Page 16 - Senior Housing Directory 2016 South Cental Michigan
P. 16

COVERING COSTS FOR A SENIOR FACILITY
Covering Costs at an AFC,
HFA or Unlicensed Assisted Living
The cost of residing at an adult foster care home, a home for the aged or in unlicensed assisted living varies from facility to facility. Costs will also vary within a facility depending on the services received.
Some people can afford to pay fees from their own income and savings. Others may have purchased long term care insurance that pays all or part of the cost of assisted living. Unlike skilled nursing facilities, government financial assistance for assisted living is very limited. Many find it difficult to find affordable assisted living. And if private funds run out, it may be necessary to move to another facility
If you are considering moving into an ACH, HFA or unlicensed assisted living, one of the questions you should be asking yourself is, “How long can I afford to live in this facility?” You should consider not only current costs and fees, but future in- creases. You also need to think about how your care needs may change and how that will impact costs. See page 19 for a more detailed list of financial questions.
Government Assistance - MDCH
Some government assistance is available for residents of adult foster care homes and homes for the aged that meet strict eligibility standards. Additional assistance may be available for individuals who have
a developmental disability or who have a mental illness.
Veterans Administration
The Veterans Administration provides pension benefits to veterans, their spouses, and widows or widowers with limited incomes. Probably the most underutilized Veteran’s benefit available is the VA Aid and Attendance Pension. This benefit pays for home care, assisted living and adult foster care expenses, where traditionally, people would have to go into a
nursing home to have the government (Medicaid) help pay for their care. This benefit is a great alternative to Medicaid or even long-term-care insurance (for those who are not insurable). Information can be obtained by calling the Veterans Administration at 1-800- 827-1000.
Medicare and Medicaid
Medicare does not pay for room
and board. However, it will continue to pay for covered medical expenses, such as hospital care, prescribed home health services, and doctor visits. Medicaid
may be available to some residents.
It will not pay the fees for room and board, but it may pay medical expens-
es including prescription medicines. If you have questions about Medicare and Medicaid benefits, the Medicare Medicaid Assistance Program at 1-800-803-7174 can explain what programs are available and how to qualify.
Supplemental Security Income
The Social Security Administration runs an income supplement program
for low-income blind, aged, and disabled people. This program is called
Let us help you to piece together the puzzle after sudden illness or injury
MEDILODGE OF MARSHALL
879 E. Michigan Avenue, Marshall, MI 49068
269-781-4251
www.medilodgeofmarshall.com
Battle Creek Area
A Hand Up, Not A Hand Out
Senior Critical Home Repair & Wheelchair Ramp Program
These programs are available to low income seniors who have a need and an ability to repay a 0% interest loan.
To Find Out More About These Programs Call
269-966-2502
Help us live out our Mission by donating your unwanted furniture, appliances and home furnishings at our ReStore, 545 North Ave, Battle Creek, MI.
Pick-Up For Larger Items Available By Calling
269-441-1038
16 SENIOR HOUSING DIRECTORY | 2016
Aid and Attendance (A&A) is a special pension offered by the VA, which provides benefits for Veterans and their spouses who require the regular attendance of another person
to assist in their activities of daily living. There are four criteria to be met in
order to apply for A&A; military service, medical need, assets, and income.
Call


































































































   14   15   16   17   18