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.
"I love, love, love living here at Beacon Hill. Living here is one of the BEST decisions I've made.
The most spectacular feature here are the residents. I have been here almost one year and have made many friends. Each individual I see is pleasa..."
" I had never planned to have to put a parent in a nursing home and it was one of the most difficult decisions I have had to make.
I feel Heritage Health was an excellent choice. It was so hard to leave her there the first night, the staff assure..."
"I moved into The Pearl of Naperville. They have all the good amenities and physical therapy. Everyone has been nice. They serve three meals a day. It's quality food. They have bingo and something to keep you busy all the time. I enjoy it myself...."
"The staff are so caring and attentive. The nursing staff in particular are exceptionally competent and very aware of everything that is needed. The aids are cheerful and not at all afraid to help out. Nothing is a problem and gets tended too as soon ..."
"West Chicago Terrace was, at least when I visited it, a fairly clean place. When one first enters the nursing home, there are no blatant odors, but rather a smiling young face to greet the visitor.
Also, I don't know if it was my personal timing, but..."
"My mother has moved into Avantara Elgin, and it has excellent care. They're very attentive and she seems to be adjusting very well there. They're very nice there. She seems to be happy there for now and she is comfortable.
They have an exercise/ ph..."
"I had alot experiences with this facility. My grandfather lived in this facility for a few years, before he passed. The staff always seemed to be friendly, and they took great care of the residents. I never once saw someone being rude, or acting bad ..."
"My sister is a resident of Thrive of Fox Valley. It's relatively new. It looks nice. It's clean and spacious. It's probably one of the newer facilities. I don't know how old it is, but it has a nice first impression. Her room is pretty basic, a bed a..."
"I have been in rehab at Bella Terra Elmhurst for three weeks now. The facility is okay. It's rehabilitation, occupational therapy, and physical therapy. They have activities for the residents. I think they played bingo. And they have other little act..."
"My mother is at Spring Creek Nursing and Rehab. The staff is friendly and helpful. They seem to do a good job of making my mother comfortable. It's homey. It's not fancy. I'm comfortable there, and I think my mother is, too. I think they're doing at ..."
"Each and every St. Patrick's staff member treated my Mother as if she were their own Mother. The Carmelite Sisters and the staff took care of my Mom's bodily needs as well as her spiritual needs with loving care. They were also a tremendous support..."
"I cannot express enough how wonderful The Pearl of Joliet has been for our family. From the moment we arrived, the care and compassion shown by the entire staff were truly remarkable. The facility is clean, welcoming, and feels like a home away from ..."
"My grandpa is a patient here and while he is not doing well physically, the care he is receiving is outstanding. I came in today from out of town and the staff that work here are really great! My grandpa says he likes living here and thats what mat..."
"I am a resident of Abbington now for the past five years and I love it. The staff is very friendly and always available to help you when needed.My room is very spacious and swept and mopped on a daily basis. My laundry is fantastic we turn it in at t..."
"I toured Alden of Waterford. It was nice. I got there and the lady who helped me was helpful. They have a clubhouse and they have a pool table. They had a little cafeteria area and fireplace, and it was all redone. They had a little golf area outside..."
"To anyone with a loved one in need of care, THIS is the place to choose! The physical therapy staff are miracle workers offering stellar service to all! Enormous kudos and standing ovation to the entire staff for their strict and SUCCESSFUL fight aga..."
"My grandma spent her last days here. Everyone at Regency was attentive, kind and so helpful with my 95yo grandma. She was legally blind and didn’t hear the best, and all the staff spoke to her and would explain exactly what they were doing. They took..."
"My brother has moved into Chateau Center Nursing & Rehabilitation Center. It's a lovely place. It's a very clean, lovely environment. The building is not old or shabby. The staff is diverse. It's a diverse community. They offer activities, which is g..."
"It seemed like Asbury Gardens had a lot of activities. The person who took us on the tour was very kind, and they talked about their staff being not a changing staff, but staff that's been there for a long time, and that was nice. It was a Medicaid f..."
"Before my mom passed, she was at The Lexington. The staff was kind and caring. The people were happy. They had activities. Their dining room was very clean and very well organized. The food was good. The rooms were nice. They also had an Alzheimer's ..."
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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...