More Ways To Pay For Memory Care In West Virginia
In addition to the state programs mentioned above, those looking for resources to finance memory care may consider:
- Long-Term Care Insurance: Depending on the policy details, long-term care insurance may be used to pay for memory care services. It’s best to sign up for a policy early, as coverage will likely be denied if one already has long-term care needs. More information about the intricacies of long-term care insurance can be found at longtermcare.acl.gov.
- Reverse Mortgages: Reverse mortgages allow some homeowners to take out a loan as an advance from the eventual sale of their primary residence. This can be a good way to fund memory care in the short-term, but the loans will need to be paid back after the sale of the home. The most commonly used type of reverse mortgages for seniors is the Home Equity Conversion Mortgage, which is the only reverse mortgage insured by the federal government.
- Veterans Benefits: The Department of Veterans Affairs offers several programs that veterans and their spouses may use to cover health care needs such as memory care. More information about these programs can be found on the VA website.
Medicaid Programs For The Elderly
Medicaid is a low-income health insurance program in the United States that is jointly administered by the federal government and each of the states. In all of the states, Medicaid will cover the cost of nursing home care for elderly and disabled individuals who require such care. In West Virginia, in-home personal care services are also provided for frail elderly and disabled residents by the state Medicaid plan. This program is intended to delay or prevent nursing home care, as well as to promote independence of the person in need of care.
The Medicaid Personal Care Program provides assistance with a variety of daily living activities, including bathing, dressing, eating, housecleaning, mobility, and medication monitoring. Eligible applicants may live at home, with a family member, in an adult family care home, or in an assisted living facility. .
West Virginia also offers a Medicaid Waiver , which unlike state Medicaid, is not an entitlement program. This means that even if applicants are eligible for the program, there may be a waiting list for services. The West Virginia Aged and Disabled Waiver provides support for the elderly and disabled to assist them in aging in place. Benefits may include personal care assistance, homemaker services, skilled nursing, and non-medical transportation assistance. Through Personal Options via this waiver, individuals may choose the personal caregiver of their choice, including some family members. .
Independent Living In West Virginia Defined
Those who lead completely independent lifestyles, without assistance in daily tasks, would perfectly be suited to an independent living community. West Virginia independent living is ideal for retirees who would like to have the option of services and amenities at their residence, but are still self-sufficient. Seniors diagnosed with dementia or Alzheimers would need much more assistance, and would be better suited to a memory care facility. You can find facilities in West Virginia that provide Alzheimers care our Memory Care category. For seniors who require assistance with daily tasks, such as dressing, taking medications or eating, living in an assisted living facility would be a better choice. You can find West Virginia assisted living facilities in our Assisted Living category.
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Recreation & Attractions In West Virginia
Despite the mountainous nature of the state, there are a variety of assisted living services for seniors throughout West Virginia. West Virginia is a great place for outdoor recreational activities and is home to numerous state parks including Harpers Ferry National Historical Park. Aside from outdoor recreation, West Virginia offers its residents historical and cultural sites to see including museums, casinos, and the arts.
Are There Other Financial Assistance Options For Senior Living In West Virginia
Depending on your unique situation, there may be other financial assistance options to partially or fully cover the cost of senior living in West Virginia. Below, we cover some of the common ways that seniors can make senior living options such as assisted living or memory care more affordable.
|How to Get Started|
|Aid and Attendance||Apply online at va.gov.||If you are a veteran and you receive a VA pension, you may also be eligible for the Aid and Attendance benefit. This benefit takes the form of a monthly cash allowance that you receive in addition to your standard pension. This benefit is used by veterans who need long-term care services, including care received at an assisted living facility.|
|Reverse Mortgages||Research and learn about the different types at ftc.gov.||If you own a home, you may be able to use a reverse mortgage to access some of the equity in your home. Like traditional loans, reverse mortgages do need to be repaid with interest, typically within 12 months, so seniors should carefully weigh this option alongside other financing methods.|
|Long-Term Care Insurance||Learn about how to receive LTC insurance benefits at acl.gov.||While those who currently need assisted living will typically not be eligible, if you purchased an LTC insurance policy in the past, you may be able to use it to help pay for assisted living. While most policies cover at least a portion of the cost, you still need to check the specific terms of your policy.|
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The Waterford At West Bend
The Waterford at West Bend is located in the heart of the city near Riverside Park and a range of shopping and dining amenities. The community has comfortable apartments with wide doorways, open floor plans and built-in safety features that support residents independence, and it offers on-site church services, a full-service beauty salon and daily newspaper deliveries for optimal convenience. Residents can participate in activities such as balance and exercise classes, walking clubs, baking classes and off-site activities, and the facilitys spacious, well-lit dining room also functions as a hub for daily events and activities.
- Dance hall with live music events
- On-site occupational and physical therapy services
Assisted Living Facility Requirements
Facilities in West Virginia are licensed by the Office of Health Facility Licensure and Certification. In order to obtain licensure:
- All facilities constructed or renovated after May 2006 must have at least 100 sq ft of open space per resident in a private occupancy room and no room may have more than two occupants.
- Rooms with two residents must have at least 90 sq ft per resident. In small facilities constructed before 2006, there must be 60 sq ft per resident in a semi-private room, and 80 sq ft per resident in a private room.
- There must be a minimum of one sink, toilet, and bath or shower per floor for every ten residents. All private rooms must have a toilet, sink, and a shower or bathtub.
- All facilities must have smoke detectors in all resident rooms and corridors. Facilities that have equipment that emits carbon monoxide, or that have fuel-burning appliances are required to install carbon monoxide detectors. Manual pull stations, a fire alarm system, and a written emergency preparedness and disaster plan, with procedures, are required.
- Facilities with four or more beds are required to have a fire alarm system, a fire suppression system, and alarms. Facilities with 4-16 beds are required by law to have a National Fire Protection Association 13D or 13R sprinkler system. Larger facilities with 17 or more beds must have an NFPA 13 type system.
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How Are Complaints Handled
If a formal complaint is necessary, contact the Office of Health Facility Licensure & Certification via phone, fax, or mail. They do not accept complaints via email. Complaints may be made anonymously by any individual. The Health Care Facility Complaints line is 558-0050.
Financial Assistance For Assisted Living In Parkersburg
West Virginia has a Medicaid waiver available to help Parkersburg seniors with the costs associated with assisted living. Known as the Medicaid Personal Care option, this waiver covers care costs, although it does not cover room and board.
Learn more about these programs, plus whos eligible, on our Assisted Living in West Virginia page.
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Can You Use Medicare To Pay For Senior Living In West Virginia
Unfortunately, Medicare does not cover the cost of assisted living, independent living, or memory care. Unlike nursing homes, these care types are not considered to be clinical settings and so are not eligible for Medicare coverage. That being said, those who live in these communities can still use Medicare to cover the cost of approved medications, doctor visits, medical equipment, etc.
When it comes to nursing home care, it gets much more complicated. Medicare does provide limited coverage for a qualified stay in a nursing home,but there are strict rules and requirements of which you should be aware. This benefit is available to seniors who have been hospitalized for at least three days, excluding the date of discharge.
Once youve met the hospitalization requirement, Medicare will pay for up to 100 days in a skilled nursing facility . While the first 20 days are covered in full, there is a daily coinsurance rate that must be paid starting on day 21. After day 100, seniors are responsible for the entire cost.
|Centers for Medicare and Medicaid Services||716-1212||The West Virginia Bureau of Medical Services works in cooperation with the CMS to ensure that all Medicare programs in the state meet federal guidelines and are available to all eligible seniors or disabled adults. The CMS can also provide eligibility and application information for Medicare in West Virginia.|
Find Assisted Living Facilities In West Virginia
Search 222 assisted living communities and homes
Assisted living facilities in West Virginia are referred to as Assisted Living Residences and Residential Care Communities for licensing purposes. The governing body that oversees licensure for assisted living residences and residential care communities in the state of West Virginia is Department of Health and Human Resources through the Office of Health Facility Licensure and Certification. Assisted living residential care is for those needing ADL assistance and minor medical care. Note that assisted living facilities are different from retirement homes in West Virginia, which provide a greater level of nursing care.
There are two types of residential care living situations in West Virginia and they are licensed separately but are both considered assisted living facilities.
One of those types of assisted living is called assisted living residence, while the second one is a residential care community. There is only one difference between both of those licensed facilities: the residence in an RCC community must be completely capable evacuating an emergency situation with instruction only and no assistance.
Both of those facilities are allowed to provide Alzheimer’s and memory care in West Virginia, but they must first obtain a separate license for that care and follow certain requirements that are different from a typical assisted living community.
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Staff And Residents At Love And Care Assisted Living Receive Vaccine
PARKERSBURG, W.Va. As West Virginia looks to distribute the COVID-19 vaccine, officials are starting with those most vulnerable to the virus.
Staff members and residents at the Love and Care Assisted Living facility were all receiving their vaccines this morning.
Tim and Larry Bond of Bonds Drug Store in Washington were administering the shots.
Those at the facility participated in webinars and read up on the vaccine.
Staff members said some of the residents were skeptical about the vaccine at first, but came around after looking at research provided to them.
Talking with the residents and their doctors, they decided all of them to get the vaccine, says Love and Care Assisted Living administrator, Deadra Cook. To prevent them in the future from having any more problems with COVID-19. Which we hope it does. And the employees as well, since we work here with the residents. We want to make sure that were vaccinated to care for them as well.
Staff at Love and Care Assisted Living say that they were under lock down for most of this year.
Seniors at the facility are excited to be able to see their families on visits more often with the second vaccination in 28 days.
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How To Apply For Medicaid In West Virginia
To see if youre eligible for benefits, your first step is to submit an application and a Medical Necessity Evaluation Request signed by your primary care physician. The Department of Health and Human Resources provides several application options.
- You can apply for Medicaid and other DHHR benefits online at www.wvpath.org.
- To apply over the phone, call the Customer Service Center at 716-1212.
- If youd rather apply in person, visit the DHHR office in your county.
- Paper applications can be submitted to your local Bureau for Children and Families office.
Information You Will Need
The states Medicaid application asks for detailed information about you and other members of your household. Make sure that you have the following records on hand.
The Board of Review is part of the Office of Inspector General. This expert panel oversees hearings related to Medicaid and other state benefits. If your application has been denied or your benefits have been terminated, you have a right to a fair, timely and impartial hearing.
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Tender Heart Home Care Charleston
Tender Heart Home Care is a small family-owned home offering compassion-driven care for seniors. Residents no longer have to worry about cooking, cleaning, or laundry, and instead are able to enjoy having meals prepared for them, activities with friends, an onsite swimming pool, and a relaxing patio. The home has been providing 24-hour care for the elderly since 1985.
Cost begins at $2,730 per month.
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Genesis Healthcare Willows Center
When looking for an assisted living facility where Jewish traditions are a part of daily life in Parkersburg, West Virginia, consider Genesis Healthcare, Willows Center. This retirement community is an excellent luxurious senior care option. This senior living home offers a total of 97 assisted living apartments and includes services such as staff available 24/7, housekeeping, three daily meals along with snacks offered throughout the day, laundry, transportation services and more. The license number is 83. Genesis Healthcare, Willows Center provides senior living not only to Parkersburg 65+ adults, but also to all Wood county residents.
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The Cost Of Assisted Living In West Virginia
Assisted living statistics from Genworth Financials 2021 Cost of Care Survey show that seniors in West Virginia pay about $4,160 per month. Statewide, prices are about $340 lower than the national average, although rates vary depending on your community and the facility that you select. Assisted living costs just $60 less per month in Pennsylvania, and seniors in Kentucky save about $712 per month based on average rates of $3,448. West Virginias prices are lower than many states in the region, including Ohio , Maryland and Virginia . Seniors in these states pay anywhere from $475 to $1,090 more per month.
Nursing Home Care
Can You Use Medicaid To Pay For Senior Living In West Virginia
The Department of Health and Human Resources licenses two kinds of assisted living facilities in West Virginia: assisted living residences and residential care communities. West Virginia also licenses Adult Family Care Homes, which provide adult foster care. Medicare offers one Medicaid waiver, the Personal Care Waiver, which provides financial support for seniors in these facilities.
Medicaid also covers the costs of seniors who require a nursing home level of care and meet financial and eligibility guidelines.
Older West Virginians who reside in independent living communities are not eligible for Medicaid funding because they dont need help with ADLs or require skilled nursing care.
|Medicaid Coverage Level|
*Note:Entitlement programs mean that everyone who qualifies will receive coverage and be accepted into the programs. If the program is not entitlement, participant caps could be in place, and there may be a waiting list.
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