Assisted Living Residences, many of which are put up by large chains, are typically private-pay facilities that will cost you upwards of $3,000 a month; you pay the whole bill and the place you end up in usually resembles a grand hotel with three meals a day, housekeeping, activities, administration of meds, help with daily living such as bathing, etc.
But did you know there is another kind of Assisted Living covered by Medicaid called Medicaid Assisted Living Programs or ALPs?
Medicaid Assisted Living Programs allow people to age in place using home care services like aides and a medical team to care for them. They are the only residential care option that is covered by Medicaid, and they require a special state license. Assisted living covered by Medicaid includes room, board, housekeeping, meals, supervision with taking medications, personal care, such as help bathing, etc., case management and home health services; basically Medicaid helps pay monthly rent because it is much cheaper for them to foot the bill for the less intense supervision offered in assisted living, versus a nursing home, which is much more expensive. ALPs are for seniors who do not require 24 hour medical supervision.
Find Medicaid Assisted Living Programs (ALP’s) in your county. Many have waiting lists so make visits as soon as you think there will be a need for one.
What if my income is too high for a Medicaid ALP but I can’t afford to stay in a private pay Assisted Living Residence forever?
Basically, once your assets are depleted, the government will step in. You will receive assisted living covered by Medicaid, whether in an ALP facility or they will provide you with in-home services. Some Assisted Living private pay residences also have a separate section for Medicaid recipients; ask if the residence you are living in has ALP beds, ie., whether they accept Medicaid.