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 How to choose a nursing home?

Choosing a nursing home for a loved one in the United States can be a daunting and emotionally taxing process. Here are some key considerations that families often face:

  • Emotional Challenge: The decision of placing a loved one in a new environment can weigh heavily on families, adding to the stress involved.

  • Financial Considerations: Nursing home costs can be exorbitant, with average monthly fees exceeding $9,000 in many areas, necessitating careful budgeting and financial planning.

  • Variety of Options: Families must navigate a complex landscape of nursing home options, each offering varying levels of services, staff qualifications, and facility amenities.

  • Quality of Care Concerns: There are significant worries about the quality of care provided, which can impact the well-being of the resident.

  • Thorough Research: It is essential for families to conduct thorough research, seek recommendations, and visit multiple facilities to ensure their choice aligns with their loved one's needs, preferences, and values.

Navigating these factors makes the process both challenging and deeply personal, as families strive to find the best possible care for their loved ones.

What can you do?

Check Accreditation

Look for nursing homes accredited by independent organizations that set care standards and inspect facilities. Accreditation demonstrates that a facility meets the criteria for quality and safety. Several organizations accredit nursing homes, including:

Medicare.gov is also a resource to check whether nursing homes are Medicare-certified.

Review Track Record

Nursing homes must provide a reasonable standard of care. Unfortunately, not all facilities live up to their obligations. It’s estimated that one out of 10 people over 60 are victims of elder abuse. While cases of elder abuse can happen anywhere, it’s important to check out a facility’s history when it comes to claims of abuse and neglect, such as the following:

Medicare provides the Nursing Home Care Compare website to help families and caregivers compare nursing homes. The site uses a quality rating system that gives each nursing home a rating of between one and five stars, assessing each facility’s health inspections, staffing, and quality measures.

You can contact your state’s public health department to see if a nursing home has a history of complaints or citations. For example, California combines data from state licensing management databases and the Center for Health Care Quality in a searchable database.

3 - Ask for Recommendations

Another good idea is to ask for recommendations. A good place to start is with your loved one’s doctor. They understand the medical needs and may be familiar with local options. Physicians can also help you with what questions you need to ask when considering a nursing home.

If your loved one has been hospitalized recently, the hospital’s discharge planner may also be a good source for recommendations.

Don’t overlook friends or family that can provide personal experience. First-hand reports of conditions, care, and communication can be extremely valuable.

4 - Visit and Tour Nursing Homes

Visiting nursing homes to see conditions first-hand is crucial. Get a general sense of conditions and an opportunity to ask direct questions.

Federal law requires nursing homes to provide enough staffing to safely care for residents, but there is no federal standard for staffing levels. Medicare suggests inquiring about turnover for nursing staff, managers, and administrators. Frequent turnover may indicate problems.

Also, ask about the ratio of staff to residents for each shift and the ratio of staffing hours per resident day. While there is no set ratio, the Coalition of Geriatric Nursing Organizations recommends these minimum staffing levels:

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Check for Cleanliness

A dirty facility is a warning sign. Check for cleanliness in common areas and resident rooms. Bathrooms, kitchens, counters, and other furnishing should be in good condition with no obvious stains. Do a spot check to see if bathrooms have adequate supplies, towels, toilet paper, and soap.

Use Your Senses

Do more than just look around. Using your other senses, you can pick up on how nursing home facilities operate. For example, listen for bells that ring consistently. This might indicate understaffing, preventing staff from attending to resident needs promptly. 

Use your nose, too. Odd smells or strong odors may indicate poor hygiene or failure to follow regular cleaning regimens.

Talk to Staff and Residents

Pay attention to how staff interacts with patients. Are they friendly and treat residents with respect? Talk to current residents to see how they feel about the quality of care, activities, and food. Do they seem happy, or are they withdrawn and sullen?

It’s important to engage with staff and residents, not just the tour guide, who will tell you all the positives about the facility.

Look for Safety Systems

During the tour, take note of safety systems. This should include the following:

  • Clearly marked exits

  • Handrails in hallways

  • Grab bars in bathrooms

  • Security protocols for visitors

  • Secure and monitored entrances and exits

Understand Visitation Policies

Ask about visiting hours and whether there are any restrictions for families. The more flexible the hours are, the more connected you can stay with your loved ones.

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Review Activity Calendars

Different residents will have varying medical conditions. Look for a variety of activities that match the interests and abilities of your loved ones. Social engagement is an important part of the quality of life.

5 - Review Options, Costs, and Contracts

An important part of how to find a nursing home is understanding the costs and options. Explore the financial details associated with nursing care—such as whether insurance coverage, Medicare/Medicaid assistance, or other financial aid is available. Depending on the ability to pay, there may also be a sliding scale of fees.

Many facilities offer different rates for different levels of care, so you will want to ensure you get the right type of care and can afford it. Other details to consider include the following:

  • What additional cost might be charged, such as transportation or pharmacy fees

  • Frequency of rate increases

  • Upfront deposits and payment terms

  • Options, such as private or shared rooms

If necessary, speak with financial or legal experts to help work through the financial impact.

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MAJOR MEDICAL

Major medical health insurance is a type of health insurance that covers the expenses associated with serious illness or hospitalization.

MEDICARE

We provide all the information you need on Original Medicare and Medicare Advantage Plans so you can make an informed decision. 

LIFE

The basic building block of financial planning is protection. By getting enough life insurance you are protecting your loved ones so that the money is there to continue their lives without disruption.

ANNUITIES

An annuity is an insurance product that pays out income, and can be used as part of a retirement strategy. Annuities are a popular choice for investors who want to receive a steady income stream in retirement.

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FINAL EXPENSE

Final expense insurance is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses. 

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