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A senior couple reads the newspaper together.
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Should I Choose Assisted Living or Home Care?

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Should I Choose Assisted Living or Home Care?

September 1st, 2021

When you’re retired and realize you need more personalized daily support, it’s often challenging to decide the best option for your needs. You could transition to an assisted living community, or you could find a professional caregiver to support you in your own home. Both options come with their own pros and cons, but your top priority is making the decision that helps you maintain or even enhance your current lifestyle as much as possible. 

If you’re having trouble deciding between assisted living and home care services, you’re not alone. Join our senior care experts as we break down the classic debate between aging at home vs. assisted living. 

In-Home Care vs. Assisted Living 

In-home care has been an increasingly popular option for older adults who need additional support. How effective in-home care can be depends on your individual needs. For example, if you need help with dressing or bathing, a home care professional can stop by your home daily to help. However, once you go beyond two or three main areas of focus, in-home care becomes more expensive and harder to organize. 

Assisted living involves transitioning out of your current home and into a senior living community where you’ll have access to around-the-clock care should you need it. In addition to helping residents maintain their highest level of independence, assisted living communities also have a wide variety of other benefits. You’ll have a range of services and amenities to help you make new meaningful social connections and a community chef who can help improve your daily nutrition. Assisted living communities are usually recommended for older adults who need extra support across multiple levels of lifestyle. 

The Pros and Cons of Each Option 

Other than the fact that one option takes place in your home and the other at a dedicated senior living community, there are some major differences between the benefits of in-home care and assisted living. 

In-Home Care Benefits:

  • You’re able to stay in your home as you age. 
  • You get one-on-one attention for your specific care needs. 
  • You have complete freedom to choose your caregiver. 
  • You and your family have more flexibility in daily life. 

Assisted Living Benefits: 

  • You don’t have to make any modifications to your home or schedule. 
  • You and your family don’t have to worry about planning and scheduling care. 
  • You have  readily available opportunities to socialize and explore your passions. 
  • You’re able to easily increase your level of care if needed. 

While there might be a senior care option that’s best for your needs, it’s important to know some of the common limitations older adults run into with in-home care and assisted living. 

In-Home Care Cons: 

  • Modifications to your home are often required and can get expensive. 
  • There’s an increased risk of becoming more isolated by staying at home. 
  • You have to manage your caregiver and monitor other aspects of your health. 
  • It can be challenging to have caregivers take on additional tasks. 

Assisted Living Cons: 

  • It can be challenging to leave the home you’ve lived in for years. 
  • The cost can vary depending on the types of amenities offered. 
  • It’s possible to feel a loss of privacy by being around other residents. 
  • It takes time to adjust to your new environment. 

Understanding Your Financial Situation Is Key 

Before you make the decision between in-home care and assisted living, you need a firm understanding of your current financial situation. The cost of both options depends on your personal needs. Start by making a list of the different care services you’ll need to maintain your ideal lifestyle. If you need help with medication management, cooking meals, or even assistance with being more physically active, the cost of care will differ. 

After you have a list of your care needs, the next step is figuring out your finances. According to Genworth, the 2020 average cost of in-home care was roughly $4,400 a month, and assisted living came in at around $4,300 a month. Using this as a baseline, make sure your current income can support the level of care you’re leaning toward. You’ll want to contact an assisted living community and in-home care provider to tell them about your needs. With that information, these senior care providers should be able to give you a more accurate look at what the cost could be. 

Explore Assisted Living Communities near You 

If you’re deciding between in-home care and assisted living, your next step is to visit a senior living community like Garden Plaza of Florissant. At Garden PLaza of Florissant, assisted living residents have the opportunity to maintain their highest level of independence by getting personalized support for their daily needs. If you’re looking to make the most out of your retirement, come see our community firsthand by contacting us to schedule a tour.

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