The services offered at assisted living in Oxnard vary, but generally provide a range of care that encompasses personal and medical care. A few services commonly provided at assisted living include:
Medication Management
An on-site nurse can assist residents with taking medication and keeping track of prescriptions.
Assistance With Personal Care
A nurse’s aide or health assistant can assist residents with personal care activities such as bathing, getting dressed, brushing their teeth, combing their hair, and taking care of fingernails and toenails.
Housekeeping And Laundry
Many assisted living facilities provide housekeeping and laundry services.
Food Services
An assisted living facility may provide meals and snacks. These facilities may also make adjustments for residents on special diets (such as vegetarian diets, Kosher diets, or diets appropriate for diabetics).
Maintenance
Each resident’s apartment or room will be kept clean and tidy by the maintenance staff. In addition, staff will maintain on-site recreational facilities and common areas.
Transportation
An assisted living facility in Oxnard may also transport residents to doctor’s appointments, shopping venues, libraries, churches, and other locations.
On-Site Resident Activities
Most assisted living facilities provide on-site resident activities, such as bingo, exercise or yoga classes, painting classes, game nights, and movie nights.
Off-Site Resident Activities
Some facilities will take residents to the park, to cultural events, to the movie theater, and to other popular community spots. Some residents may even have the opportunity to take longer day trips to nearby cities.
Physical, Occupational, And Speech Therapy
Assisted living services may include coordinating rehabilitative therapies for residents. In many cases, therapy is provided by the facility itself or by private practitioners who visit the facility.
Counseling
Assisted living facilities often employ social workers or therapists to provide counseling services to residents. Family members struggling to adjust to their loved ones’ new living situation may also obtain counseling.
How To Pay For Assisted Living In Oxnard
Since most residents don’t have an income that can support a $48,000 (or higher) expenditure each year and Medicare doesn’t cover this type of long-term care, residents will need to consider financing options that could cover the cost of an assisted living facility. Some of the options available to them might include:
Private Funds
The first source of funds should be the senior’s retirement accounts, if they have any. Depending on how much they’ve saved and invested over the years, they may have enough to cover several years or more in the assisted living facility.
Reverse Mortgage
If the senior won’t be selling their home (because, for example, their independent spouse or a grown child still lives there), they could take out a reverse mortgage. This is an equity loan that doesn’t have to be repaid until the house is sold or after the owner dies.
Long-Term Care Insurance
Though residents can’t buy long-term care insurance if they’re already in their 80s, they might have purchased a long-term care insurance policy decades ago. Check the policy to see if it covers part or all of the cost of residence at an assisted living facility.
House Sale
If the senior no longer needs their home, they might consider selling the property and using equity to pay for assisted living. If residents need funds before the house is sold, a bridge loan could be a potential solution.
