What if I can't afford it?

Nursing care can be expensive, but there are ways to help decrease your out of pocket expense.  Affordable care is out there, you just have to look.  Supplemental nursing home insurance is available, but you do have to plan ahead.  Discuss this option with your insurance agent, or see if family or friends can recommend a policy to begin your search.  Many nursing homes offer private and semi-private rooms.  Although it may not be your loved one's first choice, sharing a room can often reduce the monthly cost. 

Medicaid is another option for those needing care but unable to afford it.  Contact your local Medicaid office for qualifications and an application.  A caseworker will review if medical care is needed and if placement should be considered.  A finanical review is done to determine the level of fianancial assistance to be given.  Each case is reviewed periodically to make sure the resident still meets the criteria for aid.