5 Types of Senior Housing

“I am not ready for that yet!” I have heard these sayings many times before, however, in most cases, people have a misconception about senior housing. As we continue to live longer, it is important to better understand what options are available for you and your loved one. Therefore, I will walk you through 5 different types of senior housing and how they work.  

Independent Living (IL) – This is typically an apartment-style community that has services that cater to those who are 55 and up. It may be on the same campus as other assisted living communities, or it could be a stand-alone property. These services may include community activities, outings, restaurant-style dining, housekeeping, laundry, and other concierge-type amenities except for hands-on care. In most cases, this is a private pay option.  

Adult Family Care Home (AFCH) – These are unique because most adult family care homes exist in a residential setting within a neighborhood. They are licensed by the State of Florida through AHCA for 5 people or less. In most cases, they are family owned and operated. This option may be a great way for someone to continue living in a smaller home-like environment in a much more intimate setting. They accept private pay as well as various Medicaid programs. These homes do provide meals, laundry, housekeeping, assistance with showers, toileting, transferring, and dressing as well as medication reminders and more.  

Assisted Living (AL or ALF) – Assisted living communities are licensed and seem to be one of the most popular forms of senior housing available today. They come in all shapes and sizes and provide a variety of care services from as little as 6 beds to more than 120. It is primarily private pay, however, LTC Insurance, VA Aid & Attendance, and Statewide Medicaid Managed Care programs can all be used to help subsidize the cost.  

They provide meals, laundry, housekeeping, assistance with showers, toileting, transferring, and dressing as well as medication reminders and much more. Smaller ones may feel like a bed and breakfast while larger ones may feel like a resort. They may also offer memory care services on the same property, however, some facilities have stand-a-lone memory care buildings. It is important to explore your options and find the one that is best for your loved one because they are all different.  

Skilled Nursing Facility (SNF) – Skilled nursing facilities are what most people would remember to be as “nursing homes.” However, this is no longer the case. Skilled nursing facilities may provide three different services, 1. Long-term care, 2. Short-term rehabilitation, 3. Outpatient therapy. I always point out that assisted living is more hospitality and skilled nursing facilities are more medical. Private pay and Medicaid will typically pay for long-term care whereas Medicare or Medicare Advantage plans will pay for short-term rehabilitation. 

Continuing Care Retirement Community (CCRC) – Imagine all of the previous services listed all on the same campus. This is the concept behind CCRC communities. This option is more limited and depends on the market size. They typically have different monthly packages depending on the size of the “buy-in” amount. These may be referred to as “Life Care” plans.  

If you are caring for your mom, dad, spouse, or a loved one, we are here to help! Receive a FREE copy of Florida’s 5 Step Guide to Senior Care by simply calling our senior care expert hotline at 941-676-3411.  

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