Deciding between assisted living vs. home care can be complicated. If you are a caregiver for a loved one, it may be challenging to transition to home care or assisted living. 

Often, you may need assistance managing a family member’s care. But don’t worry; you don’t have to do it alone. 

Coral Senior Care Consultants, based in Pasco and Hernando counties in Florida, specializes in helping you navigate safe senior living options. Using Coral Senior Care Consultants’s guide for seniors, you can more easily navigate the best choice for your family.

Image of a senior receiving at home care

Assisted Living 

If you’re uncertain whether assisted living is best for you, there are a few facts to consider. Assisted living is for seniors in need of daily care. This option is best for those who can no longer live in their home but don’t require round-the-clock care. 

Residents are typically housed in individual rooms, and there are common rooms where activities are held. These facilities range from as little as 25 to 120 residents with five levels of care:

  • No assistance
  • Minimal assistance 
  • Low-level
  • Moderate care
  • High-level/full 

Assisted living is beneficial because it provides a wide variety of services, such as:

  • Healthcare monitoring and management
  • Help with daily activities (bathing, dressing, or eating)
  • Housekeeping and laundry
  • Medication reminders or dispensing
  • Recreational activities
  • Transportation
  • Security

Home Care

When choosing assisted living vs. home care, there are several aspects to consider. Home care is excellent for those who want to live independently but require regular assistance. 

This allows you to stay in your home as you age without going into a nursing home or long-term facility. Unlike home health care, which provides you access to clinical or licensed treatment, home care offers non-clinical and non-skilled help from professional caregivers. 

Depending on the individual, the length and level of care differ. This choice is less expensive than home health care and assisted living. 

Home care services include:

  • Household maintenance (laundry, gardening, housekeeping)
  • Transportation (access to public transportation and senior transportation services)
  • Home modifications (shower chairs, wheelchair ramps)
  • Personal care (bathing, dressing, meal preparation)
  • Health care (occupational therapists, social workers)
  • Day programs or adult daycare
  • Monitoring vitals
  • Prescription management
  • Companionship
  • Supervision for seniors with Alzheimer’s Disease or other types of dementia

Assisted Living Costs

Assisted living costs can be expensive, but it depends on the facility. Typically, the size, location, and level of services contribute to the total cost. 

Depending on the facility, the residents will either pay for an all-inclusive living arrangement or pay fees for individual services. With all-inclusive pricing, members pay one amount that covers the rent, meals, and other requested services (i.e., transportation, housekeeping, or fitness center). The average price ranged between $4,000 and $6,000 per month. 

The Section 202 Program, which the federal government funds for seniors over 62, may be available to your loved one if they have a low income. This program will provide rent assistance for assisted living. Or if your family member is a veteran, they may qualify for Aid & Attendance, a monthly needs-based payment on top of a veteran’s pension that covers the cost of long-term care. 

Medicare does not cover the cost of residency, but they can pay for room and board using a waiver. If you have another form of coverage, contact your insurance company to determine what they provide funding for. 

Home Care Costs

Home care is generally paid for out of pocket. Depending on how much assistance you need, the cost will vary. Professional caregivers can range from $25–29 per hour to $4,576 per month for a home health aide. Many seniors use annuities, borrow money, tap into their life insurance, or rely on their savings. 

Medicare will only cover skilled, licensed workers, such as physical or occupational therapists. However, a healthcare professional must determine that the senior is homebound in order for them to qualify. If you cannot afford this option independently, check the National Council on Aging’s BenefitsCheckUp to see what funding programs you qualify for.

Receive Guidance With Coral Senior Care Consultants

At Coral Senior Care Consultants, our experts help narrow down the daunting amount of assisted living vs. home care choices for your loved ones in Pasco and Hernando Counties in Florida. We are passionate about serving seniors and their families. Our company is veteran-founded, and our mission is to honor and serve our clients by bringing

  • Purpose
  • Safety
  • Respect 
  • Compassion

to their lives. More so, we use a three-step process to determine what form of care is best for your family member. 

First, we start with a meet-and-greet to guide them through a personalized assessment to narrow their care options. Once our clients narrow down their top choices, we arrange a personal visit to the community to accompany them and act as their advocate. 

Finally, we assist with every step in their transition to new homes (i.e., gathering medical forms, arranging legal services, or transportation). Call us today to speak with one of our professionals.