South Dakota Adult Care Homes
South Dakota is a beautiful and calming landscape for seniors to enjoy the later years. The cold winters bring a stillness to the air and the mild summers allow for exciting outdoor adventures. 17% of the state’s population are aging adults 65 years and older. With the passage of time, challenges of aging may cause living at home to become increasingly difficult. Some of these aging adults may require care at some point. Generally, when people think of senior care they envision a nursing home. However, nursing homes are not the only option. Adult care homes in South Dakota (adult foster care homes) are private residences that provide a home-like setting. The residential care home provider will typically provide meals, housekeeping, and limited activities.
South Dakota has cities which offer excellent healthcare to residents: Sioux Falls, Deadwood, Pierre, Watertown, Mitchell, Aberdeen, Rapid City, among others.
- South Dakota Adult Care Homes
- Licensing and regulations in South Dakota
- What is the cost of an Adult Care Home in South Dakota?
- How to pay for an adult care home in South Dakota
Unlike a nursing home, residents may require very light assistance or may be dependent with several care needs; it is best to ask individual locations for their specific policies and licenses. Caregivers may perform several functions: personal hygiene and mobility and eating and dressing and toileting and behavior management.
An adult foster care home is for a senior who can no longer manage their health and safety in their own home, and may need care. Adult foster care homes are an excellent housing option for aging adults because they offer private residencies in a home-like environment. Some states may use the term Adult Family Home or Board & Care Home. These homes are not nursing homes.
Other definitions and terms you may hear
Adult care homes are found in normal residential neighborhoods. You may drive past an adult foster home each day on your commute. As you look for adult care homes in your community, it is good to know the other terms/names you may hear:
- Residential care home
- Residential care facility
- Care Home
- Adult family home
- Board and care home
- Adult foster home
- Nursing Home (although this is an outdated and not an accurate term for this level of care)
Licensing and regulations in South Dakota
Adult care homes in South Dakota are licensed and monitored by the Department of Health, Licensing Division. They are routinely inspected and it is required that their Department of Health and Environmental Control license is displayed.
In South Dakota, adult foster care homes must have a designated staff member responsible for recreational programming, who will organize and conduct recreational activities. There must always be a responsible staff member awake and on duty at all times while any resident in on the premises.
What care and support does a South Dakota Adult Care Home provide?
Similar to a nursing home, residents receive 24-hour care, all in a single-family environment. And in addition each home has an operator who may employ additional caregivers to support with the care of residents. All adult care homes in South Dakota must provide all residents with the appropriate care and assistance with all ADLs (activities of daily living), assistance with medication, a minimum of one organized activity each day, and transportation for appointments.
Caregivers may assist with activities of daily living and some other care needs, including:
- Personal care
- Group meals
- Behavior management
- Personal hygiene
- Cognitive support and redirection
What is the cost of an Adult Care Home in South Dakota?
It becomes common knowledge as you search through care options for your aging loved one, the large discrepancies in costs. Adult care homes are no exception. The good news is adult care homes are generally half the cost of a nursing home and are typically less expensive than assisted living. But they will not have the same amenities and variety of activities.
The cost of assisted living in South Dakota is a little under $3,500 per month. This is nearly $1,000 less than the national average. In contrast, adult care homes in South Dakota will average around $2,800-$3,200 per month. Costs will change depending on required care, where you live or are looking for housing, and any other additional amenities or specialized care needs.
Make phone calls to homes or agencies and inquire about services to learn more about costs.
How to pay for an adult care home in South Dakota
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.
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 when Looking for Senior Living
Finding an assisted living community, can be overwhelming. Here are some tips on things to be observant of:
Resources and links related to Senior Living and Care
Eldercare Locator is a nationwide service 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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