Some of the consumers who think hardest about long-term care (LTC) needs choose continuing care retirement communities (CCRCs): Providers that offer ordinary apartments, assisted living facilities and nursing home beds all on the same campus.
Other families are considering a newer, less common option: continuing care at home (CCAH) programs.
Setting up a CCAH program is a way for a CCRC to serve more people without having to add facility beds. The CCRC that runs a CCAH offers the users many different home care services, such as care coordination, help with household chores and errands, transportation and in-home nursing services.
Even many nursing home managers, home care providers, and managers of traditional CCRCs are just starting to learn about the CCAH concept. LeadingAge, a LTC provider trade group, offered two CCAH sessions at its annual meeting, in Nashville, Tenn.
Here’s a look at four key points from CCAH presentations given by Sarah Spellman, a principal at CliftonLarsonAllen, an accounting firm; by Brad Paulis and Chris Borcik of CCRC Actuaries; and by Alwyn Powell and Amy Lampo.
1. CCAH programs offer many different plan designs and pricing strategies.
The CCRC running the CCAH program may offer only home-based services, or some combination of home-based services, community-based services, and access to assisted living facility or nursing home services, Spellman said.
A plan that provides all care for life might cost about $400 or $500 per month.
Another CCRC provider might develop a CCAH plan that charges a 15 percent co-payment for home care, and a 30 percent co-payment for community-based care.