What is Assisted Living? Assisted living facilities can help seniors who don’t need the intensive care of a nursing home, but would like some companionship, and may need minor to moderate assistance in day-to-day living. Today’s assisted living facilities provide many benefits to residents, including housing options such as private apartments, daily housekeeping services, nutritious food, and opportunities for outings, trips, errands, and socializing. Some facilities provide movie nights, bingo days, music time, arts and crafts demonstrations, and even beauty parlors.

Health Care Services. Assisted living facilities also provide residents convenient health care services, with a fully equipped and trained staff of nurses, doctors, dentists, pharmacists, and other specialists—some of which are on-call around the clock. They help with medications, provide basic check-ups, and can also provide more specific care tailored to individual needs. Residents can choose who provides their health care services, and often may not need to leave the facility to receive these services—ideal for those having trouble making it to doctor visits or the pharmacy!

These features make assisted living a good option for seniors and families who need help taking care of elderly loved ones: residents get essential services available in one convenient location, and families get peace of mind.

Costs. Costs for assisted living facilities (also known as ALFs) vary considerably. Factors include location (some states have higher living costs than others), the services provided to the resident, and if the resident has insurance that covers day-to-day living expenses. Furthermore, ALFs often charge residents a deposit to move in, and then either a “flat fee” monthly rate that includes full use of everything the facility provides, or a “by the item” (or “a la carte”) rate that lets residents pay only for the services they actually use.

Insurance. As mentioned, insurance will affect cost. Long-term care insurance plans are suggested to seniors and their families considering ALFs because Medicare will not cover most ALF costs. With a plan to help cover most expenses, costs are more manageable. But check policies carefully before you buy, because what plans cover can vary considerably. As a result of these variables, there’s no fixed price for assisted living. Costs will depend on what services you need and want, and what insurance you may already have or can obtain.

Visit Local ALFs. Visit several AFLs to compare prices, fees, features, services, and what types of insurance are accepted. Your local senior center or senior referral organization can give you more information to help you make the best decision for you and your family.