Residential Care Homes in Cambridge, Massachusetts

Print
Email
Facebook
LinkedIn

Residential Care Homes in Cambridge, MA: Common Terms, How to pay for, Licensing and Questions to ask…

Cambridge is a popular city for seniors looking for Residential Care homes, also known as Rest Homes. The city is best known for being the home of two world-class universities, Harvard University and Massachusetts Institute of Technology (MIT). This scholarly landscape offers a lot of small town walking distance options, making it an intriguing option for seniors.

Rest Homes, also commonly known as Adult Care Homes, provide 24-hour supervision and supportive services for individuals who don’t routinely need nursing or medical care.

find rest homes in cambridge

Rest Homes/ Residential Care Homes in Massachusetts are not specified on CareAvailability.com because they are similarly licensed and managed under the service of Assisted Living. Search our Assisted Living section for care homes near you and make sure to check for capacity as that is a defining feature of these services.

About Rest Homes in Cambridge

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. Massachusetts’ adult care homes are titled and licensed by the Massachusetts Department of Health, Office of Elder Affairs. These residential care homes are called Rest Homes in the state of MA. They may be ideal for a senior who can no longer manage their health and safety in their own home, and may need care. Massachusetts rest 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.

Rest homes provide housing, meals, activities, and administration of medications for individuals who need a supportive living arrangement. A rest home is not merely a temporary residence but a permanent home. Therefore, good care includes not only providing care with dignity and respect, but also dietary services that provide appetizing and nutritious meals, housekeeping services that keep physical surroundings pleasant and planned activities that foster social interaction.

Adult Care Home and other terms

It is good to know the other terms/names of services you may hear when searching for certain senior housing: 

Many states actually designate adult care homes as assisted living/residential care facilities because they all fall under the same license. Be sure to check if your state designates care homes under the same license as other housing options.

  • Other related terminology:
  • Board and care home
  • Care home
  • Adult family home 
  • Residential care home 
  • Adult foster home
  • Personal care Home
  • Community Residential Care Facilities
  • Rest Homes

Considerations when looking for care in Cambridge

The hottest month of the year in Cambridge is July, with an average high of 82°F and low of 66°F. The cold season lasts from December 4 to March 15, with an average daily high temperature below 45°F. With a population of 117,090, Cambridge and the Boston Area host numerous assisted living facilities. Some of these may be Rest Homes depending on the capacity of the provider.

Cities Near Cambridge

  • Boston – 3 miles east of Cambridge
  • Medford – 4 miles north of Cambridge
  • Waltham – 7 miles west of Cambridge
  • Lexington – 10 miles north of Cambridge

Pricing and How to Pay for Adult Care Homes

People who are able may pay using their own resources for a stay in a rest home. An individual signs a contract specifying services they would receive in exchange for payment. It is critical for someone paying privately to review their admission contract before signing it. The individual may also be required to disclose information about their financial status if they are paying privately. 

If a resident’s income is limited, they may be eligible for Supplemental Security Income (SSI) or, in very limited instances, EAEDC (Emergency Aid for Elders, Disabled and Children). In addition, certain eligible Veterans may have their stay in either a nursing or rest home paid for through the Veterans Administration.

Adult care homes tend to be about 15-30% less than assisted living facilities. Massachusetts rest homes generally cost between $4,800 to $5,500 / month, depending on the county or city where you reside or are looking for care.

You want to consider your payment options for assisted living, memory care, and care homes. For these services, Medicare is NOT an option for payment.

The most common payment for these services would be out of pocket Private Pay and assessing a combination of retirement funds, personal savings, and pension payments.

Medicaid can also be an option, be sure to see if you or a loved one qualifies.

Long-Term Care insurance is also a possible option in cases of chronic conditions, be sure to see if you or a loved one qualifies.

For our Veterans and spouses of veterans, be sure to assess Veteran Aid and your eligibility for these benefits.

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 (along with 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 in Cambridge

Cambridge Health Alliance

237 Hampshire St, Cambridge, MA 02139

Harvard University Health Services

1563 Massachusetts Ave, Cambridge, MA 02138

CHA Cambridge Hospital

1493 Cambridge St, Cambridge, MA 02139

Mount Auburn Hospital

330 Mt Auburn St, Cambridge, MA 02138

Central Massachusetts Agency on Aging seeks to outreach to older persons and their caregivers, hoping to educate them on services and programs that are meant to serve and assist them to remain safely and securely in our communities.

Age Strong Commission As an AAA, the Commission provides funding to community partners to provide services to seniors in the neighborhoods. The Commission also provides direct services to seniors such as advocacy, information and referral, transportation, volunteer opportunities and cultural and social events.

Executive Office of Elder Affairs State Agency that contracts with local service providers.

Greater Springfield Senior Services, Inc. is an Area Agency on Aging (AAA) and Aging Services Access Point (ASAP) providing services to help preserve the independence, and quality of life of elders and disabled persons desiring to remain within their own.

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.

Search other states for Adult Care Homes

Not finding what you’re looking for? Take a look below.

Search Other Areas Assisted Living

Care Availability

Care Availability

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

Keep Me Informed

Receive checklists, articles, guides and news. We will email you relevant information about once a month.

"*" indicates required fields