Continuing Care at Home (CCAH) programs are emerging across the country for people who want to age in their own homes. Some programs are free-standing and others are offered by Continuing Care Retirement Communities (CCRC).
CCAH’s are sometimes called ‘Continuing Care Retirement Communities without walls’ because the services and care provided mirror those found within a retirement community.
CCAH’s provide an extensive array of care and services to keep you healthy and well at home. These services balance out your need for security and independence while meeting your goal of aging in your own home.
Services may vary among CCAH’s but
typically they include three components:
The cost of a CCAH program depends on the package of services you select,
as well as your health and age.
Because part of the fee pays for future care, you’ll need to first decide what type of care you want the program to pay for. Options may include selecting financial support for in-home or facility care should you need it. Some programs allow you to choose financial support for both.
Second, you’ll select daily and lifetime coverage
limits for the in-home/facility care you may need. This is an individual choice
typically based on your monthly income and the overall value of your financial
Some programs charge an up-front fee in addition to
a monthly fee for membership. Other programs have only a monthly fee based on
the plan you select for membership.
The membership process will vary from
program to program, but will typically include:
don’t do a full home safety review until a member is accepted into the program. However, many programs perform a home visit
prior to taking an application. Therefore, they’ll see your home and discuss
how age-friendly it is before you become a member.
people become a CCAH member when they are relatively healthy. That’s because
they already plan to age at home. They just need a program to successfully do
If you’re part of the majority of people who want to stay in their own home as long as possible yet have access to facility care should they need it, Continuing Care at Home may be the ideal program.
About the author: Jennifer Wessel is a Plan Counselor with Confident Living. She has over 20 years of experience in connecting people to services that will help them age well.
Confident Living is a continuing care at home membership program, focused on helping you remain active and independent as you age in your own home. We serve the greater Cincinnati area. For more information, contact us online or call (513) 719-3522.