If you need more support than is available in your home but are not in need of long-term care in a nursing home, you may consider an assisted or independent living facility. Be sure to confirm what services are offered at a specific facility.
- Independent Living –
Here you are expected to manage your own life, but you are usually welcome to use the dining facilities and a meal may be included in your price. You can enjoy the social programs and other amenities (for example, residential services and on-site health care).
- Assisted Living –
More services are available here than in an independent living facility. Services may include extra help with dressing and bathing, and other personal care and daily activities, although not full-time. Additional services may include access to a full-service dining room, daily housekeeping, and laundry service.
Nursing Home care offers skilled care and custodial care, meaning the necessary medical and nursing care, as well as help with activities of daily living. Several facilities in Westchester offer a continuum of care on the same campus – Independent Living, Assisted Living, and Nursing Home.
To be sure that you find the right/most appropriate nursing home or community of services for yourself or your family member, it is important to visit the facility and to ask questions. Discussions with your primary provider and other team members are important to guarantee that you look into facilities that will best meet your needs now and in the future. Recommendations from friends are also helpful.
Most people who enter a nursing home will live out their lives there. It is important to discuss which hospice services are available to you or your family member within the facility you are considering. You can ask this of the nursing home or contact a hospice provider directly to assure access when it will be needed.
Medicare and commercial insurance do not cover payments for nursing home care since the primary care provided is custodial. Payment for this care is usually out of pocket or by Medicaid. Planning for this can be done with a social worker, elder law attorney, or financial planner.