Cost of Memory Care
If you have a LO in memory care or you've done some pricing please post the prices you've found/paid and whether Medicaid or Medicare cover any of the cost.
I am in Massachusetts and the average cost of memory care (according to Google) is $8,500.
I am sure you can pay much more.
Thank you!
Comments
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sounds about right. MIL was in Maryland. No Medicaid/Medicare coverage. I figured that by the time she used up all her savings, if I had to move her to a not-as-nice facility she would probably no longer notice her surroundings. But as it turned out, she lived less than 2 years after going into MC (cancer did her in).
Make sure to factor in major increases in rent and also in the charges for ‘level of care’. These probably differ by facility but get a copy of the lease in advance f you can. Good luck.
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My grandmother was in WA. Her MC ran about $7000/month 3 years ago. This was not the highest level of care(it was about one or two levels to go…highest was maybe $8-9 thousand)and was for a semi-private room(shared bathroom between two bedrooms). It was private pay with the promise to allow her to age in place and have a Medicaid bed when her funds ran out. This did not cover “disposables” (gloves, soap, shampoo, incontinence wear, etc.), prescriptions or any of the “beauty parlor” extras(hairdresser, manicurist, etc.).
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That sounds quite reasonable for MA. I would confirm that this is an accurate estimate as some facilities lure folks in with a price based on a lower tier of care then their LO needs and then raise the tier and price almost immediately.
My aunt was in the MC unit of a CCRC outside of Boston 7 years ago for about that price. She was self-pay as her facility did not accept Medicaid. During that period of time her sister was in some sort of low-income AL with a HCBS waiver paying for some care around meds management and ADLs but family paying the room & board portion of the cost. This was a bad fit as it was not dementia-informed care and things went sideways after a fall requiring a transfer to a SNF. At the same time dad was in a MCF in PA for about $7200. Monthly costs can vary a great deal depending on COL of the community. There was another member here whose DH was in a facility operated by the same parent company and branding in a different part of the state who was paying just under $6K.
Medicare continued to cover dad's medical expenses in care including some PT ordered by the facility's doctor.
HB0 -
Good morning,
Private room @ $8800 in Hampton Roads, VA., without any tiered payment. Semi-private was not going to be a good fit for Mom when she moved in. She'll be able to stay at the facility if she needs to go on Medicaid. Medicare and her private insurance have covered most of her medical requirements so far. We provide for her incontinence needs, bed & bath linens, laundry ($25/week), and personal care items.
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Thanks to everyone for the responses. It seems like best bet is to enter as self-pay? Even though he's currently on Medicaid?
Anyway, yesterday and for a few days before that were bad for me—since last night my mood has lifted. The pressures of Xmas have passed. He's showered, acting sweet as can be and happy. It's just draining no matter how you slice it and it's a bumpy road. I don't envision placement until he gets out of hand—if ever—just want to know my options. Good luck to everyone.
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@AlzWife2023
Entering as a self-pay resident tends to give more options if you anticipate needing institutional Medicaid at some point. Many of the nicer places that accept both have a limited number of beds designated for Medicaid recipients. Current residents who have spend down as self-pay will get first dibs on those beds which means getting one directly from home could mean a significant wait list.
Another point to consider about MCFs is that most require a resident to be ambulatory (some will allow a wheelchair if the PWD has used it long-term) and self-feeding. A fall with a broken hip or a stroke can take a MCF off the table in an instant leaving only SNFs as an option.
HB2 -
@harshedbuzz thank you for this very good information
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in Portland OR $8500 seems to be the average. After a brief stay in memory care I brought my wife home and supplemented with home health care and it has worked out for the past year.
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One facility in the Boston area quoted me 13,000/month and another is 15,000/month. I haven't looked further into it so I don't know about Medicaid/Medicare coverage.
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Just under $6,000/mo. for a hospitality-mode MCF in the Pittsburgh suburbs, according to my neighbor whose mother resides there. However, the facility will not allow the resident to continue to live there once they become a 2-person transfer.
DH is in an ALF with 5 levels of additional services and is in hospice care. I'm now paying $7,704/mo., not including cable and laundry, for the room and top level of care. If he were not in hospice care, he could not continue to live there because he has a chronic Foley catheter. He would then have to live in a nursing home. A year ago the nursing homes were charging $15,000-$18,000/mo. for private pay. We do not qualify for Medicaid because DH's pension is too high (though nowhere near even the $7700 we are paying).
Medicaid does not cover MCFs, ALFs or PCFs in Pennsylvania.
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In our area, major city on the east coast, AL costs about $9,000 a month. MC $12,000+ and a nursing home $15,000. Six years ago we had a family member in AL for about $5,500 a month and MC was around $7,000. Luckily DH is a vet who can go into a state home for nursing home care when needed but the closest one does not have a memory care wing. The homes with memory care wings are 3-5 hours away from us. And there are waiting lists for all of them.
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Wisconsin- I'm learning there's a range, $7-10k depending on location and all the other things (number of bird feeders per resident and landscaping budget - just kidding).
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Commonly Used Abbreviations
DH = Dear Husband
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POA = Power of Attorney
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