Continuing Care Retirement Communities (CCRCs) provide a continuum of housing and health services at every level of need for older adults. Also called life care communities, these housing developments offer residents a tiered approach to addressing health care needs from independent living to assisted living to skilled nursing on the same campus.
Residents enter into a contractual agreement with the CCRC and pay a substantial entry fee as well as monthly fees. Independent housing units may include apartments, town houses, condominiums or freestanding homes and may range in size from studios to three-bedroom homes.
There are three types of contracts:
Life Care: Unlimited assisted living, medical treatment, and skilled nursing care.
Modified: Services are provided for a determined length of time.
Fee-for-Service: Assisted living and skilled nursing are paid for at market rate.
CCRCs are not licensed by the state of Connecticut, but certain parts, such as nursing homes and assisted living services, are licensed by the Connecticut Department of Public Health.
CCRCs are typically age-restricted. There may be a requirement that residents be eligible for independent living to enter into a Life Care or Modified contract. Some facilities may also require residents be enrolled in Medicare Part A and Medicare Part B.
Residents must also be able to demonstrate an ability to pay the required fees.
Services and Fees
Services vary according to the CCRC and residents’ needs. They may include:
Nursing and other health care services
Personal assistance and help with meals, housekeeping and transportation
Assisted living and
Recreational and educational activities
CCRCs involve a substantial financial investment. Most require a one-time entry fee and subsequent monthly payments. CCRCs may accept Medicaid funding for residents who move permanently to the nursing care section of the facility.
Financial Options for Continuing Care Retirement Communities
Private Pay: Private pay refers to using personal funds to cover all or a portion of an expense. There are different ways to acquire private pay resources.
Medicare: This is the federal health insurance program for older adults, people with disabilities and people with End-Stage Renal (Kidney) Disease and ALS. Benefits can be received through different programs and policies either from the government or a private insurance company.
HUSKY Health and Medicaid: This program provides a comprehensive health care benefit package including preventive care, primary care, specialist visits, hospital care, behavioral health services, dental services, hospice and prescription medications to eligible individuals.
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