Searstone Retirement Community

Article: How to get Medicare and Medicaid to Pay for Assisted Living

4.9 miles from city center

Description

Searstone Retirement Community, located in Cary, NC, is a senior living community offering a range of services from assisted living, memory support and skilled nursing services. Their professional caring staff works closely with the residents as well as their families, in creating individualized care plans, in order to determine and meet the residents’ specific care needs.
Their First class skilled nursing services provides residents with 24/7 staff availability for supervision and assistance, round the clock personalized care, medication administration and management, and access to medical care on site as well as other professional services. Additionally their amenities like concierge and transportation services, meal provision and housekeeping and linen service, as well as 24/hr security and emergency call response, enhances the residents experiences during their stay at Searstone.

Map

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Type of Care Available

Assisted Living Nursing Homes Memory Care

Claim What’s Yours: Financial Aid for North Carolina Seniors

Program

State Program Name

Eligibility

Benefits

Community Alternatives Program for Disabled Adults

NC Medicaid CAP/DA

General: Age 65+ or disabled, North Carolina resident, Medicaid- eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $2,000 (individual), $3,000 (couple).
NC Specifics: High demand; waitlists common in urban areas.

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care ($60/day), home modifications ($1,500 avg.).

North Carolina Senior Care Options

NC SCO (via NFCSP)

General: Caregiver of someone 60+ (or with dementia), North Carolina resident.
Income Limits: No strict limit; prioritizes low-income.
Asset Limits: Not applicable.
NC Specifics: Limited slots; rural/urban balance.

Services: In-home respite (4-6 hours/day), adult day care (~$60/day), short-term facility care (up to 5 days).

Program of All-Inclusive Care for the Elderly (PACE)

North Carolina PACE (e.g., PACE of the Triad)

General: Age 55+, NC resident (specific counties), NFLOC, safe with PACE support.
Income Limits (2025): ~$2,829/month (Medicaid-eligible); private pay option available.
Asset Limits: $2,000 (individual), $3,000 (couple) for Medicaid enrollees.
NC Specifics: Available in 10+ counties (e.g., Guilford, Wake); multiple providers (e.g., PACE of the Southern Piedmont).

Services: Personal care (5-7 hours/day), medical care, meals, transportation, respite, therapies.

In-Home Aide Services

North Carolina In-Home Aide Services

General: Age 60+, NC resident, unable to perform 1+ ADL, at risk of nursing home placement.
Income Limits (2025): No strict cap; prioritizes low-income (~$24,980/year).
Asset Limits: Not assessed; need-based.
NC Specifics: Family can be aides; varies by county funding.

Services: Personal care (5-20 hours/week), meal prep, respite (~5 days/year), errands.

Medicare Savings Program (MSP)

North Carolina Medicare Savings Program

General: Age 65+ or disabled, NC resident, Medicare Part A/B.
Income Limits (2025): ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits: $9,430 (individual), $14,130 (couple).
NC Specifics: Three tiers; no waitlist; includes Extra Help for Part D.

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

Low-Income Energy Assistance Program (LIHEAP)

North Carolina LIHEAP

General: Age 60+ prioritized, NC resident, low-income household.
Income Limits (2025): ~$3,970/month (individual, 185% FPL).
Asset Limits: Not assessed; income-focused.
NC Specifics: Covers oil, gas, electric; emergency aid via Crisis Intervention Program (CIP).

Services: Heating/cooling aid ($300-$1,000/season), emergency fuel ($600 max via CIP).

Senior Community Service Employment Program (SCSEP)

North Carolina SCSEP

General: Age 55+, unemployed, low-income, NC resident.
Income Limits (2025): ~$1,983/month (125% FPL).
Asset Limits: Not specified; income-focused.
NC Specifics: Priority for veterans, rural residents; AARP partnership.

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

VA Aid and Attendance (A&A) and Housebound Benefits

North Carolina VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, NC resident, wartime service, need for ADL help (A&A) or homebound.
Income Limits (2025): Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits: ~$155,356 (net worth limit).
NC Specifics: High veteran demand in rural/urban areas.

Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).

Urgent Repair Program (URP)

North Carolina Urgent Repair Program

General: Age 60+ prioritized, NC resident, homeowner, low-income.
Income Limits (2025): ~$30,258/year (50% AMI, varies by county).
Asset Limits: Not strictly assessed; home value considered.
NC Specifics: Forgivable at $2,000/year; statewide via local partners.

Services: Repairs (~$8,000-$12,000 avg.) for safety (e.g., roofs, heating, accessibility).

State/County Special Assistance (SA)

North Carolina Special Assistance

General: Age 65+ (or disabled), NC resident, in licensed adult care home, low-income.
Income Limits (2025): ~$1,255/month (individual, 100% FPL); varies by facility rate.
Asset Limits: $2,000 (individual).
NC Specifics: Covers assisted living; counties supplement state funds.

Services: Cash (~$1,200-$1,500/month) for room/board; Medicaid covers care services.

Claim What’s Yours Financial Aid for North Carolina Seniors

NC Medicaid CAP/DA

Community Alternatives Program for Disabled Adults

Eligibility

General: Age 65+ or disabled, North Carolina resident, Medicaid- eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $2,000 (individual), $3,000 (couple).
NC Specifics: High demand; waitlists common in urban areas.

Benefits

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care ($60/day), home modifications ($1,500 avg.).

NC SCO (via NFCSP)

North Carolina Senior Care Options

Eligibility

General: Caregiver of someone 60+ (or with dementia), North Carolina resident.
Income Limits: No strict limit; prioritizes low-income.
Asset Limits: Not applicable.
NC Specifics: Limited slots; rural/urban balance.

Benefits

Services: In-home respite (4-6 hours/day), adult day care (~$60/day), short-term facility care (up to 5 days).

North Carolina PACE (e.g., PACE of the Triad)

Program of All-Inclusive Care for the Elderly (PACE)

Eligibility

General: Age 55+, NC resident (specific counties), NFLOC, safe with PACE support.
Income Limits (2025): ~$2,829/month (Medicaid-eligible); private pay option available.
Asset Limits: $2,000 (individual), $3,000 (couple) for Medicaid enrollees.
NC Specifics: Available in 10+ counties (e.g., Guilford, Wake); multiple providers (e.g., PACE of the Southern Piedmont).

Benefits

Services: Personal care (5-7 hours/day), medical care, meals, transportation, respite, therapies.

North Carolina In-Home Aide Services

In-Home Aide Services

Eligibility

General: Age 60+, NC resident, unable to perform 1+ ADL, at risk of nursing home placement.
Income Limits (2025): No strict cap; prioritizes low-income (~$24,980/year).
Asset Limits: Not assessed; need-based.
NC Specifics: Family can be aides; varies by county funding.

Benefits

Services: Personal care (5-20 hours/week), meal prep, respite (~5 days/year), errands.

North Carolina Medicare Savings Program

Medicare Savings Program (MSP)

Eligibility

General: Age 65+ or disabled, NC resident, Medicare Part A/B.
Income Limits (2025): ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits: $9,430 (individual), $14,130 (couple).
NC Specifics: Three tiers; no waitlist; includes Extra Help for Part D.

Benefits

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

North Carolina LIHEAP

Low-Income Energy Assistance Program (LIHEAP)

Eligibility

General: Age 60+ prioritized, NC resident, low-income household.
Income Limits (2025): ~$3,970/month (individual, 185% FPL).
Asset Limits: Not assessed; income-focused.
NC Specifics: Covers oil, gas, electric; emergency aid via Crisis Intervention Program (CIP).

Benefits

Services: Heating/cooling aid ($300-$1,000/season), emergency fuel ($600 max via CIP).

North Carolina SCSEP

Senior Community Service Employment Program (SCSEP)

Eligibility

General: Age 55+, unemployed, low-income, NC resident.
Income Limits (2025): ~$1,983/month (125% FPL).
Asset Limits: Not specified; income-focused.
NC Specifics: Priority for veterans, rural residents; AARP partnership.

Benefits

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

North Carolina VA Aid and Attendance/Housebound

VA Aid and Attendance (A&A) and Housebound Benefits

Eligibility

General: Age 65+ or disabled veteran/spouse, NC resident, wartime service, need for ADL help (A&A) or homebound.
Income Limits (2025): Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits: ~$155,356 (net worth limit).
NC Specifics: High veteran demand in rural/urban areas.

Benefits

Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).

North Carolina Urgent Repair Program

Urgent Repair Program (URP)

Eligibility

General: Age 60+ prioritized, NC resident, homeowner, low-income.
Income Limits (2025): ~$30,258/year (50% AMI, varies by county).
Asset Limits: Not strictly assessed; home value considered.
NC Specifics: Forgivable at $2,000/year; statewide via local partners.

Benefits

Services: Repairs (~$8,000-$12,000 avg.) for safety (e.g., roofs, heating, accessibility).

North Carolina Special Assistance

State/County Special Assistance (SA)

Eligibility

General: Age 65+ (or disabled), NC resident, in licensed adult care home, low-income.
Income Limits (2025): ~$1,255/month (individual, 100% FPL); varies by facility rate.
Asset Limits: $2,000 (individual).
NC Specifics: Covers assisted living; counties supplement state funds.