The cost of living in California can be a little higher when compared to other states in the country and this sometimes holds true for nursing homes. Paying for long-term care in a nursing home can sometimes seem unattainable, but it doesn’t have to be. While San Diego rates can look expensive compared to other cities and states, there are ways to make long-term care affordable on any budget.
There are about 1,260 licensed nursing home facilities in the state of California and about 350,000 residents cared for by those facilities.
California has the second highest population of residents in nursing homes with New York coming in at number one.
89% of Americans want to stay at home for as long as possible and over 4 million people in California provide loved ones with in-home care.
The number of people in California 85+ will increase by 98% by the year 2030.
In 2015, the national average cost for an American to stay in a semi-private room in a nursing home was $80,300. The average state cost was $89,396, and San Diego’s average cost was $93,805. Those numbers for a private room in a nursing home went up to $91,250 for the U.S., $104,025 for California, and $127,750 for San Diego.
Yes, these nursing home costs tend to be expensive, but don’t let these numbers get you down right away. In the city of San Diego, you can find a large price range in nursing homes so you can find a place that fits your budget. You can also look into the surrounding neighborhoods and depending on the type of care that you need, the cost can be affected greatly.
Many people know that nursing homes are there to help people, but they aren’t entirely sure of everything that happens there. One of the biggest parts of a nursing home is always having medical staff nearby to take care of you. A team of nurses, nurse aides, doctors, therapist, and specialists are on hand to provide care for pre-existing conditions as well as any medical emergencies that may occur. Whether you need medications, therapy, or wound care, these health care providers can take care of you.
They might also be trained to deal with specific diseases like Alzheimer's or other forms of dementia as well as people who might be nearing the end of their life. They can provide hospice care to the patient as well as emotional support to the patient’s family. Nursing homes will also take care of other basic needs like daily fitness to keep residents healthy and strong, create and prepare healthy meals, and perform regular mental health tests.
A nursing facility will also be your home and not just a place to receive medical attention. Most places have a director that schedules activities throughout the week so the residents can enjoy a full life. There will be activities like arts and crafts, religious services and celebrations, possible movie screenings, classes, live performances from local groups, and perhaps even visits from therapy dogs. If you’re able, it is possible that a field trip or outing might be planned to enjoy the San Diego area.
Choosing a nursing home shouldn’t be taken lightly and you really need to do your research. It’s vital that you visit each place prepared with a list of questions to ask. It is your right to see the state inspection report for every nursing home you visit and you can ask questions about any deficiencies you find there.
During your visit, make sure you don’t only meet with the director, but meet the staff and current residents as well. Take a tour and see the various buildings and living spaces, ask residents how they enjoy their time there, and, if possible, eat a meal in the cafeteria. All of these things will help you narrow down your choices and find a home that fits your needs and makes you feel comfortable.
Once you find a nursing home that you want to move to, you need to find a way to pay for that stay. Make sure you shop around and only look at homes that fit within your budget and consider taking steps like getting a semi-private room instead of a private one because that can save you thousands of dollars per year. You can also consider selling or renting out your own home to cover the costs of long-term care.
You can also turn to insurance to see if there is any coverage for your costs there. Long-term care policies are an excellent way to get most, if not all of your care covered. Be sure to talk with your agent if you already have a policy to see what is covered. Medicaid is another option depending on whether you meet the requirements for your state, you could get up to two-thirds of your nursing home covered.
If you are a veteran, you should check your VA benefits to see if you have long-term care coverage. Also, check with your local office to see if your area has dedicated homes for vets. The Life Care Funding Group is another great resource to use to try and find additional funds for your care.
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