Evaluating Memory Care or Assisted Living Community Costs

Evaluating Memory Care or Assisted Living Community Costs

by | Mar 22, 2015

Memory Care and Assisted Living Costs

Memory Care and Assisted Living Costs

Finding an affordable memory care or assisted living community can be a daunting task. Even this senior housing guru had to plan strategic questions before touring four memory care communities for my mother-in-law. See the questions HERE.

My husband and I flew 1000 miles to Seattle. We only had two days to tour memory care communities in the Seattle area. This required researching the Internet, calling former senior housing colleagues for recommendations and scheduling tours before we left. The timing was tricky because our limited time included visiting with my husband’s mom.

My husband created a spreadsheet to compare costs between these four memory care communities. The pricing is so complex that even someone working in the senior living field (like me) had trouble figuring out the monthly cost for my mother-in-law.

Care points, care levels or all inclusive costs?

Most assisted living and memory care communities seem to have a charge for room and board, then additional costs for care. Pricing can be very gray and feels like an illusion of smoke and mirrors. Care costs can be priced on a point system or a level system.

My mother-in-law, Amy, was assessed at 223 points at her current memory care community. Care costs varied dramaticly.  Some of our tour guides were actually guessing what level of care or point total she might be, before a nurse could assess her. This is what makes pricing difficult to compare. The community recommends that you to move her in and then they will figure out the monthly price. Sigh…

Here were the room and board costs of four memory care communities in the Seattle area (these prices do not reflect care costs):

Community A Private Room: $2,330

Community B Private Room: $5,095

Community C Private Room: $4,050

Community D Private Room: $4,137

 Room and board costs for a shared room in memory care are less:

Community A Shared Room: $1,050

Community B Shared Room: $4,895

Community C Shared Room: $2,850

Community D Shared Room: $3,837

So let’s try to figure out care costs:

Community A has four care levels: Amy’s current care level two (estimate) – $3,860

Community B has five care levels: Amy’s current care level three (estimate) – $2,595

Community C uses care points: Daily charge .54 a point x 223 = $3,613

Community D uses care points: Daily charge .73 a point x 223 = $4,884

So the price is so high, we decide to consider a shared room. So let’s add the shared room with the care costs to see what Amy would be charged each month:

Community A – Amy’s monthly total: $4,910

Community B – Amy’s monthly total: $7,490

Community C – Amy’s monthly total: $6,463

Community D – Amy’s monthly total: $8,721 

Each place said it would reassess Amy in two weeks. They implied the price would bump down, but it might bump up in price. Right?!!? So that led us to ask what could be the maximum cost for Amy’s care in a shared room?

Community A – Amy’s maximum cost: $6,820

Community B – Amy’s maximum cost: $9,045

Community C – Amy’s maximum cost: $9,006

Community D – Amy’s maximum cost: $12,159

Community D was priced the highest, but it also had the highest staff ratio and was a drop-dead gorgeous new building. We had to eliminate it due to Amy’s finances. Community A was priced the lowest and had a wait list. It was cheaper, but gross and we saw a low staff ratio. So that left us Community B or C. Community B had a care level pricing and was brand new. Community C was based on care points and was a dated older community. This is where our spreadsheet came in handy.

The bottom line for the family: Amy’s care was more important than a new community that looked great walking in the lobby. We felt Community C had outstanding personnel! Every single person greeted us on our tour. They painted the picture of Amy’s reality, but explained how they would provide the best care in a homey environment. We felt they were experienced enough to correct Amy’s medications that had been over prescribed at the hospital (You can read about drugging and diapering seniors HERE.). 

So Community C will initially cost the family around $6,000 a month, plus the one time community fee. They assessed Amy the same day we toured (another example of excellent service) and determined that 223 points was too high. Her new assessment is less than 200 points.

One-Time Community Fee

Assisted living and memory care communities typically have a community fee (one time) when someone moves in. Here were the memory care community fees for the four places we toured:

Community A: $2,500

Community B: $4,895

Community C: $6,500

Community D: $10,433

It’s complicated to compare senor-housing options; I hope this information can help you. Some other assisted living and memory care communities are all inclusive and only charge extra for incontinence care. Do your own research. Cheaper does not always mean better. Look beyond the superficial newness to the quality of the nursing and caregiver staff. Don’t forget to ask about turnover of staff. Community C has two key staff that have worked over 10 years for the company.

What have you encountered?

I haven’t even discussed who can afford these expensive prices? What about poverty level seniors? What happens when a senior runs out of money? Why is Medicaid almost impossible to find at licensed assisted living communities? These questions are addressed in my new book, “Your Senior Housing Options.” It is available on Amazon.com with a 5-star rating.

Worried Sick 1000 Miles Away (part 1)

Worried Sick 1000 Miles Away (part 1)

by | Feb 15, 2015

Bill and Amy in 2012

Bill and Amy in 2012

Aging parent’s decisions can drive us crazy or make us sick. When a parent with dementia stubbornly chooses to stay home, it can be heart breaking for the adult children. Watching a senior’s vitality fade is hard enough. But for an adult child to witness a parent’s poor hygiene, lack of nutrition by eating frozen dinners (not fresh food) and to see the absence of good judgment is tough and sad.

Some of us never get sick. Yet here I am, literally worried sick about my in-laws. A month ago my father-in-law, Bill, had a heart attack. My mother-in-law, Amy, with dementia was left alone for the majority of three days and nights as the local children rallied around the dad at the hospital. They did make sure she had food and medications. My husband and I hired a geriatric nurse to evaluate and help Amy. The nurse was to be our eyes and ears, since we live 1000 miles away. By the time the nurse intervened, Amy had become psychotic and had trouble recognizing her own children.

To make a long story short – my father-in-law never wanted to move to a retirement community or assisted living. He actually told my husband and I (working in the senior living business) that he understood that he would be waiting for a health crisis.

Well a crisis is one parent in the hospital and we had two. Over the last month, Bill improved enough to graduate from the hospital, to rehabilitating in skilled nursing care, to living permanently with his adult daughter in her home. He was told by professionals that he could no longer be Amy’s caregiver (he had been her caregiver for five years) and would need help for himself 24-hours a day. Pneumonia and a fall preceded the heart attack and now he has trouble catching his breath if he overexerts himself in any way and can’t remember to take his own medications because of dementia.

Let me fast forward on Amy’s simultaneous crisis. Amy’s Alzheimer’s prevented her from grasping that her husband of 65 years was in the hospital. She eloped (I think she walked away to search for her missing husband and ultimately the police found her) and hit a nurse in her confusion and anxious state. The police took her to the hospital and she resided in the emergency room for two days because they did not have a bed in the locked area. This is the part I don’t even want to imagine because I know they must have had to sedate her completely because she was an elopement risk.

A week later, both the skilled nursing community where Bill was getting rehab and the hospital where Amy resided wanted to discharge them simultaneously. The local children said that was impossible and they had to be discharged one at a time. So Bill was released first. Our goal was to have Amy placed in a quality secured memory care by the end of the next week. That week ended two days ago on Friday. Now it’s a holiday weekend and she is stuck in a locked psych ward in a hospital. Amy could have been discharged on Friday afternoon. The injustice of it all has made me sick. Next week I will share why Amy was not released – you will be shocked and disgusted.

Diane Masson’s new guide book for seniors, “Your Senior Housing Options,” will be will be coming soon to Amazon.com. If you sign up for my weekly newsletter on the right side of this blog, you will be notified when my new book becomes available. Check out my new website: Tips2Seniors.com or please follow me on Facebook.

Diane Twohy Masson is the author of “Senior Housing Marketing – How to Increase Your Occupancy and Stay Full,” available at Amazon.com with a 5-star rating.  The book is required reading at George Mason University as a part of its marketing curriculum.  Within this book, the author developed a sales & marketing method with 12 keys to help senior living providers increase their occupancy.   Masson developed this expertise as a marketing consultant, sought-after blogger for senior housing and a regional marketing director of continuing care retirement communities in several markets.  She has also been a corporate director of sales and a mystery shopper for independent living, assisted living, memory care and skilled care nursing communities in multiple states.  Currently, Masson is setting move-in records as the regional marketing director of two debt-free Continuing Care Retirement Communities in Southern California – Freedom Village in Lake Forest and The Village in Hemet, California.  Interestingly, this career started when she was looking for a place for her own mom and helped her loved one transition through three levels of care.

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