Bloomington Memory Care: Search Near You, How to Pay, Licensing, Local Resources, and Questions to Ask
Bloomington is a city in Hennepin County, Minnesota, United States, on the north bank of the Minnesota River, above its confluence with the Mississippi River, 10 miles south of downtown Minneapolis. At the 2020 census, the city’s population was 89,987, making it Minnesota’s fourth-largest city. Minnesota is home to western prairies, agriculture, forests, and the North Woods which is used for recreations. About one third of the state is covered in forests and it is known as the “Land of 10,000 Lakes” for having over 14,000 bodies of fresh water covering at least ten acres. All these attractions and make Minnesota a premiere place for our aging population to call home. Memory Care facilities in Bloomington could accept State Medicaid, private payers, and long-term care insurance which helps to relieve the financial burden of senior care, and could be more cost effective than home care.
About Memory Care in Bloomington
For an individual who requires physical or cognitive care, providing home care can be difficult and costly. Assisted living communities do an incredible job filling that need. Levels of senior care range from minimal, such as providing meals and housing, to advanced care, such as mobility assistance and medication administration. Assisted living facilities provide individualized health management in a comfortable setting and focus on maintaining independence, privacy, and dignity. Adult care homes relieve the burden of home caregivers and offer seniors a more enriching quality of life.
Considerations When Looking for Memory Care in Bloomington
More than 60% of Minnesotans live in the metropolitan area of Saint-Paul-Minneapolis which is known as the Twin-cities. This area is the main political, economic, and cultural hub. Other metropolitan areas in Minnesota include Duluth, Rochester, Moorhead, St. Cloud and Bloomington.
Memory Care Communities near Bloomington, Minnesota
Cities Near Bloomington
- Minneapolis – 10 miles north
- Apple Valley – 10 miles south
- Eagan – 8 miles east
- Eden Prairie – 10 miles west
The Cost of Memory Care in Bloomington
The cost of assisted living is fairly consistent across the state. The cost of assisted living in Minnesota is the same as the national average. The national average cost of assisted living is $4,500 per month. Costs will vary because of the level of care a resident requires, and additional amenities, as well as the city in which you find a community or facility. Benefits of assisted living are being able to provide health services to those who may need assistance with the activities of daily living. Demand is on the rise, and so too is the cost of assisted living facilities. Accordingly, costs have risen an average of 4.65% since 2020, and the national average for a private, one-bedroom with round the clock care was reported to be $54,000 annually in 2021.
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:
Local Hospitals and Healthcare Providers
Allina Health Bloomington Clinic
7920 Old Cedar Ave S, Bloomington, MN 55425
Park Nicollet Clinic Bloomington
5320 Hyland Greens Dr, Bloomington, MN 55437
Minnesota Help Network-Senior Linkage Line A resource where the elderly, people with disabilities, their caregivers, and professionals can go to get information and referrals.
Minnesota Board on Aging The Minnesota Board on Aging is the gateway to services for seniors and their families. MBA listens to senior concerns, researches for solutions, and proposes policy to address senior needs.
Minnesota Adult Abuse Reporting Center (MAARC) State centralized system for mandated reporters and the public to report suspected abuse, neglect, or financial exploitation of an and adult in Minnesota who is vulnerable due to a condition or service need. Operated by the Minnesota Department of Human Services.
Office of Ombudsman for Long-Term Care The Board advises on and coordinates government plans around aging to ensure that Older American’s Act requirements are met. The MBA administers state and federal funds and also creates public awareness, encourages research on aging issues and provides technical assistance and grants to local aging organizations. By participating in board and committee meetings, MBA members work to create a collective vision that represents the best interests of older Minnesotans.
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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