Page 7 - Senior Housing Directory 2021 South Central Michigan
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 The better you prepare, the more
an urgent situation can become a thoughtful decision instead.
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 facilities may 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.
Truthfully, the need for long-term care is something that most adults hope to avoid but the likelihood for care increas- es as longevity increases. The options are great, with a vast array of services available; choosing the right one for you or a loved one is made easier with a little investment of your time.
Before you make any decisions about what kind of long-term care you will use, fully investi- gate all your options.
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.
Services in the Home
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 Administration, Medicare, Medicaid, the Michigan Depart- ment of Health and Human Services, and other sources. Medicaid pays for some health care costs for low-income individuals of any age. Medicare pays health care ex- penses for individuals at least 65 years old, and for individuals who have permanent disabilities, regardless 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, bathing assistance, and more. Medicare only covers short- term home health care if you meet certain limited conditions. For more information on Medicare’s coverage of home health care, visit
Naturally, most seniors would like to

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