There are many types of senior housing options available. Before you consider what option is best for you, you need to know how the industry defines these options so that our communication can be clear and precise.
Independent Living Community (IL)
These communities are generally made up of rental apartments that offer residents social and recreational opportunities, along with some meals, often two per day. Other services, such as housekeeping, transportation and home healthcare, may also be offered.
Assisted Living Community (AL)
Along with housing, these communities provide supportive services and healthcare to residents who need a bit more attention to activities of daily living, but who do not require full time skilled nursing care. ALs tend to provide social and recreational opportunities, three meals/day, housekeeping, laundry and transportation.
Skilled Nursing Facility (SNF) – Rehab or Short-Term Care
These facilities are state-licensed and provide 24/7 patient care, perfect for people recovering from hospitalizations or who have complex physical or cognitive conditions. These residents require assistance with multiple ADLs. Patients in an SNF must be admitted and followed by a physician, and the maximum length of stay is 100 days, with the first 20 days being paid for by Medicare, while days 21-100 require a co-payment.
Skilled Nursing Facility (SNF) – Residential Long-Term Care/Nursing Home
When a patient requires long-term care, they may move to a skilled nursing facility. Medicare generally doesn’t cover long-term care in a nursing home. Most nursing home residents begin paying for care with out-of-pocket funding, and, when they can no longer pay, residents may become eligible for Medicaid.
Continuing Care Retirement Communities (CCRC)
Many seniors hope to age in place, which is why they select a community that offers apartments with varying levels of assistance, referred to as Continuing Care Retirement Communities. Living in a CCRC often requires a long-term contract between the resident and the community, as well as a large buy-in fee.
Residential Care Home Assisted Living
A licensed Assisted Living Residence may be the best option for some people who require a good deal of supervision/care. Most RCHAL’s house just 2-8 residents, with a low patient to caregiver ratio. They likely provide all meals, and residents may eat together like a family.
Memory Care (MC)
A licensed Assisted Living Residence may be the best option for some people who require a good deal of supervision/care. Most RCHAL’s house just 2-8 residents, with a low patient to caregiver ratio. They likely provide all meals, and residents may eat together like a family.
