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How Much Do Miami Nursing Homes Cost?

From the sandy beaches and luxury shopping of South Beach to the unique cultural flavor of Little Havana, Miami has something to offer everybody. Miami’s mild weather and picturesque location have made it a popular retirement destination among today’s seniors. The prices of nursing care in Miami are a little bit higher than the national median, but individuals that settle down in Miami are able to enjoy low tax rates, affordable healthcare, and inexpensive public transit throughout the city.

Florida nursing care facts and figures

In 2004, 67,770 Florida residents lived in nursing homes.

By 2014, just a decade later, around 73,275 Florida residents were living in nursing homes.

In a 2013 survey, over one quarter of Florida seniors over the age of 50 reported that they or a family member had received some form of long-term care in the past 5 years.

Nearly half of all seniors surveyed believed that they or a family member were likely to need long-term care within the next 5 years.

The cost of care in Miami nursing homes

Nursing home care in Miami is slightly more expensive than long-term care nationwide. While national median prices in 2015 hit $6,692 per month for a semi-private room in a nursing home and $7604 for a private room, the median prices in Miami reached $8,219 for a semi-private room and $8,882 for a private room.

Care costs in Miami may seem high, but the area offers a range of prices. Prospective residents can find anything from luxury nursing homes with beachfront views to affordable, quality care located in the vibrant districts of downtown Miami. There are several dozen nursing homes to choose from located throughout the city, each catering to a different community and budget.

Your nursing home experience

There is no such thing as a typical nursing home. While one facility may only provide the bare bones of care, another may offer gourmet dining options and spa services. Some nursing homes even allow residents to bring their pets with them. It’s important to find a nursing home that offers the services that you need to stay healthy and comfortable. Miami is home to dozens of nursing homes that are bound to suit any lifestyle.

All nursing facilities strive to provide top-notch medical care for residents. At a nursing home, you will find a registered nurse and certified nursing assistants on call 24/7 to assist residents with their medical needs. Staff members are also on hand to help with daily living activities such as bathing, dressing and eating. Since many seniors in long-term care are unable to cook for themselves, nursing homes offer nutritionally rich dining options that are served throughout the day.

Ways to save on Miami nursing home care

Long-term care in a quality nursing facility can become expensive over the years. Some seniors are able to cover nursing home expenses through passive income or savings, but many Florida residents don’t have that much money stored up in the bank. Medicaid, along with many private insurance and HMO plans, doesn’t offer extensive coverage for nursing home patients. Taking out a long-term care insurance policy can help you to pay for nursing care, but the policy must be taken out before care is required.

If you find yourself in need of quick cash, selling your house may be a viable option to help pay for permanent nursing care. You also have the option of taking out a reverse mortgage, if someone is still living independently at home. Some seniors choose to bequeath their property to friends or family, and instead cash out a life insurance policy to front the initial costs of nursing home care. Before using your home or life insurance policy to pay for care costs, make sure to discuss the legal and financial ramifications with your lawyer, tax advisor and estate planner.

Many seniors don’t have the financial means to pay for care in a nursing home on their own and don’t own property that they are able to sell for cash. Low-income, limited-asset Miami seniors can still access quality health care by applying for state Medicaid benefits. Veterans living in Miami that require long-term care can apply for the VA Aid & Attendance pension to help pay for nursing services. You or your spouse can find out if you are a qualifying veteran by contacting the St. Petersburg VA regional benefit office.

Learn more about Miami Senior Living here:

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Miami Low-Income Senior Housing

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Pet-Friendly Senior Living in Miami

Catholic Health Care in Miami

Protestant Assisted Living in Miami

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