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Nursing Home Costs

Nursing homes provide nursing care for the elderly around-the-clock, with 24 hour medical care available. These types of care are also referred to as skilled-nursing care and convalescent care. While seniors typically transition into a nursing community on a permanent basis, some homes also provide short stays for those in need of rehabilitation after an injury, illness or surgery that may require skilled nurses and/or therapists. Whether one uses these services part time or full time, nursing home care does come at a premium price compared to other health care options. However, it also provides seniors with all of the valuable services they need concerning medical care, socialization, rehabilitation and housekeeping services amid environments designed to offer the comforts of ‘home.’

Average National Costs of Nursing Home Care

The cost of nursing home care long term will depend on a number of factors such as your location, the provider you choose, how long you plan to stay and whether any type of special considerations are needed. Many facilities have all inclusive rates, but some do charge extra for services beyond housing, food and housecleaning such as expenses associated with physical therapy, speech therapy, memory care, etc. On average beneficiaries in the United States can expect costs to average:

Room TypeDailyMonthlyAnnually
Semi-Private Room$225$6,844$82,128
Private Room$253$7,698$9,2376

The Cost of Nursing Home Care By State

Again, these costs will vary depending on which state the desired nursing home is located. Below are the national averages of monthly costs for nursing home care from semi-private to private room charges:

StateSemi-PrivatePrivate
Alabama$6,083$6,464
Alaska$23,433$24,335
Arizona$6,388$7,604
Arkansas$5,171$5,779
California$8,114$9,703
Colorado$7,663$8,547
Connecticut$12,516$13,505
Delaware$10,649$10,966
District of Columbia$9,870$10,570
Florida$7,908$8,882
Georgia$6,222$6,707
Hawaii$11,437$13,216
Idaho$7,391$7,910
Illinois$5,688$6,524
Indiana$6,692$7,817
Iowa$5,741$6,235
Kansas$5,551$6,167
Kentucky$6,728$7,346
Louisiana$5,171$5,475
Maine$9,140$9,764
Maryland$9,125$9,916
Massachusetts$11,710$12,471
Michigan$7,969$8,608
Minnesota$8,174$8,988
Mississippi$6,494$6,646
Missouri$4,912$5,475
Montana$7,209$7,972
Nebraska$6,334$6,768
Nevada$7,300$8,289
New Hampshire$9,657$10,570
New Jersey$10,038$10,718
New Mexico$6,349$7,406
New York$11,076$11,701
North Carolina$6,844$7,604
North Dakota$10,636$10,864
Ohio$6,798$7,604
Oklahoma$4,471$5,293
Oregon$8,784$9,262
Pennsylvania$9,277$10,007
Rhode Island$8,486$8,669
South Carolina$6,481$6,844
South Dakota$6,300$6,813
Tennessee$6,110$6,600
Texas$4,563$6,053
Utah$5,627$6,965
Vermont$8,760$9,292
Virginia$7,148$7,908
Washington$8,578$9,447
West Virginia$9,703$10,235
Wisconsin$7,908$8,953
Wyoming$7,078$8,060

Cost of Nursing Homes vs Assisted Living

The cost of assisted living nationally averages $119 per day, $3,628 per month and $43,536 annually. With the average annual costs of nursing home care being between $82,128 – $92,376 it appears that assisted living typically averages about half of the cost of assisted living options. However, rates are likely to be higher for those seeking specialized memory care or require special considerations for disabilities.

Cost of Nursing Homes vs In-Home Care

Traditional home health care aides assist seniors with daily activities of living, light housekeeping, offer medication reminders and serve as companions. Their wages average $20.50 per hour, $164 per day, $4,920 per month, and $59,040 annually. Skilled nursing care typically involves services similar to home health aides, but providers are trained and certified nurses or therapists who are able to offer additional care such as medication administration, wound and injury care and various types of therapy. Skilled care averages $220 daily, $6,600 monthly and approximately $79,200 per year.

Are Nursing Home Costs Tax Deductible?

In most cases, out-of-pocket nursing home costs are generally tax deductible under itemized medical expenses. If yourself, your parent, spouse or another legitimate dependent is in nursing care primarily for medical care, then expenses related to medical care, lodging and meals are deductible. However, seniors in nursing homes for personal reasons rather than medical, will only be allowed to deduct costs associated with actual medical care, but not meals and boarding costs.

How to Pay for Nursing Home Costs

The costs of nursing care expenses can be paid for privately, but can also be offset in a number of ways, such as through health insurance, life insurance, long-term insurance policies, savings, reverse mortgages, and local and regional agency assistance. However, many seniors want to know if medicare, medicaid and veterans programs will also cover nursing home assistance. The answer is…that depends.

Medicare Coverage for Nursing Home Costs

Medicare will only cover skilled nursing care expenses in very specific situations and is not designed to pay for nursing home or custodial care costs long term. One such situation is when a senior has been hospitalized and released, but still requires a bit of specialized care. Medicare will help pay for short terms stays in nursing homes if they:

  • Were admitted to the hospital for a minimum of three days as an inpatient.
  • Have been admitted to a Medicare certified facility within 30 days of the hospital stay.
  • Need skilled care like physical therapy, speech therapy, and other types of rehabilitation.

Those who meet all of these conditions under original Medicare will qualify for assistance as follows:

  • Up to 20 days of nursing care is 100% covered by Medicare
  • After day 21 and up to day 100, patients will pay a co-pay that averages $164.
  • After 100 days, all Medicare coverage ends and all payments are the patient’s responsibility.

Medicaid Coverage for Nursing Home Care

An excellent option for low-income patients is the state and federally funded program known as Medicaid. This coverage assists individuals with many types of medical care including doctors visits, hospital stays and long-term care services such as those received in a skilled nursing facility. Often, this program covers 100% of these costs, but there may be co-payments for certain beneficiaries. For those who qualify for Medicaid, this is the best choice for nursing care coverage.

Veterans Benefits for Skilled Nursing Care

Long term care services for veterans with service related injuries and disabilities enjoy full coverage from the Department of Veterans Affairs (VA) at specified locations or through certain providers approved by the department. Those without service related disabilities may also qualify for Veterans Affairs benefits if they meed certain qualifications. However, depending on the veteran’s household income, there may be co-payments required.

How Can I Find Nursing Homes Near Me?

You can explore an array of nursing homes and skilled care providers with ease by using our comprehensive nursing home directory. Our database allows you to search by zip code or state and then lets you narrow down your search by specific needs or preferences. However, you can also speak to a live representative for customized assistance by giving us a call.

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