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My mother lives in Ohio. She is considered to be at level 2 in her AL facility. The levels go from 1-4, with 4 being the highest level of care. She gets 3 meals/day, housekeeping services, a nurse who is available 24-7 who also dispenses her medication. She also receives a bath twice a week. I do her laundry. She pays $3264.00/month. Is this rate about what to expect for AL facilities?

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$5,300 month in northern Michigan for level 2 care. That includes medication management, three meals daily, some dressing assistance, weekly housekeeping, linens laundry and wheelchair transport to meals. Occasionally meals are served in room when ill. An outside agency does colostomy management, weekly showers and weekly nurse visit. That is covered by insurance. Resident pays for all personal supplies such as depends, toilet paper , kleenex, grooming, shampoo, soap,etc. Resident also supplies laundry detergent for linens and is separately responsible for all laundry of clothing.
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Knock on wood, so far my Medicare and supplement insurance, and Rx insurance has been reasonable. Back when I was self-employed over a decade ago, my premiums use to jump drastically and the deductible would go up, too. That was back when women use to pay a higher rate then men for health insurance.... the APA [Obamacare] put an end to that.

And I remember having a hard time trying to find heath insurance because I thought I had a wheat allergy.... thus it was a "pre-existing condition".... guess the insurance companies thought I would OD on a loaf of bread :P The ACA also put an end to that, too.
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What scares me is the way health care insurance and co-pays keep going up - in ten years the money we thought we saved enough for our IL, AL or NH care will have to be used just to keep us alive - to pay for our health care and medicines.
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You can be as frugal as possible and still never save enough, I've been doing a bit of calculation with the help of some on-line data. Figuring inflation at 3.5%, $1 today will be equivalent to $2.81 in 30 years (I'm in my 50's, that's why I used that timeline). Start looking at the examples above and projecting them into future costs if you want some sticker shock!
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I am so glad my late parents taught me to be very frugal with money financing/ savings... because after seeing how much Assisted Living/Memory Care was for my Dad, cost of Agency caregivers, and how much nursing home/long term care was for my Mom, I had sticker shock.

I started out saving money when I was five year old getting my very first savings account [back in 1951]. All my birthday money, Christmas and Easter money from relatives went into that account. Of course in the 1980's we had interest rates for savings accounts up around 15% so savings would really grow :)
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Azmiranda, I'm so sorry to hear you have no info. I didn't either until mom went to the hospital and someone there mentioned Medicaid. I too thought we had too much to qualify (but not enough to pay for nursing help)
Every state has a Medicaid program. Call you local senior center or nursing facility to find yours if you're having trouble. They will explain how to qualify. Although my mother was living with me they said I could apply for her as an independent household. Her assets had to be 'spent down' , in other words she had to spend away her money in order to qualify. Depends on which state you are in how this Spend Down goes. I'm in CA, which allows someone to give away 8,000 dollars a day. Not all states are like that. I was warned about a 5 year 'look back' so they can see if you're hiding it, but that didn't really happen here. It did happen somewhat to my cousin in WA. Start these proceeding immediately so you have the time you need to qualify. My mom was okayed for Medicaid for 4 months before she ever went into the nursing home to use it. Keep us posted and best of luck to you.
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I am not trying to be inquisitive to peoples financial details but I just don't know what people are supposed to do that can't afford that yet they have just enough too much to not qualify for any help. Kind of the lower middle class I guess. I just don't understand where we can possibly find that kind of money.
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Start the Spend Down NOW for Medicaid!! And be sure to go to the local office and really ask about all the rules. I was told about the 5 year look back, but it wasn't that bad for me. Anyway, check now so you'll be on top of it whe Skilled Nursing comes into play
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I am not going to say where I live. But here it is $3500 with no assistance, $4000 for some assistance. I suppose the rate goes up for more assistance. The NH here is $8000 up to $9000 and more.
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I put my father in one in PA since NJ was so expensive. His is $4500 per month. My boss is paying $9400 per month for his mother in NJ.
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We;re paying for similar services $4500 per month for my father in central NJ..Sounds like a good deal...
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My mom pays $3600. For level 1 care for Assisted Living in NJ
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Unfortunately, it gets worse. Mom is now in a nursing home and it costs $12,400 a month. Since there is a five year lookback, the best thing to do something about protecting your mother's money now. I wish we had. At this rate her lifetime savings will be gone soon and she will end up on medicaid. I don't know if they even allow her to keep enough back for a funeral before she can go on medicaid.
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Thank you all for your input. I guess my mom's rate is better than many. I can only imagine how the cost will go up as she needs increased care.
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$4,000 a month for similar care in Minnesota. It's crazy.
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Wow, that's a bargain. when Mom was in Independent Living in Westchester County NY in 2012, a one bedroom apt with light housekeeping and 3 meals a day was $5500 per month. That's with NO ASSISTANCE. I set up her meds each week.
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We live in Upstate NY (north of Albany and close to Vermont border) Its expensive here. Mom was paying $4250 a month for level 2 care. This included 3 meals, reminder for meals, administering meds, laundry and housekeeping, putting in hearing aides and monitoring them, and general oversight and helping with shower once a week (except she wouldn't let them). For that she got a private single room which had a kitchen sink, set of cabinets, small fridge and microwave and bathroom. There was only room for a small table, twin or double bed, one chair and dresser. The cost increases by about $200 a month as the person needs more help. She also had incontinence materials and disposal for another $85 a month. Those costs are about average for this area, more as one gets closer to the city.
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My Dad is in Independent/Assisted Living and his rent for a 4 room apartment is $4,000/month which includes dinner, housekeeping, linen service, nurse/aide on-call. This place also has different level of care, so when the time comes, Dad can add those levels.
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Here in Western NY, average is about $3500 with level 2 care. It just keeps going UP.
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Sounds like a GREAT deal vs. NJ! My MIL has similar services with dressing assistance added on. She is at $6600/month!
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