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Nursing Home Communities in Oswego, Illinois

Oswego is a peaceful village in the state of Illinois, located about an hour away from Chicago. It has a population of 36,252, and about 9.6% of residents are aged 65 and older. Excellent medical facilities are available in the nearby town of Aurora. Rush-Copley Medical Center is rated as high-performing in three specialties by USN rankings. A Rush Convenient Care facility is available in Oswego for everyday medical care.

Nursing home care offers skilled nursing services for seniors who require full-time medical supervision and assistance. This level of care is best suited to seniors with chronic illness and those who are extremely frail. Nursing home care is generally the most expensive care option, and according to the Genworth Cost of Care Survey 2020, the average monthly cost of nursing home care in Oswego is $8,076, which is higher than the national average of $7,756. Seniors who don’t require this level of care may want to look at alternative options such as home care and assisted living.

This guide looks at the costs of nursing home care and alternative options and lists a few helpful resources.

Note: Data for Oswego was unavailable, so data for the nearest city, Chicago, was used instead.

Directory of Nursing Home in Oswego, IL

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The Cost of Nursing Home Care in Nearby Cities

It may be of interest to families to look at the costs of nursing home care in nearby cities using the monthly average of a semiprivate room as a comparison point. The average cost in Oswego is higher than the national average of $7,756 and higher than the Illinois state average of $6,235.

The average monthly cost of nursing home care in the neighboring cities of Carbondale ($5,232), Springfield ($6,996), Danville ($6,874) and Rockford ($5,825) is significantly lower than the cost of care in Oswego.

Oswego

$8,076

Illinois

$6,235

The United States

$7,756

Carbondale

$5,232

Springfield

$6,996

Danville

$6,874

Rockford

$5,825

Nursing Home Costs in Oswego, Illinois

The average monthly cost of nursing home care in Oswego is $8,076 for a semiprivate room and $8,532 for a private room. 

Financial Assistance for Nursing Home Care in Oswego, Illinois

Many seniors and their families use some form of financial assistance to help them pay for nursing care. The main options available are Medicare, Medicaid, and veterans benefits. These programs can be complicated, especially when it comes to benefit terms. Below, we give a brief overview of how these programs may be used towards paying for skilled nursing care.

  • Medicare: Medicare will typically cover all skilled nursing costs for the first 20 days of one’s stay in a nursing home and a portion of the costs until day 100. After 100 days in a skilled nursing facility, Medicare will not cover any part of the cost of the stay. While this is adequate when short-term care is needed, those in need of long-term care will need to either pay out-of-pocket or use another source of financial assistance.
  • Medicaid: Medicaid covers most of the costs of living in a skilled nursing facility for those who qualify. Care, room, and board are covered with no time limit, but residents may be charged for extras like specially prepared food or cosmetic services. Medicaid eligibility standards are strict and complex, so not all seniors are eligible for Medicaid benefits.
  • Veterans Benefits: Veterans receiving a VA pension may also be eligible for the Aid and Attendance benefit administered by the VA. Aid and Attendance is a monthly allowance that beneficiaries may use to pay for their long-term care, including skilled nursing care.

If these options aren’t available to you, check if your loved one has long-term care insurance or contact your Area Agency on Aging to ask about any local financial assistance programs for seniors.

The Cost of Other Types of Senior Care

Families who have not decided on a level of care for their loved ones may be interested in the costs of alternative care options in Oswego. At the lower end of the cost scale, adult day care has an average monthly cost of $1,614, while assisted living averages $4,950. The average monthly cost for home care and home health care services are $4,957 and $5,053, respectively. At the upper end of the scale, the average monthly cost for nursing home care is $8,076 for a semiprivate room and $8,532 for a private room.

Adult day health care

$1,614

Assisted living

$4,950

Home care

$4,957

Home health care

$5,053

Nursing home (semiprivate room)

$8,076

Nursing hare (private room)

$8,532

Free Resources for Seniors in Oswego, Illinois

Seniors living in Oswego may find the following resources to be of use if they’re looking for ways to continue living in their own homes. One resource looks at assistance in finding financial help for those who have decided to make the move to long-term nursing care.

ResourceContactService
SHIP(630) 554-5602SHIP is a free health insurance counseling service that aims to assist seniors and their caregivers. The counselors provide in-depth and objective information to ensure that seniors are getting the best health insurance for their particular circumstances. A SHIP counselor can help seniors determine which long-term care financial aid benefits they are entitled to and which facilities accept these benefits.
Meals on Wheels(630) 553-2316Meals on Wheels delivers meals to homebound seniors aged 60 and over who are unable to prepare a meal on their own. Volunteers deliver a hot meal around noon each day from Monday to Friday. These volunteers provide a social check service and can notify the relevant authorities if anything seems amiss. There’s a small fee for each meal, but financial aid is available.
Volunteer Transport Services(630) 553-5777The program matches volunteer drivers and seniors in need of transport. The volunteers drive seniors who are no longer able to drive or don’t have access to a vehicle. Transport can be arranged to medical appointments, nutrition sites, senior activity centers and grocery stores. There’s no charge for the ride, but trips must be booked in advance to ensure that a driver is available. 

Reviews of Communities Nearby

Nursing Homes

PJH1

I am a friend or relative of a current/past resident

Review of Symphony at the Tillers

What we wished we had known before choosing the Symphony at Tiller's: 1. They will not allow the resident to walk because they told us they are short staffed and they are! My husband was forced...

Read more

Nursing Homes

Grandmaro

I am/was a resident of this facility

Review of Symphony at the Tillers

My short stay at Tillers of Oswego was a nightmare. After 5 miserable days there, I requested to be discharged and entered another facility. The intercom system was being updated. Patients were...

Read more

Nursing Homes

beanjen

I am a friend or relative of a current/past resident

Review of Symphony at the Tillers

Ever since the Saxon family sold Tillers to the Symphony corporation it has steadily gone down hill. Oh, the outsides look pretty. The did a lot of renovation. There are now TVs on the walls...

Read more

Helpful Articles

Nursing Homes near Oswego, IL

AuroraNorth AuroraBataviaNapervilleGenevaWinfield

Other Options in Oswego, IL

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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