Assisted Living vs. Skilled Nursing

A Side-by-Side Comparison of Assisted Living and Skilled Nursing Care

Jeff Hoyt Jeff Hoyt Editor in Chief
Matthew Clem Matthew Clem Registered Nurse

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As you search for the right living options for yourself or someone you care about, you may find yourself wondering about the differences between assisted living and skilled nursing care. The biggest differences between the two are the level of care provided and who provides that care.

Assisted living and skilled nursing facilities are both long-term care options that provide a range of supportive medical, personal, and social services for people who can no longer meet their own basic living needs for extended periods of time.

Essentially, in assisted living communities, residents receive assistance with some activities of daily living (ADLs), while still handling most other activities on their own. In a skilled nursing facility, residents receive constant nursing care and need assistance with most, if not all, ADLs.

Assisted Living Communities

Assisted living communities provide care to older adults who can no longer safely live at home by themselves; however, assisted living residents don’t require the higher level of care a skilled nursing community provides. Assisted living communities encourage residents to live as independently as possible, while also providing needed assistance with ADLs such as (but not limited to) bathing, dressing, grooming, toileting assistance, and medication management. Staff is available around the clock to provide help when needed.

In an assisted living community, residents live in an apartment-style residence that may be private or semiprivate. Each apartment typically has a living area, dining area, small kitchen, and private bath. Although residents can choose to prepare their own meals and dine or entertain in their own apartments, centralized dining areas are typically available.

Large common areas are the norm, offering unlimited opportunities for socialization and providing residents with a feeling of community. Residents can often bring their own furniture and belongings, creating a truly homelike environment.

Assisted living communities focus on providing a healthy social environment with a calendar full of life-enriching activities; however, residents have the freedom to set their own schedules and pursue whatever interests and hobbies they desire. Most assisted living communities also make transportation available so residents can stay active in the community, attend church services, go to beauty appointments, and make other outings.

Assisted living communities have scheduled times for licensed nursing services; however, registered nurses (RNs) and/or licensed practical nurses (LPNs) are on call 24/7 when they aren’t onsite. They may or may not always be present. Medications are administered by a nurse or licensed medical technician.

Although assisted living communities don’t provide for medically intensive needs, they may partner with other healthcare professionals, such as home health agencies and hospice, to provide for a resident’s needs. For example, if outpatient therapy is needed three times a week, a home health agency can come into the community to provide therapy (e.g., physical, occupational, or speech therapy), or hospice agencies can come in to provide end-of-life care.

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Skilled Nursing Communities

Skilled nursing facilities provide 24/7 skilled nursing care for individuals requiring specialized medical care or daily therapy services in a skilled-care setting. Although sometimes temporary, a stay in a skilled nursing community could be likened to a long-term hospital stay.

Pro Tip:

Pro Tip: Unsure how skilled nursing differs from a nursing home? Check out SeniorLiving.org’s guide on nursing home vs. skilled nursing to learn more.

Skilled nursing services are often provided for short-term stays following hospitalization, surgery, injury, or some other significant decline in health, such as a heart attack or stroke. During these temporary stays, care is typically focused on providing rehabilitative services to prepare them to return to their previously independent lifestyle.

For others, a skilled nursing community becomes their long-term home. These residents receive much-needed assistance with ADLs, plus round-the-clock medical care and supervision. This medically intensive care is provided by professionally licensed personnel. Residents often have complex medical conditions with high care needs requiring routine skilled nursing services, such as:

  • Wound care
  • Ventilator care or respiratory therapy
  • IV medications
  • Feeding tube
  • Advanced-stage pressure ulcers (bed sores)
  • Physical, speech, and/or occupational therapies
  • Pharmaceutical, radiology, and laboratory services
  • End-of-life or hospice care

Residents typically share a semiprivate room, and they eat their meals in a common dining area unless their medical conditions inhibit them from doing so. Skilled nursing facilities generally have a calendar full of daily scheduled activities. Activities are brought to rooms for those who are too incapacitated to make it to the group events.

Did You Know?

Did You Know? According to the Centers for Medicare & Medicaid Services, the average length of stay in a skilled nursing facility is 28 days.1

Certified skilled nursing facilities have LPNs on duty 24 hours a day. An RN is on duty for at least eight hours each day, seven days a week. For every 100 resident beds, there are 40 nursing assistants, seven RNs, and 13 LPNs on staff, on average, though each state sets its own minimum requirements for staff-to-patient ratios that may be lower. For example, in Florida, the state requires a minimum of one licensed nurse per 40 residents and 3.6 hours of daily facetime (combined certified nursing assistants and licensed nursing staff) per resident.2

Because a skilled nursing facility provides medically necessary care that is supervised by a licensed physician, the cost of care is covered by Medicare and Medicaid and most long-term care insurance policies.

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Choosing Between Assisted Living and Skilled Nursing Communities

Finding the right living arrangement can seem overwhelming at times, especially when a precipitating event has made it necessary, which is often the case. When it’s no longer safe to live independently, many people find themselves wondering which option is best for themselves or someone they care about. In these cases, they often find themselves comparing assisted living and skilled nursing.

The chart below compares assisted living and skilled living facilities to help you make an informed decision.

Assisted living communities Skilled nursing communities
Living accommodations Accommodations are generally apartment-like; they may be private or semiprivate. Accommodations are generally semiprivate and more hospital-like.
Meals Three meals are served in a centralized dining area, usually at no additional cost; meals may be prepared by a resident in their own apartment. Three meals are served in a communal dining area at no additional cost.
Housekeeping services Housekeeping and laundry services are generally included at no additional cost. Housekeeping and laundry services are provided.
Caregiving services Caregivers are available around the clock; someone needing specialized or one-on-one care can arrange for it through a third party at an additional cost. Caregivers are available around the clock; someone needing specialized or one-on-one care can arrange for it through a third party at an additional cost.
Minor medical supervision Provided Provided
Extensive medical care Not provided Physician-ordered extensive medical care is provided.
Medication management Provided Provided
Medical personnel available Full-time medical personnel are on-site or on call. LPNs are on-site at all times; RN sare on-site at least 8 hours per day; physicians are on-site or on call 24/7.
Assistance with ADLs 24/7 24/7
Activities There are various daily activities focused on keeping the residents busy throughout the day; community activities and field trips are planned. Less active and less strenuous activities are scheduled throughout the day; activities are provided in the room for those who cannot join group activities.
Transportation Transportation to and from doctor’s appointments and other errands is often available. Transportation to and from doctor’s appointments is often available.
Payment sources These are mostly private pay; some certified communities accept Medicaid and Medicare; services may be covered by long-term care insurance and veterans’ benefits. Medical services are covered by Medicare, Medicaid, veterans’ benefits, and most long-term insurance policies in certified facilities.
Average price range The cost is roughly $4,500 per month; memory care will run substantially higher. In 2021, a private room averaged $297 per day, and a semiprivate room averaged $260 per day, or $8,910 and $7,800 per month, respectively; memory care will run substantially higher.
Scheduled activities Calendar of activities, often offering community events and field trips Calendar of activities, not as “active” as assisted living
Also known as Assisted care communities and personal care homes Nursing homes, convalescent care, nursing centers, long-term care facilities

Some assisted living and skilled nursing facilities may also have specialized memory care units within the facility to provide the specialized care needed for advanced cognitive difficulties. These units often provide advanced security measures, such as secured entrances/exits and additional surveillance equipment. Memory care apartments generally do not have kitchens.

Deciding Between Assisted Living and Skilled Nursing

Assisted living communities provide a homelike environment and encourage residents to live as independently as possible, but they still have staff available to provide assistance with ADLs as needed. Residents aren’t closely monitored, but someone is always close by, just in case.

Pro Tip:

Pro Tip: Read our guide on the cost of assisted living to learn more about how much you’ll need to pay for assisted living.

In a skilled nursing facility, medically intensive care is provided for individuals who have complex or chronic medical needs, severe pain, permanent disabilities, or are recovering from injury, illness, or surgery. These facilities are less private and more institutional in nature.

Assisted living communities encourage independence and provide less medical care. On the other hand, skilled nursing communities are more restrictive and provide more medically intensive care.

At the end of the day, a senior’s care needs will determine which type of community is most appropriate for their given situation. When you’ve narrowed your options down to assisted living or skilled nursing, tour several communities in your area. Be sure to ask as many questions as you need to in order to feel comfortable with your final decision. Remember to ask each community about the services they offer and which services come with additional costs.

Citations
Written By:
Jeff Hoyt
Editor in Chief
As Editor-in-Chief of the personal finance site MoneyTips.com, Jeff produced hundreds of articles on the subject of retirement, including preventing identity theft, minimizing taxes, investing successfully, preparing for retirement medical costs, protecting your credit score, and making your money last… Learn More About Jeff Hoyt
Reviewed By:
Matthew Clem
Registered Nurse
Matt graduated from Bellarmine University’s School of Nursing and Clinical Sciences in 2011 and began his career in Louisville, Kentucky, as a registered nurse. He quickly realized his passion for the senior population, focusing on the long-term care of chronically… Learn More About Matthew Clem
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