Naples is known for its high-end shopping and dining, but you don’t have to go high-end when it comes to nursing home care rates in the city. There are options available to help you finance short-term or long-term care.
Florida is home to 683 licensed nursing homes.
Florida Medicaid covers about 60 percent of all long-term care.
Medicaid and private pay patients typically have longer stays than Medicare patients.
Medicare does not cover long-term care, but will cover skilled nursing care in a skilled nursing facility.
Daily rates will vary depending on the location in Naples and what the nursing home offers in the way of additional services. The U.S. national average for a semi-private room is $220 per day and a private room is $250, according to the Genworth 2015 Cost of Care Survey for Florida. In Naples, a semi-private room averages $274 per day. A private room in the Naples-Immokalee-Marco area is $329 per day on average.
Single bed rooms cost more in general, however, they allow you and your visiting family to enjoy privacy while still being under supervised care.
Regulations must be followed for a nursing home to remain open and licensed. Facilities that accept Florida Medicaid and Medicare must adhere to these regulations like Harborchase of Naples.
To provide the best care to residents, the staff should provide an initial assessment and create a care plan. You or a loved one's basic needs should be met including any help with daily activities like dressing, bathing, and grooming. You should feel safe walking or standing with devices like walkers and wheelchairs under supervision to guard against accidents during your stay.
If you are under the care of the nursing home, the staff should see to it that you maintain your hearing and vision ability and provide necessary devices to help you hear and see better. If you are bedridden for a long period of time, the staff is responsible for keeping you from developing pressure sores, also known as bedsores. If you do develop these, then appropriate treatment should be provided.
Timely medication management and meals should be provided. Tour and speak with the administrator to make sure these and other regulations are being followed. Consider speaking to residents and their families for honest feedback.
Some nursing homes offer additional services like beauty and barber shops on-site, daily activities, indoor and outdoor activities, religious services, and counseling.
Florida’s Medicaid Long-Term Care Managed Care (LTCMC) plans can be used for nursing home care for Naples residents that qualify. You must meet both the medical and financial eligibility requirements to qualify.
You must require nursing home level of care due to a condition that needs around-the-clock care. Florida uses a screening program to assess need. This program is known as CARES (Comprehensive Assessment and Review for Long-Term Care Services). Once you are approved through the CARES assessment and enroll for a managed care plan, your doctor will need to prove your condition is medically necessary and will require nursing home care.
For financial eligibility, income from all sources is considered. SSI recipients are automatically approved. The reported income limits as of 2014 is $2,163 per month for an individual or $4,326 for a couple, if both are trying to qualify for LTCMC. Florida allows its nursing home residents on the LTCMC plan to keep a personal needs allowance each month with all other money directed towards care.
Medicare will cover 100 days of care at one time. After this time period, if you still need nursing home care, then insurance will need to be billed for the remainder. Medicaid can work as a secondary to Medicare and pick-up the remaining days if needed. If you receive both Medicare and Medicaid, make a list of nursing homes that accept both before committing to one.
Selling your home or applying for a reverse mortgage are options and considered “last resort” for many Naples residents. Selling or renting your home will provide a monthly income that could offset the nursing home rate.
Military veterans can contact the Veterans Administration about the VA Aid and Attendance pension, which covers nursing home care for those that served during wartime. Military spouses are eligible for the benefit.
Naples offers hundreds of nursing home facilities. Research and visit several before choosing the perfect one for you or your loved one.
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