My mother is 84 and has been in AL for 5+ years and she currently pays just over 7k a month. This includes everything - all ADL help needed, medication management, apartment cleaning, and all laundry including bedding that she wets every night. We live in a hcol area so this is the general rate for this type of care. She is very happy there and is well cared for.
Shes been in rehab for a month after another COPD flare up and while we plan to have her go ‘home’ next week I’m very aware that she may need more care than they can give her there. Which leads me to decide what do do next?
I could hire someone to stay with her during the day, every day but after crunching numbers that would come very close to full time nursing. She could go back to the rehab/SNH and we would self pay but I believe the rate is 15K per month. She had 4 years of LTC insurance that just ran out (unbelievable policy that doesn’t come close to even existing today) so I believe if she close SN it would be 100% private pay.
She is fairly comfortable and could self pay for a number of years - it just seems like such a crazy amount. It it common to self pay? Are there better options to care for her and maintain a good quality of life?
Living with me or my brother is not an option.