If you are an older adult or the caregiver for an older adult in Northern Michigan, you may be exploring options for independent or assisted living. With the average cost of assisted living in Michigan coming in at almost $3,000 a month and some communities as high as $6,150, families often feel paying for care may be impossible.
The Brook Retirement Communities in northern Michigan offer seniors and their families a quality, affordable independent and assisted living solution. A studio assisted living apartment at The Brook is just $2,698 per month. That includes meals, housekeeping, laundry and personal assistance with everything from bathing and grooming to help with medications.
We encourage you to download our complimentary Comparing the Costs of Assisted Living chart. It will help to ensure you are evaluating your options for care on a comparable level.
How to Finance Assisted Living in Michigan
In addition to a prospective resident’s private funds, there are several additional ways to finance a move to assisted living. They include:
- Long-term care insurance. Older adults and families often think long-term care insurance only pays for stay in a nursing home. In fact, most policies also cover assisted living. If you have long-term care insurance, check your policy or call your insurance agent to see what is covered.
- Veteran’s Aid & Attendance Benefit. This benefit is a part of a veteran’s pension. You can read more about it on our Veteran’s Benefits page or call The Brook community in northern Michigan that is closest to you for help. We have additional partnerships in place that may help you finance care at The Brook.
- MI Choice Waiver Program. Click here to access the MI Choice Waiver Documents
Nursing homes used to be the only choice for older or disabled persons who needed help caring for themselves. Today there may be the choice to stay in your home or a community setting, but you or a family member may need assistance in doing so.
One program run by Michigan Medicaid is the MI Choice Waiver Program. It began in 1992 as the Home and Community Based Services for the Elderly and Disabled (HCBS/ED) waiver program. We now know it as the MI Choice Waiver Program, or simply, “the waiver.”
Through this program, eligible adults who meet income and asset criteria can receive Medicaid-covered services like those provided by nursing homes, but can stay in their own home or another residential setting. The waiver became available in all Michigan counties October 1, 1998. Each participant can receive the basic services Michigan Medicaid covers, and one or more of the following services unique to the waiver:
- Community transition services
- Community living supports
- Nursing services (preventative nursing)
- Respite services
- Adult day health (adult day care)
- Environmental modifications
- Non-medical transportation
- Medical supplies and equipment not covered under the Medicaid State Plan
- Chore services
- Personal emergency response systems
- Private duty nursing
- Home delivered meals
- Training in a variety of independent living skills
- Supports coordination
- Fiscal intermediary
- Goods and services
If you need help evaluating your options for senior care in Michigan or with any of the financing strategies outlined above, please call The Brook community closest to you. You may also email us with any questions you might have.