Cost of Senior Care in West Virginia

Written by Julia on October 16, 2015

Most people will need some form of assistance as they age. In West Virginia, there are 1,853,881 residents, with 311,625 of those people over the age of 65, representing 17% of the population. Most of these seniors are currently in the market for care assistance to address their changing needs.

Overview

While several options for care exist, 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.

Expenses are based on the type of care option received. Using 2015 Cost of Care data from Genworth, here is a comprehensive breakdown of the primary elder care options available in West Virginia: Home Care, Adult Day Care, Assisted Living, and Skilled Nursing.

Home Care

In West Virginia, home care is the most common 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 many personal care and homemaker tasks. Activities of daily living include bathing, dressing, transferring, and toileting. Homemaker services include shopping, meal preparation, 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 West Virginia ranges from $14-24. The median hourly cost of home care in West Virginia is less than the national average of $20. The annual cost is $36,608, for 44 hours of care per week for 52 weeks, though many people use home care only part-time.

Adult Day Care

Typically, adult day care is used to provide a break for family caregivers. It is given through a community-based center for adults who need assistance or supervision during the day, but not around-the-clock care.

The daily cost of adult day care in West Virginia ranges from $25-150. The median daily cost in West Virginia is greater than the national average of $69. The annual cost is $18,720, for 5 days per week for 52 weeks.

Assisted Living

Assisted-living is also community-based. Facilities provide personal care and health services to people who may need assistance with activities of daily living. The care provided is not as extensive as that of nursing homes.

The monthly cost of assisted living in West Virginia ranges from $1,600-8,452. The median monthly cost of assisted living in West Virginia is less than the national average of $3600. For one bedroom in an assisted living facility, the annual cost is $42,000.

Skilled Nursing

Skilled nursing, or nursing homes, provides high-level 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 West Virginia ranges from $210-365.The median daily cost of skilled nursing in West Virginia is greater than the national average of $250. The annual cost is $107,631.

Conclusion

Do not let the cost of aging sneak up on you and your loved ones. Spearhead the conversation with the entire family today to assess the care needs of your loved one and figure out how to pay for care. Planning today will ensure your loved ones comfort and wellbeing as they grow older without the added worry of uncertainty.