Home Care and Assisted Living Options for Seniors With Diabetes
1. Home Health Agencies
These organizations offer visiting nurses who come to your parent’s house. Some are certified by Medicare (see medicare.gov/homehealthcompare for more information). Diabetes management by these organizations is not included in Medicare coverage, though, so your parent will pay out of pocket.
2. Continuing Care Retirement Communities
Think of these as neighborhoods just for older adults. Here, your parent can find independent living without any caregiving, assisted living with someone on staff to help with day-to-day diabetes reminders, and skilled nursing—care beyond daily diabetes management. Your parent will pay an upfront cost as well as home payments and a monthly or annual homeowner’s association fee. Medicare covers only skilled nursing; everything else at a continuing care community is paid out of pocket.
3. Medicare-Certified Skilled Nursing Facilities
These are nursing homes and are permanent placements for people who are unable to live alone safely, even with additional support. They offer a higher level of care and are most restrictive in terms of independent living. Medicare doesn’t cover most long-term care stays in a nursing home. It does cover hospital care, doctor services, and medical supplies while your parent is in the nursing home.