Tuscaloosa Alabama Adult Care Homes: Common Terms, Coverage, Questions, and Resources
Tuscaloosa is the regional center of industry, commerce, healthcare and education for the area of west-central Alabama. Tuscaloosa is known for the Mercedes-Benz assembly plant and being the home of The University of Alabama. There is a rich history of our country there as well. You can tour mansions and take civil war tours as well as visit nearby lakes and trails. These features and more have led to Tuscaloos becoming a preferred location for senior citizens to retire and eventually receive care as they age.
Adult Care Home Communities near Tuscaloosa, Alabama
Adult Care Home and other terms
It is good to know the other terms/names you may hear:
Nursing Home (although this is an outdated and not accurate term for this level of care)
- Board and care home
- Care home
- Adult family home
- Residential care home
- Adult foster home
- Personal care Home
- Community Residential Care Facilities
- Rest Homes
Adult Care Homes in Tuscaloosa
Alabama is becoming well-known for great weather year-round. The state is home to beautiful beaches, a booming economy, and great food. The population of Alabama is over 5 million residents, of which 17% are aging adults 65 and older. The state does not tax social security, so when the time comes, seniors have more money to use. Typically, when people think of senior care and housing, they imagine a nursing home. However, nursing homes are not the only place seniors can live out their years. There are 85 adult care homes in Alabama, often called residential care facilities or group homes. An adult care home in Alabama may be ideal for a senior who can no longer manage their health and safety in their own home, and may need care. Residential care facilities are licensed by the Alabama Department of Public Health to care for 2-3 adults. Alabama adult care homes are an excellent housing option for aging adults because they offer private residencies in a home-like environment and some care, though typically medical care.
Considerations when looking for care in Tuscaloosa
The town of Tuscaloosa is home to just 100,618 people. Alabama adult care homes are not specified on care availability.com, instead, search the assisted living section and make sure to check for capacity as that is a defining feature of adult care homes.
The hot season lasts from May to September, with an average daily high temperature above 84°F. The cool season is from November to February, with an average daily high temperature below 62°F.
Cities Near Tuscaloosa
- Samantha – 16 miles north of Tuscaloosa
- Coker – 8 miles west of Tuscaloosa
- Coaling – 16 miles south of Tuscaloosa
- Brookwood – 23 east of Tuscaloosa
Pricing and How to Pay for Adult Care Homes
Adult care homes tend to be about 15-30% less than assisted living facilities. And in addition, Alabama is one of the most affordable states in the country for senior care and housing. Assisted living in Alabama costs $3,500 per month on average. So, Alabama adult care homes generally cost between $2,500-$3,000 per month, depending on the county or city where you reside or are looking for care.
It is important to take your time when exploring payment and coverage options.
Medicare – NO:
- Medicare does NOT pay for Assisted Living.
- People 65 years and older and individuals with end stage renal disease are eligible for Medicare benefits, no matter their income.
- Coverage is meant for people in need of short-term care.
Private pay – YES:
- Many families pay for assisted living with private funds.
- Private pay can be a combination of retirement funds, personal savings, and pension payments.
- Family members may contribute funds to pay for assisted living or other senior housing and care.
Medicaid – MAYBE:
- Medicaid provides health coverage to millions of Americans. Eligible participants include: low-income adults, elderly adults and people with disabilities.
- Medicaid is administered by state, according to federal requirements. The program is funded jointly by each state and the federal government.
- Every state has their own individual Medicaid assistance program.
- National guidelines are in place do decipher how states must spend Medicaid money, but with allowances toward the guidelines.
- The state determines what levels of care will be covered by Medicaid, who is eligible, and how much the state will reimburse the care community.
- If you are unsure whether you qualify for Medicaid, you should apply. You may be eligible depending on your household income, family size, age, disability and other factors.
Long-term Care Insurance – MAYBE:
Long term care insurance is a great way to pay for assisted living, and planning ahead is important when considering how to pay for senior housing and care. Nearly 75% of people over the age of 65 will require long-term care and services at some point. Buying into long-term care insurance when a person is in their 50s and 60s is the most common time to do so.
- Long-term care insurance helps cover the costs of chronic medical conditions.
- Individuals and couples with the ability to pay into long-term care insurance have the advantage of a head start in allocating funds for senior care.
Veteran Aid and Assistance – MAYBE:
This benefit is available to some military veterans and surviving spouses who live in an assisted living community and those who have in-home care.
- There are specific guidelines, but a veteran may qualify for as much as $2,050 each month.
- A veteran with a sick spouse may be eligible for $1,600 per month.
- If a veteran has passed, their surviving spouse can qualify for $1,300 per month.
Questions to Ask
Finding an assisted living community, can be overwhelming. Here are some tips on things to be observant of:
Local Hospitals and Care Providers
Tuscaloosa Veterans Affairs Medical Center
3701 Loop Rd, Tuscaloosa, AL 35404
5005 Oscar Baxter Dr, Tuscaloosa, AL 35405
Lewis and Faye Manderson Cancer Center
809 University Blvd E, Tuscaloosa, AL 35401
DCH Regional Medical Center
809 University Blvd E, Tuscaloosa, AL 35401
Resources and Links- Alabama
Alabama Department of Senior Services – LSA serves low-income people by providing civil legal aid and by promoting collaboration to find solutions to problems of poverty. LSA offices handle civil cases only.
Alabama Department of Human Resources Adult Protective Services Division – The mission of the Adult Protective Services Division is to support and enable County Departments to protect elderly and disabled adults from abuse, neglect, and exploitation and prevent unnecessary institutionalization.
Alabama State Health Insurance Counseling Program – The Alabama Health Insurance Counseling Program gives free information and assistance on Medicare, Medicaid, Medigap, long term care, supplemental insurance, and other health insurance benefits.
Legal Services Alabama, Inc – LSA serves low-income people by providing civil legal aid and by promoting collaboration to find solutions to problems of poverty. LSA offices handle civil cases only.
Eldercare Locator This is a great resource to search for specific care in specific counties and cities. This database is a nationwide resource that connects older Americans and their caregivers with trustworthy local support resources. Connect with services such as meals, home care or transportation, or a caregiver education or respite from caregiving responsibilities. The Eldercare Locator is a public service of the Administration on Aging (AoA), an agency of the U.S. Administration for Community Living.
Medicare provides a search feature to find & compare providers near you, most senior housing and care providers are included on CareAvailability.com. Find & compare plans in your area. Determine if you qualify for premium savings
Medicaid offers information on how to apply for Medicaid, eligibility criteria, links to local state offices, and additional resources
The Alzheimer’s Association is the leading voluntary health organization in Alzheimer’s care, support, and research. Whether you are living with Alzheimer’s or caring for someone with the disease, information and resources are available.
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