How Much Does a Nursing Home Cost in Pennsylvania?

If you’re searching for a nursing home in Pennsylvania, then start here!

For seniors who need 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 live in nursing homes and that number could double by 2030. If you have a senior loved one who is transitioning 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 Pennsylvania!

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…

About Pennsylvania

Pennsylvania, fondly known as the Keystone State, is rich in history and natural beauty. It’s the site of pivotal moments in American history, including the signing of the Declaration of Independence and the Battle of Gettysburg. Pennsylvania offers a rich tapestry of experiences from the Liberty Bell in Philadelphia to the idyllic landscapes of the Pennsylvania Dutch Country.

In terms of living costs, Pennsylvania’s cost of living is approximately 4% lower than the national average. It boasts a population of about 13 million people, with nearly 3.3 million residents aged 55 years and older. This demographic finds Pennsylvania an attractive state due to its blend of urban and rural environments, extensive history, and diverse cultural offerings, including museums, theaters, and festivals.

From its historical landmarks and vibrant cities to its scenic parks and communities, Pennsylvania offers a welcoming and enriching environment for seniors and retirees looking for a place to enjoy their golden years.

How much does a nursing home cost in Pennsylvania?

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 Pennsylvania are $10,403 per month for semi-private and $11,157 per month for private.

Why the higher costs in Pennsylvania?

Several factors can contribute to the higher-than-average nursing home costs in some areas of Pennsylvania. These can include:

• The overall cost of living in specific regions of the state.
• The quality of care provided by individual facilities.
• The demand for nursing home spaces in specific areas.
• Specific amenities and services offered by individual facilities.

How much does a nursing home cost compared to other senior care options in Pennsylvania?

Let’s take a look at the cost of nursing homes in Pennsylvania compared to other senior care options:

How to pay for a nursing home in Pennsylvania

Besides personal savings, those living in Pennsylvania have several possibilities that can help pay if and when it’s time for long-term care!

Health Insurance

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 rarely 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.

Veteran Benefits

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:

Geriatrics and Extended Care 

VA Nursing Homes, Assisted Living, and Home HealthCare

Pennsylvania Veterans Benefits – VeteranAid.org

Medicare

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!

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 Pennsylvania, visit these resources:

Medicare.gov.

PA MEDI – Medicare Counseling

Medicare Supplement – Pennsylvania Insurance Department

Medicaid

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 PA, visit these resources:

Medicaid-Certified Nursing Facilities

Pennsylvania Medicaid Program

Medical Assistance & CHIP Renewals

State Assistance

Many states will offer additional assistance outside of Medicaid. Check these resources to find more help in your area:

Medical Assistance and Payment of Long-Term Care Services – PA.gov

Long-Term Care Grant

Area Agencies on Aging – Pennsylvania Department of Aging

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 Pennsylvania, then start with the Senior Resource Pennsylvania Nursing Care Directory!

Or, check out our resources by state!

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.

Looking for more great articles? Then start here!

Do you want to learn more about senior housing? Then read all about it here!

Need help with retirement planning? Then check out Bob Carlson’s Retirement Watch!