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No Medicaid - Delaware Long Term Care Facilities

By Katherine Roberts Subscribe to RSS | December 6th 2011 | Views:

State Medicaid programs have already restructured their eligibility guidelines in the first quarter of the year in compliance with the new rules of the Centers for Medicare & Medicaid Services. Despite this effort many Delawareans still wonder why very few Delaware long term care facilities accept new residents who are on Medicaid.

These residents are not to be blamed, though, as Delaware happens to be on the list of U.S. states with the most expensive long term care (LTC) facilities. Anybody who lives here can’t help but wish that the government would one day drop a sure-fire solution to their LTC predicament.

In the 2010 long term care study which Prudential performed, Delaware turned out to have the most expensive assisted living facilities what with an average cost of $63,000.

This year, Delaware’s assisted living facilities dropped 13.5% as shown on Genworth Financial’s 2011 Cost of Care Survey. Its average annual cost is $55,506 which is still as expensive as its neighboring mid-Atlantic states such as Maryland and New York.

Nursing homes in Delaware are continuously soaring, too. For a private room, a family has to fork out $89,972 while a semi-private room is $83,950.

Medicaid used to be the last resort of uninsured individuals but the said federal and state health insurance program had to cut down its LTC expenditures as it has exceeded the supposed budget for this type of health care service.

However working on reducing its expenses on LTC, Medicaid has never discontinued providing assistance via in-home care and assisted living facility.

Delaware Long Term Care for More Elderly People

Any individual who hopes to receive quality care someday or, perhaps, one which conforms to his standards has to construct a good plan and not rely merely on Medicaid. Delawareans have to monitor the cost of care in their area so that they are aware of what could possibly threaten their finances. LTC costs are projected to quadruple in 2030 so unless you are confident that you are financially equipped to pay out $359,888 every year for a nursing home, start planning.

Don’t count on your retirement savings as that won’t be sufficient for your needs. According to financial advisors, only those who are expecting to receive $1,000,000 upon retirement can take the cost of care lightly.

Right now, not many elderly folks in Delaware are ready to receive care because they don’t have enough funds yet. Many of them are considering Delaware Area Agencies on Aging, or the Senior Center Funding Formula which provides assistance to the Delaware General Assembly in their allocation of grant-in-aid (GIA) to various senior centers that cater to the health care needs of older residents.

With the projected elderly population of Delaware in 2020, though, it appears the funds that these senior centers are receiving won’t be enough to cover everybody’s needs.

If you’re in your 50s or early 60s you can still prepare for the expensive Delaware long term care. Check out all of your options such as reverses mortgage or better yet, consult a licensed LTCI agent so you would know if you still qualify for a policy.

Katherine Roberts - About Author: provides helpful information regarding CLASS act and as well as free long term care quote that come from major carriers.

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