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Nursing home costs are a major consideration when shopping for suitable nursing home care for yourself or a loved one. Depending on the part of the country a prospective resident lived in, the average nursing home costs can range from $45,000 to $65,000 each year. Recent statistics show that nursing home costs average $168 per day, up ten percent from two years ago. Nursing home costs depend on the type of service that is required, the type of facility that provides this service, the geographic location of a residential home, and how nursing home costs will be covered.

There are a variety of ways that nursing home costs are covered. All facilities will accept direct payment of nursing home costs from residents. It is estimated that fifty percent of residents pay their nursing home costs from their personal savings and the like. Approximately one-third of all nursing home costs are covered by the friends and family of a resident. The Veteran''s Administration and other government groups, as well as private insurance companies and HMOs, have contractual agreements with many nursing homes to help residents cover nursing home costs.

Under specific circumstances, Medicaid and Medicare federal government assistance programs will pay part or all of a resident''s nursing home costs. Medicaid is a program that provides assistance to low income Americans, while Medicare is a federal health insurance program for people over the age of 65. Some state Medicaid programs cover nursing home costs for 50 to 70 percent of residents, though a depletion of personal resources may be required. Medicare will cover the first 20 to 100 days of skilled nursing home care in an approved facility if the resident meets certain requirements. After 20 days a patient may be required to cover a portion of the nursing home costs. Generally these programs help pay nursing home costs when a person needs frequent (if not daily) medical treatment. These programs do not cover nursing home costs for custodial care, which is daily non-medical living assistance. In many cases, it is wise not to depend on these programs to adequately cover nursing home costs.

Nursing home costs depend also on the specific needs of the resident. In some cases, such as after an accident or injury, a patient will be checked into a nursing home for skilled or intermediate care for a period of recovery time. These patients may be discharged after recovery or long term care may be necessary. Nursing home costs may be long term from the beginning as many residents are checked in to a nursing home because they are terminally ill or are no longer able to care for themselves.

Nursing home costs may be offset by insurance coverage. There are many types of nursing home insurance available to help patients cover nursing home costs. The best way to learn more about these services is to contact plan providers, as benefits and costs of these plans widely vary. When looking for a nursing home, it is important to research not only nursing home costs, but also the integrity and reputation of the facilities you consider. Nursing home abuse is a widespread and devastating phenomenon in our nation. State and federal nursing home inspection results can be a good source of information as well as personal investigation of prospective facilities.

"Kane Regional Center’s Glen Hazel Abuse Case"

Five former employees of a Pittsburgh nursing home facility, Kane Regional Center’s Glen Hazel, were recently arrested for abusing an elderly patient. The five individuals were all charged with » Read More

 

"Virgil Calvert Center Abuse Lawsuit"

A personal injury attorney in Illinois has filed a lawsuit against Virgil Calvert Nursing and Rehabilitation Center on behalf of a former resident, claiming she developed decubitus ulcers as a result of » Read More

 

"Caregiver arrested, and Suspected of More Abuse"

A former caregiver was arrested Oct. 2 following a nearly year-long investigation of the death of an 80-year old resident of a senior living facility in Calabasas. Cesar Ulloa is also suspected of abusing three other elderly residents of the home.

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» Read More

 

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