How Much Does a Nursing Home Cost Per Month in North Carolina?

Nursing home care is expensive, and many Americans deplete their savings in a matter of just a few years of long-term care. But what is the nursing home cost per month in North Carolina?

Our lawyers at Brady Cobin Law Group can help you plan to pay for nursing home care in North Carolina. Call us at 919-782-3500 to schedule a consultation.

2023 Genworth Cost of Care

The 2021 Cost of Care Survey conducted by Genworth put the cost of a private room in a skilled nursing facility at $8,213 per month. Using the future cost calculator with a 5% inflation rate, Genworth puts the monthly costs of long-term care at:

  • $5,259 for homemaker services
  • $5,642 for a home health aide
  • $1,793 for adult day health care
  • $4,774 for care at an assisted living facility
  • $8,390 for a semi-private room at a skilled nursing facility
  • $9,584 for a private room at a skilled nursing facility.

Residents with semi-private rooms keep annual costs just over $100,000, while residents with private rooms spend over $115,000.

Even if you don’t need as much care and can choose an assisted living facility, the annual cost is approximately $56,000, while at-home care from a home health aide can cost around $68,000.

How to Pay for the Cost of Long-Term Care in North Carolina

Many Americans deplete their entire life savings paying the costs of skilled nursing facilities, in home care, or assisted living. Long-term care insurance, Special Assistance and Medicaid are common ways to afford these types of long-term care.

Long-term care insurance can cover part of your nursing home, assisted living, or in-home care costs to reduce your expenses; however, if you already need long-term care, you may not be eligible for a long-term insurance plan.

Medicaid and Special Assistance can help pay for the cost of long-term care if you qualify under each programs’ strict income and asset limitations. With North Carolina’s lookback periods, you should begin planning for long term care with a lawyer experienced in North Carolina’s long term care benefits as soon as you can.

Protect Your Home from Medicaid Expanded Estate Recovery

While a primary residence doesn’t qualify as a countable asset for Medicaid eligibility, North Carolina can seize the home as part of its Medicaid Estate Recovery plan after you pass away. Protecting your home ensures you can leave it to a beneficiary. Ask your estate planning attorney about how to protect your home from estate recovery.

Contact an Experienced Medicaid Planning Attorney in Raleigh, NC

The nursing home cost per month in North Carolina leaves many families in debt. Plan ahead with an experienced attorney from Brady Cobin Law Group. Call today at 919-782-3500 or contact us online to schedule a consultation in Raleigh and Wake Forest, North Carolina.