Sylvana Rinehart, Certified Concierge Care Advisor
Navigating Move-In Costs for Assisted Living and Adult Family Homes
There are many factors to consider when choosing the right senior living option for your loved one. Families often prioritize appearance, care quality, and overall feel, but it’s essential to prepare for some unexpected costs associated with moving into assisted living or adult family homes.
This article highlights key expenses families might not anticipate during the initial conversation with senior care providers, helping you plan and make informed decisions.
Understanding Move-In Costs for Assisted Living
When touring an assisted living community, the full scope of care fees may not be clear upfront. A proper assessment by the community’s nurse, completed one or two weeks before move-in, determines care needs and costs. The nurse collaborates with the Sales Director and Executive Director to finalize the resident’s acceptance and create an initial Negotiated Care Plan, which outlines care services and sets expectations for the family and provider.
Key Fees and Policies:
- Daily vs. Monthly Rates: Communities may provide either, but multiplying the daily rate by 30.5 offers a more accurate monthly rate.
- Community Fees: Often called Move-in Fees, these one-time, non-refundable fees cover administrative and onboarding expenses.
- Long-Term Care Insurance: Families must pay upfront, as insurance providers reimburse at the end of the month after verifying the resident’s stay.
- Deposits: A deposit may be required to reserve a room and is typically credited toward the first month’s rent.
- Annual Rate Increases: Expect an increase of 3% to 8% annually, depending on the organization.
Understanding Adult Family Homes and Associated Costs
Adult family homes in Washington are licensed under the Department of Social and Health Services (DSHS) and can accommodate up to six residents. Like assisted living communities, these homes require an assessment by a Registered Nurse Assessor to create a care plan tailored to the resident’s needs.
Key Fees and Policies:
- Assessment Fees: Concierge Care Advisors connects families with qualified nurse assessors at competitive rates.
- Monthly Agreements: Most adult family homes operate on month-to-month contracts, with some offering Medicaid after a specified period of private pay.
- Administration or Setup Fees: Many homes charge these non-refundable fees to cover onboarding expenses.
- Nurse Delegation Fees: A Nurse Delegator is required to train staff on medication management, with both setup and ongoing fees applied.
- Annual Rate Increases: Adult family homes typically increase rates by 1% to 2% annually, with additional adjustments if the resident requires hospice care.
Clarity and Communication: Keys to a Successful Transition
Good upfront communication ensures a smooth transition to assisted living or an adult family home. Transparency about care needs, fees, and expectations is essential. In adult family homes, knowing that a facility will accept Medicaid after private pay offers peace of mind, ensuring your loved one won’t need to relocate due to financial concerns.
What’s Next:
Navigating the complexities of senior care options can be overwhelming, but Concierge Care Advisors is here to help. Contact us today for a free consultation, and let us guide you through the process—so you can focus on your loved one while we handle the details.
