As our loved ones age, their medical care and personal care needs may increase, and finding suitable options can become challenging. Adult day care centers or skilled nursing facilities have become a popular choice for families seeking supervised care and companionship for their elderly members.
However, these programs can be an extremely costly option, which is why many families opt for home care instead of institutional care, like nursing homes or adult programs.
In this article, we dive into the average costs of adult day care across the United States, as well as whether Medicare or Medicaid offers any coverage for these services.
How Much Does Elderly Day Care Cost?
The cost of adult day care can vary significantly from state to state. Factors such as location, services offered, and the facility's amenities contribute to these variations. To provide an overview, here are the average daily costs of adult day care in several states:
- California: $75 - $100 per day
- Texas: $60 - $85 per day
- New York: $80 - $110 per day
- Florida: $60 - $90 per day
- Illinois: $70 - $95 per day
Keep in mind that these figures are estimates, and costs may be subject to change over time. Additionally, some centers offer discounted rates for multiple days or partial-week attendance.
Does Medicare or Medicaid Cover Senior Day Care?
Medicare and Medicaid can play crucial roles in assisting with senior care costs. However, when it comes to adult day care, the coverage options differ:
- Medicare Coverage for Adult Day Care: Generally, Medicare does not cover the costs of adult day care centers. It primarily focuses on medical services, such as hospital stays, doctor visits, and prescription drugs. Therefore, seniors should not rely on Medicare to pay for adult day care expenses.
- Medicaid Coverage for Senior Care: Medicaid, on the other hand, offers more potential for coverage. Eligibility and benefits differ by state, and some states offer waivers to assist with adult day care expenses for eligible individuals. Seniors can contact their state's Medicaid office to learn about available options and requirements.
How to Get Daycare Assistance?
For families facing financial challenges, there are several ways to seek assistance in covering adult day care expenses:
- Medicaid Waivers: As mentioned earlier, Medicaid waivers can provide financial assistance for senior day care. Check with your state's Medicaid office to determine eligibility and application procedures.
- Veterans Benefits: Veterans and their spouses may be eligible for the Aid and Attendance program, which can help cover adult day care costs. Reach out to the Department of Veterans Affairs to explore available benefits.
- Long-Term Care Insurance: If your loved one has a long-term care insurance policy, it may include coverage for adult day care. Review the policy's terms and conditions to understand the extent of coverage.
Finding Adult Day Care and Understanding Services Offered
Finding a suitable adult day care center is essential to ensure your loved one's well-being and happiness. Here are some steps to guide your search:
- Research Online: Utilize search engines to find adult day care centers in your area. Use keywords like "senior day care near me" or "adult day care facilities in [your state]."
- Schedule Visits: Once you've shortlisted potential centers, schedule visits to get a firsthand look at their facilities, programs, and staff.
- Understand Services: Inquire about the services offered, such as recreational activities, socialization opportunities, meals, and medical supervision. Choose a center that aligns with your loved one's needs and interests.
The Family Care Option
Many times, families prefer to provide home care for their elderly loved ones instead of sending them to adult day care. This is because being in a familiar environment with family members can greatly increase comfort and emotional well-being for your loved one.
When there's a trained family caregiver in the home, they can closely monitor the elderly person and reduce the risk of accidents. They can also promptly address any health issues that may arise.
Becoming a Home Health Aide (HHA) as a family caregiver can have financial benefits. It allows individuals to care for their loved ones without having to pay for professional caregivers. Having a family member become the primary HHA is especially helpful for caregivers who qualify to get paid through Medicaid long-term care benefits and programs.
In some states, there are compensation programs or financial assistance available for family caregivers. This can help alleviate the financial burden while ensuring that quality care is provided to elderly or disabled family members.
Families should carefully assess their capacity and explore available support options to provide the best care for their loved ones.
How Aidaly Can Help
At Aidaly, we train and pay family caregivers looking after their loved ones on Medicaid. See if you qualify here, it only takes a couple of minutes!
If you’re considering becoming a family caregiver for your loved one on Medicaid, Aidaly can check your eligibility and provide training and compensation for the valuable work you do in the home.
Learn more about Aidaly in Miami here, or contact us at (786) 321-8876.