Finding the right Salisbury senior living community can be a challenge, especially when it comes to understanding the costs. Prices can change a lot from one community to another, and knowing what to expect can help you make the best choice for yourself or a loved one.
This article will guide you through the average costs of assisted living in Salisbury, what services are included, and how to plan your finances. With this information, you’ll be ready to find an affordable assisted living community that fits your needs.
Average Senior Care Costs in Salisbury
On average, you can expect to pay about $5,596 per month for assisted living in this area. This amount is higher than some other cities in Maryland, but it’s still lower than the most expensive options in the state.
The price you pay for assisted living in Salisbury might be different from the average, depending on what you need and which community you choose.
Keep in mind that the cost can change based on things like:
- The size of your room or apartment
- The level of care you need
- Extra services you want
Some communities might charge more if they offer fancy amenities or special programs. Others might have lower prices but fewer extras.
What’s Included in Assisted Living Expenses
Your monthly payment typically includes a variety of services and amenities. Your assisted living costs generally cover housing, meals, housekeeping, and basic personal care assistance.
Here’s what you can usually expect to be included:
- A private or shared living space
- Regular housekeeping and laundry services
- Utilities like electricity, water, and heating
- Basic maintenance of your living area
- Help with daily activities like dressing and bathing
- Access to common areas and social activities
- 24-hour staff availability for safety and emergencies
It’s important to ask each community you’re considering for a detailed list of what is included in their base price. Additional services or higher levels of care might come with extra charges, so understanding what you get for your money is key.
Common Additional Expenses to Consider
One common extra cost is a move-in or community fee, which can range from $1,000 to $5,000 or more. This fee is often charged when you first join the community and can vary widely between communities.
Additionally, as your care needs change, you may need to pay more for increased levels of assistance. For example, if you require additional help with daily activities or medication management, those services might come with extra charges.
Personal care support is another area where expenses can add up. Essentials like toiletries and incontinence supplies are typically not included in your monthly fee. You may also find that services such as cable TV and internet require separate payments, as they are often not part of the standard package.
Moreover, if you enjoy getting your hair done or having other grooming services, keep in mind that these will usually incur additional costs. Some communities also offer special outings or events that may have separate fees, so it’s a good idea to ask about any activities you’re interested in.
Common Misconceptions About Assisted Living in Salisbury
When looking into assisted living, you might come across some ideas about costs that aren’t quite right. It’s important to know the truth so you can make the best decision for yourself or your loved one.
One common mistake is thinking that all assisted living communities offer all-inclusive pricing. In reality, many communities have a base fee and then charge extra for additional services. You might need to pay more if you require more help or want certain amenities.
Another misunderstanding is about government assistance. Many people believe government assistance will pay for assisted living, but in most cases, it doesn’t cover long-term care expenses. Government aid typically only covers short-term skilled nursing care, not the ongoing personal care assistance provided in assisted living communities.
You might also hear that assisted living is always more expensive than in-home care. While assisted living can seem costly at first glance, when you add up all the expenses of maintaining a home and hiring in-home caregivers, the total cost can sometimes be higher than living in a community. Each situation is unique, so it’s worth doing the math for your specific circumstances.
Lastly, some people think that the price you’re quoted when you move in will stay the same forever. In reality, most communities increase their rates annually to keep up with rising costs. It’s a good idea to ask about the history of rate increases and what you can expect in the future.
Questions to Ask During Assisted Living Financial Planning
Start by asking for a detailed breakdown of the monthly fees. Find out exactly what services are included in the base price and which ones might cost extra. It’s also a good idea to ask about any hidden fees or charges that might not be obvious at first glance.
Next, inquire about the community’s policy on rate increases. Ask how often rates typically go up and by what percentage, so you can plan for future expenses and ensure the community remains affordable for you in the long term. Some might have a cap on yearly increases, which can be helpful for budgeting.
Don’t forget to ask about the community’s refund policy. If you need to move out earlier than expected, you’ll want to know if you can get any of your money back. Some offer prorated refunds, while others might have a non-refundable period.
Experience The Start of Something Wonderful
Now that you have a better understanding of assisted living in Salisbury, you’re well-equipped to make an informed decision. The right community for you should balance your care needs, lifestyle preferences, and budget.
When exploring your options, stop by Lakeside at Mallard Landing. Our community offers a range of amenities that can enhance your daily life. This includes things like chef-prepared meals and a packed calendar of activities. You’ll also find professional staff available 24/7 to ensure your safety and comfort.
Don’t hesitate to reach out and schedule a tour to explore what could be your new home.
