What is generally included in nursing home costs?

Nursing home costs typically include:

- Room and board: This covers the cost of the resident's room, meals, and other basic living expenses.

- Nursing care: This covers the cost of the nursing care that the resident receives, such as help with bathing, dressing, and medication management.

- Rehabilitation therapy: This covers the cost of therapy that the resident receives to help them recover from an illness or injury.

- Social and recreational activities: This covers the cost of activities that the resident participates in to stay active and engaged.

- Transportation: This covers the cost of transportation to and from doctor's appointments and other outings.

- Additional charges: Nursing homes may also charge additional fees for services such as laundry, parking, and phone service.

The cost of nursing home care can vary significantly depending on the type of care that the resident needs and the location of the nursing home. In general, nursing home care costs more in urban areas and in states with higher costs of living.

Some tips for saving money on nursing home care include:

- Choose a nursing home that is in-network with your insurance. This can save you money on your monthly premiums and out-of-pocket costs.

- Consider a lower level of care. If the resident does not need a high level of care, they may be able to save money by choosing a shared room or a semi-private room.

- Ask about discounts. Some nursing homes offer discounts for residents who pay in advance or for long-term stays.

- Get help from a financial advisor. A financial advisor can help you create a plan to pay for nursing home care and to make the most of your financial resources.