Finding More Long Term Care Options in Indiana

Indiana strongly supports in-home care and community-based care that is why it came up with the Indiana Pre-Admissions Screening Program (IPAS) in 1983, which assesses an individual before he receives nursing home coverage. This is one way of alleviating people’s long term care costs in Indiana.

Survey shows that only two percent of Americans are open to the idea of entering a nursing home while 90% prefers to grow old and receive care in their homes. The State of Indiana takes long term care (LTC) settings seriously and sees to it that every person receives the type of care that is appropriate for his condition.

If an elderly or disabled person in Indiana prefers custodial care at home, which basically covers assistance in the activities of daily living (ADL) namely eating, bathing, dressing, toileting, continence, transferring or ambulating, they have the freedom to do so.

In most parts of Indiana, in-home care services cost $80,217 on average and this is inclusive of home health aide and homemaker services. LTC patients who live alone usually spend this much for care, but those individuals who live with their families and do not have to worry about their meals and the maintenance of their homes can just settle for a home health aide and pay out $41,184 annually instead of the higher amount which was cited earlier.

Meanwhile, elderly folks who are no longer capable of living independently but not exactly in need of medically necessary care can consider moving to an assisted living facility. This type of LTC setting houses a staff to provide residents with custodial care and to administer their medications that were prescribed by their physicians.

Assisted living facilities also foster social wellbeing and independence through various activities which a person cannot enjoy in the home care setting.

In Indiana, the average monthly rate of an assisted living facility is $41,369 which is inclusive of meals, housekeeping, laundry service, and even transportation to and from doctor appointments.

Why Determine Long Term Care Costs in Indiana

Even though Indiana offers an array of LTC choices and long term care quotes it is still necessary to identify the specific type of care that you will need someday so that you can start planning since this state is not exempted from inflation.

Just like residents of other U.S. states, Indianans are yet to experience the peak of LTC costs as these are projected to increase fourfold according to financial planners and LTC experts. It is mainly for this reason that you have to start your LTC plan while you are still capable.

You can conduct an online comparison of the rates of LTC facilities in your area using the table of LTC rates which many insurance companies have made available on their websites.

After having identified your choice of LTC setting, start shopping for a comprehensive long term care insurance (LTCI) policy which will provide you full or partial LTC coverage. Long term care costs in Indiana will continue to go up but with a good plan you can protect yourself and your family from its strong impact.

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