Continuing Care Retirement Communities in NE

Continuing care retirement communities are retirement communities with accommodations for independent living, assisted living, and nursing home care, offering residents a continuum of care. The communities ensure a dignified place for your or your senior to stay. Depending on your location and specific needs your options may vary.

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Recreation and Attractions in Nebraska

Boasting plenty of open prairies and iconic landmarks like Chimney Rock in Bayard or Smith Falls in Valentine, Nebraska’s rich history includes the heritage of the Plains Indians of various tribes who still reside in the state on 6 different reservations. The state also features the Nebraska Medical Center, ensuring that the latest medical technology and professionals are nearby.

Nebraska's Climate, Geography, and Culture

Average temperatures are fairly uniform across Nebraska, with hot summers and generally cold winters. Nebraska is filled with blue-collar workers that will be glad to welcome you to the state. These cornhuskers pride themselves on self-reliance, but won't hesitate to help out a neighbor.

Nebraska's CCRC Regulations and Laws

Nebraska has various laws and regulations geared towards making the best possible CCRCs available. These regulations include regular facility inspections, strict health codes, and other precautions to make sure your stay is the best. These regulations can be found at the Nebraska Department of Health and Human Services website

Crime and Safety in Nebraska

Long past are the days of prairie skirmishes and land disputes of the Wild West. Luckily, Nebraska’s crime rates reflect this fact by being lower than the national average in every category. Seniors looking for a safe place to transition to a nursing home in Nebraska can rest assured they’ll find such locations in the safest cities listed below: 

LocationViolent Crimes Per 1,000 ResidentsProperty Crimes Per 1,000 Residents
O'Neill.266.18
Auburn1.145.43
Cozad.2410.21
 

(source: safewise.com

Payment and Costs for CCRCs in Nebraska

The payment plans will differ at each CCRC, however, large entrance fees are to be expected and can range anywhere from $30,000 to $500,000 and even up to $1 million at a single time depending on your contract and location. The national average cost of an entrance fee based on the most recent data is $248,000, and this price is expected to continue to fluctuate based on local housing prices. 

The type of contract entered into by the resident will include a monthly maintenance fee costing between $300 and $4,500 or more depending on which services are utilized. Some residents may choose a “buy-in” option, meaning they join the community through buying an actual property. Whether you buy a property or not, it’s still necessary to look out for any additional maintenance or service fees before signing a contract. 

The difference in prices is largely a result of the type of contract residents enter into, as well as their individual health care costs and possible Medicare or Medicaid coverage.

  1. Extensive Contracts – Guarantee a lifetime of housing and care at any and all levels provided by the community. These also include monthly fees in exchange for a wide range of services. Because there is a relatively lower degree of risk, the upfront costs are much higher.
    1. Entry Fee: $160,000 - $600,000
    2. Monthly Fee: $2,500 - $5,400
  2. Modified Contracts – Modified contracts only extend for a set number of days. After exceeding this limit, services are paid for out of pocket by the resident. Monthly fees are also still charged at an ongoing rate.
    1. Entry Fee: $80,000 - $750,000
    2. Monthly Fee: $1,500 - $2,500
  3. Fee-For-Service Contracts – Residents only pay for the services they currently use, however, are not safeguarded from any future changes in pricing or service availability. Most of the financial burden is borne by the resident, depending on Medicare or Medicaid eligibility. These are considered to be the contracts with the highest risk, even though their upfront costs are the lowest.
    1. Entry Fee: $100,000 - $500,000
    2. Monthly Fee: $1,300 - $4,300
  4. Rental Agreements – Allow residents the ability to rent a housing unit on a monthly or annual basis. This type of contract does not guarantee access to health care on a fee-for-service basis, unlike other agreements.
    1. Entry Fee: $1,800 - $30,000
    2. Monthly Fee: $900 - $10,700
  5. Equity Agreements – Shares of the community or association are afforded to individuals by the transferal of actual home, condominium, or townhome ownership within the CCRC. Healthcare services can still be purchased for additional fees. Through an equity agreement, the property’s appreciation benefits the individual or their estate as specified by the terms of the contract. This type of agreement relies heavily on the fluctuations of real estate in the area. 

From a Report by The U.S. Government Accountability Office.

Senior and Elderly Rights For CCRCs in Nebraska

Entering a Nebraska CCRC doesn’t mean your rights as a United States citizen are left behind. The Constitution and Bill of Rights guarantee that your freedoms, privacy, and ability to act autonomously are preserved while receiving care at the community's various levels. Residents have the right to manage their personal and financial affairs and air grievances. Additionally, all services provided and a description of your rights within each particular CCRC are to be displayed and understood upon entering into your continuing care contract. If these rights are violated, don’t hesitate to contact a legal advisor familiar with senior law.

Nebraska CCRCs: Medical Record Rules & Regulations 

Since the goal of CCRCs is to aid residents in living independently, most communities will require a health screening in order for individuals to be admitted. Unfortunately, it is common for applicants with frailties and those older than 80 years of age to be denied admission, especially if their pre-existing medical conditions are excluded from the health care coverage to be provided. Residents receiving care or any other type of medical attention in Nebraska are entitled to a comprehensive and accurate record of their diagnosis and treatment. State and federal laws provide that residents have access to their records and health information, as well as the right to know when disclosures have been made. Otherwise, these records are to remain confidential for up to 10 years and can be accessed by submitting a request and providing a small fee.

Although CCRCs are the most expensive senior care option available, they are ideal for people who would like to maintain an independent lifestyle and age in place. Coupled with Nebraska’s natural beauty and high-quality communities, your move to a CCRC can be the perfect chance to retire comfortably.

Finding the perfect senior care community is only part of making your loved one’s senior living transition smooth. At SeniorCaring, we know that it is also equally important to be aware of what other community services and resources are available to your family’s senior. Choose your location and find local resources for your senior.