Posted by 
The term "nursing home" is no stranger to us.In the United States, the English of nursing homes is calledNursing home,it's forA 7×24-hour professional nursing place provided by people who cannot take care of themselves at home, but do not need to stay in the hospital for nursing care all the time.
According to data released by AoA, the Aging Administration under the U.S. Department of Health and Human Services,今年65岁的群体中，有70%的人以后都需要用到某种类型的长期护理服务，其中20%的人群需要用到长达5年及5年以上时间的护理。
When we need temporary or long-term intensive care in our retirement life, providing 7×24-hour private "Nursing Home" has become the first choice for our families.
but,The price of nursing home (Nursing Home) is very high, May have a drastic impact on the family’s financial situation.How much does it cost to live in a private nursing home?What are the prices and expenses of nursing homes?Life Tank©️Provides a national data survey report1Give everyone an interpretation.
Average price and cost of nursing homes in the U.S.
The prices and expenses of nursing homes in the United States depend on many factors, such as our place of residence, the quality of service providers, and the length of time that we live in nursing homes to receive care.
In some nursing homes, the price is all-inclusive, while in other nursing homes, additional physiotherapy, amnesia or Alzheimer's (Alzheimer's) care services may be charged for other expenses.
When purchasing nursing home services,Life Tank©️It is recommended to first understand the range of service prices and the price list of additional services.
According to the annual nursing price survey report released by Genworth®️ in 2020, we have drawn the cost data table below, providing the price and cost (average price) of two types of nursing homes in all states in the United States.
(Average price of rooms in nursing homes across the United States in 2020)With the government's large-scale printing of money from 2020 to 2021, the prices of nursing homes in the United States will rise with the tide, and will continue to increase prices.According to forecasts, the monthly cost of a single room shared by 2 people in a nursing home will beMore than 2030 U.S. dollars in XNUMX.
The following chart is a chart of the past, present and future annual prices of nursing homes in the United States based on inflation expectations:
(2016-2030 U.S. nursing home price trends)
Prices in different regions are also different,Life TankThe following table drawn by ©️ shows the room prices (average monthly price) of nursing homes in various states in the United States in 2020 for residents in different regions to inquire.
| U.S. states | Shared private room for 2 people | Separate private room |
|---|---|---|
| Alabama | $6,540 | $6,911 |
| Alaska | $37,413 | $36,378 |
| Arizona | $6,844 | $8,213 |
| Arkansas | $5,931 | $6,540 |
| California | $9,247 | $11,437 |
| Colorado | $8,517 | $9,733 |
| Connecticut | $12,927 | $13,992 |
| Delaware | $12,349 | $12,699 |
| District of Columbia | $12,471 | $14,357 |
| Florida | $8,669 | $9,817 |
| Georgia | $6,722 | $7,173 |
| Hawaii | $12,015 | $13,802 |
| Idaho | $8,669 | $9,125 |
| Illinois | $6,235 | $7,026 |
| Indiana | $7,133 | $8,486 |
| Iowa | $6,570 | $7,148 |
| Kansas | $6,692 | $7,026 |
| Kentucky | $7,330 | $7,939 |
| Louisiana | $5,536 | $5,840 |
| Maine | $9,642 | $10,615 |
| Maryland | $10,190 | $10,646 |
| Massachusetts | $12,623 | $13,535 |
| Michigan | $8,973 | $9,733 |
| Minnesota | $11,026 | $12,025 |
| Mississippi | $7,057 | $7,148 |
| Missouri | $5,080 | $5,749 |
| Montana | $7,665 | $8,273 |
| Nebraska | $7,194 | $7,931 |
| Nevada | $9,262 | $10,585 |
| New Hampshire | $10,646 | $11,315 |
| New Jersey | $11,254 | $11,863 |
| New Mexico | $7,406 | $8,304 |
| New York | $12,319 | $12,927 |
| North Carolina | $7,300 | $8,060 |
| North Dakota | $12,167 | $12,764 |
| Ohio | $7,148 | $8,213 |
| Oklahoma | $5,323 | $5,779 |
| Oregon | $10,114 | $11,178 |
| Pennsylvania | $10,038 | $10,828 |
| Rhode Island | $8,669 | $10,220 |
| South Carolina | $7,298 | $7,861 |
| South Dakota | $7,011 | $7,521 |
| Tennessee | $7,072 | $7,619 |
| Texas | $5,019 | $6,388 |
| Utah | $6,388 | $8,365 |
| Vermont | $9,779 | $10,311 |
| Virginia | $7,665 | $8,821 |
| Washington | $9,581 | $10,950 |
| West Virginia | $11,376 | $12,136 |
| Wisconsin | $8,684 | $9,429 |
| Wyoming | $8,258 | $8,714 |
Several ways Americans pay for nursing homes
We can pay for the nursing home out of our own pocket, but we can also use other methods toPartial exemption or payment, The following 6 ways are commonly used by American families:
- Elderly medical insurance (Medicare)
- life insurance (Life Insurance)
- Annuity savings (Annuity)
- Long-term care insurance (Long Term Care Insurance)
- Medical Account Deposit (FSA/MSA)
- Rental Housing/Reverse Housing Loan
- State or regional medical assistance, etc.
Among these 6 payment methods,The most misleading thing is the claim settlement of Medicare (commonly known as the red and blue card insurance) as the "medical insurance for the elderly".The specific situation and details will be further explained in the following content.
Medicare (red and blue card insurance) pays for nursing home care expenses
Medicare (commonly known as red and blue card insurance) will onlySpecial circumstancesNext, pay part of the cost of professional nursing services.It will not and is not a government insurance designed to pay for long-term care services.
Special circumstances include being admitted to the hospital as an elderly person for treatment, and then the hospital believes that there is no need to stay in the hospital, but some professional care is still needed.In the following 3 cases, Medicare (commonly known as red and blue card insurance) will help payshort termNursing costs:
- Hospitalized for at least 3 days.
- Within 30 days of hospitalization, he was sent to a Medicare-certified nursing facility.
- Need physical therapy, speech therapy, or other types of rehabilitation professional nursing.
If the elderly hold Medicare (commonly known as the red and blue card insurance) and are in the hospital for 3 days, the red and blue card insurance will pay for professional care according to the following conditions:
- Day 1-Day 20,Medicare (red and blue card insurance) pays for up to 20 days of professional care.
- Day 21-Day 100, The patient needs to pay $185.50 per day. (Price Standard for 2021)
- Day 101-After, The patient pays all expenses.
Common Misunderstandings About U.S. Nursing Homes
1. If I can't take care of myself at home, then I can only go to a nursing home.
Fact: No.As a mature business society, we, as consumers, have many choices in taking care and nursing this market.We can choose to invite people to take care of us at home, or specially invite people to buy vegetables, wash clothes, or buy regular door-to-door "Home Nursing Service"Even if the doctor does not recommend continuing to receive care at home, we can still choose "assisted living" elderly community and care services. This level of care services is between "nursing home professional care" and "home care". Even if we start Consider "hospice care", which can also be done at home.
2. Nursing homes are for the elderly whose family members do not care.
fact: Many cultures, especially Asian cultures, generally believe that caring for the elderly is the responsibility of the family.However, in modern society, families are distributed far away, and family units have become smaller.And because of the advancement of science, people with chronic diseases live longer. Therefore, it is impossible to rely entirely on family.Considering nursing homes for elderly family members does not mean not caring about them.It is the ability of modern families to provide the necessary care.
3. Most nursing homes are poorly managed and the care level is poor.
fact: In market competition, there are nursing homes with various service levels.Some elderly care institutions that rely on government funding or lack of funds do have a lack of management and care, while other top private nursing homes or retirement clubs provide five-star conditions and experience.This kind of service and experience is determined by market demand and price.
4. Once you live in a nursing home, you can't live without it.
fact: Sometimes, due to illness or injury, we need continuous medical and nursing services, even until the end of our lives.But in reality, many people are sent to nursing homes for the first time after being admitted to the hospital suddenly (for example, a fall or a stroke).After rehabilitation, you can return to your home to receive home care, or choose a more suitable assisted living community to live in.
(Copyright is strictly prohibited at the end of the full text)
(>>>Recommended reading:The topic of long-term care in the United States and the U.S. CCRC retirement community ）
appendix
01. "Cost of Care Survey", Genworth, 01/12/2021, https://www.genworth.com/aging-and-you/finances/cost-of-care.html
