How Much Do Nursing Homes Cost in Philadelphia, Pennsylvania?
For seniors who need full-time health and personal care, a nursing home may be the perfect option. Over 1.3 million people across the country currently live in nursing homes and that number could easily double by 2030. If you or a loved one have decided it’s time to transition to this type of care, you’ll want to know these numbers. Here’s everything you need to know about the cost of nursing homes in Philadelphia, Pennsylvania.
What is a Nursing Home?
A nursing home serves as a supportive home for seniors who may not necessarily require hospitalization, but do need a higher level of care or medical oversight than what can be offered at home or in assisted living. These facilities provide structured routines, meals, and round-the-clock medical attention, ensuring their residents are taken care of at all times.
Each resident typically has a personalized care plan and undergoes regular health evaluations. Here are some of the main characteristics of a nursing home:
- Full-Time Health Care
- Full-Time Personal Care Assistance
- Skilled Nursing
- Medication Management
- Social and Recreational Activities
About Philadelphia, Pennsylvania
Philadelphia, the City of Brotherly Love, is the largest city in Pennsylvania by population. Of its 1.6 million residents, over 13% are aged 65 and older. According to Best Places, Philadelphia’s cost of living is 1.2% higher than the national average. Even so, retirees find that there’s no place like Philly, as it is home to some of the most famous American historical sites, including Independence Hall and the Liberty Bell. It’s an eclectic hub for sports fans, art enthusiasts, and foodies alike. Spend the day rooting for the Eagles and eating cheesesteaks. Then, visit The Philadelphia Museum of Art where Sylvester Stallone famously raced up the stairs as Rocky Balboa.
How Much Does a Nursing Home Cost in Philadelphia?
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. Although actual costs will vary by facility and amenities offered, the averages in Philadelphia are $11,437 per month for semi-private and $12,897 per month for private.
How Much Does a Nursing Home Cost Compared to Other Senior Care Options in Philadelphia?
Let’s take a look at the cost of nursing homes in Philadelphia compared to other senior care options:
| Type of Care | National Average Monthly Cost | Philadelphia Average Monthly Cost |
|---|---|---|
| Nursing Home, Semi-Private Room | $7,908 | $11,437 |
| Nursing Home, Private Room | $9,034 | $12,897 |
| Homemaker Services | $4,957 | $5,329 |
| Home Health Aide | $5,148 | $5,339 |
| Assisted Living | $4,500 | $5,685 |
| Adult Day Health Care | $1,690 | $1,777 |
How to Pay for a Nursing Home in Philadelphia
Besides personal savings, you have several possibilities that can help pay if and when it’s time for long-term care!
Health Insurance
Traditional health insurance typically excludes long-term care, including custodial care in a nursing home. However, specific medical services you receive, like wound care, physical therapy, and other treatments by trained professionals, may still be covered.
Before choosing a nursing home, carefully review your policy or consult your insurer to understand covered services. Ask the administrators to itemize your bill by separating custodial care, medical care, and room and board. This breakdown will help you clearly identify which aspects of your care might be covered by your insurance, allowing you to plan accordingly.
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:
VA Philadelphia Health Care | Veterans Affairs
Medicaid
Medicaid is a joint federal and state program that helps low-income individuals 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 Pennsylvania, visit these resources:
Medical Assistance & CHIP Renewals
Need Help Finding a Nursing Home?
If you’re looking for a nursing home, start with these senior resources:
Senior Resource Nursing Home Directory – Philadelphia, Pennsylvania
Senior Resource Nursing Home Directory – State of Pennsylvania
For more resources in Philly, start here.
For more resources in the state of Pennsylvania, start here.
Top 99 Best Retirement and Senior Living Resources Near Philadelphia
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Originally published March 05, 2024
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