community, there is assisted living support just for you. To make the best choice, you need to know all your options along with the cost and ways to pay for them, and that’s what we’ll cover in this guide.
Assisted living can mean a few different things, but the idea is help for people that cannot do certain tasks on their own but don’t need skilled nursing. These tasks can include:
Personal care tasks like getting dressed or daily grooming.
Mobility assistance like getting out of bed or wheelchair transfers.
Medication and appointment reminders.
Transportation to medical appointments, errands, or around town.
Preparing and serving healthy meals and snacks that meet the dietary needs of the individual.
Household chores like dusting, vacuuming, laundry, and general tidiness.
You don’t have to live in a facility to get this care. Seniors who want to stay in their homes can hire a homemaker, housekeeper, or in-home health aide to take care of personal and medical needs. There are also group homes that sometimes offer care in residential neighborhoods.
If you do move to a facility, you might be able to get your own room, apartment, or house depending on what the community can offer. These communities can provide added services like fitness classes, swimming pools, or social events and they often have a continuum of care. This service gives you the level of care you need as your health needs change.
Henderson has about ten assisted living facilities in the area.
Nevada assisted living facilities, by law, must provide 24-hour supervision, laundry, housekeeping, meals, snacks, and supportive care as needed.
An assisted living facility cannot take in an individual unable to remove themselves from a dangerous area to a safe one.
Three residents are permitted in each room in Nevada facilities, but each resident must have at least 60 square feet of floor space to themselves.
Nevada Medicaid covers two non-nursing home residential care, Waiver for Assisted Living and Waiver for the Elderly in Adult Residential Care.
In Henderson, the costs for assisted living are near or lower the national average costs. According to the Genworth Cost of Care Survey in 2016, it cost about $34,200 per year to stay in an assisted living facility in Henderson. The national average for assisted living was $43,539 annually. The cost of assisted living is expected to rise about 1% over the next five years.
In-home care costs in Henderson were also a little lower with homemakers costing $45,760 and home health aides costing $42,328 annually. The national averages were at $45,760 and $46,332 respectively. Fortunately, these costs will stay the same or decrease by 1% over the next five years.
As you look at facilities and assisted living care, you need to ask a lot of questions. Learning as much as you can about each place will help give you an idea of the services you get for what you pay. It can also help you know which place to choose based on their services, extra care, and continuum of care.
Here are just a few questions you can ask during your search:
Is there a continuum of care? What does that include for residents? Will it change the cost?
Can I see the residency agreement?
Can I see the service provider’s consumer disclosure that explains all fees, services, and costs?
Will I need renter’s insurance? Is it required?
What are the rules on billing and payment? Are they easy to understand and fair?
Can I use independent service providers for non-medical needs?
What food is on the meal plan? Are there snacks to supplement?
Can guests bring meals and food to residents?
Do you accept Medicaid?
What are the refund and transfer policies?
Are utilities included in the cost or extra?
Are pets allowed? Is there a pet deposit or restrictions on breed and size?
Are there housekeeping services and what do they include?
Is there a transportation service? Where does it go?
These are questions adapted from the Assisted Living Federation of America’s Guide to Choosing an Assisted Living Community.
If the cost of senior living has you worried, there are a few ways that you can save money. First, decide whether in-home care or facility care is a better financial choice for your situation. If you own your house and you can easily get around, then in-home care could be more cost efficient. If you still have a mortgage or it’s just become too much to take care of on your own, a facility might be a better option.
If you decide to go with a facility, you might be able to get a roommate. This option can help cut your costs in half but some communities don’t allow you to share costs with another resident. If it is allowed, give it a trial run before you commit to living together long-term.
Low-income seniors with few assets might be able to find a facility that will operate on a sliding scale rate. A sliding scale rate means they will look at your budget and total assets and come up with a price that you can afford. Not every facility has this option, but it doesn’t hurt to ask.
If you qualify for Medicaid, then you can use those funds to pay for your care, whether it’s in-home or in a facility. If you’re a veteran, you can check your benefits to see which assisted living options are available. Long-term care insurance can also help pay for care but go over your policy carefully to see if you have the coverage you need.
Homeowners can sell their house and use the profit to cover their care. If that isn’t an option for you, you might be able to use a reverse mortgage to use the equity in your house for care. This option can come with some financial and legal consequences, so be sure to contact a financial professional first.
Find assisted living in Henderson near you.