If you are planning on making Lexington your new home, you will need to consider all options for care including nursing home care. The rates in the “Horse Capital of the World” are comparable with the national average. There are several options for paying for care so the Bluegrass State shouldn’t be cause to break the bank.
The median rates for nursing home care in the state is lower than neighboring states including Ohio, Indiana, Virginia, and West Virginia.
There are as many as 289 Medicaid and Medicare certified nursing homes in Kentucky.
67 percent of the state’s nursing homes are nonprofit.
92 percent of the nursing homes are freestanding, while 8 percent are located inside of a hospital.
72 percent of the Kentucky skilled nursing facilities offer counseling.
The average daily rates for nursing homes in the Bluegrass State are comparable to the national average and are lower than a few of the neighboring states. According to the 2015 Genworth Cost of Care Survey for Kentucky, the national average for a semi-private room is $220 per day. In Lexington, you can share a room for $217 per day and save. At first glance, this may not seem like a large difference, however over the course of a year it saves you almost $2000.
The median daily rate for a private room is $250 on the national level. You can enjoy your privacy for a little more in Lexington at $261. The daily costs will vary from home to home locally and may be influenced by additional services.
You may need intensive 24-hour care at some point. Knowing what services are available at some Lexington nursing homes will make the transition smoother. Many offer long-term care and hospice, if needed. Places like Sayre Christian Village and Pine Meadows Health Care offer activities onsite and devotional services. Others like SunBridge Care and Rehabilitation provide rehabilitative services from an interdisciplinary team. Nutrition services and on-site beauty and barber shops may be available.
It is suggested to make an appointment to tour the facility and speak with staff and residents. Certain regulations must be followed. You should expect that you or your loved one will:
Have a comprehensive care plan from the beginning to maintain or improve functioning capacity.
Access to help from staff with daily activities like bathing, dressing, and eating.
Receive proper treatment maintain hearing and eyesight and proper devices will be provided.
Receive treatment for bladder incontinence or pressure sores.
Receive proper medication management and nutrition guidance.
There are other federal regulations that must be followed. You can rest easier knowing that those nursing homes that accept Medicare and Medicaid must adhere to these. Nursing homes like the Lexington Country Place and Northpoint/Lexington Healthcare Center accept both Medicaid and Medicare. Research and compare facilities using an online directory to complete a list of possible homes in Lexington.
Medicare will cover skilled nursing home care in a qualified skilled nursing setting. Medicare is broken into four parts: A, B, C, and D. Part A covers nursing home care for 100 days at a time. If the resident must stay for more than 100 days, insurance will need to be used or the resident must use private pay.
Kentucky’s Medicaid program covers nursing home care. To qualify, contact the Fayette County U.S. Department of Health and Human Services for an application. If approved, coverage could begin three months prior to applying. The long-term does not have a limit. Consult with a financial advisor if you own property or have a number of assets. There is a five year look-back law that the state must follow before approving Medicaid.
Consult an advisor before borrowing against your home or taking out a reverse mortgage. These are complicated options that can lead to foreclosure, if the rules are not followed. Life insurance policies normally used for death expenses can be cashed out early to pay for nursing home care. You should be aware that the insurance company may only pay a percentage of the total face value of the policy.
The VA Aid and Attendance pension covers nursing home care for Lexington residents that served in the armed forces during war time. The veteran’s spouse is also covered.
Consult an elder-law specialist to find other resources to help pay for care in Lexington.
Find assisted living in Lexington near you.