Did you know that 70% of US senior citizens above 65 years need long term care? But, unlike popular belief, Medicare does not cover long term care services? Yes! There are many myths and misconceptions about long term care in the United States. Thus, ensure you have the correct facts before choosing for a long term care facility near you. What are these facts?
What Determines The Final Cost Of Skilled Long Term Care In The United States?
The ultimate cost of long term care will vary according to:
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- Your unique need
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- Duration of care
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- Your current location
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- Your choice of a medical provider
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- Extra services sought beyond the available package and
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- Whether your long term care program is variable or not.
A home visit by a caregiver costs less on weekdays than during the holidays, weekends or evenings. Hence, consult a skilled nursing facility near you and work on a plan that is ideal for you.
Long Term Care Insurance vs. General Health Insurance: Which Is Best?
Long term care insurance offers more benefits, including: –
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- You’ll have access to long term care services beyond 90 days. But, the cover is quite diverse. So, familiarize yourself with what is or is not covered by the plan.
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- You can pay a discounted monthly premium if you buy the cover early on in life. Still, one needs to be cautious about the ‘lock in the rates’ clause in the policy. These discounted rates may rise in the future.
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- Filing claims under long term care insurance is an ongoing process.
As per the American Health Care Association, there are 15,655 skilled nursing care centers in the country. These facilities currently look after 1.4 million patients. It is only prudent to decide as early as possible on which insurance plan is best for you.
Medicaid vs. Private Insurance: Which one is best for your needs?
Did you know that in 2013, only 51% of the long term care services were through Medicaid? These services cater to
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- Skilled nursing facilities
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- In-home aid
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- Assisted living
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- Supportive housing
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- Community-based long-term care facilities near you
Hence, always compare Medicaid benefits against those of a private insurance provider.
Is Your Loved One Safe in the Nursing Home?
Did you know that patients with long term care needs rely on caregivers for their safety? Indeed, such persons are most vulnerable to safety problems. Thus, choose a rehab facility or a nursing care facility that at least: –
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- Performs ample background checks on all its potential caregivers. Such probes ensure no persons with illegal or abusive intentions attend to the long term care patients.
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- Install security systems like surveillance cameras in the rooms, entry, and exit points. Use door locks that use special codes to unlock.
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- Have enough light in corridors.
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- Allow nursing staff to report any abusive behavior either by colleagues or patients.
Rehab Facilities in St. Louis
Persons undergoing rehabilitation may also have ongoing cognitive or physical health limitations. Hence, it is best to choose a rehab facility near you that also provides long term care. There are at least 68 skilled nursing facilities in Kirkwood. If you live in this area, get to know the nursing home that also offers rehab facilities and save on extra costs.
What Next?
Are you finding it hard selecting a long term care service or a facility with the best services? We at Manor Grove can assist you with that. Our center is a long term care facility in Kirkwood. We have an in-depth understanding and experience in the industry. So, as we follow dynamics in the long term care industry in the US, we offer you and your family the care you deserve. We can’t wait to hear from you. Call us today!
