In view of the rising costs of assisted living in the USA, commoners are always under pressure to bear such costs for their loved ones, especially when the costs are not covered by Medicare. But according to reliable sources, there is information that certain average assisted living costs covered by Medicare can be obtained. Here is a guide that can help you to take an informed decision on whether to give your loved one to an assisted living community or a nursing home.
Benefit from Medicare through an indirect way
Although Medicaid is an insurance provider who provides coverage of the costs of assisted living, there are ways by which you can avail the benefit from Medicare through an indirect way. Most assisted living facilities offer services in skilled health care, such as treatment for wounds that are provided by a qualified and trained nurse, and is thus covered by Medicare. Other costs of medical care which are mentioned in Part A and Part B under the Medical Advantage Plans such as eye care and dental care, are also covered by Medicare. Routine checkups, cost of fitness programs and prescription drugs are also covered by Medicare provided there is an agreement to the effect with the concerned assisted living facility.
If a resident of an assisted living facility is required to stay in a nursing home for a short period that does not exceed 5 days, the benefit of coverage of such costs by Medicare could be availed. According to survey, the average assisted living costs covered by Medicare is $ 3,150, which comes to about $ 42,000 per year, but the costs vary from state to state in the USA. There are some states where the average cost is on the higher side, whereas there are states where such average costs can be within your budget. There are certain insurance plans introduced by Medicare that offer coverage of costs for certain expenses of assisted living for seniors. To get a detailed and authentic information about average assisted living costs covered by Medicare, you will need a little bit of search on the internet, where you will get a complete list of states in the USA with their respective average cost of assisted living.
So, before you decide to give your loved one to an assisted living community, check the average costs that can help you to take an informed decision.