Peoria Illinois Adult Care Homes: How to pay for, Laws and Regulations and Questions to ask…
With an impressive skyline, one of the oldest orchestras in the country, high-quality museums and a stellar zoo, Peoria is much more than people realize. Peoria is a city in central Illinois. Set on the Illinois River, the Peoria Riverfront Museum has a striking, contemporary design. It offers a planetarium, a sculpture garden and a collection of fine art. Northeast, near Peoria Lake, Glen Oak Park includes the Luthy Botanical Garden and the Peoria Zoo. West of the city, Wildlife Prairie Park has forest trails and native animals, including bison, cougars and bears.
- Peoria Illinois Adult Care Homes: How to pay for, Laws and Regulations and Questions to ask…
- About Adult Care Homes in Peoria
- Considerations When Looking for Assisted Living in Peoria
- Cities Near Peoria
- Pricing and How to Pay for Adult Care Homes
- Local Hospitals and Care Providers
- Resources and Links- Illinois
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Nursing Home (although this is an outdated and not accurate term for this level of care)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
About Adult Care Homes in Peoria
One of the most desirable aspects of Illinois is the fact that the state has ranked for 19 of America’s safest cities. Seniors and retirees, families and young people looking to find a comfortable new home love Illinois. All these aspects make Illinois a premiere place for our aging population to call home. As our population ages, seniors may require care at some point. When most people think of senior care they envision a nursing home. Nursing homes are far from the only option for senior care and housing. For many people in need of some care, an adult care home may be ideal. Seniors who can no longer manage their health and safety in their own home, and may need care are the perfect candidates for adult care homes.
The state of Illinois is responsible for licensing and monitoring residential care homes. The Illinois Department of Health regulates these homes as well as assisted living facilities. Similar to a nursing home, residents receive 24-hour care all in a single-family environment. Each home has an operator who may employ additional caregivers to support with the care of residents. Residences are licensed to house a smaller number of adults as opposed to larger assisted living communities. So they make ideal homes for loved ones who require individualized care while allowing residents the preferences and choices to honor their independence.
All staff and administration managers must be licensed in the state of Illinois. Staff is required to participate in ongoing education and training. Documentation must be readily available in case of inspection.
Considerations When Looking for Assisted Living in Peoria
Illinois has a moderate climate with cold winters and humid summers. Peoria is located on the Illinois River and has a population of 111,666 people.
Adult Care Home Communities near Peoria, Illinois
Cities Near Peoria
- Morton – 10 miles south of Peoria
- Rome – 16 miles north of Peoria
- Washington – 11 miles east of Peoria
- Pekin – 10 miles west of Peoria
Pricing and How to Pay for Adult Care Homes
The average cost for a residential care home in the state of Illinois is $4,400 / month. This is much cheaper than the average monthly cost of a nursing home. In Illinois, a nursing home is $7,200 / month. Nationally, it is less clear how to define the average cost of an adult care home. Typically, from the west to the east, the north to the south, costs fluctuate between $2,000 to above $6,000. The average seems to hover slightly below the average cost in Illinois, at about $3,900 / month. The monthly cost of residential care homes will vary depending on the location and care requirements, among other things like amenities or rooming situation.
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
OSF Peoria, IL
530 NE Glen Oak Ave, Peoria, IL 61637
Illinois Medical Center
1001 Main St, Peoria, IL 61606
Paying for Senior Living and Care will vary depending on a few factors. For instance, the level of care needed; the income and savings of the resident; the state and location of the community; or if the resident is a veteran. In the United States there are over 400 programs that may offer some monetary relief for senior care, but often the majority of costs are covered by private funds and family assistance. These funds come from our Federal, State, and Local Governments.
It is important to take your time when exploring payment and coverage options.
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.
Medicare -MAYBE:
Medicare will TYPICALLY cover Skilled Nursing (SNF) care ONLY under these factors:
- 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.
- The person has Medicare Part A, and has available days left in their benefit period. The person has a qualified hospital stay. (3 consecutive midnights or more)
- The individual must enter SNF within 30 days of leaving the hospital.
- The person’s doctor has ordered inpatient services at a skilled nursing facility.
- The individual must need and receive the skilled care daily. The care provided must be care that the person can only receive in a SNF.
- The person needs skilled services because of an ongoing condition or a new condition that started while in a SNF for treatment of an ongoing condition.
- The skilled services must be reasonable and necessary for the treatment of the condition.
- You must receive the care in a Medicare certified SNF.
Medicaid – MAYBE:
Medicaid can be a payer source if the patient needs both care and has a financial hardship based on the individual state criteria. Eligible participants include: low-income adults, elderly adults and people with disabilities. The program is funded jointly by each state and the federal government; and national guidelines are in place do decipher how states must spend Medicaid money, but with allowances toward the guidelines. Every state has their own individual Medicaid assistance program. Each state determines what levels of care will be covered by Medicaid, who is eligible, and how much the state will reimburse the care community.
- Skilled nursing falls under Medicaid’s Nursing Facility Services.
- People who are eligible for Medicaid must meet the state criteria for skilled nursing care.
- The state of residency must abide by federal law and regulations when setting their skilled nursing care requirements.
- The patient meets the state guidelines for income and asset limits.
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.For a clearer understanding on coverage contact your State Health Insurance Assistance Program.
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.
Resources and Links- Illinois
Resources and Links – Illinois
Chicago Department of Family and Support Services DFSS Senior Services is designated through the Older Americans Act, and by the Ilinois Department on Aging, as the Area Agency on Aging for the city of Chicago and provides a range of services that allow older adults to remain healthy, safe and independent.
Illinois Department on Aging Area Agencies have the primary task of planning and coordinating services and programs for older people in their respective areas. The Area Agencies receive funding from the Department based on a formula which takes into consideration the number of older citizens and minorities in that area, as well as the number living in poverty, in rural areas, and alone.
AgeOptions As the Area Agency on Aging of suburban Cook County, Illinois, we advocate, plan, coordinate and fund services for older adults. Together with a network of community-based senior service organizations, we connect residents with vital services such as information and assistance, community dining programs and home-delivered meals, housekeeping help, employment services, access to benefits and support for family caregivers.
Adult Protective Services Hotline To report suspected abuse, exploitation or neglect of an older person, age 60 and above or a person aged 18-59 with a disability, call the statewide 24-hour Adult Protective Services Hotline
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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