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Nursing Home Communities in St Charles, IL
St. Charles, IL, is a small suburb of Chicago with ...
33,000 citizens, 17% of whom are seniors aged 65 and older. This bedroom community retains the slower pace of a small town but is close enough to Chicago proper for seniors to easily access world-class health care and other perks of the big city. Northwestern Medicine St. Charles is nearby, for emergency care or routine checkups, while Rush University Medical Center has excellent specialty care for the elderly. Some seniors in St. Charles may need care in a nursing home facility, which averages $8,076 per month.
Individuals who require constant supervision and regular medical care may benefit from the oversight and amenities of a nursing home. Nursing homes are staffed with medical professionals to provide care around the clock. Because of the dedicated medical care they provide, they are more expensive than other types of long-term care. However, seniors who may not need the extra medical care might be more at home in an assisted living community or hiring home health care services and remaining in their own homes.
This guide covers the costs for different types of elder care in St. Charles and includes resources for frail seniors in the community.
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Reviews of Communities Nearby
Nursing Homes
Louise O.
4.0
Review of River Crossing of St. Charles
I have lived at River Crossing of St. Charles, IL for the past month, receiving Physical Therapy and Occupational Therapy. Each of the therapist were exceptionally kind and professional in...
Nursing Homes
Gina yepsen
5.0
Review of The Grove of St. Charles
I want to say thank you to all the staff that has been taking care of my mother Inlaw at the grove of St Charles They have been nothing but kind, patient, and understanding. She just started doing...
Nursing Homes
Debbie
4.0
Review of River Crossing of St. Charles
My dad is currently in rehab at River Crossing of St Charles. It's inviting and comfortable. They have a courtyard. The staff seems very caring. I think they're shorthanded as staff, so lack of...
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The Cost of Nursing Home Care in Nearby Cities
Looking at the monthly average costs of a semiprivate room, St. Charles, at $8,076 is considerably higher than the state of Illinois overall, which averages $6,235. It’s also higher than the national average by a few hundred dollars. Nursing home fees in St. Charles run considerably higher than in other Illinois cities. Peoria is one of the closest, averaging $6,737 per month, although still more than $1,300 per month less than Park Ridge. Fees in Rockford ($5,825), Champaign ($5,901) and Carbondale ($5,232) are all considerably less per month than Park Ridge. Seniors on a budget may wish to consider these figures when choosing long-term care.
St. Charles
$8,076
Illinois
$6,235
The United States
$7,756
Rockford
$5,825
Champaign
$5,901
Carbondale
$5,232
Peoria
$6,737
Nursing Home Costs in St Charles, Illinois
A semiprivate room in a St. Charles nursing home costs $8,076 per month, while a private room is $8,532, on average, according to Genworth Financial’s Cost of Care Survey 2020.
Financial Assistance for Nursing Home Care in St Charles, 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
Nursing home care is the most expensive ($8,076), so seniors and their families should also evaluate other types of long-term care. Homecare services ($4,957) helps with daily chores, brief companionship and light personal care, while home health care ($5,053) workers are licensed medical professionals who can help people manage chronic health conditions and provide light medical care. Adult day health care ($1,614) allows seniors to socialize and receive assistance in a group setting, returning to their homes each night. Assisted living ($4,950) is a residential community with supervision and personal assistance available around the clock.
Home care
$4,957
Home health care
$5,053
Adult day health care
$1,614
Assisted living
$4,950
Nursing home (semiprivate room)
$8,076
Nursing home (private room)
$8,532
Note: Data for St. Charles was unavailable, so data for the nearest city, Chicago, was used instead.
Free Resources for Seniors in St Charles, Illinois
Below are some resources that St. Charles seniors and their families may find useful. These community programs address the needs of seniors seeking long-term care, help the elderly understand their options for personal and medical care, and can help seniors who choose to age in place at home maintain their independence.
| Resource | Contact | Service |
|---|---|---|
| Long-Term Care Ombudsman Program | (800) 252-8966 | Representatives of the Ombudsman program investigate complaints made by residents of elder care communities, including nursing homes, as well as complaints from families on behalf of these residents. The agency also provides oversight for living conditions in these facilities and advocates for greater regulations and standards for long-term care homes. |
| Chicago Agency on Aging | (312) 744-6681 | The local Agency on Aging administers programs for seniors living in the greater Chicago area, including help with retirement planning and budgeting for long-term care, applying for benefits from the government, such as Social Security and health care, and organizing social activities for seniors. |
| St. Charles Adult Activities Center | (630) 513-4323 | Seniors aged 60 and older can gather at the St. Charles Activities Center to socialize and celebrate birthdays and holidays, attend seminars about topics relevant to the elderly, participate in hobby groups or simply play a game or have lunch with friends. |
| Senior Services Associates | (847) 741-0404 | Senior Services Associates helps provide hot, healthy meals for seniors and those unable to leave their homes or prepare their own food. This outreach program also coordinates group meals, allowing seniors an opportunity to socialize outside the home. |
| Pace On Demand | (630) 379-2452 | This ride-sharing service for seniors offers free transportation for individuals or groups on a first-come-first-served basis. The program has vehicles equipped to accommodate those in wheelchairs. |
