Minnesota Assisted Living: Terms and Definitions, How to Pay, Licensing, Local Resources, and Questions to Ask
Generally, when people think of senior housing, they envision a nursing home. However, nursing homes are definitely not the only option for our loved ones. When the time comes to move into a new housing situation, Minnesota assisted living communities offer your loved one the benefit of security and peace of mind. Assisted living in Minnesota is a specific level of care in a community setting.
- Minnesota Assisted Living: Terms and Definitions, How to Pay, Licensing, Local Resources, and Questions to Ask
- Assisted living in Minnesota
- What services are offered in assisted living in Minnesota?
- Expected monthly costs of assisted living in Minnesota
- How to pay for assisted living in Minnesota
- Common terms that differentiate levels and types of senior living:
- Questions to Ask
- Resources and Links – Michigan
- Search Other Areas Assisted Living
Common terms that differentiate levels and types of senior living:
- Continuing Care Retirement Communities (CCRCs)- typically include independent living, assisted living, residential care and skilled nursing services all on one campus.
- Independent Living Communities – provide residents a setting without the burden of home ownership. Residents commonly live in fully equipped private apartments or cottages from a studio to large two-bedroom units.
- Care Home or Adult Family Care Home- are private residences in a home-like setting that provide care services to a smaller more limited number of residents (typically 5-12 residents, depending on each state’s regulations).
- Assisted Living- provides housing and supportive care in a community setting, but the residents do not require 24-hour nursing care.
- Memory Care- a care setting for residents with memory loss or confusion. The community typically has a “secured” entry for residents that may wander. This care can be provided in different care settings depending on the state licensing requirements.
- Skilled Nursing is state licensed to provide a safe, therapeutic environment for people who require rehabilitative care 24 hours a day.
Assisted living in Minnesota
Most Assisted Living Communities will provide a bedroom, restroom, meals, and assistance with care. Additionally, the size and amenities of each community can vary greatly and affect cost. Residents may experience increased socialization, classes for health and fitness, and quality nutrition plans.
Federally, assisted living is the universal term as well. The lay person sometimes groups all senior housing into the term of “nursing home.” Assisted living communities are NOT nursing homes.
What services are offered in assisted living in Minnesota?
Residents may move into these communities to receive assistance with activities of daily living (ADLs):
- Medication assistance and reminders
- Toileting and incontinence management
Most Assisted living communities provide meals, light housekeeping, and activities program. Additionally, some may also offer support such as scheduled transportation and linen service.
Other possible services and amenities in Assisted Living
Life enrichment: Activities should be provided for the enrichment of residents. Typically, these include light exercise, social opportunities, or spiritual programming.
Additional activities and amenities may include:
- Game nights
- Parties and other social events
- Planned outings
Expected monthly costs of assisted living in Minnesota
The cost of assisted living in Minnesota is the same as the national average. $4,500 per month.
How to pay for assisted living in Minnesota
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:
Resources and Links – Michigan
Aging and Adult Services Agency AASA provides leadership on aging at the state level serving Michigan’s older adult population in a collaborative process, working in partnership with the 16 Area Agencies on Aging and more than 1,300 service providers to offer a wide variety of program available for older adults.
Michigan Department of Health and Human Services Centralized Intake Line If you suspect abuse or neglect, call 855-444-3911 any time day or night. This toll-free phone number allows you to report abuse or neglect of any child or adult.
Michigan Advocacy Program To advance the safety, independence, and economic stability of those most affected by poverty, racism, and other structurally oppressive systems by increasing access to justice and working for systemic solutions.
MMAP, Inc. MMAP, Inc. is a free health-benefit counseling service provided to Michigan residents. Our goal is to help Michigan’s Medicare beneficiaries find their way through the health benefits maze.
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 Areas Assisted Living
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