50plus Living 2022

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Devotion. Compassion. Dignity. When you or your loved one needs help, join hands with Homeland. We are privileged to offer a continuum of care options and to be part of your caregiving team. To arrange a family meeting or tour of Homeland Center— at no cost or obligation—please call us.

A CONTINUING CARE RETIREMENT COMMUNITY

1901 N 5th St., Harrisburg

717-221-7900

HomelandCenter.org

2300 Vartan Way, Harrisburg

717-221-7890

HomelandatHome.org

A Commitment to Excellence since 1867


Introduction & Contents “Change before you have to.” – Jack Welch, American business executive, chemical engineer, and writer Welcome to the 2022 edition of 50plus Living, our annual guide to housing and care options in southcentral Pennsylvania. For better or for worse, change means disruption to some degree. And while we can’t plan ahead for all the inevitable adjustments our lives will necessitate, anticipating whatever changes we can — and navigating them on our own terms — will ease the transition and lesson anxiety and stress. It is in this spirit we offer 50plus Living, an easyto-read guide offering supportive solutions for the residential and care issues that can arise after age 50. The services, programs, and facilities that follow can help you acquire home care services to stay in your current home, downsize to a more manageable house or apartment, use adult daycare services to help you balance the care of a loved one, and much more. We are fortunate to have abundant housing/ living accommodations, healthcare, and resources in our region. The 26th edition of 50plus Living — available in print and online at www.onlinepub.com — gathers this information and presents it all in a readable, concise format to help you navigate the myriad choices available to suit your changing needs or those of a loved one. In the pages that follow, the housing and care categories that compose 50plus Living are identified, explained, and presented in descending order of independence: from residential living, to personal care residences, to dementia/Alzheimer’s care facilities, to hospice services and all points in between. As we and our loved ones age, the needs for different living arrangements or additional care assistance become commonplace prospects. We sincerely hope 50plus Living helps you in your efforts to initiate those changes. Regards, Donna K. Anderson, President, On-Line Publishers www.onlinepub.com

Active Adult Communities Page 8 Assisted Living Residences Page 27 Article: Questions to Ask When Evaluating a Memory Care Program Pages 10–13 Article: Home Modifications for Independence Pages 30–32 Article: Understanding Financial Options to Pay for Long-Term Care Pages 36–38 Care Codes Pages 20, 27–29, 47 CCRCs/Life Plan Communities Pages 14–18 Dementia/Alzheimer’s Page 29 Directory of Services Pages 39–43 Home Care Services Page 34 Hospice/Palliative Care Page 35 How to Use This Guide Pages 4, 23 Index Page 46 Legend and Map Pages 22–25 Nursing/Rehab Page 28 Personal Care Homes Page 26 Reader Information Service Page 44 Residential Page 8 Retirement Communities Page 18–20 Susquehanna Valley Profile Pages 6–7 Types of Facilities, Care Options Pages 4–5

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How to Use This Guide 1. D etermine the type of need by referring to Types of Facilities, Care Options on these two pages. 2. Select the region desired on the map featured on pages 24 and 25. 3. Refer to the Index on page 46 for type of facility or care option with corresponding page number. 4. Refer to care codes on pages 20, 27-29, and 47.

Types of Facilities, Care Options A number of broad categories of care options and facilities are included in this guide. Terminology may vary from facility to facility. Residential Living is for individuals who are responsible for their own basic needs. Nursing services are not available on site nor are residential communities affiliated with nursing care providers. No meal service or activity programs are offered. Active Adult Communities are residential-type communities for mature adults only. Individuals are responsible for their own basic needs. Nursing services are generally not available on site. Meal service is not provided. Outdoor maintenance service may be provided. Continuing Care Retirement Communities/Life Plan Communities To portray the “vibrant, forward-looking nature of the contemporary senior living community,” some continuing care retirement communities have chosen to describe themselves as life plan communities. A life plan community follows the definition of a CCRC set by The National Investment Center: Age-restricted properties that include a combination of independent living, assisted living, and skilled nursing services (or independent living and skilled nursing) available to residents all on one

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campus. Resident payment plans vary and include entrance fee, condo/co-op, and rental programs. Retirement Communities are planned for those who are able to care for their own basic needs (or almost so) and choose to live in a community with other seniors. Organized social programs, meal service, transportation, recreational activities, and access to health and shopping are typical amenities. Nursing care is not usually provided. Some do offer assisted living/personal care designed for individuals who function mainly on their own but may need help with medications, bathing, or dressing. Services offered are similar to those provided by assisted living/personal care facilities. Retirement communities can be freestanding or affiliated with a complex offering nursing care services. Personal Care Homes offer food, shelter, and personal assistance or supervision. They are ideal for people who do not want to forfeit independence and do not require the services of a licensed long-term care facility but do require assistance or supervision in activities of daily living (ADL). Some ADL provided are transferring in and out of a bed or chair, toileting, bladder and bowel management, 50plus Living 2022


personal hygiene, securing and managing healthcare, self-administering medication, and proper turning and positioning in a bed or chair. Assisted Living Residences provide an environment that combines housing and supportive services to allow residents to “age in place” without having to move to a licensed long-term care facility when their care needs increase. ALRs have living units with kitchen capacity, private bathrooms, and only one person per unit. An ALR may provide services that would be provided in a long-term care facility (personal care homes may not). As of January 2011, changed regulations regarding licensure for assisted living communities became effective. Nursing/Rehab Facilities provide nursing care and related medical or other personal health services 24 hours a day, seven days a week, to individuals who require full-time care or supervision but do not need more intensive, hospitalbased care. Nursing/rehab facilities may be independent or part of another community. Individuals may be temporarily placed for rehabilitation following an illness, injury, or surgery or reside long term due to illness or aging. Nursing facilities offer skilled medical care under the supervision of licensed nurses, and at least one registered nurse must be on duty during the day. Custodial care is also offered and includes services that assist in the activities of daily living, which include bathing, dressing, using the bathroom, or transferring from a bed to a chair. Nursing centers are licensed by the State Department of Health. Acute Care Facilities are licensed as hospitals. They provide the highest level www.onlinepub.com

of care under a physician. Some services provided at an acute care facility include emergency services, critical care, medical/ surgical services, and maternal/childbirth services. Dementia/Alzheimer’s services offer assistance and support to those living with memory issues. These units/communities enable the person living with memory issues to be as independent as possible while enhancing freedom of movement in a safe, secured environment. Adult Day Centers offer programs in facilities or function as independent organizations. The services may include but are not limited to personal care; assistance with eating, using the toilet, and taking medication; and social assistance. Centers offer a protective, supervised setting and generally operate during normal business hours. Respite Care provides caregiving opportunities on a short-term basis. Care may range from personal to nursing care. Home Care Services may be provided in a residential setting or as ancillary services, such as in personal care, assisted living, or nursing care environments. Services include skilled nursing services, therapies, and changing and reinforcing simple wound dressing, as well as nonmedical services, such as light housekeeping, transportation to doctor visits, shopping, respite, and more. Hospice Care is for families living and coping with life-limiting illnesses and provides professional treatment of pain and symptom management with support and counseling for medical, psychological, and spiritual needs. Palliative Care also focuses on providing relief from the symptoms and stress of serious illness but, unlike hospice, can be provided along with curative treatment.

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Susquehanna Valley Profile Weather Average high temperatures are the 80s in the summer months and the 30s in the winter. The warmest month is July, with an average maximum temperature of 85 degrees. The coldest month is January, with an average minimum temperature of 20-23 degrees. Average annual precipitation is 41-47 inches.

Taxes Sales tax is 6%. Sales tax exemptions include groceries, health-related items, medical services, prescription drugs, and groceries. State income tax is 3.07%; retirement income is tax-exempt. Property tax is determined by the local government according to school districts and municipalities.

State Lottery Benefits The Pennsylvania Lottery contributes to programs such as Property Tax/Rent Rebate; the Mass Transit Program; PACE, PACENET, and PACE Plus Medicare; long-term care services administered by the Department of Public Welfare; and the 52 Area Agencies on Aging.

PACE To be eligible for PACE, you must be 65 years of age or older and a Pennsylvania resident at least 90 days before the date of application. You cannot be enrolled in the Department of Public Welfare’s Medicaid prescription benefit.

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PACE and PACENET eligibility is determined by your previous calendar year’s income. Effective in 2014, Social Security Medicare Part B premiums are excluded from income. For a single person, your total income must be $14,500 or less. For a married couple, your combined total income must be $17,700 or less. Once you are enrolled in the PACE program, a benefit card will be sent to you, and you will pay no more than $6 for each generic prescription medication and no more than $9 for each brandname prescription at your pharmacy. These co-payments are based on a 30-day supply.

PACENET To be eligible for PACENET, you must be 65 years of age or older, a Pennsylvania resident at least 90 days before the date of application, and you must not be enrolled in the Medicaid prescription benefit program. A single person’s total income must be between $14,500 and $27,500. A couple’s combined total income must be between $17,700 and $35,500. PACENET cardholders that do not enroll in a Part D plan will pay a nominal deductible each month at the pharmacy, which will be calculated through the cost of their medications. If the deductible is not met each month, it will accumulate. In addition, the individual will pay no more than $8 for each generic prescription medication and no more than $15 for each brand name. 50plus Living 2022


Susquehanna Valley Profile PACENET cardholders enrolled in one of the program’s partner Part D plans will pay the Part D premium at the pharmacy each month, which will be calculated through the cost of the medications. PACENET cardholders enrolled in a Part D plan that is not one of the program’s partner plans will pay the Part D premium directly to the Part D plan. In addition, they will pay no more than the PACENET co-payments of $8 for each generic prescription medication and $15 for each brand name. To apply for PACE or PACENET, call (800) 225-7223 or visit the PACECares website at https://pacecares. magellanhealth.com.

PACE Plus Medicare Under PACE Plus Medicare, PACE/ PACENET coverage is supplemented by federal Medicare Part D prescription coverage and offers older Pennsylvanians the best benefits of both programs. Older adults continue to receive the same prescription benefits while, in many cases, saving more money.

Transportation Pennsylvania Free Transit Program – Provides free transit service on bus routes, trolley, and rapid-transit lines. Individuals 65 and older may ride free on fixed-route services at all regular operating times on weekdays, weekends, and holidays. You will need a senior citizen transit identification card to ride free. The identification card is available free of

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charge from participating local transit operators. Shared-Ride Program – Provides reduced-fare transportation services to persons 65 and older utilizing shared-ride transportation services. Reduced-fare transportation is provided to medical appointments, senior community centers, and adult daycare centers. Mature Driver Safety Program – There is a mandated auto insurance discount for older drivers who complete a mature driver improvement course. Courses are offered through AARP, AAA, and the National Safety Council. It is intended for drivers 55 and older. Low-Vision License – Persons who do not meet the vision standards for a driver’s license may qualify for a restricted (lowvision) license. A restricted license allows the driver to drive during daylight hours on roadways other than freeways. A person with visual acuity of less than 20/70 combined vision, but at least 20/100 combined vision with best correction and 120 degrees’ field vision in the horizontal meridian, may qualify with a recommendation from an optometrist or physician. Retired Status Registration – Customers who qualify for retired status registration pay a $10 per year processing fee instead of the full $36 registration renewal fee. Total income must not exceed $19,200 and vehicles must weigh less than 9,000 lbs.

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Residential Community basics, Inc. 941 Wheatland Avenue, Suite 204 Lancaster, PA 17603 (717) 735-9590 jraff@communitybasics.com www.communitybasics.com

AAC, APT, RET/IND, SSA

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Cumberland County Housing and Redevelopment Authorities 114 North Hanover Street Carlisle, PA 17013 (717) 249-1315 www.cchra.com Locations in Carlisle, Enola, Mechanicsburg, Mt. Holly Springs, New Cumberland, Newville, and South Middleton Township APT, SSA 1,3,6,7,10,11,18,20,25,34,35

Community Basics, Inc., a nonprofit, affordable housing provider, has several communities for persons age 55 and older. All communities are accessible and include community rooms, an onsite laundry facility, and parking. Most apartment rents include all utilities. Some supportive services available. Stay independent as long as you can! Call today to set up a personal showing at the community of your choice. Equal housing opportunity. The Authorities offer affordable living for seniors 62 or older. Efficiency, one- and twobedrooms, as well as accessible apartments are available in 11 locations in both Cumberland and Perry counties. Buildings are safe, secure, and elevator assisted, each with 24-hour on-call maintenance, laundry facilities, community room, and opportunities for activities and socialization. Medical facilities, restaurants, shopping, and churches nearby. Call us, visit our website, or write us for information and income limits.

Active Adult Communities Kindred Place 1 Kindred Place Annville, PA 17003 (717) 867-5572 4700 Oakhurst Boulevard Harrisburg, PA 17110 (717) 657-7900 www.ucc-homes.org See our ad on the back page

2022

AAC, APT, HOME, SSA

Kindred Place, a program of service sponsored by United Church of Christ Homes, offers comfortable living, financial flexibility, personalized support services, and security in your future. No entrance fee required. Onsite home health agency with no hourly minimum and low rates. You’ll discover welcoming neighbors in a nicely tucked-away location that’s close to metropolitan opportunities and where a unique type of caring supports your independent spirit. Call today for a private tour at a location near you! 14,15

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Questions to Ask When Evaluating a Memory Care Program By Laura Gifford If you’re seeking care for a loved one dealing with Alzheimer’s or another form of memory loss, you may be feeling overwhelmed with all of the choices and unsure where to start. Memory care is a complex area. Not every senior living facility offers this specialized service. However, a dedicated memory care program can help someone with Alzheimer’s or dementia thrive through specialty training and brain fitness. Since people living with memory loss have unique needs, you’ll need to advocate for your loved one to be sure they receive the appropriate level of care. Here is a list of questions to ask as you are evaluating different options.

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50plus Living 2022


What Security Measures Do You Have in Place? Your loved one’s safety is a top priority. In fact, it’s probably one of the main factors driving your decision to look for a senior living facility. A dedicated memory care unit should have entrances and exits that remain locked or open to a secure courtyard. This prevents dangerous wandering. Another critical safety feature is providing residents with emergency call pendants. These devices allow individuals to get help in the event of a fall or accident. Many senior living communities also have registered nurses on site or on call 24 hours a day. What Type of Training Has Your Staff Received? Staffing is another high-priority item. The people working with your loved one on a daily basis should be highly skilled, professional, and compassionate. Memory care requires additional training beyond a typical senior care role. Employees need to know how to communicate appropriately with individuals living with memory loss. They should also receive and maintain specialty training to cue daily tasks and assure the trust and comfort of your loved one. Also ask about staff-to-resident ratio. The community should have enough team members to give your loved one the individualized attention they need.

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What Activities Are Offered? Socialization is just as important as your loved one’s care needs. Ask about the community’s activity programs and how individuals with memory loss are accommodated. Those living with memory loss should receive specialized programming for their needs. People living with dementia can get overwhelmed by sensory input or become agitated. Ask how these situations are handled. You want to be sure your loved one can participate in a variety of activities while also having their needs addressed. How Do You Develop a Resident’s Care Plan? Individual needs differ, so most senior living communities develop a customized care plan for your loved one. Inquire about that process. Who is involved in creating the plan? Can family members provide input? Are plans regularly evaluated and updated as needed? Can the facility accommodate additional care needs or medical needs? Depending on your loved one’s medical condition, you may need to seek care at a skilled nursing facility (nursing home). However, dedicated memory care facilities are often the best option for people with dementia. These communities are specifically designed to assist individuals with memory loss while maintaining independence and living in a homelike environment. What is Your Approach to Care? There are many different approaches to memory care. You’ll want to learn more about a community’s specific approach and the different types of interventions it uses. Some common ones include: • Brain fitness exercises • Physical fitness programs • Art therapy • Music therapy • Pet therapy • Aromatherapy • Cognitive stimulation appropriate to the individual’s abilities; this may include things like puzzles, trivia, and matching games 12

50plus Living 2022


There are specialized training programs that are recommended, such as Positive Approach to Care, Validation Method, and more. What is Your Facility’s Inspection Record? Licensed assisted living senior living facilities in Pennsylvania are evaluated by the Department of Human Services each year. Inspectors are trained to evaluate over 400 areas, including: • The quality of care and amount of time given to each resident • Safety protocols • Staff training • How well the facility is maintained You can access these inspection reports for assisted living and personal care homes from the Pennsylvania Human Services Provider Directory (www. humanservices.state.pa.us/human_service_provider_directory). If you want to view a nursing home’s survey results, visit the Pennsylvania Department of Health website (www.health.state.pa.us/surveysposted). Look for any major violations or a consistent pattern of repeat violations. There are many other details you will consider as you search for memory care, from the dining program to onsite amenities. However, these questions are the most important ones to ask. You want your loved one to be healthy, safe, and living up to their full potential. A good senior living community helps individuals with memory loss thrive. Laura Gifford is the director of marketing and communications at Providence Place Senior Living, a personal care and assisted living organization that offers two stages of memory care for dementia and Alzheimer’s residents (providence-place.com/ senior-living-services/memory-care). Providence Place is a family-owned and operated company that manages seven communities throughout Pennsylvania.

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CCRCs/Life Plan Communities Bethany Village 325 Wesley Drive Mechanicsburg, PA 17055 (717) 766-0279 www.BethanyVillage.org See our ad on page 18

Bethany Village is a not-for-profit retirement community for people 55 and better. Numerous residential living options are available, ranging from charming, onebedroom apartments to estate homes. Residents enjoy the convenience of having on-site amenities, such as a fitness center with an indoor pool and whirlpool, restaurant, café, miniature golf course, library, pharmacy, beauty/barber shop, and so much more!

ALR, ALZ, APT, CCRC, RET/IND, RSP, SNF, SUB, WSS, *** 2 Ephrata Manor 99 Bethany Road Ephrata, PA 17522 (717) 738-4940 (717) 738-7478 – Fax www.ucc-homes.org See our ad on the back page

ALZ, APT, CCRC, PCH, RET/IND, RHB, SNF, SSA, WSS, *** 8

Ephrata Manor, a program of service sponsored by United Church of Christ Homes, provides a full range of services to meet the needs of most seniors, including independent living, personal care, and skilled nursing care with no entrance fees or life payments required. Our skilled nursing and rehabilitation center is Medicare/Medicaid certified. Honoring the uniqueness of each person, residents receive individualized care and attention based on specific needs, preferences, and interests. Come join our family at Ephrata Manor!

HOMELAND CENTER 1901 North Fifth Street Harrisburg, PA 17102 (717) 221-7902 www.homelandcenter.org See our ad on page 2

A CCRC, Homeland Center is a place of beauty and caring. Chartered in 1867, Homeland is the area’s oldest healthcare provider. Personal care suites combine the charm of past eras with contemporary convenience. Skilled nursing, hospice, and rehabilitation are available, as are short-term rehab and specialized dementia care. Residents and their families enjoy the beauty of numerous secure, private courtyards. A full complement of highly competent clinical staff meets residents’ medical LeadingAge & LeadingAge PA Member and social needs. Spiritual care is provided by local volunteer clergy, priests, and rabbis. ALZ, CCRC, HOS, PCH, RET/IND, RHB, RSP, SNF, SSA, WSS, *** 12 the Campus of the Jewish Home 4000 Linglestown Road Harrisburg, PA 17112 (717) 657-0700 www.jewishhomeharrisburg.org See our ad on page 15

The Campus of the Jewish Home is a continuing care retirement community that welcomes people of all faiths. We provide a continuum of services, including independent living, personal care, skilled nursing, and rehabilitation. In addition, we offer a safe and secured specialty care unit for individuals with various levels of cognitive impairment. The Campus is located in a beautiful, serene atmosphere with easy access to highways, shops, and local area ALZ, APT, CCRC, PCH, RET/IND, RHB, RSP, SNF, SUB, WSS, *** 13 attractions. Visit our website for more information.

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50plus Living 2022


CCRCs/Life Plan Communities The Lebanon Valley Home 550 East Main Street Annville, PA 17003 (717) 867-4467 (717) 867-7060 – Fax www.ucc-homes.org See our ad on the back page

ALZ, CCRC, PCH, RET/IND, RHB, SNF, SSA, WSS, *** 16 Spiritrust lutheran, the village at gettysburg 1075 Old Harrisburg Road Gettysburg, PA 17325 (717) 334-4443 www.spiritrustlutheran.org See our ad on page 16

The Lebanon Valley Home, a program of service sponsored by United Church of Christ Homes, provides a full range of services to meet the needs of most seniors, including independent living, personal care, and skilled nursing care, with no entrance fees or life payments required. Our skilled nursing and rehabilitation center is Medicare/Medicaid certified. Honoring the uniqueness of each person, residents receive individualized care and attention based on specific needs, preferences, and interests. Come join our family at The Lebanon Valley Home!

The Village at Gettysburg, one of SpiriTrust Lutheran’s six retirement communities, provides maintenance-free living options, including cottages, apartments, personal care, skilled nursing care, and rehabilitation services in a historic setting. Walking paths, fitness room, library, social programs, hair salon, Cannon’s Corner Café, and gardening area are a few of the amenities available. Enjoy the faith-based, not-for-profit difference and make living in historic Gettysburg part of your history.

APT, CCRC, PCH, RET/IND, RSP, SNF, SSA, *** 27

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retirement

What’s your plan? Create your dream home

Cook only when you want Expand your horizons

Discover new passions

Your life. Your plan. Your community. At SpiriTrust Lutheran®’s six Life Plan Communities, you can find continued growth opportunities with Spirit360TM, a lifestyle filled with flexibility and choice, a variety of sought-after services, and no maintenance. You’ll also secure a plan for any future care needs delivered where you want to receive them. Come discover a place where “planning” and “living” merge and allow for living life to the fullest!

And say goodbye to one of these • The Village at Gettysburg Gettysburg, PA | 717-334-4443 • The Village at Kelly Drive York, PA | 717-854-5010 • The Village at Luther Ridge Chambersburg, PA | 717-261-1251 • The Village at Shrewsbury Shrewsbury, PA | 717-235-5737 • The Village at Sprenkle Drive York, PA | 717-767-0579 • The Village at Utz Terrace Hanover, PA | 717-646-2420 • SpiriTrust Lutheran Home Care & Hospice 855-211-0688

Residential Living Cottages & Apartments • Assisted Living Personal Care • Memory Support Care • Long-Term Skilled Care Short-Term Rehabilitation • Home Care & Hospice

www.SpiriTrustLutheran.org

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Pet Friendly

50plus Living 2021


CCRCs/Life Plan Communities Spiritrust lutheran, The Village at Kelly Drive 750 Kelly Drive York, PA 17404 (717) 854-5010 www.spiritrustlutheran.org See our ad on page 16

The Village at Kelly Drive, one of SpiriTrust Lutheran’s six retirement communities, provides maintenance-free living options, including cottages, apartments, and personal care. Classic brick ranch homes, personalized with your selections from our “new” Decorator Dollar Program, are situated in a park-like setting of mature trees and benches. Enjoy the faith-based, not-for-profit difference and convenience of a great York location. If you have lived in York all your life, why leave?

APT, CCRC, PCH, RET/IND, RSP, SSA 28 Spiritrust lutheran, The Village at Luther Ridge 2998 Luther Drive Chambersburg, PA 17202 (717) 261-1251 www.spiritrustlutheran.org See our ad on page 16

CCRC, PCH, RET/IND, RSP, SNF, SSA 29 Spiritrust lutheran, The Village at Shrewsbury 800 Bollinger Drive Shrewsbury, PA 17361 (717) 235-5737 www.spiritrustlutheran.org See our ad on page 16

CCRC, PCH, RET/IND, RSP, SNF, SSA, *** 30 Spiritrust lutheran, The Village at Sprenkle Drive 1802 Folkemer Circle York, PA 17404 (717) 767-0579 www.spiritrustlutheran.org See our ad on page 16 ALR, ALZ, APT, CCRC, RET/IND, RSP, SNF, SSA, *** 31 www.onlinepub.com

The Village at Luther Ridge, one of SpiriTrust Lutheran’s six retirement communities, provides maintenance-free living in several cottage floor plans, assistive living services in the personal care residence, and skilled nursing care and rehabilitation services. Our onsite home care office is ready to offer you support and care in the comfort of your very own home. Luther Ridge’s location offers a pastoral setting at the base of South Mountain with stunning seasonal views, yet is within a few miles of Interstate 81.

Part of SpiriTrust Lutheran’s family of senior living communities, The Village at Shrewsbury is one of the area’s best-kept secrets around. Set within walking distance of the town library, YMCA, post office, drugstore, convenience store, and even a doctor’s office, residents are afforded the frequent opportunity to engage in the greater community at large. Should healthcare needs arise, personal care suites and a skilled nursing center with rehabilitation services are also located on campus. Located only a few miles from the Maryland/Pennsylvania border. The Village at Sprenkle Drive, with its contemporary, open cottage floor plans, is conveniently located in York, close to the area’s “big-city” offerings and cultural attractions. Assisted living, memory support care, skilled nursing, maintenance services, coffee shop, and restaurant provide peace of mind and convenient living. And as one of SpiriTrust Lutheran’s six retirement communities, you can count on our heritage of providing exceptional senior living. Call today to schedule a personal appointment.

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Spiritrust lutheran, The Village at Utz Terrace 2100 Utz Terrace Hanover, PA 17331 (717) 637-0633 www.spiritrustlutheran.org See our ad on page 16

APT, CCRC, PCH, RET/IND, RSP, SNF, SSA, *** 32

At the Village at Utz Terrace, you can enjoy all the perks of a new home plus maintenance-free living without having to worry about future healthcare, as personal care, skilled nursing care, and rehabilitation services are also on campus. Walking paths, fitness room, library, social programs, hair salon, café, restaurant, and a dog park are a few of the amenities available. Whether you are looking for single-level living or the convenience of apartment living and not having to brave the elements, call us today. Enjoy the faith-based, not-for-profit difference!

Retirement Communities Bethany Village 325 Wesley Drive Mechanicsburg, PA 17055 (717) 766-0279 www.BethanyVillage.org See our ad on page this page

Bethany Village is a not-for-profit retirement community for people 55 and better. Numerous residential living options are available, ranging from charming, onebedroom apartments to estate homes. Residents enjoy the convenience of having on-site amenities, such as a fitness center with an indoor pool and whirlpool, restaurant, café, miniature golf course, library, pharmacy, beauty/barber shop, and so much more!

ALR, ALZ, APT, CCRC, RET/IND, RSP, SNF, SUB, WSS, *** 2

Welcome to Our Neighborhood. More Support, More Fellowship, More Peace of Mind for Whatever Life Brings Your Way.

Call 717-766-0279 today!

325 Wesley Drive Mechanicsburg, PA BethanyVillage.org

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Retirement Communities DIAKON LUTHERAN Senior Living Communities, Cumberland Crossings 1 Longsdorf Way Carlisle, PA 17015 (717) 240-6013 www.Cumberland CrossingsSeniorLiving.org See our ad on this page AAC, ACF, ALZ, APT, CCRC, PAL, PCH, RET/IND, RHB, RSP, SNF, SSA, SUB, WSS, *, **, *** 4 DIAKON LUTHERAN Senior Living Communities, Frey Village 1020 North Union Street Middletown, PA 17057 (717) 930-1201 www.FreyVillageSeniorLiving.org See our ad on this page AAC, ACF, ALZ, CCRC, PAL, PCH, RET/IND, RHB, RSP, SNF, SSA, SUB, WSS, *, **, *** 5

Located in the heart of Central Pennsylvania’s Cumberland Valley is a community filled with enthusiasm and energy, providing endless opportunities to a vibrant lifestyle. Our residents enjoy a variety of well-designed homes and a lifestyle that is truly worry-free. Life at our community is filled with ways to connect with friends, improve your health and engage your passions. Cumberland Crossings is a continuing care retirement community, offering a full range of options.

Situated on a beautiful campus in Middletown, Pennsylvania, is a community filled with activity, energy, and connections. Frey Village is a CCRC (continuing care retirement community) that offers plenty of opportunities to enjoy friendships, improve your health, and nurture your passions. Our cheerful and sophisticated residents enjoy a variety of well-designed apartment homes and a lifestyle that is truly worry-free.

Diakon Senior Living Independent Living | Personal Care | Skilled Nursing Care | Memory Care | Rehabilitation | Respite

Cumberland Crossings & Frey Village offer you the retirement lifestyle you deserve! Our communities are vibrant and friendly, providing countless options for leading an active, fulfilling lifestyle. Here, you have it all ... A beautiful, maintenance-free home. Carefree living. Opportunities for personal growth. And the security of future health-care services right on-site. Call now to learn why our residents are so fond of saying,

“This is the Way to Live!”

(717) 240-6013

(717) 930-1201

1 Longsdorf Way • Carlisle, PA 17015 www.CumberlandCrossingsSeniorLiving.org

1020 North Union Street • Middletown, PA 17057 www.FreyVillageSeniorLiving.org

Diakon Senior Living Communities focus on healthy, safe environments. Diakon does not discriminate in admissions, the provision of services, or referrals of clients on the basis of race, color, creed, religion, sex, national origin, sexual orientation, age, marital status, veteran status, disability or any other classes protected by law.

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Retirement Communities Harrison House Chester County 300 Strode Avenue East Fallowfield, PA 19320 (610) 384-6310 info@harrisonseniorliving.com www.HarrisonSeniorLiving.com See our ad on page 45 ALZ, HOS, PCH, RET/IND, RSP, SSA

Harrison Senior Living has been providing independent living at an affordable price for 50 years! Enjoy newly renovated common spaces and apartments! Life is exciting at Harrison House with engaging activities, delicious meals, and friendly staff available 24 hours per day. Harrison House Chester County is family owned and operated and is an equal housing opportunity as well as a handicap-accessible and pet-friendly community.

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Care Codes

P.O. Box 8049, Lancaster, PA 17604 • (717) 285-1350 • www.onlinepub.com

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AAC – Active Adult Community (Age Restricted); ACF – Acute Care Facility; ADC – Adult Day Center ALR – Assisted Living Residence/Unit; ALZ – Alzheimer’s and Dementia-Related Diagnoses APT – Apartments; CCRC – Continuing Care Retirement Community; HOME – Home Care Services HOS – Hospice Care; PAL – Palliative Care; PCH – Personal Care Home/Unit RET/IND – Retirement/ Independent Living; RHB – Rehabilitation Unit; RSP – Respite Care SNF – Skilled Nursing Facility; SSA – Supportive Services Available; SUB – Sub-Acute Care WSS – Wandering Security System; * – Medicaid Facility; ** – Medicare Facility *** – Medicaid and Medicare Facility; NP – Non-Participating in Medicaid or Medicare 50plus Living 2022


Let’s Safely Come Together Again Face-to-Face!

Caregiving • Finances • Health & Wellness • Home Improvements Leisure Activities • Nutrition • Retirement Living • Technology and more! 23rd Annual

23rd Annual

Dauphin County

Lancaster County (Spring)

April 28, 2022

May 4, 2022

Hershey Lodge 325 University Drive, Hershey

Wyndham Resort (Formerly Lancaster Host) 2300 Lincoln Highway East, Lancaster

18th Annual

26th Annual

Chester County

Lancaster County (Fall)

June 8, 2022

Sept. 21, 2022

Church Farm School 1001 East Lincoln Highway, Exton

Spooky Nook Sports 2913 Spooky Nook Road, Manheim

20th Annual

23rd Annual

York County

Cumberland County

Sept. 28, 2022

Oct. 12, 2022

York Expo Center • Memorial Hall East 334 Carlisle Ave., York

Carlisle Expo Center 100 K St., Carlisle

50plusExpoPA.com Sponsor & Exhibitor Opportunities Available! (717) 285-1350


Map Legend 1. American House Apartments – CCHRA

16. The Lebanon Valley Home – United Church of Christ Homes

2. Bethany Village

17. Marietta Senior Apartments – Community Basics, Inc.

3. Chestnut Commons – CCHRA 4. Diakon Lutheran Senior Living Communities, Cumberland Crossings 5. Diakon Lutheran Senior Living Communities, Frey Village 6. East Gate Apartments – CCHRA 7. Enola Commons – CCHRA 8. Ephrata Manor – United Church of Christ Homes 9. Harrison House Chester County 10. Historic Iroquois Hotel Senior Apartments – CCHRA 11. Historic Molly Pitcher Apartments – CCHRA 12. Homeland Center 13. The Campus of the Jewish Home 14. Kindred Place at Annville – United Church of Christ Homes 15. Kindred Place at Harrisburg – United Church of Christ Homes

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18. Mountain View Apartments – CCHRA 19. Nissly Chocolate Factory Apartments – Community Basics, Inc. 20. One West Penn Apartments – CCHRA 21. Park Avenue Apartments – Community Basics, Inc. 22. Providence Place Senior Living of Chambersburg 23. Providence Place Senior Living of Dover 24. Providence Place Senior Living of Lancaster 25. Roundhouse View Apartments – CCHRA 26. Sarah A. Todd Memorial Home – United Church of Christ Homes 27. SpiriTrust Lutheran, The Village at Gettysburg 28. SpiriTrust Lutheran, The Village at Kelly Drive

50plus Living 2021


Map Legend 29. SpiriTrust Lutheran, The Village at Luther Ridge

33. Thornwald Home – United Church of Christ Homes

30. SpiriTrust Lutheran, The Village at Shrewsbury

34. Two West Penn Apartments – CCHRA

31. SpiriTrust Lutheran, The Village at Sprenkle Drive

35. Valley Ridge Apartments – CCHRA

32. SpiriTrust Lutheran, The Village at Utz Terrace

How To Use This Guide 1. D etermine the type of need by referring to Types of Facilities, Care Options on pages 4 and 5. 2. Select the region desired on the map featured on pages 24 and 25. 3. R efer to the Index on page 46 for type of facility or care option with corresponding page number. 4. Refer to care codes on pages 20, 27-29, and 47.

View 50plus Living online! Please visit www.onlinepub.com to view this guide’s content in our interactive online edition.

www.onlinepub.com

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Geographic Locations Refer to legend on pages 22 and 23.

13 15 25 7 2 20 18

1614

12 10

1

2633 34 11 4 35 3

5 19

6

23

29

17 31 28

22 27 32

30

Map is not drawn to scale and is intended for use as a general reference only.

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50plus Living 2022


8

21 24 9

www.onlinepub.com

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Personal Care Homes Harrison House Chester County 300 Strode Avenue East Fallowfield, PA 19320 info@harrisonseniorliving.com www.HarrisonSeniorLiving.com See our ad on page 45

APT, HOS, PCH, RET/IND, RSP, SSA

Harrison Senior Living has been providing personal care at an affordable price for 50 years! Resident needs are met by licensed nurses 24 hours a day. Enjoy newly renovated common spaces! Life is exciting at Harrison House with engaging activities and delicious meals! Harrison House Chester County is family owned and operated and an equal housing opportunity as well as a handicap-accessible and pet-friendly community.

H

9

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the Campus of the Jewish Home 4004 Linglestown Road Harrisburg, PA 17112 (717) 441-8880 www.jewishhomeharrisburg.org See our ad on page 15

On The Campus of the Jewish Home, The Residence is an all-inclusive luxury apartment building that provides carefree living for seniors. There are a variety of apartment options to choose from, including companion suites, studios, and one- and two-bedroom apartments. Our residents can receive assistance with various task, such as medications, bathing, dressing, and more, all while maintaining their independent lifestyles. Visit www. ALZ, APT, CCRC, PCH, RET/IND, RSP, WSS, NP 13 jewishhomeharrisburg.org for more information.

Responding to the Needs of Americans 60 and Over

Advocacy. Action. Answers on Aging. Chester County 610.344.6350

Dauphin County 717.780.6130

Lebanon County 717.273.9262

Cumberland County 717.240.6110

Lancaster County 717.299.7979

York County 717.771.9610

www.p4a.org Contact your local agency for assistance 26

50plus Living 2022


Assisted Living Residences PROvidence Place Senior Living of Chambersburg 2085 Wayne Road Chambersburg, PA 17202 (717) 709-0668 info@prov-place.com www.Providence-Place.com See our ad on page 9

ALR, ALZ, RET/IND, WSS

Providence Place Senior Living is a local, family-owned company founded in 1998 by former Pennsylvania governor George Leader. Our mission is to enhance the quality of life for our residents through vibrant programs and exceptional service at an affordable rate. We offer independent living, assisted living, and two levels of memory support at each of our seven campuses across Pennsylvania. 22

PROvidence Place Senior Living of Dover 3377 Fox Run Road Dover, PA 17315 (717) 767-4500 info@prov-place.com www.Providence-Place.com See our ad on page 9 ALR, ALZ, APT, PCH, RET/IND, RSP

Providence Place Senior Living is a local, family-owned company founded in 1998 by former Pennsylvania governor George Leader. Our mission is to enhance the quality of life for our residents through vibrant programs and exceptional service at an affordable rate. We offer independent living, assisted living, and two levels of memory support at each of our seven campuses across Pennsylvania. 23

PROvidence Place Senior Living of Lancaster 1380 Elm Avenue Lancaster, PA 17603 (717) 392-4100 info@prov-place.com www.Providence-Place.com See our ad on page 9

Care Codes

ALR, ALZ, RET/IND, WSS

Providence Place Senior Living is a local, family-owned company founded in 1998 by former Pennsylvania governor George Leader. Our mission is to enhance the quality of life for our residents through vibrant programs and exceptional service at an affordable rate. We offer independent living, assisted living, and two levels of memory support at each of our seven campuses across Pennsylvania. 24

AAC – Active Adult Community (Age Restricted); ACF – Acute Care Facility; ADC – Adult Day Center ALR – Assisted Living Residence/Unit; ALZ – Alzheimer’s and Dementia-Related Diagnoses APT – Apartments; CCRC – Continuing Care Retirement Community; HOME – Home Care Services HOS – Hospice Care; PAL – Palliative Care; PCH – Personal Care Home/Unit RET/IND – Retirement/ Independent Living; RHB – Rehabilitation Unit; RSP – Respite Care SNF – Skilled Nursing Facility; SSA – Supportive Services Available; SUB – Sub-Acute Care WSS – Wandering Security System; * – Medicaid Facility; ** – Medicare Facility *** – Medicaid and Medicare Facility; NP – Non-Participating in Medicaid or Medicare

www.onlinepub.com

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Nursing/Rehab the Campus of the Jewish Home 4000 Linglestown Road Harrisburg, PA 17112 (717) 657-0700 www.jewishhomeharrisburg.org See our ad on page 15

On The Campus of the Jewish Home, our skilled nursing care center has been servicing the community for more than 40 years and has an excellent reputation for skilled nursing services and rehabilitation. We provide long-term skilled nursing care in a comfortable, homelike environment for seniors who require a higher level of care, as well as short-term rehab services to aid individuals with safely returning back to ALZ, CCRC, RHB, RSP, SNF, SUB, their homes. Visit www.jewishhomeharrisburg.org for WSS, *** 13 more information. Sarah A. Todd Memorial Home 1000 West South Street Carlisle, PA 17013 (717) 245-2187 (717) 245-9733 – Fax www.ucc-homes.org See our ad on the back page ALZ, APT, RET/IND, RHB, SNF, SSA, ***

Sarah A. Todd Memorial Home, a program of service sponsored by United Church of Christ Homes, provides independent cottages and apartments and skilled nursing care with no entrance fees or life payments required. Our skilled nursing and rehabilitation center is Medicare/ Medicaid certified. Services in place enhance personal dignity and independence. Honoring the uniqueness of each person, residents receive individualized care and attention based on specific needs, preferences, and interests. Come join our family at Sarah A. Todd Memorial Home! 26

Thornwald Home 442 Walnut Bottom Road Carlisle, PA 17013 (717) 249-4118 (717) 249-8906 – Fax www.ucc-homes.org See our ad on the back page

Care Codes

ALZ, PCH, RHB, SNF, SSA, WSS, ***

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Thornwald Home, a program of service sponsored by United Church of Christ Homes, provides personal and skilled nursing care with no entrance fees or life payments required. Our skilled nursing and rehabilitation center is Medicare/ Medicaid certified. Services in place enhance personal dignity and independence. Honoring the uniqueness of each person, residents receive individualized care and attention based on specific needs, preferences, and interests. Come join our family at Thornwald Home! 33

AAC – Active Adult Community (Age Restricted); ACF – Acute Care Facility; ADC – Adult Day Center ALR – Assisted Living Residence/Unit; ALZ – Alzheimer’s and Dementia-Related Diagnoses APT – Apartments; CCRC – Continuing Care Retirement Community; HOME – Home Care Services HOS – Hospice Care; PAL – Palliative Care; PCH – Personal Care Home/Unit RET/IND – Retirement/ Independent Living; RHB – Rehabilitation Unit; RSP – Respite Care SNF – Skilled Nursing Facility; SSA – Supportive Services Available; SUB – Sub-Acute Care WSS – Wandering Security System; * – Medicaid Facility; ** – Medicare Facility *** – Medicaid and Medicare Facility; NP – Non-Participating in Medicaid or Medicare 50plus Living 2022


Dementia/Alzheimer’s PROvidence Place Senior Living of Chambersburg 2085 Wayne Road Chambersburg, PA 17202 (717) 709-0668 info@prov-place.com www.Providence-Place.com See our ad on page 9

ALR, ALZ, RET/IND, WSS

Providence Place Senior Living is a local, family-owned company founded in 1998 by former Pennsylvania governor George Leader. Our mission is to enhance the quality of life for our residents through vibrant programs and exceptional service at an affordable rate. We offer independent living, assisted living, and two levels of memory support at each of our seven campuses across Pennsylvania. 22

PROvidence Place Senior Living of Dover 3377 Fox Run Road Dover, PA 17315 (717) 767-4500 info@prov-place.com www.Providence-Place.com See our ad on page 9 ALR, ALZ, APT, PCH, RET/IND, RSP

Providence Place Senior Living is a local, family-owned company founded in 1998 by former Pennsylvania governor George Leader. Our mission is to enhance the quality of life for our residents through vibrant programs and exceptional service at an affordable rate. We offer independent living, assisted living, and two levels of memory support at each of our seven campuses across Pennsylvania. 23

PROvidence Place Senior Living of Lancaster 1380 Elm Avenue Lancaster, PA 17603 (717) 392-4100 info@prov-place.com www.Providence-Place.com See our ad on page 9

Care Codes

ALR, ALZ, RET/IND, WSS

Providence Place Senior Living is a local, family-owned company founded in 1998 by former Pennsylvania governor George Leader. Our mission is to enhance the quality of life for our residents through vibrant programs and exceptional service at an affordable rate. We offer independent living, assisted living, and two levels of memory support at each of our seven campuses across Pennsylvania. 24

AAC – Active Adult Community (Age Restricted); ACF – Acute Care Facility; ADC – Adult Day Center ALR – Assisted Living Residence/Unit; ALZ – Alzheimer’s and Dementia-Related Diagnoses APT – Apartments; CCRC – Continuing Care Retirement Community; HOME – Home Care Services HOS – Hospice Care; PAL – Palliative Care; PCH – Personal Care Home/Unit RET/IND – Retirement/ Independent Living; RHB – Rehabilitation Unit; RSP – Respite Care SNF – Skilled Nursing Facility; SSA – Supportive Services Available; SUB – Sub-Acute Care WSS – Wandering Security System; * – Medicaid Facility; ** – Medicare Facility *** – Medicaid and Medicare Facility; NP – Non-Participating in Medicaid or Medicare

www.onlinepub.com

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Home Modifications for Independence Being safe and comfortable at home is a large part of living well. Home modifications and repairs can help everyone prevent accidents and maintain an independent lifestyle, especially older adults and people with disabilities. Many older adults prefer to live in their own homes for as long as possible but too often don’t think about whether a home can adapt to their needs as they age. Making improvements before they are needed is a good way to ensure a home is ready for aging in place. Forward-thinking improvements can also prevent falls, which often result in the need for long-term care. Changes can be made to improve both the accessibility and adaptability of a home. Accessibility improvements involve tasks like widening doorways and lowering countertop heights for someone who uses a wheelchair. Adaptability changes, such as adding grab bars in bathrooms, are improvements made to assist people for whom strength and balance may have become a challenge. These changes usually can be made without a major redesign or full-blown renovation. You can get started making your home ready for long-term living by conducting a top-to-bottom assessment. 30

50plus Living 2021


1 in 5 Adults is a Caregiver. Find All the Local Products and Services You Need for Your Journey.

Features: • Informative Articles • Directory of Providers • Ancillary and Support Services

View the 2021 edition online at www.BusinessWomanPA.com www.onlinepub.com

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Home Assessment Before making any changes, look at the entire home. Keep in mind items that may be needed now as well as in the future. This checklist can help identify areas that might need improvement. Everyone has different needs, but in general, a “no” answer may be cause for action. • A re exterior walkways and entrances well lit? • Is there a step-free entrance to the home? • A re entrance doors easy to lock, unlock, open, and close? • Does the main floor include a kitchen, bedroom, and full bathroom? • A re doorways wide enough for someone using a wheelchair, walker, or service animal? • Is wall-to-wall carpeting secure and in good condition (flat, not bunched up)? • A re area rugs secured to the floor with non-slip padding? • A re walkways free from obstructions and hazards like cords and furniture? • Do stairways have sturdy handrails on both sides? • Can bathroom and kitchen cabinets be easily reached? • Is there a step-free shower entrance? • A re grab bars available near the shower and toilet? • Do bathtubs and showers have non-slip mats, adhesive strips, or slip-free floors? • Will smoke detectors provide visual as well as audio alerts? • A re telephones easily accessible on all floors? More information about home modifications, including a detailed homeassessment checklist and information about financial assistance, can be found at eldercare.acl.gov. (BPT)

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50plus Living 2022


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Home Care Services Homeland HomeCare & HomeHealth 2300 Vartan Way, Suite 270 Harrisburg, PA 17110 HomeCare: (717) 221-7892 HomeHealth: (717) 412-7890 www.HomelandatHome.org See our ad on page 2

Homeland HomeCare and Homeland HomeHealth are community outreach services of Homeland Center that have served our region with excellent care since 1867. We believe the care a person receives makes a difference in his or her quality of life. Our expert teams are dedicated to providing a continuum of At Home services — from nonmedical personal assistance and companionship to skilled nursing, telehealth monitoring, and rehabilitation services.

ALZ, HOME, PAL, SSA PATRIOT HOME CARE 208 North Third Street, Suite 200 Harrisburg, PA 17101 (717) 798-9008 (717) 406-2537 mstehman@patriot-hc.com www.patriothomecare.org See our ad on facing page

HOME, *, **

Patriot Home Care understands the importance of independence and offers in-home care to help you stay in the comfort of your own home, working with the state and insurance companies to help those in need who qualify as low-income. Services include: companionship; medication management; fun activities and community engagement; light housekeeping and household tasks; personal care, bathing, and related support; meal preparation and proper nutrition; and shopping, laundry, and similar errands. If you already have a caregiver, we understand the importance of that relationship and can help you and your caregiver transfer easily. And if you are already cared for by a friend or family member, Patriot Home Care will pay them! We offer competitive wages, 401(k), PTO, and free health insurance to employees. Patriot Home Care has a team ready to hear from you. We want to know your needs and personally walk you through the process. Call our office today at (717) 798-9008.

If you are recovering from an injury, illness, surgery, or you need help managing a chronic health condition, SpiriTrust Lutheran® Home Care & Hospice can help. With the advances in healthcare technologies, many services that previously required a hospital stay can now be safely delivered at home, including: skilled nursing services, physical therapy, occupational therapy, speech therapy, phlebotomy, personal care, and medical social services. Other in-home care services available include: bathing and dressing, grocery shopping, meal preparation, CCRC, HOME, HOS, PCH, RET/IND, housekeeping, laundry, transportation, shopping, and errands. Call (855) 211-0688. We are here to help! RSP, SNF, SSA, *** SpiriTrust Lutheran® Home Care & Hospice 2700 Luther Drive Chambersburg, PA 17202 (855) 211-0688 www.spiritrustlutheran.org See our ad on page 16

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50plus Living 2021


Hospice/Palliative Care HOMELAND HOSPICE 2300 Vartan Way, Suite 270 Harrisburg, PA 17110 (717) 221-7890 www.HomelandatHome.org See our ad on page 2

ALZ, HOME, HOS, PAL, RSP, SSA, ***

Homeland Hospice, a community outreach of Homeland Center, provides the highest level of quality care, dignity, and support at the end stages of life. Hospice care addresses the whole person — physically, emotionally, and spiritually. We use an interdisciplinary team approach with highly trained, compassionate, and caring people to serve our patients and their families. As patient advocates, we work closely with loved ones to educate and support in any way possible. Homeland Hospice serves 14 counties in south-central Pennsylvania.

SpiriTrust Lutheran® Home Care & Hospice provides in-home medical, spiritual and emotional support to help you and your family cope with the challenges and fears of a life-limiting diagnosis. You don’t have to face this emotional journey alone. With the help of hospice, both the client and their family are given the opportunity to laugh and love and say goodbye. Our specialized programs guide you and your family through this difficult time. Our team uses an interdisciplinary approach that means clients and their family members receive support from skilled CCRC, HOME, HOS, PCH, RET/IND, nurses, compassionate caregivers, grief counselors, spiritual care, volunteers and more. RSP, SNF, SSA, *** SpiriTrust Lutheran® Home Care & Hospice 2700 Luther Drive Chambersburg, PA 17202 (855) 211-0688 www.spiritrustlutheran.org See our ad on page 16

www.onlinepub.com

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Understanding Financial Options to Pay for Long-Term Care

By Chris Orestis Long-term care is a reality that everyone will eventually confront — either for themselves, a loved one, or both — and it is an expensive proposition that too few people are prepared for or understand. Unfortunately, most people don’t think about how they will pay for care until they are confronted by a serious health situation for themselves or a loved one. Many people simply avoid the topic of long-term care and fail to understand it until, one day, a crisis situation throws them into a world for which most people are completely unprepared. The worst time to start planning is in the midst of a crisis because the options to pay for care can be complicated and take some time to access. The three primary ways to pay for care are with Medicare, Medicaid, or private pay. 1. Medicare is an “age-based” program that will cover the first 100 days of rehabilitation care in a licensed skilled-nursing facility upon direct discharge from a hospital. 36

50plus Living 2021


2. Medicaid is a “means-based” program that covers skilled nursing care. To qualify, an applicant must meet both standards of medical necessity and be below set asset and income levels. Applying for Medicaid can be a challenging process that requires the applicant to submit detailed medical and financial records. Medicaid will “look back” five years at financial records to make sure that assets have not been hidden or transferred to family members. 3. Private pay primarily comes from an individual and/or a family’s savings, insurance, assets, and income. People who use private pay can choose any form and location of care that they want. Independent and personal care/assisted living, as well as most forms of home care, are primarily private pay. Nursing homes are primarily covered by Medicaid for people who can qualify. Skilled rehabilitation and hospice are primarily covered by Medicare. Private-Pay Options for Senior Living and Long-Term Care Families need to do all they can to prepare to fund long-term care and protect themselves from both the financial costs and the possibilities of legal liabilities. There are actions people can start taking today to prepare for future costs, and there are long-term care funding tools to address immediate need for care as well. What are some of today’s options for private-pay funding of long-term care? Long-term care insurance – These insurance policies will provide a fixed monthly payment to cover approved forms of qualifying long-term care. Longterm care insurance can be purchased as a standalone policy or as a life/LTC hybrid policy. The younger and healthier a person is when buying a policy, the more affordable their premium rates and the higher the likelihood they will qualify. LTC life settlements – A life settlement can be used to fund a long-term care benefit plan, which is similar to a health savings plan. This LTC benefit plan is an irrevocable bank account that is professionally administered, with payments made monthly to long-term care providers. Medically qualified policy owners who use an LTC life settlement are able to immediately direct tax-exempt payments to cover their senior housing and long-term care costs. www.onlinepub.com

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Veterans Aid & Attendance benefit – Veterans of active combat duty and/ or their spouses are eligible to receive monthly benefits paid directly towards qualifying long-term care service. Like Medicaid, the applicant must meet both medical necessity and income/ asset level requirements to qualify. Reverse mortgage – Homeowners with little to no remaining mortgage balance who are age 62 or older can qualify to take a HUD-backed home equity conversion mortgage (HECM) loan against the home in the form of a lump sum, monthly income, or a line of credit. To qualify, the home must still be the primary residence, and the loan must be paid back with interest and fees after the homeowner dies (typically through the sale of the property). Senior living loans – These are loans that can be secured specifically to pay for long-term care services. These loans are unsecured by collateral and instead are guaranteed by family members who cosign (one or more). Interest rates are similar to a credit card, and the loans are typically between $50,000 and $500,000 for a term of one year or less. Medicaid-compliant annuity – This single-premium immediate annuity can be purchased to set up a guaranteed income stream for a spouse while the annuitant qualifies to go onto Medicaid and into a nursing home. This is an irrevocable annuity established for a period equal to or less than the remaining life expectancy of the annuitant. The state is named as the remainder beneficiary to receive any funds after the annuitant dies. The key to successfully navigating any long-term care situation is to understand your financial options and understand the differences between what will be covered by Medicare, Medicaid, or private pay. Planning and informing yourself as far in advance as possible is best, but there are also a number of funding options available that can help people address a sudden and immediate need for care. Chris Orestis, CSA, president of Retirement Genius (retirementgenius.com), is a nationally recognized financial, health/LTC, and retirement-issues expert credited with pioneering the long-term care life settlement over a decade ago. Orestis is author of the books Help on the Way, A Survival Guide to Aging, and the upcoming Retire Like a Genius.

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50plus Living 2021


Directory of Services Area Agencies on Aging Adams (717) 334-9296 www.acofa.org Berks (610) 478-6500 www.co.berks.pa.us/aging Chester (610) 344-6350 www.chesco.org/aging Cumberland (717) 240-6110 (888) 697-0371, ext. 6110 www.ccpa.net/aging Dauphin (717) 780-6130 (800) 328-0058 www.dauphincounty.org Franklin (717) 263-2153 www.franklincountypa.gov Lancaster (717) 299-7979 (800) 801-3070 https://lancoaging.org Lebanon (717) 273-9262 www.lebcounty.org Montgomery (610) 278-3601 www.montcopa.org/mcaas www.onlinepub.com

Pennsylvania (717) 783-1550 www.aging.state.pa.us Perry (717) 582-5128 www.perryco.org York (717) 771-9610 (800) 632-9073 www.ycaaa.org Emergency Numbers Crisis Intervention Unit (717) 394-2631 Poison Control Center (800) 222-1222 www.chop.edu/service/ poison-control-center Health and Medical Services Alzheimer’s Association (717) 651-5020 www.alz.org/pa American Cancer Society (800) 227-2345 www.cancer.org American Diabetes Association (800) 342-2383 www.diabetes.org American Heart Association (800) 242-8721 www.heart.org

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Directory of Services American Lung Association (800) 586-4872 www.lung.org American Parkinson’s Disease Association (800) 223-2732 www.apdaparkinson.org

Geisinger Holy Spirit Hospital A Geisinger Affiliate (717) 763-2100 www.hsh.org Jennersville Hospital Tower Health (610) 869-1000 https://jennersville.towerhealth.org

American Urological Association Foundation (800) 828-7866 www.urologyhealth.org

Lebanon VA Medical Center (717) 272-6621 (800) 409-8771 www.lebanon.va.gov

Arthritis Foundation (800) 283-7800 donor_relations@arthritis.org

Penn Medicine Chester County Hospital (610) 431-5000 www.chestercountyhospital.org

Deaf and Hard of Hearing (717) 783-4912 (V/TTY) www.dli.pa.gov National Institute of Neurological Disorders and Stroke (800) 352-9424 www.ninds.nih.gov National Osteoporosis Foundation (800) 231-4222 www.nof.org Pennsylvania Department of Health (877) 724-3258 www.health.state.pa.us Hospitals Brandywine Hospital Tower Health (610) 383-8000 https://brandywine.towerhealth.org 40

Penn Medicine Lancaster General Health Suburban Outpatient Pavilion (717) 544-3000 www.lghealth.org Penn Medicine Lancaster General Health Women & Babies Hospital (717) 544-3700 www.lghealth.org Penn Medicine Lancaster General Hospital (717) 544-5511 www.lghealth.org Penn Medicine Lancaster Rehabilitation Hospital (717) 406-3000 www.lghealth.org 50plus Living 2021


Directory of Services Penn State Health St. Joseph (Reading) (610) 378-2000 www.thefutureofhealthcare.org Penn State Milton S. Hershey Medical Center (717) 531-8521 (800) 243-1455 www.pennstatehershey.org Phoenixville Hospital Tower Health (610) 983-1000 https://phoenixville.towerhealth.org Pottstown Hospital Tower Health (610) 327-7000 https://pottstown.towerhealth.org Reading Hospital Tower Health (610) 988-8000 https://reading.towerhealth.org UPMC Pinnacle Carlisle (717) 249-1212 www.pinnaclehealth.org/carlisle UPMC Pinnacle Hanover (800) 673-2426 www.pinnaclehealth.org/hanover UPMC Pinnacle Harrisburg (717) 782-3131 www.pinnaclehealth.org UPMC Pinnacle Lititz Medical Center (717) 625-5000 www.pinnaclehealth.org/lititz www.onlinepub.com

UPMC Pinnacle Memorial (717) 843-8623 www.pinnaclehealth.org/york UPMC Pinnacle West Shore (717) 791-2600 www.pinnaclehealth.org/westshore WellSpan Chambersburg Hospital (717) 267-3000 www.wellspan.org WellSpan Ephrata Community Hospital (717) 733-0311 www.wellspan.org WellSpan Gettysburg Hospital (717) 334-2121 www.wellspan.org WellSpan Good Samaritan Hospital (717) 270-7500 www.gshleb.org WellSpan York Hospital (717) 851-2345 www.wellspan.org Meals on Wheels Call your local Area Agency on Aging for information. Pharmacy BenefitsCheckUp www.benefitscheckup.org Drug Discount Card www.padrugcard.com 41


Directory of Services PACE (800) 225-7223 https://pacecares.magellanhealth.com

Medicare Telephone Hotline (800) 633-4227 www.medicare.gov

RxAssist info@rxassist.org www.rxassist.org

National Institute on Aging Information Center (800) 222-2225 www.nia.nih.gov

Senior Centers For a complete listing of senior centers in your area, call your local Area Agency on Aging. Services AARP (888) 687-2277 www.aarp.org Apprise – Health Insurance Assistance (800) 783-7067 www.aging.pa.gov/aging-services/ insurance Elderly Lawyer Referral (800) 801-3070 www.co.lancaster.pa.us/lanco_aging Internal Revenue (800) 829-1040 www.irs.gov Latino Affairs (215) 560-2640 Medicare Inquiry (Part B) (800) 633-4227 Medicare Rights (800) 333-4114 www.medicarerights.org 42

Office of Minority Health Resource Center (800) 444-6472 www.minorityhealth.hhs.gov Pennsylvania Department of Human Services (800) 692-7462 www.dhs.pa.gov Social Security Administration (Medicare) (800) 772-1213 www.ssa.gov Toll-Free Numbers Bureau of Consumer Protection (800) 441-2555 www.attorneygeneral.gov Consumer Advocate (800) 684-6560 www.oca.state.pa.us General Services Department (717) 787-5966 www.dgs.state.pa.us

50plus Living 2021


Directory of Services National Committee to Preserve Social Security & Medicare (800) 998-0180 www.ncpssm.org

Pennsylvania Department of Transportation (717) 787-2838 www.penndot.gov

National Council on Aging (800) 424-9046 www.ncoa.org

Perry County Transit Authority (800) 632-9063

Organ Donor Hotline (804) 377-3580 Veterans Affairs (800) 827-1000 www.va.gov Transportation Berks Area Transit Authority (BARTA) (610) 921-0601 www.bartabus.com Capital Area Transit (CAT) (717) 238-8304 www.cattransit.com

Pottstown Transit (610) 326-5413 rabbittransit Adams, Cumberland, Franklin, Northumberland, and York counties (717) 846-7433 (800) 632-9063 www.rabbittransit.org Red Rose Transit Authority (800) 892-1122 www.redrosetransit.com Rover Community Transportation (484) 696-3854 www.riderover.com

County of Lebanon Transit Authority (COLT) (717) 274-3664 www.coltbus.org

For additional copies, please call (717) 285-1350.

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50plus Living Reader Information Service For FREE information about any of the advertisers listed below, please mail this form to: 50plus Living, P.O. Box 8049, Lancaster, PA 17604 Name__________________________________ Phone ________________ Address______________________________________________________ City_ _____________________________ State_______ Zip_____________ E-mail address_________________________________________________ Anticipated move date: o1–6 months o6–12 months o1–3 years oOther_______

Please have these companies send information to me: Active Adult Communities

Home Care Services

o Kindred Place............................................................. 8

o Homeland HomeCare & HomeHealth........................34 o Patriot Home Care.....................................................34 o SpiriTrust Lutheran Home Care & Hospice.................34

Assisted Living Residences o Providence Place Senior Living of Chambersburg......27 o Providence Place Senior Living of Dover...................27

Hospice/Palliative Care

o Providence Place Senior Living of Lancaster..............27

o Homeland Hospice....................................................35 o SpiriTrust Lutheran Home Care & Hospice.................35

CCRCs/Life Plan Communities

Nursing/Rehab Facilities

o Bethany Village.........................................................14 o Homeland Center......................................................14

o The Campus of the Jewish Home..............................28 o Sarah A. Todd Memorial Home..................................28 o Thornwald Home......................................................28

o The Campus of the Jewish Home..............................14

Personal Care Homes

o The Lebanon Valley Home.........................................15 o SpiriTrust Lutheran, The Village at Gettysburg..........15

o Harrison House Chester County.................................26 o The Campus of the Jewish Home..............................26

o SpiriTrust Lutheran, The Village at Kelly Drive...........17

Residential Communities

o SpiriTrust Lutheran, The Village at Luther Ridge........17

o Community Basics, Inc............................................... 8 o Cumberland County Housing and Redevelopment Authorities................................................................. 8

o Ephrata Manor..........................................................14

o SpiriTrust Lutheran, The Village at Shrewsbury.........17 o SpiriTrust Lutheran, The Village at Sprenkle Drive.....17 o SpiriTrust Lutheran, The Village at Utz Terrace...........18

Dementia/Alzheimer’s o Providence Place Senior Living of Chambersburg......29 o Providence Place Senior Living of Dover...................29 o Providence Place Senior Living of Lancaster..............29

Retirement Communities o Bethany Village.........................................................18 o Diakon Lutheran Senior Living Communities, Cumberland Crossings..............................................19 o Diakon Lutheran Senior Living Communities, Frey Village...............................................................19 o Harrison House Chester County.................................20


No Need for Disguises. We’re Pet Friendly!

At Harrison Senior Living, we believe that your four-legged friend can improve your overall health and happiness; that’s why we pride ourselves on being a pet-friendly community. After all, your pets are family too.

www.Harrisonseniorliving.com

H

N

Independent Living Personal Care Respite Care

300 Strode Avenue East Fallowfield, PA 19320 610.384.6310 See our website for more locations and information.

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Index Active Adult Communities Kindred Place................................. 8, Back

Providence Place Senior Living of Lancaster......................................9, 29

Ancillary Services 50plus LIFE............................................... 20 Caregiver Solutions............................... 31

Home Care Services Homeland HomeCare & HomeHealth.....................................2, 34 Patriot Home Care.......................... 34, 35 SpiriTrust Lutheran Home Care & Hospice................ 16, 34

Assisted Living Residences Providence Place Senior Living of Chambersburg...........................9, 27 Providence Place Senior Living of Dover.............................................9, 27 Providence Place Senior Living of Lancaster......................................9, 27 CCRCs/Life Plan Communities Bethany Village.................................14, 18 Ephrata Manor.............................14, Back Homeland Center..............................2, 14 The Campus of the Jewish Home 14, 15 The Lebanon Valley Home...... 15, Back SpiriTrust Lutheran, The Village at Gettysburg..........15, 16 SpiriTrust Lutheran, The Village at Kelly Drive...........16, 17 SpiriTrust Lutheran, The Village at Luther Ridge.......16, 17 SpiriTrust Lutheran, The Village at Shrewsbury.........16, 17 SpiriTrust Lutheran, The Village at Sprenkle Drive........16, 17 SpiriTrust Lutheran, The Village at Utz Terrace..........16, 18 Dementia/Alzheimer’s Providence Place Senior Living of Chambersburg...........................9, 29 Providence Place Senior Living of Dover.............................................9, 29 46

Hospice/Palliative Care Homeland Hospice...........................2, 35 SpiriTrust Lutheran Home Care & Hospice................ 16, 35 Nursing/Rehab Facilities The Campus of the Jewish Home..................................15, 28 Sarah A. Todd Memorial Home.......................28, Back Thornwald Home........................28, Back Personal Care Homes Harrison House Chester County.26, 45 The Campus of the Jewish Home..................................15, 26 Residential Communities Community Basics....................................8 Cumberland County Housing and Redevelopment Authorities..............8 Retirement Communities Bethany Village....................................... 18 Diakon Lutheran Senior Living Communities, Cumberland Crossings............................................... 19 Diakon Lutheran Senior Living Communities, Frey Village............... 19 Harrison House Chester County.20, 45 50plus Living 2021


Care Codes AAC – Active Adult Community (Age Restricted)

RET/IND – Retirement/ Independent Living

ACF – Acute Care Facility

RHB – Rehabilitation Unit

ADC – Adult Day Center

RSP – Respite Care

ALR – Assisted Living Residence/Unit

SNF – Skilled Nursing Facility

ALZ – Alzheimer’s and DementiaRelated Diagnoses

SSA – Supportive Services Available

APT – Apartments

SUB – Sub-Acute Care

CCRC – Continuing Care Retirement Community

WSS – Wandering Security System

HOME – Home Care Services

** – Medicare Facility

HOS – Hospice Care

*** – Medicaid and Medicare Facility

PAL – Palliative Care

NP – Non-Participating in Medicaid or Medicare

PCH – Personal Care Home/Unit

* – Medicaid Facility

To be included in the next edition, please call (717) 285-1350 or email info@onlinepub.com

50plus Living is published annually by On-Line Publishers, Inc.,

P.O. Box 8049, Lancaster, PA 17604 (717) 285-1350 • (717) 770-0140 • (610) 675-6240 • www.onlinepub.com Copyright ©2021 by On-Line Publishers, Inc. All rights reserved. Reproduction in whole or in part is prohibited without the express written permission of the publisher. Each edition of 50plus Living is carefully reviewed to assure accuracy. The publisher cannot, however, guarantee the accuracy of the information contained therein nor does the publisher endorse services or products represented. PLEASE NOTE: We will not knowingly publish any advertisement or information not in compliance with the Federal Fair Housing Act, Pennsylvania state laws, or other local laws. We reserve the right to revise or reject any advertising.

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 

                       

   

  

  

    

  

  

        

    