If you’re searching for a nursing home in Ohio, then start here!
For seniors who are in need of full-time health and personal care, a nursing home may be the perfect option. It’s estimated that over 1.3 million people in the US currently reside in nursing homes and that number could double by 2030. If you or a loved one have decided that it’s time to transition to this type of care, it can be useful to know what to expect. So, here is everything you need to know about the cost of nursing homes in Ohio!
- What is a nursing home?
- About Ohio…
- How much does a nursing home cost in Ohio?
- What determines the cost of a nursing home in Ohio?
- How much does a nursing home cost compared to other senior care options in Ohio?
- How to pay for a nursing home in Ohio
- Health insurance
- Need help finding a nursing home?
- Need something else?
What is a nursing home?
A nursing home is a living option for seniors who do not need a hospital but require a higher level of care or medical attention than can be provided at home or in assisted living. Nursing homes provide structured schedules, meals, and around-the-clock medical treatment. Residents have care plans and receive regular health assessments. Common features to look for in a nursing home are:
- Full-time health care
- Full-time personal care assistance
- Skilled nursing
- Medication management
- Social and recreational activities as part of a daily schedule
- And many, many more…
Ohio, affectionately known as the Buckeye State, is a Midwestern state celebrated as the Birthplace of Aviation. It’s home to the Rock and Roll Hall of Fame and Pro Football Hall of Fame as well as several natural landmarks. Lake Erie, the Ohio River, and 1,500 miles of western Appalachian foothills make Ohio a popular state for hiking, camping, and sightseeing.
Compared to the rest of the US, Ohio’s cost of living is around 17.4% lower than the national average (according to Best Places). It has a population of over 11.6 million people. And, of that number, over 3.6 million are aged 55 years and older.
How much does a nursing home cost in Ohio?
The national average nursing home costs are $7,908 per month for a semi-private room and $9,034 per month for a private room (Genworth Cost of Care Survey). Though actual costs will vary by facility and amenities offered, the averages in Ohio are $7,300 per month for semi-private and $8,213 per month for private.
What determines the cost of a nursing home in Ohio?
The overall cost of an assisted living facility will greatly depend on how many services and which types you will need. Someone who needs very little assistance can expect to have a lower monthly bill than someone who needs lots of hands-on care. Also, factors like floor plans and meal services will affect the price, as well as the staff-to-resident ratio.
There are typically two ways assisted living is charged: a la carte and all-inclusive.
An a la carte bill will be itemized. It usually includes monthly rent (room and board), care service fees, medication management, medical assistance, and other housekeeping or repair services. Charges for some recreational activities may also show up here.
All-inclusive is exactly how it sounds. There will be one monthly fee that covers rent and all amenities and services you may use. However, with this type of billing, sometimes the extent to which some services can be used is capped.
How much does a nursing home cost compared to other senior care options in Ohio?
Let’s take a look at the cost of nursing homes in Ohio compared to other senior care options:
|Type of Care||National Average Monthly Cost||Ohio Average Monthly Cost|
|Nursing Home, Semi-Private Room||$7,908||$7,300|
|Nursing Home, Private Room||$9,034||$8,213|
|Home Health Aide||$5,148||$5,053|
|Adult Day Health Care||$1,690||$1,733|
How to pay for a nursing home in Ohio
Besides personal savings, Ohioans have several possibilities that can help pay if and when it’s time for long-term care!
Though plans do not typically pay for long-term care, some policies will allow coverage for individual medical services. When shopping for a nursing home, ask administrators if your bill can be divided up by custodial care, medical care, and room and board. Health insurance almost never pays for personal care or living expenses. But – sometimes it will pay for skilled nursing or other types of medically-necessary services received when living in a nursing home. So – check your policy!
Long-Term Care Insurance
Long-term care insurance can help pay for care received in your home, a nursing home, an assisted living facility, or even adult daycare centers. Usually, policies state that you become eligible for benefits when you’re unable to perform at least two of six activities of daily living.
The VA will cover the cost of many services under standard health benefits. Veterans may be eligible for Community Nursing Homes, which are residential care centers and skilled nursing facilities, paid for by VA benefits.
To see a full list of long-term care services and to apply for assistance, check out these resources:
It’s no secret that Medicare doesn’t pay for long-term care, so don’t count on it to flip your bill for room and board. However, under the right circumstances, nursing home residents can still use it in other ways. Here’s how:
If you receive any medically necessary skilled nursing care, it may be covered by Original Medicare (Parts A & B). Treatments such as daily injections, IV therapy, or wound care are examples.
Your Medicare Advantage Plan most likely won’t pay for any custodial care. But, it will pay for some skilled nursing, prescription medications, and even emergency services.
Medicare Part D will pay for prescription medication, even while residing in a nursing home! Check out Medicare.gov for more info!
In limited circumstances, Medicare will pay for nursing home costs in full if a doctor recommends a short-term stay in a facility for medically necessary treatment.
For Medicare help in Ohio, visit these resources:
Medicaid is a joint federal and state program that helps low-income seniors pay for care. It can help with the cost of both custodial and medical care. Every state has different qualification requirements.
For eligibility and enrollment in Ohio, visit these resources:
Many states will offer additional assistance outside of Medicaid. Check these resources to find more help in your area:
Need help finding a nursing home?
A nursing home may be the perfect option for seniors who require full-time health and personal care. But, choosing a new place to live is an important decision – so, you may want a little help! If you’re looking for a nursing home in Ohio, then start with the Senior Resource Ohio Nursing Care Directory!
To learn more about nursing homes, click here.
Need something else?
Whether it’s time for a change, or you’re just doing some research, we can help! At SeniorResource.com, we believe in the empowerment of older adults and their caregivers through knowledge. But, we also understand that at this juncture of life, time is your most valuable asset. So, why waste it doing another internet search? Senior Resource is your one-stop spot for all things retirement. We do the work and find all the facts, just so you don’t have to!
SeniorResource.com exists to provide aging adults, retirees, and caregivers with applicable, and educational content, relevant to the over 55 community. As such, we address topics like senior housing, nursing care, and aging-in-place.
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