Blessed are those rare few who planned early before they had any health problems and who have excellent long term care coverage. Be careful to avoid potential fees scams of nurse evaluation placing you in a much higher “level of care” than you belong and trying to change all your physicians to theirs. Visit multiple times, read state health inspection reports (even for non-medicaid facilities). Ask about guest policies and any restrictions on going out. Look at the residents and observe whether they look happy and well cared for. Ask about the nursing staff—is there a licensed RN or are you expected to sign agreeing non-medical co personnel can dispense drugs to you. Drug distribution errors happen and you don’t want to be a victim of one. At least, in this state only licensed medical personnel can dispense drugs. Exceptions are: waivers signed by incoming ALF patients. Don’t sign Anything without a lawyer reviewing it and discussing it with you. Numerous residence agreements i’ve seen provide the facility the right to appoint themself as your guardian if they decide you need it (no criteria presented). Referrals of people who have already lived there are good. it’s also helpful to ask to have a meal with a couple residents and ask them questions. i’m still looking.

@celia16
That’s quite different.

I would rather go to a place that is more “upscale” in the beginning and once I run out of money move to a place where Medicaid is accepted . There is a difference in quality of course.