10. Ways to pay for a Nursing Home in New York

Ways to pay for a Nursing Home in New York City.

There are many various ways to pay for a Nursing Home.

Paying for Nursing Homes:

Paying for nursing home care is a major concern for most individuals. If persons enter a nursing home directly from a hospital, Medicare will often pay, but only for a limited time, and this can be a major hurdle..

The financial toll of a nursing home stay can affect the entire family, and sometimes in various circumstances everyone needs to chip in.
Medicaid is regulated by both federal and state laws and provides funding that will pay most nursing home costs for people with limited income and assets. Eligibility for Medicaid varies by state and is provided only to persons in Medicaid-certified facilities.

A Medicaid-certified nursing home must continue to provide care for a resident whose personal funds are spent while residing there.

A nursing home that does not participate in the Medicaid program can discharge the resident. Some nursing homes try to avoid admitting residents who are currently or will soon become Medicaid recipients as they can charge private paying residents a higher fee than they would receive under the Medicaid program. They will only do things that are usually benificial to their facility.

Things can sometimes get a little complicated.

And it can get a little tricky. It’s important to always make sure that you always do a diligent research to get as much information as you can get.

If you will be relying on Medicaid from the beginning, find out if the nursing homes you are considering accept Medicaid residents.

Medicare, which pays for a number of health care services including hospitalization and limited nursing home stays for episodic illness, will not pay for long-term care in a nursing home.

If the older person has long-term care insurance, this can, under certain circumstances, be used to pay nursing homes expenses.
If you are considering purchasing long-term care insurance for possible future use, be sure to check the costs carefully, read the small print, and review the background and track record of the company involved.  All aways make sure to do  a diligent research before signing anything. 

It is currently recommended that people consider purchasing long-term care insurance as they approach the age of fifty. Premiums for long-term care insurance increase as one ages and vary in cost with the number of chronic conditions present and type of coverage desired.

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7. Alternatives to Nursing Home Care in New York

What are some of the alternatives for a Nursing Home in New York City

There are various alternatives to going into a Nursing Home

Among These alternatives includes:

Adult Day Care is used commonly for patients with dementia who need supervision and assistance with their activities of daily living (ADLs) such as toileting, bathing, eating etc., while primary caregivers work.
Assisted living facilities are residential facilities that provide individual rooms, two to three daily meals, and activities for senior citizens who can no longer live alone but do not require 24-hour nursing supervision.

These facilities are sometimes referred to as congregate care or congregate living facilities and have grown in number recently. Assisted living facilities provide 24-hour on-site support and assistance including help with medicines and personal hygiene. Many assisted living facilities offer a secured Alzheimer’s unit..

These facilities are prohibited from providing skilled nursing services and are regulated under a different set of state regulations than those governing a nursing home. If skilled nursing services are required, these services can be provided by a separate home health agency as directed by a doctor or his or her designee.

There is no doctor involvement in the plan of care for an individual residing in an assisted living facility nor are doctors required to visit, either by state or federal law. An older adult still should receive primary care from their community physician or from a physician who may have an office practice on site at an AL facility.

Board and care homes are generally smaller, more home-like residences for individuals who can no longer live independently. These facilities provide room, board, and assistance with some activities including managing medicines and help with personal hygiene.

Fees and services vary from one site to another. The size of the residence determines whether or not it is regulated by a state agency and this varies from state to state.  Again make sure to do your diligent research before signing up for anything.

Sheltered Housing is subsidized through Housing and Urban Development. Programs may be supplemented by social work services and activities coordinators. Personal care assistance, housekeeping services and meals are sometimes offered.  The rules and regulations for these housings can vary from shelter to shelter.

Continuing care retirement communities (CCRCs) usually have all levels of living arrangements, ranging from independent living to nursing home care. The financial requirements for a person to enter a CCRC will vary according to whether health care is included in the total cost or charged only if used. In general, CCRCs are reluctant to accept people directly into the assisted living or nursing home facilities.

These are just some of the few alternatives that your loved one can do instead of being in a nursing home, it is your job to do more research to find the perfect place for your loved ones.  Make sure to visit seniorhug.com often to find the right Nursing Homes in New York City for your loved ones.