When you think of certain areas of New York City, you think of high-rise buildings, upscale restaurants, designer clothes, and all things expensive. It’s true, New York can be an expensive city compared to the rest of the state and the rest of the country, but that doesn’t necessarily mean that nursing homes in the area have to be costly too. Yes, the costs are higher, but there are plenty of options and ways to make a nursing home stay fit your budget and needs.
New York has the highest nursing home population with California coming in at 2nd and Texas at 3rd.
7.8% of the U.S. population resides in nursing homes in New York.
6 out of 10 New Yorkers report being worried about affording long-term care in the future.
The top reason for 50+ New Yorkers not buying a long-term care insurance policy is the cost.
When you look at the numbers and cost for nursing homes in New York, it is going to be much higher than the national average. However, don’t get disheartened just yet because these averages are only a part of the picture. In 2015, a semi-private room averaged in $80,300 in the United States and $146,000 in the Bronx. A private room bumped the U.S. average up to $91,250, and the Bronx up to $153,300.
Yes, those numbers are high, but they are also not exactly what you are going to pay for your nursing home. There are over 20 different facilities in New York and each one has a wide price range. You can also look into different neighborhoods within the New York area and find a much lower cost.
So, what exactly is included in a nursing home? There are many different services provided in these facilities, but one of the main features is the medical team that is on staff. These include doctors, nurses, therapist, and outside specialists who will be able to handle any medical need or emergency that might pop up. If you have a pre-existing condition like diabetes or heart disease, they will take care of that as well as treat wounds, administer medication, and scheduled therapy appointments.
Nursing homes are also usually a place where most residents will live out the remainder of their life, so the staff is highly trained in hospice care and end-of-life procedures. They can offer the proper care and support to their patients as well as the patient’s family. You will also have other basic needs met like mental health screenings, specially prepared and highly nutritious meals, and daily exercise for strength and mobility.
Now, beyond the medical side of a nursing home, there is also the daily life dimension. A nursing home is just as much a home as a medical facility and staff want to make sure the residents enjoy a good quality of life. Many places will have an activities director on staff that will organize entertainment and a daily schedule of activities for the residents. This can include theme nights, events like bingo or a movie screening, live performances from local groups, and, if possible, day trips or outings so you can enjoy everything New York has to offer.
You want to find a place that will meet all of your needs and requirements and that is going to take a little research. Make a list of what you need and start visiting places that fulfill those requirements. Talk with the director and ask to see the state inspection report and ask all possible questions at this time. If there are any deficiencies in the report, ask how they are working to correct them.
It’s also important to interact with the staff and other residents so you can start to get a feel for the place. Try to tour the facility, look at the living spaces as well as the communal areas, and even eat a meal with current residents. All of these steps will help you choose the right place and feel comfortable in your new home.
You have a few options when it comes to paying for a nursing home. If you have a long-term care insurance policy, now is the time to use it and talk with your agent to see what is covered. You can also look into Medicaid as a way to cover your long-term care. This coverage is for low-income families and if you meet the requirements, you can get a large portion of your cost taken care of.
Veteran’s need to check with their local office to see if their VA benefits include nursing home coverage or if there is a dedicated home for veterans in their state. You can also set up a meeting with the Life Care Funding Group to explore even more financial options for nursing homes.
Find assisted living in New York near you.