If you or a loved one is aging, you may be looking for alternatives. Should you consider aging at home or an assisted living facility? What about independent living in Philadelphia PA? At AmeriBest Home Care, we’re committed to educating our communities on the alternatives available to them. Let’s look at the option of independent living and what it entails.

What Is Independent Living?

Independent living is a housing arrangement aimed at seniors aged 55 and older. These are living communities that offer services and amenities that seniors generally need as they age. While specifics vary by community, they typically offer,

• Home maintenance
• Transportation services
• Security
• Meal plans

Who Is Independent Living Ideal for?

For seniors who want to live independently and don’t need assistance with daily living activities, independent living is a good alternative. It provides additional security and allows seniors to live in neighborhoods with other seniors.

What Is the Cost of Independent Living?

The cost of independent living varies across different communities. In retirement communities, residents typically have the option to either rent or buy their homes, in addition to paying a monthly fee that covers maintenance and amenities, similar to a homeowner’s association fee.

On the other hand, Continuing Care Retirement Communities (CCSRs) may charge additional fees, as they have nursing staff and provide dining credits, among other things. Prospective residents are often required to pay a large entrance fee to reserve a space and gain access to medical care, with monthly fees after moving in potentially reaching as high as $5,000. Whether CCSR is a suitable option depends on factors such as whether the individual lives alone or with someone else and the level of care they require, as well as whether they can afford the entrance fee and monthly fees. (Source)

Do Medicaid and Medicare Pay for Independent Living in Philadelphia PA?

Medicaid and Medicare don’t cover the costs for independent living communities. However, seniors who need help with Activities of Daily Living (ADLs) may qualify for financial assistance programs to help cover their care costs.

What Are the Alternatives to Independent Living?

Independent living isn’t the right choice for everyone. Fortunately, seniors have other options to independent living communities. Depending on a senior’s needs, some of these alternatives may be covered by Medicare and Medicaid.

Assisted living facilities provide a high level of care for seniors. While the highest cost option, the facilities can be the best choice for seniors who are unable to live independently and need 24-hour care.

Home care services allow seniors to age at home without needing to move to an independent community. Service providers like AmeriBest Home Care provide a variety of services that help seniors manage everything from meals and personal care to transportation.

Living with the family is another option for aging seniors. For seniors who are able to live independently without personal assistance, living with a child or other relative allows them to stay in their communities and close to family. Often family members will provide care when a senior loved one needs daily living assistance. For these caregivers, providers like AmeriBest Home Care can provide respite care to allow them to see to emergencies and other needs.

Are You Looking for Home Care or Independent Living in Philadelphia?

At AmeriBest Home Care, we want to empower you to choose the right care for you or your loved one. Whether you’re caring for elderly parents or someone with a disability, it’s important to consider your options carefully. Contact us today to discuss your options with one of our program coordinators.

It’s April, a month for gentle showers, planting flowers, and focusing on elderly and disabled people in minority communities. Yes, it’s National Minority Health Month. Let’s look at the unique challenges minorities face and how senior services in PA can help.

The Origins of National Minority Health Month

This month’s awareness focus has its origins in 1915, when Booker T. Washington sought to bring health awareness to African American communities. In 2002, the US Congress officially recognized his efforts and designated April as National Minority Health Month. The purpose of this month is to,

• Build awareness about the disproportionate burden of illness and premature death among people of color
• Encourage action through education, detection, and treatment

Why Addressing Health Disparities Matters

A 2011 study found that if preventable diseases such as hypertension and stroke were addressed in Latino and African American communities to the same degree as they were in non-Latino white communities, we would save almost $24 billion dollars in health care costs. While the amount of money alone is staggering, it points to something far more important: the number of people who suffer and die because of disparities in our healthcare system.

These are problems that persist over ten years after this study, as people of color are still more likely to be ignored or have their concerns dismissed. For example, black women are more likely to have complaints about pain being ignored compared to white women, which contributes to black women being more likely to die in childbirth compared to white women. Considering the risks that people of all ethnic and racial groups face as they age, such as osteoporosis and the increased risk of injury from falls, you can see how this disparity in treatment can result in poor outcomes for people of color.

How Senior Services in PA Help Overcome Health Care Disparities

At AmeriBest Home Care, we ensure that our caregivers provide help for seniors in Philadelphia that addresses all their concerns. As we tailor our services to the individual needs of patients and families, we listen to not only understand the care services they want but the care they receive currently and in the past from other health providers. Through attention and care, in-home care professionals can help seniors get the healthcare they need by,

• Ensuring healthcare providers understand the severity and impact of the condition in question
• Noting and relating symptoms that a patient displays regularly that they may not consider
• Acting as an advocate for care
• Supporting the prescribed care plan and delivering care at home

Are You Looking for Help for Seniors in Philadelphia, PA?

At AmeriBest Home Care, we want to empower you to choose the right care for you or your loved one. Whether you’re caring for elderly parents or someone with a disability, it’s important to consider your options carefully. Contact us today to discuss your options with one of our program coordinators.

Aging with comfort is important, but sometimes you need a little help with medical expenses. This is especially true if you have a chronic health condition. Fortunately, Medicaid in Philadelphia is available to those who need assistance with medical expenses. So, let’s look at what Medicaid (Medical Assistance) is, who is eligible, and how to apply.

What Is Medicaid?

Medical Assistance, or Medicaid, is a program that pays for health care and mental health services for eligible individuals. Medicaid is funded jointly by the federal government and states and is meant to provide those with low income or have special needs with the medical coverage they need.

Who Is Eligible for Medicaid in Philadelphia?

In Philadelphia, Medicaid or Medical Assistance eligibility is grouped two ways:

Modified Adjusted Gross Income (MAGI)

• Pregnant women
• Children 18 and under
• Parents and caregivers of children under 21
• Adults 19-64 whose income is at or below 133% of the Federal Income Poverty Guidelines
• Family planning services

Non-MAGI

• Individuals 65 and older
• Individuals who are blind and/or disabled
• Medical Assistance Workers with Disabilities
• Individuals receiving long-term care or home and community-based services

What Income is Counted Towards Eligibility?

Generally, the following income is taken into consideration when determining Medical Assistance eligibility,

• Wages
• Interest
• Dividends
• Social Security
• Veterans’ Benefits (except for MAGI MA)
• Pensions
• Spouse’s income if living with them

Different groups may have different income requirements. At AmeriBest, we can educate you on requirements based on your specific situation.

How Do You Apply for Medicaid in Philadelphia?

The Department of Human Services provides multiple ways for Philadelphia residents to apply for Medical Assistance. This allows you to choose the method that best meets your needs. If you don’t know if you’re eligible, you can still apply:

• Online using the COMPASS
• By calling 1-866-550-4355 to apply online
• In person at your local county assistance office (CAO)
• By downloading or picking up a paper application from your local CAO and mailing it to them when you complete the application.

Do You Need Medical Assistance (Medicaid)?

At AmeriBest Home Care, we want to empower you to choose the right care for you or your loved one. Whether you’re caring for elderly parents or someone with a disability, it’s important to consider your options carefully. Contact us today to discuss your options with one of our program coordinators. We can educate you on eligibility requirements and guide you through the application process.