Any type of eldercare facility which you deem necessary for you or a loved one may come as a confusing world to be in. You are likely to come across common terms and phrases describing every facility as well as the benefits each present so learn about them beforehand. Here are some of the terms you can learn about so read on.
There are many types of care and they all seem to have at least half a dozen different names associated with them. For instance, one choice is assisted living. This also can be called an adult living facility, domiciliary care, sheltered housing or even a community based retirement facility. In general, these are communities that include private apartments for residents. The monthly fees vary on the size of your apartment, but services typically include full meal services, a host of activities, an exercise facility and some basic help with daily personal chores. Rarely is any type of medical care provided, and the monthly fees are not covered by any type of government assistance.
Another option, though smaller, is the board and care facilities which cater to only five to six people or maybe less. The typical board and care is found in private residential homes and rates often include meals, services for laundry and housekeeping as well as daily help for chores but residents have private bedrooms, not apartments. Another term for this type is boarding home, group home or residential care home. There are times when Supplemental Security Income as benefits can pay for the fees, a portion or all. Also, a Medicaid 1915-c waiver can be equated with costs when living in some of these facilities.
Seniors with very low incomes are provided with extra income by the federal program that is the SSI or Supplemental Security Income. It enables seniors to pay for basic needs like food, clothing and shelter. This program was generally meant for elderly or those disabled or blind. One can use SSI for payment the costs in some board and care facilities but not really for nursing homes.
Another government program serving as a helpful resource for seniors is the Medicaid. This social health care program acts as health insurance and seniors receiving SSI benefits often automatically get enrolled here. Though sounding similar, you should note that Medicaid is different from Medicare. Even when Medicare provides insurance too, this is a trust fund wherein everyone who works pays for. This becomes similar in theory as with Social Security. Paychecks get deducted with a certain amount in order to cover for Medicare costs in the future. As for Medicaid and SSI, they are collected from the general tax dollars for the purpose of helping the poor, disabled, aged and unable to work given certain reasons.
Medicaid often can be used to pay for residence in a skilled nursing facility. This is often the only option for older adults who no longer can live alone, but cannot afford either assisted living or board and care or in-home care. Medicare can be used to pay for medical expenses in a nursing home, but not residential costs if you are simply living there but need no nursing care. These facilities also commonly are called nursing homes. Another option for those with a small income is a Veteran's care home, which obviously is open only to veterans and their spouses. Care ranges from independent living, assisted living and full skilled nursing care.
When selecting an option for eldercare anywhere in Orange or San Diego counties, consider contacting Care Placement. They can help you figure out what type of care is best suited to your needs and what fits best into your budget. From there, they can provide a list of suitable facilities for you to visit and compare, helping you make the best possible decision for care services.
There are many types of care and they all seem to have at least half a dozen different names associated with them. For instance, one choice is assisted living. This also can be called an adult living facility, domiciliary care, sheltered housing or even a community based retirement facility. In general, these are communities that include private apartments for residents. The monthly fees vary on the size of your apartment, but services typically include full meal services, a host of activities, an exercise facility and some basic help with daily personal chores. Rarely is any type of medical care provided, and the monthly fees are not covered by any type of government assistance.
Another option, though smaller, is the board and care facilities which cater to only five to six people or maybe less. The typical board and care is found in private residential homes and rates often include meals, services for laundry and housekeeping as well as daily help for chores but residents have private bedrooms, not apartments. Another term for this type is boarding home, group home or residential care home. There are times when Supplemental Security Income as benefits can pay for the fees, a portion or all. Also, a Medicaid 1915-c waiver can be equated with costs when living in some of these facilities.
Seniors with very low incomes are provided with extra income by the federal program that is the SSI or Supplemental Security Income. It enables seniors to pay for basic needs like food, clothing and shelter. This program was generally meant for elderly or those disabled or blind. One can use SSI for payment the costs in some board and care facilities but not really for nursing homes.
Another government program serving as a helpful resource for seniors is the Medicaid. This social health care program acts as health insurance and seniors receiving SSI benefits often automatically get enrolled here. Though sounding similar, you should note that Medicaid is different from Medicare. Even when Medicare provides insurance too, this is a trust fund wherein everyone who works pays for. This becomes similar in theory as with Social Security. Paychecks get deducted with a certain amount in order to cover for Medicare costs in the future. As for Medicaid and SSI, they are collected from the general tax dollars for the purpose of helping the poor, disabled, aged and unable to work given certain reasons.
Medicaid often can be used to pay for residence in a skilled nursing facility. This is often the only option for older adults who no longer can live alone, but cannot afford either assisted living or board and care or in-home care. Medicare can be used to pay for medical expenses in a nursing home, but not residential costs if you are simply living there but need no nursing care. These facilities also commonly are called nursing homes. Another option for those with a small income is a Veteran's care home, which obviously is open only to veterans and their spouses. Care ranges from independent living, assisted living and full skilled nursing care.
When selecting an option for eldercare anywhere in Orange or San Diego counties, consider contacting Care Placement. They can help you figure out what type of care is best suited to your needs and what fits best into your budget. From there, they can provide a list of suitable facilities for you to visit and compare, helping you make the best possible decision for care services.
About the Author:
Rue Nichols likes reading home health care blogs. For more information regarding the different type of eldercare options like an assisted living Aliso Viejo facility or to find more about options for board and care Laguna Woods, please check out the CarePlacement.com website today.
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