I am looking for assisted-living for a family member, but I’m afraid that the national average is too expensive. Does anybody have a similar experience? Or have any idea of pricing?
Comments
TheZachster t1_ix83lnu wrote
Went through this with family in early 2020. The more expensive places were about 11k/month, the less expensive places were about 9k/month.
ryrypizza t1_ix8ldho wrote
Yep. Know someone at Sunrise in Randolph. They pay at least 11-12k a month.
My gram just moved to a place in Belvidere, I think it's only $6k(or maybe 8?)a month, and it is pretty nice!
TheZachster t1_ix8tqed wrote
yes mine was bergen county. It's also how they phrase things. For example Sunrise specifically mentions how they do hospice service (Sunrise was most expensive at 11-12/month), and others may not do hospice service, but they can accommodate hospice coming in and doing everything (that medicare pays for). Essentially the same service, but the more expensive ones phrase it differently. My loved one ended up going to a place that was about 8-9 a month. It was a Brookdale that was bought by Juniper. We liked that it was close to family, and also that the head nurse had been working there for ~15 years consecutively. Figured if they treated their employees well enough to stay a long time, the residents are also treated well. It had its minor hiccups, but ultimately was the right place for the duration that my family member was there. Having it close enough to regularly visit (multiple times per week) is really important. If the staff knows you, they'll treat your loved one better (in my opinion).
mxvu OP t1_ixg13ke wrote
I’ve seen that chain around NNJ / Bergen county. What exactly is included?
TheZachster t1_ixh92tu wrote
feel free to DM if you want to discuss, i think I visited 3 or 4 places before we chose what became juniper. It includes mostly everything that occurs in the facility. Nurse on staff, single room, food, etc. doesnt cover hospital visits, ambulance, etc that occurs outside facility.
mxvu OP t1_ixg0ysb wrote
Whoa, 9k a month?! I was hoping for 2-4k!!!
TheZachster t1_ixh993s wrote
Yes i think it started at 8-8.5k but was 9 by the end. This was for a single room. When they get on medicade and cant pay they get moved into a shared room that looks similar to a hotel room or college dorm. No experience with medicade though
mxvu OP t1_ixpejt6 wrote
Did your person use Medicare to cover some of the cost?
TheZachster t1_ixqiu39 wrote
used medicare as much as possible along with their pension which covered some things. but there was also some financial planning and many tricks used years before they went into nursing home. I recommend speaking to an elder lawyer about the financial planning otherwise medicare/medicaid will take everything they have.
JustSomeGuy_56 t1_ix8cvrv wrote
Pre COVID we were paying ~6,000/month Ocean County
bros402 t1_ix8feyl wrote
9-11
Special_FX_B t1_ixb2zaj wrote
Monmouth County 2012 $4500 - 2017 $6500. Every reason to believe it would be at least $8500 now.
mxvu OP t1_ixg1ftu wrote
Thank you for your reply. Did Medicare or insurance cover any of your cost?
Special_FX_B t1_ixg90vn wrote
Not Medicare. She had a Long Term Care policy. In about five years they siphoned off almost all of her assets, $650K. She was going to have to go on Medicaid in a couple of months but she got sick and passed away.
mxvu OP t1_ixpeoo2 wrote
So they slowly accumulated her bank accounts, properties, any assets to offset to balance of the assisted living? I’ve heard of this, but didn’t know it was part of a policy per se.
Special_FX_B t1_ixqf6fl wrote
It’s not. The insurance paid a portion of the cost. The rest came from pensions, Social Security and other assets she had accumulated.
mxvu OP t1_ixybhuy wrote
Oh boy. Did insurance cover a decent amount?
Special_FX_B t1_ixyo9d1 wrote
She bought the policy with a lump sum of about $100,000. I think it paid about $1,700 a month.
Jforjustice t1_ixfpclw wrote
Somerset county, the nice ones are 13k+ a month
Linenoise77 t1_ix83jy6 wrote
If you are looking at national averages for figures, its safe to assume that we are going to be well above that.