Communal Living That Feels Like Home
How to Choose A Long-term Care Provider
It is our goal to provide compassionate, comprehensive care for our residents. We work closely with our residents’ family members and loved ones as we navigate their care journey together. Being a caregiver can be stressful, frustrating, difficult, and rewarding all at the same time.
When it comes time to evaluate or re-evaluate your loved one’s care situation, there are many things to consider.
You want your loved one to receive the kind of care that they need in a safe, clean, and comfortable environment. Most of all, you want them to be happy and feel loved when you can’t be there with them.
Choosing a care provider is a hard decision. We like to tell people to begin by considering the challenges a person is facing, the type of support they might need, and their life preferences. Do they like to be alone? Do they need around-the-clock care? Can they take care of basic, daily activities by themselves? Based on what you think is working and not working for them, you can begin to narrow care choices. It can also be helpful to consult their physician.
A Continuum of Care
Once you know the spectrum they are on, you can begin to look at the kind of care that is available. Does the person need in-home care? Can they thrive in a somewhat independent setting such as an assisted living community or a personal care community? Or do they need around-the-clock care in a skilled nursing setting?
Some providers, like us, have flexible offerings that provide a continuum of care in a community. For example, if a person experiences a health setback and needs to go into rehabilitation and cannot live on their own after they meet their rehabilitation goals, they can consider living at one of our personal care, assisted living, or skilled nursing communities. Or, if they become a resident at one of our personal care communities and need rehabilitation, they can receive the service directly from us.
Providers that offer a continuum of care keep residents in the same location, making it easier on the resident and their loved ones. To determine the kind of care someone needs, nursing staff typically perform an evaluation and work with the resident’s doctors. As the resident’s needs change, they can move to different levels of care within the same community or sister community.
Here are some questions to ask a potential care provider:
- Do you offer different levels of care to residents/patients?
- How do you meet residents' changing needs as they age?
- How do you determine the kind of care someone needs?
- How often do you communicate with your residents' families?
Finding A New Home
Once you determine the level of care someone needs, it’s time to begin considering the provider and their location.
Many residents like to stay in their current neighborhood to be near friends and family, their church, and places they like to frequent. Start with identifying providers in your loved one’s neighborhood, or providers in a location that is close to your home or place of work. Then schedule tours to visit places of interest.
Pay close attention to how staff members interact with one another, residents, and you. Staff members will spend a lot of time with your loved one and will become an important part of their life.
At Presbyterian Homes of Kentucky, our goal is for staff members to build relationships with residents and family members so that there is a genuine exchange of connection between people involved in the care.
At the end of the day, all we have is each other. Staff and resident relationships have been vital to happiness in our communities during the COVID-19 pandemic.
Here are some things to consider when touring a provider:
- Is it clean?
- Are people friendly and kind?
- Do people smile?
- Do people speak to each other?
- What activities do they offer for residents?
- Do staff members communicate well with your family?
- Is the environment homelike?
- Is your loved one comfortable?
- Do the people call each other by name?
- Are you comfortable?
Paying For Long-Term Care
The cost of long-term care expands or narrows someone’s choice of provider. Without insurance or Medicaid/Medicare, individuals can expect to pay between $8,000 – $10,000 a month for long-term care services.
For-profit long-term care providers are typically driven by the bottom line and have extra amenities available to potential residents/patients. Non-profit organizations (like us) are driven by a motivation of service for the benefit of the larger community. We try to serve a general need that is unmet or a population that may not be able to afford the for-profit options.
Our resources are poured into our people. We focus on the relationship we have with one another and the community that surrounds us. We may not have swimming pools or the latest technology, but we are committed to providing loving care and service to one another as employees and to our residents.
It’s important to note that regular health insurance does not cover long-term care. However, regular health insurance can cover short-term rehabilitation in some circumstances. Medicare does not cover ongoing assisted living, personal care, or long-term care. It can, however, cover short stays in nursing homes and hospice care for the last six months of life.
Personal care and assisted living communities are generally private pay, or can be covered by long-term care policies, depending on the plan.
Trying to figure out how to pay for long-term care can be frustrating and scary. If you choose us as your provider, we will walk you through payment options and will help you secure available funding through Medicaid, VA, and any other possible source.
As a person ages, their private funds may dwindle. Since we offer a continuum of care, we are able to move people into a different level of care based on their needs and financial situation.
Long-term care is expensive. People usually pay for it using a combination of sources. Below are the common ways people pay for care.
Different Methods of Payment For Care:
- Private funds (referred to as "private pay")
- State Medicaid/Medicare
- Long-term Care Insurance
- Veterans Affairs (VA) benefits
Different Levels of Care, One Cost
Different providers charge for extra services or care items. Our residents pay one monthly fee that includes all services, meals, and “extra” services. We want our residents to feel at home.
We also offer a Caring Hands Fund. Funded by donations, if personal care or assisted living residents apply and meet certain criteria, they receive supplemental payments and are able to remain in their community.
Our goal is to keep residents in the Presbyterian Homes of Kentucky family. When someone becomes part of our family, we do everything we can to help them stay with us.
“It gets me through the day knowing that my mom is being cared about.”
Daughter of a Rose Anna Hughes Resident
“So grateful that you are giving my aunt the opportunity to try to succeed.”
Aunt of a Westminster Terrace Resident
“My grandfather is a resident and loves this place. The nurses and staff absolutely dote on him. He enjoys the activities and is well cared for.”
Granddaughter of a Rose Anna Hughes Resident
“My Mom is here and she loves it. The staff are like family members. The meals are good and nutritious.”