Adult Care Homes in Springfield, IL

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Springfield Illinois Adult Care Homes: How to pay for, Laws and Regulations and Questions to ask…

Springfield is the state capital of Illinois, but it feels just like a small town. Traffic is not bad, it’s easy to get around, and it’s walkable. You can get from one side of Springfield to the opposite side in 30 mins. Many subdivisions are quiet and the neighborhoods have great ratings with amazing school districts. Springfield is best known for being the home of our 16th President Abraham Lincoln and the place where President Barack Obama spent his early career in politics.

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Nursing Home (although this is an outdated and not accurate term for this level of care)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 Springfield

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 care in Springfield

In Springfield, the summers are long, warm, and humid; the winters are short, freezing, snowy, and windy; and it is partly cloudy year round. Over the course of the year, the temperature typically varies from 21°F to 86°F and is rarely below 3°F or above 93°F.

As the largest city in central Illinois, with a population of 117,000, there are endless opportunities when seeking care and finding comfort in aging. 

Cities Near Springfield

  • Rochester – 12 miles east of Springfield
  • Sherman – 12 miles north of Springfield
  • Curran – 10 miles west of Springfield
  • Chatham – 10 miles north of Springfield

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 per month. This is much cheaper than the average monthly cost of a nursing home. In Illinois, a nursing home is $7,200 per 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 per 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:

  • Make sure the facility is clean and well maintained. You can tell a lot about the operation by noting What is clean and maintained. Are doorknobs loose or damaged? Do you see any frayed carpet or trip hazards?
  • Visit during lunch hour to observe what the residents are eating. Ask questions about the nutrition program. Is there diversity in meals, healthy fruits and vegetables served at all meals, drink options?
  • Speak to residents and/or family members to learn their perspective.
  • Ask about staff and resident engagement. Get a feel for how staff interact with residents.
  • Ask about the life enrichment programs. Activities are crucial when it comes to quality of life and play a key role in care for older adults.
  • And finally (there is a plethora of more things to consider), get to know the leadership in the building. If you feel good around the executive director, head nurse, lead activities director and even the chef or janitor, it is a good sign you can trust them with the care of your loved one.

Local Hospitals and Healthcare Providers

HSHS St. John’s Hospital

800 E Carpenter St, Springfield, IL 62769

Baylis Medical Building

747 N Rutledge St, Springfield, IL 62701

Memorial Health System

3132 Old Jacksonville Rd, Springfield, IL 62704

SIU Medicine

315 W Carpenter St, Springfield, IL 62702

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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Written by The Care Availability Team
Experts in the senior care & retirement living industries

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