Montana Independent Living | Reviews, Photos, Costs & Phone
Montana Independent Living is an esteemed assisted living community dedicated to providing essential assistance and information to individuals with disabilities, their families, and the broader community. Within their ranks, a dedicated team of Independent Living Specialists brings their expertise to empower senior residents with disabilities through instruction and training, fostering their ability to lead independent lives.
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Frequently Asked Questions
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How much does it cost to live in assisted living?
The average cost of assisted living in the US is about $3,628 per month or $119 per day, according to the Administration on Community Living (ACL). However, the actual cost may vary depending on the assisted living facility's location, size, and services.
Different families have different ways of paying for assisted living. Some families use their savings, investments, or assets. Some families use insurance policies, such as private insurance, life insurance, or annuities. These contracts pay you a regular income for a certain period of time or for life.
Some families use Medicaid, a government program that helps low-income people pay for health care. Depending on the state and the eligibility criteria, Medicaid can cover some or all of the costs of assisted living.
Will Medicare/Medicaid pay for my assisted living?
This greatly depends on where you live. If you live in the US, you may be able to use Medicaid to pay for some or all of the costs of assisted living. Medicaid is a government program that helps low-income people pay for health care. However, not everyone is eligible for Medicaid, and the rules vary by state. You need to meet certain income and asset limits and other criteria to qualify for Medicaid.
Medicare, on the other hand, does not pay for assisted living at all. Medicare is another government program that provides health insurance for people who are 65 or older, disabled, or have certain diseases. Medicare covers doctor visits, hospital stays, and medical equipment, not long-term care services like assisted living.
If you live outside the US, Medicare and Medicaid do not apply. You need to find other ways of paying for assisted living, such as your savings, insurance policies, or government programs in your country.
What is the difference between assisted living and nursing home?
Assisted Living homes are different from nursing homes. The setup in an assisted living community is more flexible, and residents can still practice their independence in cozy and resort-style surroundings. Nursing homes focus more on the resident's health with constant supervision and 24-hour nurse or caregiver support in a clinical setting.
The former’s levels of care are looser and involve supportive living with simple daily activities in the smaller scope, such as bathing, grooming, mobility assistance, and the like. The latter’s range leans towards medical supervision services, such as therapies, wound care, pain management, and other support for different medical conditions.