Nursing Home Care

Nursing homes provide long-term care for those who need skilled care. Services include medical, nursing, personal care, social, and assistance in ADL's (activities in daily living which include bathing, continence, dressing, eating, toileting, and transferring). They are generally reserved for patients not needing acute care but who need more attention than is provided in an assisted living facility. Today, only small percent of long-term care is in a nursing home. The balance is given in a home health care situation, adult day care, or in an assisted living facility.

Nursing homes are primarily engaged in providing nursing care and related services on an inpatient basis under a license issued by the Department of Public Health or the appropriate licensing agency of the state in which it is located. They provide a range of services from very skilled care for those seriously ill requiring close medical attention by a licensed nurse, and as little as custodial care provided by a nursing assistant.

The national average for a private room in a nursing home in 2016 is $92,345. Which is $253 per day, this is a 1.24% increase from last year. Frightening numbers for most of us to consider! And yet, two-thirds of the population will spend some time in a nursing home after the age of 65. (1.)To see the average cost of nursing home care in 2016, in your area please visit The Genworth 2016 Cost of Care Study.

For more helpful information on nursing home care, visit

Home Health Care

To say most of us would rather stay in our homes when the need for long-term care arises, is an understatement! Fortunately, just about all long term care insurance policies today provide home health care coverage. Staying at home is less expensive than a nursing home, although, you may have to pay the average $20 a hour, out of pocket, if you do not have long term care insurance. In which, these cost can add up quickly especially if you require around the clock care. (1.)

Home Care Services are household services provided by someone other than yourself when you are unable to do them. Services include, but are not limited to, nursing, personal care, homemaker or chore services, shopping, planning menus, preparing meals, home delivered meals, laundry, and light house cleaning and maintenance.

There are a few different levels of home health care, they include:

Homemaker Services - These aides help provide people with basic services to help them to be as independent as possible. These services include housekeeping, cooking, shopping and transportation.

Personal and Home Health Aides - These aides help the people with things like bathing, dressing, eating and taking medication.

Skilled In-Home Nursing Care - In-home and live-in nurses provide skilled nursing services like clinical assessment and monitoring, intravenous therapy, ventilator and tracheotomy management and cardiac care.

Hospice Care - Hospice care is an outpatient service by a licensed provider trained to ease the pain of the physical, emotional, social, and spiritual discomfort of one in the last phases of life because of terminal illness. They also provide supportive care to the primary caregiver and family. Hospice is usually provided in patients home, but may also be provided in a facility.

To see the average cost of care in 2017, in your area please visit The Genworth 2017 Cost of Care Study

For more information on home health care, visit

Assisted Living Care

Assisted living facility (AKA residential care) allows you to receive personal care you need while being as independent as possible. Assisted living facilities provide 24 hour access to care, it is a good choice for those who want more personal care than they receive in their home but do not need the skilled care provided in a nursing home. Assisted living facility is for those who need help with their ADL's (activities in daily living which include bathing, continence, dressing, eating, toileting, and transferring).

An assisted living facility will typically provide an apartment like room with an emergency call system, 3 meals a day, transportation, assistance with going to the bathroom, bathing, taking medication, etc, access to health and medical services, and laundry services.

The national average cost of assisted living care in 2016, is $3,628 a month, according to the Genworth 2016 Cost of Care Study. These costs are typically paid out of pocket unless it is covered under a long term care insurance policy.To see the average cost of assisted living facility care in 2016, in your area please visit The Genworth 2016 Cost of Care Study. For more information on assisted living facilities, visit 

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