A Guide To Choosing The Right Nursing Home

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

What is a Nursing Home?

A nursing home provides long-term care for individuals who need assistance with daily activities and medical care. These facilities are designed to offer a safe and supportive environment for elderly individuals who can no longer live independently.

How To Qualify for a Nursing Home

Individuals typically qualify for nursing home care when they have chronic health conditions, need intensive rehabilitation, or require more care than can be provided at home or in assisted living facilities.

Nursing Homes Near Me

Services Provided by Nursing Homes

Medical Care

Nursing homes offer skilled nursing care, including medication management, wound care, and medical monitoring.

Personal Care

Residents receive help with daily activities such as bathing, dressing, and eating.

Rehabilitation Services

Physical, occupational, and speech therapy services are available to help residents regain or maintain their functional abilities.

Social Activities

Nursing homes organize social events and activities to keep residents engaged and improve their quality of life.

Nursing Home Costs

Costs vary depending on the location and level of care required, ranging from $5,000 to $8,000 per month on average.

This Nursing Home Cost Calculator is a tool designed to estimate the expenses associated with living in a nursing home. It includes various costs like accommodation, medical care, and additional services.

What Is A Nursing Home

How To Pay for a Nursing Home

Private Pay

Many families use personal savings or family contributions to pay for nursing home care.


Long-term care insurance can help cover the costs of nursing home care.

Government Programs

Medicaid offers assistance for eligible individuals, while Medicare provides limited coverage for short-term stays.

What Can A Nursing Home Take For Payment

Types of Nursing Homes

Skilled Nursing Facilities (SNFs)

These facilities offer round-the-clock medical care and supervision.

Memory Care Units

Specialized units provide care for residents with dementia or Alzheimer’s disease.

Short-Term Rehabilitation Centers

These centers offer temporary care for individuals recovering from illness or surgery.

How We Can Help

At The Annuity Expert, we understand the complexities and emotional challenges of finding the right nursing home for your loved one. As an insurance agency, annuity broker, and retirement planner with 15 years of experience, we are dedicated to finding the best solutions at the lowest costs.

Understanding Your Needs

We know that choosing a nursing home is not just about finding a place but ensuring it meets all your loved one’s needs. The core problem we solve is alleviating the stress and uncertainty in this decision-making process.

The decision often comes with feelings of guilt, worry, and anxiety about the quality of care your loved one will receive. We empathize with these emotions and strive to provide peace of mind through expert guidance.

Our extensive experience allows us to offer informed recommendations and solutions tailored to your specific needs. We believe in transparency and commitment to finding the best care options at affordable prices.

Nursing Home

What We Recommend

Step 1: Initial Consultation

  • What Happens: We start with a free consultation to understand your unique situation and requirements.
  • Main Benefit: Gain clarity on available options and the best path forward.

Step 2: Customized Care Plan

  • What Happens: We develop a personalized plan that matches your needs with the best nursing home options.
  • Main Benefit: Receive a tailored solution that ensures the best care and financial arrangements.

Step 3: Ongoing Support

  • What Happens: We provide continuous support and advice as your situation evolves.
  • Main Benefit: Enjoy peace of mind knowing you have expert guidance at every step.

Features and Benefits

  • Comprehensive Assessments: Detailed evaluations to match needs with the right care facilities.
  • Financial Planning: Strategies to manage costs and maximize insurance benefits.
  • Expert Recommendations: Trusted advice based on extensive industry knowledge.

Addressing Common Objections

  • Objection: “I can’t afford nursing home care.”
  • Argument: We help explore all financial options, including insurance and government programs, to find affordable solutions.
  • Objection: “I don’t know which nursing home to choose.”
  • Argument: Our expert knowledge and personalized recommendations ensure you make an informed decision.

Without our guidance, you risk making costly mistakes, experiencing ongoing stress, and possibly compromising the quality of care for your loved one.

By working with us, you will experience relief from stress, confidence in your decisions, and satisfaction knowing your loved one is in good hands.

Contact us today for free advice or a free quote.

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Frequently Asked Questions

What is the primary purpose of a nursing home?

Skilled nursing facilities provide nursing home residents with a wide range of human services. In addition to nursing care and physical therapy, many nursing facilities offer memory care and other specialized medical services. The primary purpose of these facilities is to provide quality care for their residents, including ensuring that they receive the necessary medical care and social support. 

How much do nursing homes cost a month?

The national median nursing home costs in 2023 are $7,908 for a semi-private room and $9,034 for a private room. However, costs can vary widely depending on the location, type of facility, and level of care required.

What is the monthly cost of a nursing home in Florida?

In 2023, the median cost in Florida was $8,654 for a semi-private room and $9,627 for a private room. These rates represent a significant increase from previous years and are likely to continue to rise as the state’s population ages.

What is the cost of nursing care in Georgia?

In 2023, the median costs of a semi-private room were $7,011 a month, while a private room will set you back $7,604. Of course, these rates can vary depending on the specific facility and the level of care required, but overall, care in Georgia is very reasonably priced.

What is the cost of a nursing home in Illinois?

Illinois’s monthly median costs vary depending on your room type. For example, in 2023, the average cost of a semi-private room was $6,266 per month, while the average cost of a private room was $7,156. However, these prices can vary depending on the location and amenities of the nursing facility.

What is the cost of nursing home care in North Carolina?

According to Genworth’s 2023 Cost of Care Survey, the median monthly costs in North Carolina are $7,483 for semi-private rooms and $8,213 for private rooms.

What is the average cost of nursing home care in Ohio?

The monthly median cost of care in Ohio is $7,300 for a semi-private room and $8,213 for a private room.

How do you get someone admitted to a nursing home?

To get someone admitted to a nursing home, first consult their doctor to determine if it is the appropriate level of care. Next, gather all necessary paperwork, including medical records and insurance information. Contact various nursing homes to compare services, amenities, and costs. Finally, submit an application and complete any required assessments or evaluations.

What can a nursing home take for payment?

Nursing homes accept private payments, insurance, Medicare (limited), and Medicaid for eligible individuals.

What qualifies a person for a nursing home?

Need for constant medical care, intensive rehabilitation, or assistance with daily activities.

What is the fastest way to get into a nursing home?

Through urgent admission post-hospitalization or with a doctor’s recommendation.

What is the average stay in a nursing home?

Typically around 2.3 years or 835 days.

What do nursing homes provide?

They provide medical care, personal assistance, rehabilitative services, and social activities.

Who pays for nursing home care?

Medicare does not generally cover long-term nursing home care. Medicaid, on the other hand, does provide coverage for nursing home costs, but eligibility criteria vary by state. Private long-term care insurance may also help pay for nursing home care, but policies and coverage options differ. It’s important to research and plan ahead to determine who pays for nursing home care.

What is the difference between a care home and a nursing home?

A retirement home is a residential community for seniors who are able to live independently, while a nursing home provides 24-hour medical care for seniors with more complex health needs. The key difference lies in the level of assistance and medical support offered, with retirement homes focusing on independent living and nursing homes providing skilled nursing care.

Is a convalescent home a nursing home?

Yes, a convalescent home is a type of nursing home. It provides short-term and long-term care for individuals recovering from illness or surgery, offering medical and rehabilitative services similar to those in traditional nursing homes.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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