How Much Do Assisted Living Facilities Cost? 

Assisted living facilities can be expensive.

Some facilities offer extensive services, and money is needed to provide the proper staff and care. While retirement plans or private funds may cover some of the expenses, a resident's family might need to supplement the payments or find alternatives.

Many states require these institutions to disclose the full cost of care for incoming residents in order to prevent financial shock. Insurance is also available for the costs of an assisted living facility.

If you or a loved one are considering moving to an assisted living facility, it is important to know the legal and financial aspects of the arrangement. 

Using Medicare & Medicaid to Pay for Assisted Living 

Medicare is available for individuals and their spouses who qualify for Social Security benefits. This federal health insurance program may pay for some assisted living services, such as "skilled nursing care." 

The routine aspects of caring for an elderly or disabled person's daily needs may not be covered under the plan, but it can be helpful to seek small amounts of coverage if the services qualify. 

According to the National Senior Citizens Law Center, Medicaid may pay for the personal care services that Medicare does not. Individuals can qualify for Medicaid coverage if they have low incomes or resources. Each state regulates its own Medicaid services, so the requirements may vary. The Florida Agency for Health Care Administration lists the state's requirements here

Using Insurance Policies to Pay for Assisted Living

An additional method of financing assisted living comes from insurance policies. Individuals can purchase long term care insurance policies if they anticipate staying in an assisted living facility or medical care in their own homes. Florida has developed a partnership between insurers and medicaid to encourage its residents to purchase policies. To read more about the program, visit this website.

New residents may need to sign documents stating that they will abide by the rules established by the facility. These rules may be developed for many reasons, one of which being insurance coverage. However, it is important to read each document before signing it. Some rights may be waived as a result and this could lead to a legal dispute. 

Protecting Your Loved One's Rights

     Assisted living residents have the right to:

  • Be evaluated and informed of their medical condition.
  • Maintain privacy.
  • Form and participate in resident or family councils.
  • File a complaint without fear of retaliation.
  • Choose their own doctor.
  • Access equal care.
  • Refuse treatment.
  • Be free from abuse and restraint.
  • Access medical records.
  • Be aware of nursing home staffing requirements.

If your loved one suffers a personal injury as a result of someone else's negligence, it should be pursued by an experienced legal team. 

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