Independent or Retirement Living Communities are most appropriate for those who can manage their health care needs on their own or with assistance from family or private caregivers in an apartment type setting. Independent Living does not offer health care services or assistance, but may offer a monthly meal plan, housekeeping, social activities, and transportation.
If one needs minimal assistance (medication management, for example), these services can be delivered by an outside home care agency. Some Retirement Communities are located on a campus where other levels of care are offered should one need them in the future, like Assisted Living.
Only private pay is accepted at Independent Facilities, although some are subsidized and cost substantially less then the market rate. Medicaid does not cover housing costs for Independent living. Long Term Care Insurance typically does not cover Independent Living, but may cover the cost of outside care services (home care).
◾Nutritious Meals and Activities offered
◾Maintain Independence in a social setting
◾No upkeep or utilities to manage (except personal phone and cable)