Personal care is not difficult. Some aides seem to care more than others. To ensure the best possible care for your loved ones, it is important to visit as many places as possible.
According to Genworth Financials' 2021 Cost of Care Survey, the average cost of Assisted Living in Philadelphia is $4,875 per month, which is around 26% higher than the Pennsylvania average of $3,868. And as compared to the national monthly average of $4,000, Philadelphia Assisted Living cost is 22% higher.
Assisted Living rates in Philadelphia and the surrounding suburbs depend on multiple factors, including location, level of care, apartment size, and amenities offered in each community.
The nearest city to Philadelphia in terms of distance is Sharpsville, where Assisted Living costs around $3,575 per month, The cost is $1,300 higher than the monthly median Assisted Living in Philadelphia. Seniors in Luzerne pay an average of $2,546 per month, which is $2,329 higher than per month what their peers pay in Philadelphia.
Apart from assisted living, seniors have multiple care options in Philadelphia. The senior living you need depends on your required care level and medical conditions. For instance, if you require 24/7 medical supervision, a nursing home in Philadelphia could be the better choice than Philadelphia assisted living care.
Assisted living communities in Philadelphia are designed for seniors who need assistance with ADLs and IADLs. And independent living is for active older adults who can live independently. Thus, assisted living costs are higher than independent living in Philadelphia and lower than more intense medical care options through Philadelphia nursing home and memory care facilities in Philadelphia.
Senior living options with different levels of care available in Philadelphia are:
Independent Living: Independent living is for active older adults who want to downsize to a home in a retirement community but don't need help to live completely alone.
Nursing Home: Seniors who require specialized care and 24/7 supervision should look for nursing homes.
Memory Care: These communities are for seniors struggling with Alzheimer's or other advanced forms of dementia.
Home Care: Caregivers provide services to older adults in their home to provide primary healthcare, meal delivery services, meal preparation, and transportation to and from appointments.
Continuing Care Retirement Communities (CCRC): A CCRC accommodates Assisted living, Independent living, and Nursing Home care. This means that you can live out the rest of your life in the same setting with on-site medical care.
The median home cost in Philadelphia comes at $221,400. This brings Philadelphia housing index to 66.3, which is lower than the Pennsylvania housing index of 75.1. The overall cost of living index in Philadelphia is 101.2 that is lower than the national average of 100 and higher than the state average of 92.5.
The population of Philadelphia is 1,578,487. The median age in the city is 34.1, and about 13% of its population is age 65 or older.
Philadelphia is quite diverse, with white, black, and Hispanic/Latino being the three most common ethnicities in the city, about 35% of residents identify as white alone.
The violent crime rate of 50.8 in Philadelphia is higher than the national average of 22.7. And the property crime rate of 46.6 seems higher than the national rate of 35.4.
Seasonal Temperatures: Philadelphia has a typical summer high of 87°F and a winter low of 26°F. And the yearly rainfall here is about 47 inches, while the snowfall is around 13 inch(es) on average.
Air Quality: The Average air quality index rating is usually 39, which is lower than the national average of 58.The index rating at or below 100 is considered satisfactory.
The health index of 98.4 indicates resourceful quality of healthcare services available for seniors, This index is higher than the state average of 97. The Philadelphia hospitals cater their services to meet treatment requirements of seniors and people of all ages. Therefore, you can rest assured of getting the best possible care in Philadelphia for any common or chronic health condition.
Different financial assistance options are available for seniors to pay the cost of Assisted living in Philadelphia. In addition to government programs, the Philadelphia area agencies and non-profit organizations provide helping hands towards better senior living in Philadelphia, PA.
Private Pay: Private pay is the safest way to pay for Assisted Living in Philadelphia. This is because you pay out-of-pocket for the low-income assisted living near you. Still, it might not be the easiest option for most seniors. In that case, you can use a combination of the following options.
Reverse mortgage: A reverse mortgage is a loan. An elderly homeowner with significant home equity can borrow against the value of their property and receive funds. The money can come in the form of a fixed monthly amount, a lump sum amount, or a credit line.
Medicaid and Medicare benefits: Every state has its own Medicaid program to help low-income residents with healthcare-related costs. In addition to medical care expenses, Medicaid covers certain long-term care costs for eligible seniors. However, you will need to meet the state-specific requirements to be approved for the Medicaid benefits in Philadelphia. To pay for assisted living in Pennsylvania, the state mainly uses HCBS Waivers (Home and Community Based Services). But this waiver does not finance the room and board costs in assisted living.
On the other hand, Medicare doesn't pay the cost of ADLs assistance for assisted living residents. Nevertheless, seniors can use Medicare benefits to pay for approved medical care needs in assisted living communities in Philadelphia.
Veteran benefits: The VA’s (Veteran Administration) Aid & Assistance program in Philadelphia, Pennsylvania pays monthly pensions to eligible veterans and their spouses to help with assisted living payments. Veterans can also use their other benefits to pay for assisted living costs in Philadelphia.
For more information about different ways to finance assisted living, visit our Assisted Living Pennsylvania page.
Philadelphia Assisted Living communities need to follow a comprehensive set of rules and regulations designed by Pennsylvania. These regulations ensure that the facilities maintain top-level and secure care services for seniors. For instance, the Assisted Living care facilities in Philadelphia go through extensive training and education for the caregivers. This enables caregivers to be skilled and professional while helping seniors with their daily needs. Visit our Pennsylvania Assisted Living page to find more information on the state-specific rules and regulations.
Several government and non-profit agencies work together in Philadelphia to provide seniors with more services. These services help seniors lead a better life in Philadelphia. Depending on the Philadelphia resources, they can include free meal delivery services, utility billing programs, medical programs, and others. Find out the available free resources for seniors from the Assisted Living Pennsylvania Page.
BoomersHub can change without notice any of its compiled cost data provided by senior living communities. This data is used for informational purposes only and may have inaccuracies. In addition, actual independent living costs may vary depending on personal choices and situations.
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