One of the biggest benefits of modern medical science is that it is allowing many of us to live longer. Of course, having more time to enjoy our golden years and be with our grandchildren is a major plus, but there are some things that need to be considered when planning for the later stages of life. For example, many senior citizens end up needing assistance with day-to-day activities such as bathing, toileting, dressing, cooking, and more. At a certain point, moving into an assisted living facility in Seattle may be desirable. However, with the high costs of assisted living, many are looking for ways to afford these services. It is important to be aware that, according to About Assisted Living, Medicare will not cover assisted living services.
Medicare will indeed cover periods of time in a nursing home if you are in need following an injury or illness. If your doctor prescribes nursing home treatment, Medicare will cover it for a certain short span of time. In the event that you require hospice services, Medicare will also help you cover these costs. However, Medicare does not cover day-to-day care as provided by basic assisted living facilities.
When planning financially for the future, make sure to keep this in mind. There are several ways that senior citizens are making assisted living more affordable, such as by purchasing long-term care insurance, accessing veterans benefits if applicable, selling property, or taking out a reverse mortgage (in the right circumstances). Medicaid can also help pay for assisted living services if you are below a certain income threshold.
Proper planning is necessary in order to ensure that you get the help you need as you age.