Assisted Living in Bear, Delaware: Search Near You, How to Pay, Licensing, Local Resources, and Questions to Ask
Senior living in Bear, Delaware, offers a serene and comfortable environment for retirees, surrounded by the natural beauty of the region. Residents at assisted living facilities enjoy a peaceful lifestyle with access to modern amenities and healthcare, making it an ideal place for those seeking a blend of tranquility and convenience in their golden years.
Some are available for private pay, and others for Medicaid-paid residents. Assisted Living provides protective oversight, personal services, social care needed because of impaired capacity to live independently, and regular supervision on a 24-hour basis.
Assisted Living Communities near Bear, Delaware
Westminster Village Assisted Living
Newark, Delaware 19711
The Summit
Hockessin, Delaware 19707
The Lorelton
Wilmington, Delaware 19805
Sunrise Assisted Living Of Wilmington
Wilmington, Delaware 19803
Somerford Place
Newark, Delaware 19713
Somerford House
Newark, Delaware 19713
Shipley Living Assisted Living
Wilmington, Delaware 19810
Rockland Place
Wilmington, Delaware 19803
Serenity Gardens Assisted Living
Middletown, Delaware 19709
Paramount Senior Living At Newark
Newark, Delaware 19713
About Assisted Living in Bear, DE
Assisted living communities in Bear, Delaware, are diverse in size and style to cater to the varied needs and preferences of residents. These facilities range from cozy settings housing as few as five individuals to larger complexes accommodating over a hundred residents. In Bear, Delaware, these services are regulated and provided exclusively by state-licensed assisted living services agencies (ALSAs). These agencies are responsible for offering essential services such as nursing and help with activities of daily living (ADLs) to a chronically ill, yet stable, population. It’s important to note that ALSAs in Bear operate within “managed residential communities” (MRCs), which, while not licensed as MRCs, must adhere to certain definitional criteria.
Considerations when looking for senior housing in Bear, DE
There are 24 assisted living facilities near Bear, Delaware. The elegant city is home to a population of 29,296 people, from which 12.6% are over the age of 55. Proximity to local amenities, healthcare facilities, and the ease of visitation for family and friends are also vital considerations.
Pricing and How to Pay for Assisted Living
It is important to make sense of what determines the price of care in a Bear, Delaware assisted living community. The most substantial fee is the apartment. The average monthly price for assisted living in Bear is $4,781.
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.
Local Hospitals and Health Providers near Bear, DE
- Christiana Care Health Systems
- ChristianaCare Neonatal Intensive Care Unit (NICU)
- Rockford Center
- Address: 100 Rockford Dr, Newark, DE 19713
- Phone: (302) 996-5480
Questions to Ask
Finding an assisted living community can be overwhelming. Here are some tips on things to be observant of:
Resources and Links – Delaware
Delaware Division of Services for Aging and Adults with Physical Disabilities The Division of Services for Aging and Adults with Physical Disabilities advocates for, provides access to, and coordinates long-term services and supports in the most appropriate setting.
The Delaware Medicare Assistance Bureau (DMAB) The Delaware Department of Insurance is a member of the National Association of Insurance Commissioners (NAIC), and is subject to the NAIC’s Financial Regulation Standards and Accreditation Program. NAIC conducts a full accreditation review of each state’s insurance department once every five years, most recently in 2020.
Long Term Care Ombudsman Program The Long Term Care Ombudsman Program is operated by Delaware Health and Social Services
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.
