Page 7 - Senior Housing Directory 2020 South Central Michigan
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 for you
 even try a stay-cation, or a weekend visit. That way you’ll be able to gauge how staff interacts at all times of the day and night. If family does provide a higher level of your care you might even give a gift to family members and try a longer stay so they can get away on a vacation of their own. The more time you spend a facility the more you will be able to determine if it’s a good fit for you.
When issues arise and long-term care is eminent you will want to reach back out to area facilities as soon as possible. For some of you this might be your first time. If so, it’s time to start as soon as you are able as many facilities have a waiting list. Adding your name to the list does not commit you to that facility but it does start creating options. Further, if they reach out with an opening you can politely decline if you are not ready or have made different arrangements.
Sometimes the need for long-term care arises suddenly or unexpectedly, and decisions must be made quickly. Even under these circumstances, you can
be an active participant in planning for long-term care. The better you prepare, the more an urgent situation can become a thoughtful decision instead.
This section breaks down housing options based on in-home services; right-sizing your home; services available outside the home; adult care facilities; and special circumstances such as hospice, rehab, and respite. You will find listings of these options to help you get started beginning on page 18.
In-Home Services
Help is available for you to stay in your own home. Help can come from family members, friends, churches, volunteers, and public and private agencies. You may need different kinds of help each day, week, or month.
Paying for in-home services can become complicated and expensive. No private insurance or government agen- cy pays for around-the-clock, in-home care. Most government programs and
insurance policies pay for short, daily, or weekly visits or services. Even hospice care is intermittent.
The good news is that some services are available at little or no cost for those who qualify through an Area Agency on Aging, PACE, the Veterans Administra- tion, Medicare, Medicaid, the Michigan Department of Health and Human Ser- vices, and other sources. Medicaid pays for some health care costs for low-in- come individuals of any age. Medicare pays health care expenses for individuals at least 65 years old, and for individuals who have permanent disabilities, regard- less of income or assets.
Home health care agencies can help with nursing care and/or an atten- dant in your home. They may also provide other services, like physical therapy, occupational therapy, help bathing, and more. Medicare only covers short-term home health care if you meet certain lim- ited conditions. For more information on Medicare’s coverage of home health care, visit

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