We realize some terminology may be unfamiliar to readers new to the long term care industry. With this in mind, Chancellor Health Care offers this simple glossary to introduce and explain some of the most common and important terms. We welcome suggestions for additions to this glossary; please submit them by email.
Continuing Care Retirement Communities
Comprehensive, lifetime range of care from independent living to nursing care. Costs and level of care vary widely -- costs range from about $200 per month to around $3800, with entry fees often being required.
Most of these communities require new residents to be healthy and independent, but some allow individuals to enter assisted living or nursing care.
Who Pays: Private pay; some services may be covered by Medicare or long term care insurance.
Independent Living Retirement Communities
Housing designed for individuals who can live independently. Some are affiliated with or located near health care facilities that provide added support if needed. Costs range from $281 to $3500 per month.
These are communities intended for people who are able to function independently and need a minimum of assistance.
Who Pays: Private pay, or private pay with rent subsidy based on income.
Assisted Living/Group Homes
This is housing designed for those who cannot live independently, but do not need skilled nursing care. The level of assistance varies among facilities. Costs for this level of care can range from $250 to $5000 per month
This type of housing is intended to meet the needs of those people who need help with personal care and household tasks.
Who Pays: Private pay; some services may be covered by long term care insurance.
Nursing Care Facilities
These are facilities staffed by health care professionals under the direction of a physician. They are designed for individuals who need skilled nursing care on a regular basis. Nursing Care Facilities cost from $72 to $300 per day.
Nursing Care Facilities are appropriate for people who need 24-hour-a-day nursing care and supervision.
Who Pays: Private pay, Medicare, Medicaid, or long term care insurance.
Home Health Care Agencies
Home Health Care Agencies provide in-home services which may range from assistance with light housekeeping to skilled nursing care. The costs vary depending upon the level and frequency of services.
Home Health Care Agencies may provide an alternative for individuals who wish to remain in their own homes while receiving necessary care.
Who Pays: Private pay, Medicare, Medicaid, or long term care insurance.