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.
"Selecting a nursing and rehabilitation home for my mother-in-law was stressful, but once we found the Tillers home things moved forward with ease and comfort. From the process of finding her a bed to her last day, the administrative staff communicate..."
"I toured Marian Village. They were a little less expensive, but the place itself just seemed so vibrant, alive, energetic, and bright. The place seemed very new and very updated. When you walked in, you were welcomed by the person at the front desk. ..."
"My mother will be moving into GreenFields of Geneva. We chose it mostly because of the location. It's very close to one of my other siblings. She'll be going to memory care. I like that there was a separate dining area like each area was separate. It..."
"The tour I had at Franciscan Village was very good. It was organized, and caring and had an overarching feeling of a faith community, which was very attractive to both my mom and myself. It just so happens that we're practicing Catholics so that was ..."
"Brookdale Lisle would have been my number-one pick. It was a luxury assisted living facility and probably the best in the area. It included extra things like a separate storage area, which was just kind of nice. The food menu was fabulous. Some of th..."
"I liked Jennings Terrace. I liked how friendly everyone was. They answered a lot of questions. They were very thorough with their information. They were very kind. They give everybody their own space. They give everybody space to eat and a space to e..."
"I visited Encore Village of Schaumburg. The staff was great. It was a pretty nice place. I had no problem. It was clean and convenient to get around. Everything was right there. You didn't have to walk them out to get here and there. The patio was cl..."
"Our loving Brother Peter was cared for by a dedicated nurturing staff to whom we are very grateful.
A spiritual environment, offering mass and very supportive of families.
..."
"An older nursing home but kept clean and bright. The care you receive here is awesome!! Hands and heads above ALL the rest of the nursing homes in Illinois!! My mother and my grandmother and a dear friend all stayed here,one very long term(years) and..."
"My wife is at Victorian Village Health and Wellness Center. It is a friendly place with caring people. My wife likes the food there. The staff is very caring. It's like they're one of the families. It is a nice place to be, and it is very clean. The ..."
"I was completely surprised but very put at ease and at comfort with the staff. But they never let me feel anything less but dignified. And for somebody to be going through what it takes to be invoked in the situation such as this , dignity is lot. ..."
"Was in rehab there for three months. Suzanne D. is a great administrator. Had some great nurses and CNA’s but of course some not so great. Having been a patient in two other nursing homes, I was surprised that the rooms weren’t private. Overall a nic..."
"The rooms at Highland Oaks were spacious and clean with up-to-date, modern equipment. The dining area was well-lit and staffed well. The menu comes with a variety, so that was appealing. The staff seemed attentive. The place was clean with spaciousne..."
"One of the best places that I went to was Meadowbrook Manor - Naperville. As soon as you walk in, it smelled good. They were very helpful. I was visiting a loved one, and as soon as I walked through the door, someone greeted me. The patients were hap..."
"My Mom has been a resident at Sunny Hill for the past 4 years and in my opinion they do an outstanding job of caring for their residents in a clean and vibrant facility. Having recently completed a total remodel, the facility is clean, bright and su..."
"I am currently in rehab at Oak Trace. There's nothing that I do not like here. Everything is above anything that I've experienced before. The staff was very kind. They're courteous. And they respond right away. The food is excellent. I couldn't ask f..."
"My mom is in Tabor Hills A Campus of Caring. They've been OK from what I've seen. They take care of my mom, and they're attentive. I wish they would let families in longer or more because of the COVID. Right now, they're still limiting the number of ..."
"My mother and father moved to independent living at Windsor Park in 2018. They moved to assisted living, when dad’s health declined, in 2022. When dad passed away, in 2023, they managed to move mom back to independent living within four days, using t..."
"My mom is at Symphony Palos Park and she's doing very well. They've done a great job taking care of her, adapting to her needs, and listening to her. I'm able to go there every day on my way to work and back, and they're always very welcoming. If any..."
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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.
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.
SHIP 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 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.
The 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
1.0
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...
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...
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...