Confused about what insurance covers? Wondering if you or your loved one will be able to afford the necessary services? Trying to figure out the different avenues of paying for everything? You’re not alone. We’re here to help you through it.

Although every situation is unique, here are answers to some of the most common questions people have about the costs associated with assisted living, rehabilitation and long-term care.

Frequently Asked Questions About Paying for Assisted Living, Rehabilitation and Long-Term Care

Assisted Living Cost Questions

The cost of assisted living depends on the community you choose, as well as the apartment type. In general, Genworth Financial estimates that the 2019 average monthly cost of a Columbus, Ohio assisted living community is $4,295.

At MacIntosh, the monthly cost of an assisted living apartment depends on two factors: the apartment rate and the level of care rate, which is determined by an assessment that is completed prior to moving in. It varies by resident, but the monthly rate at a MacIntosh assisted living community can range from around $4,000-$5,000.

Medicare does not cover assisted living.

When it comes to Medicaid, some assisted living communities accept the Ohio Medicaid assisted living waiver, which can help with the cost of assisted living. Whetstone Rehabilitation Center, Skilled Nursing & Assisted Living is one such community. However, the resident must first have completed two or more years of private pay before this option is available.

Most assisted living communities are private-pay. Most private health insurance plans do not cover the cost of assisted living.

If you have a long-term care insurance plan (which is different from traditional health insurance) that will likely cover assisted living. Coverage varies by plan, so you will need to ask your provider if you have any questions.

Many residents worry that they will not be able to afford assisted living or that they will run out of funds while living at a MacIntosh community. Rest assured, we do our best to financially qualify each resident to make sure that doesn’t happen.

We collect a financial application prior to move-in and go over a resident’s finances with them to determine if they are a good fit and will be able to afford the cost of assisted living.

Residents at MacIntosh assisted living communities have everything they need to live fulfilling, healthy lives. We offer private suites, delicious dining, housekeeping and linen services, medication management, health and wellness monitoring, assistance with bathing, dressing and grooming, social programming, recreational activities, community spaces and more.

Long-Term Care and Skilled Nursing Cost Questions

The cost of long-term care varies with each resident.  However, to give you an idea of cost, Genworth Financial estimates that the 2019 average cost of a Columbus, Ohio long-term care community is $248 per day ($7,550 per month) for a semi-private room and $289 per day ($8,803 per month) for a private room.

Medicare will not cover extended stays in long-term care. However, if you have recently been hospitalized for 3 or more nights, Medicare may cover all or part of the cost of skilled nursing for up to 100 days.

Medicaid does cover long-term care services at Medicaid-certified communities as long as the patient meets certain eligibility requirements.

It depends on the policy. Check with your provider if you have questions about your coverage.

If you have a long-term care insurance policy, it will likely help cover room and board at a long-term care community.

Before you come to stay with us in a MacIntosh care community, we do our best to financially qualify you and go over the costs associated with long-term care to make sure you’re able to afford it. Our experts will be able to answer your financial questions specific to your individual situation so you don’t have to worry.

The cost of long-term care at one of our care communities includes rooms with in-room amenities, personal laundry and linen service, activities and outings, dining, community spaces, personal billing assistance and more.

Rehabilitation Cost Questions

Most rehabilitation centers charge a daily rate. Genworth Financial estimates that the 2019 average cost of a Columbus, Ohio skilled nursing and rehabilitation center is $248 per day for a semi-private room and $289 for a private room.

Most Medicare plans cover up to 100 days of rehab if you meet the guidelines.

If you qualify for it, Medicaid does help cover rehabilitation needed due to injury, disability or illness.

Your private insurance may cover your rehabilitation, but the time periods they cover will vary by plan. If you are unsure of what your plan will cover, you can contact the MacIntosh community you’re interested in and we can reach out to your insurance provider to obtain the necessary information.

Each MacIntosh care community has financial service resource coordinators to help you or your loved one explore options for paying for inpatient or outpatient rehabilitation.

While receiving inpatient rehabilitation services at a MacIntosh care community, patients have access to therapy and nursing services, meals and activities. They’ll also be able to enjoy personal laundry and linen services, activities and outings, transportation and more.

Still have questions?

If you have any other questions, feel free to contact us. One of our experts will help you with questions specific to your individual needs and financial situation.