Senior Housing Secrets Part 2: Independent vs. Assisted Living & The Truth About Medicare

Are you feeling overwhelmed by the transition to senior housing? In Part 2 of our "7 Senior Housing Secrets" series, Angela Dillmon and Glen Calvin dive deep into the specific tiers of care and the financial realities most families overlook.We break down the three primary options mentioned in today’s episode:• Independent Living: 55+ communities with active lifestyles, five-star amenities (like Gambrill Gardens), and safety features like 24/7 pull-cords.• Assisted Living: Specialized care for those needing help with daily tasks while maintaining personal dignity.• Skilled Nursing: 24/7 medical supervision for complex health needs and safety.The Big Truth About Medicare: One of the most dangerous misconceptions is how these stays are funded. We explain why Medicare never pays for housing and how Medicaid requires a "spend down" before covering skilled nursing costs.In this video, we cover:• The "Isolation" Warning: How to know when a home is too big for Mom.• The Financial Reality: HUD-subsidized senior living vs. private pay.• Free Resources: Why you should contact a hospital social worker for vetted facility lists.• The Hardest Conversation: Why you should never promise a parent you’ll "never put them in a home."Chapters:0:00 When is it time to move Mom?1:35 Independent Living vs. Assisted Living4:12 The 5-Star Amenities at Gambrill Gardens6:50 Does Medicare pay for senior housing?9:15 Understanding the Medicaid "Spend Down"11:30 Using Hospital Social Workers as a Resource13:45 The "Never Put Me in a Home" PromiseWant our Senior Housing Handout?We have a list of recommended independent living and skilled nursing facilities in the STL area. Give us a call or comment below to receive your copy!Missed Part 1? Watch it here: https://youtu.be/mHsQsE8sNg4#SeniorHousing #IndependentLiving #AssistedLiving #MedicareSecrets #SeniorCarePlanning #RealEstateFundamentals #STLRealEstate #AgingInPlace #skillednursing ⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️🔗 Your home is your biggest asset.Track its value and build your wealth for FREE.: ⁠https://hmbt.co/HZmjRn⁠💡 Thinking about making a move? We're here to help you get in position and make the most of this opportunity. To get a personalized game plan for your specific situation, reach out to us.Click here to schedule a consultation: 🔗 ⁠https://forms.gle/9Q2G3a2t7PZnYqMR8⁠Contact Info:Angela DillmonThe Dillmon Group of Keller Williams Realty Chesterfield📞 (314) 277-7713📧 [email protected]🔗 ⁠https://adillmon.kw.com/⁠Glen CalvinGuild MortgageBranch Manager | NMLS #742330📞 (314) 249-2861📧 [email protected]🔗 ⁠https://branches.guildmortgage.com/mo/chesterfield/glen-calvin-714-cngca.html⁠Stay ahead of the St. Louis real estate market. Follow me for daily insights, listings, and tips:• Facebook: https://www.facebook.com/angeladillmon/• Instagram: https://www.instagram.com/angela.dillmon/• LinkedIn: https://www.linkedin.com/in/angeladillmon/• X/Twitter: https://x.com/ADillmon• Google Reviews: https://share.google/obZU5GR87RumXGG0K