Tennessee long term care facilities are strictly monitored by the state's ombudsman to ensure that residents of nursing homes and assisted living facilities get only the best of care.
Elderly abuse in nursing homes is not a new story and, in fact, it remains to be a hot issue as it persists especially in places where long term care (LTC) facilities are inaccessible and not strictly regulated. In Tennessee, families of elderly and disabled individuals in LTC facilities are assured by the ombudsman that their loved ones are well taken care of.
The state's median annual rate for a private nursing home room is $65,882 while a semi-private room will cost on average $62,050. In some regions of Tennessee the rates of nursing homes are much higher; take for instance those in Chattanooga as the average annual rate of a private nursing home room here is $76,628 while a semi-private room is $67,525.
While the rates of nursing homes in Chattanooga are soaring really fast, the median annual rate of an assisted living facility here is relatively lower than the state's average cost. Based on the 2011 Cost of Care Survey of Genworth Financial, a one-bedroom assisted living facility in Chattanooga will cost $30,000 as opposed to the national rate which is $36,960.
To be able to receive topnotch care in Tennessee one has to be armed with an effective long term care (LTC) plan as TennCare just doesn't earn the point. This is Tennessee's Medicaid program which recently underwent funding reduction along with other U.S. states.
According to LTC specialists the gauge of a good plan is its capability to provide complete LTC coverage and asset protection at the same time. If you would only look into long term care insurance (LTCI) you will find a specific type of LTCI policy which allows an insured individual to receive supplemental coverage from Medicaid without spending down a portion of his assets that is equivalent to the benefits of his policy.
Investigating Tennessee Long Term Care Costs
Tennessee is among the states with expensive LTC services. For one to be able to afford the cost of care in this state someday he has to have a specific LTC plan because the cost of care in Tennessee has already exceeded the national rates.
In-home care cannot be considered as a cheaper alternative in Tennessee because it is expensive just the same at $20 per hour for a home health aide. In-home care basically comprises of custodial care or assistance with the activities of daily living namely eating, bathing, dressing, toileting, continence, and walking or transferring from one point of the house to another.
In other areas such as Clarksville City the annual rate of a home health aide is higher at $43,472 or $22 per hour.
The LTC figures that you will face up with in the future shall be determined by the cost of care in your specific area of residence.
Though Tennessee long term care costs are reportedly increasing at a very fast rate, you can still get lucky if the place you live in offers LTC services at prices that are a fraction lower.
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