Private Pay Nursing Home Costs: take control of circumstances and protect your life savings.

You have worked a lifetime to provide for yourself and for your family. Without a plan for care, your life savings could be quickly wiped out if admission to a nursing home becomes necessary. Privately paid nursing home rates are higher than these estimated costs listed by the Office of Medicaid:

Massachusetts Nursing home rates estimated by the Office of Medicaid:
Currently, since July 1, 2016: $354 per day

Historical Data: October 1, 2014 - June 30, 2016: $310 per day April 1, 2013 - September, 2014: $300 per day | March 31, 2012 - March 31, 2013: $279 per day | May 1, 2009 - February 1, 2012: $274 per day or $8,220/month | May 1, 2008 - April 30, 2009: $267 per day or $8,010/month | March 1, 2007 - April, 2008: $256 per day or $7,680/month | Nov. 1, 2006 - March, 2007: $246 per day or $7,380/month | Feb.1, 2005 - Nov. 1, 2006: $232 per day or $7,192/month

Click to download PDF Nursing Home ChecklistMy step - by step planning services will coordinate all of your resources, and protect your assets. If a nursing home admission is needed immediately, I provide objective information on how these resources can work together, and how you can get benefits NOW. Review our Before, During and After an Admission: Nursing Home Comparison Checklist to learn more about the admissions process.

The cost of nursing home care can be a shock to families that are suddenly confronted with the need to place a loved one in institutional care. Compare the room rates you pay privately with the Medicaid average daily costs of nursing home care listed above. Since Medicaid reimbursement rates are often lower than privately paid rates, the nursing home may have no incentive to transition a private pay patient to Medicaid. You cannot rely on the nursing home business office to analyze your assets, and find the best solution for payment. It's not their responsibility.

If you are in the midst of a crisis, or you want to plan in advance to avoid a crisis, call 567-5600 for a long term care planning appointment. Get professional planning advice, and understand all of your options, including Medicaid eligibility.


Click to read Questions and AnswersMy Mom had to move into a nursing center. She's applied for Medicaid but unfortunately owes back rent. We are being pressured into signing a promissory note at her past place...

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