Cost of Senior Care in Pennsylvania

Written by Julia on October 6, 2015

Most people will need some form of assistance as they age. In Pennsylvania, there are 12,758,729 residents, with 2,041,558 of those residents over the age of 65, representing 16% of the population. The majority of these seniors are currently in the market for care assistance to address their changing needs.

While there are many options for care, care can be expensive. People primarily pay for care with their own private or family funds. Long term care insurance or long term care protection combined with life insurance and annuities are another way to help pay for care. Medicare and Medicaid may contribute towards some long term care expenses, but are limited in coverage and by asset requirements.

Your expenses will be based on the type of care you receive. Using 2015 Cost of Care data from Genworth, we will explore the primary elder care options available in Pennsylvania: Home Care, Adult Day Care, Assisted Living, and Skilled Nursing.

Home Care

In Pennsylvania, home care is the most popular option. Home care agencies are not Medicare-certified because they do not offer medical services. Rather, home care typically involves an aid who can help at home with a variety of personal care and homemaker tasks. Activities of daily living include bathing, dressing, transferring, and toileting. Homemaker services include meal preparation, shopping, errands, and transportation in addition to general companionship.

Home care is available for a few hours a day, or 24/7. The hourly cost of home care in Pennsylvania ranges from $13-28. The median hourly cost of home care in Pennsylvania is greater than the national average of $20. The annual cost is $47,911, for 44 hours of care per week for 52 weeks, though many people use home care only part-time.

Adult Day Care

Adult day care is typically used to provide a break for family caregivers. Adults who need assistance or supervision during the day, but not around-the-clock, can receive care through a community-based center.

The daily cost of adult day care in Pennsylvania ranges from $30-200. The median daily cost in Pennsylvania is less than the national average of $69. The annual cost is $15,600, for 5 days per week for 52 weeks.

Assisted Living

Assisted-living is also community based, providing care and health services to those who may need assistance with activities of daily living, but not as extensively as assistance from nursing homes.

The monthly cost of assisted living in Pennsylvania ranges from $900-9,570. The median monthly cost of assisted living in Pennsylvania is less than the national average of $3600. For one bedroom in an assisted living facility, the annual cost is $42,660.

Skilled Nursing

Skilled nursing, also known as nursing homes, provides a high level of care for people who need close 24-hour supervision. They offer residents personal care assistance, room and board, medication, rehabilitation, and on-site nursing care.

For private rooms, the daily cost of skilled nursing in Pennsylvania ranges from $155-1,015.The median daily cost of skilled nursing in Pennsylvania is greater than the national average of $250. The annual cost is $113,150.

Conclusion

Do not let the cost of aging sneak up on you and your loved ones. Having a conversation with the entire family about care needs and figuring out how to pay for care have never been more important. Planning today will ensure your loved ones comfort and wellbeing as they grow older without the added worry of uncertainty.