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The 3 Best Nursing Homes in Somerset, KY for 2024

Though it’s the primary city in the Lake Cumberland region, Somerset, KY, is a small town of 11,954 people. Around 17.7% of its population is 65 and older. A low cost of living, especially low costs for health care compared to national norms, benefits older adults in this city. When seniors living in Somerset need health care, the Lake Cumberland Regional Hospital is right in town.

Another perk for Somerset area seniors is the area’s low cost of senior care. Seniors who need constant oversight and medical monitoring may choose nursing home care. The 2021 Genworth Cost of Care Survey reports an average cost of $6,669 for a semiprivate nursing home room and $9,125 for private accommodations in Somerset. For seniors who don’t require such an intensive level of care, assisted living has less medical oversight but provides help with daily living tasks, while home care provides personal care and housekeeping assistance at home. Both are less expensive than nursing home care.

This guide provides guidance about paying for nursing home care and other senior care options. It also contains a list of free and low-cost resources in Somerset to help seniors and their families.

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Nursing Home Facilities in Somerset, Kentucky

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Nursing Home Costs in Somerset, KY

The average rate for nursing home care in Somerset is $6,669 for a semiprivate room and $9,125 for a private room.

The Cost of Nursing Home Care in Nearby Cities

Somerset’s monthly average for nursing home care is $6,669, which is low compared to the Kentucky average of $7,178 and the national average of $7,908. It’s also among the least-expensive cities in Kentucky for care. In comparison, Bowling Green averages $8,245, and Owensboro averages $7,984. Seniors in Louisville pay almost $800 more than those in Somerset, and seniors in the Elizabethtown area pay over $900 more.

Somerset

$6,669

Kentucky

$7,178

The United States

$7,908

Bowling Green

$8,245

Owensboro

$7,984

Louisville

$7,452

Elizabethtown

$7,604

The Cost of Other Types of Senior Care

Somerset-area seniors have a number of care options to consider in their search for a long-term care solution. Nursing homes provide the highest level of care and cost $6,996 for a private room and $9,125 for a semiprivate room. Those who need only a little oversight may choose adult day health care, which averages $1,690 a month, while assisted living averages $4,568. Both in-home care and home health care cost about $2,000 less than nursing home care in Somerset.

In-Home Care

$4,957

Home Health Care

$4,958

Adult Day Health Care

$1,690

Assisted Living Facility

$4,568

Nursing Home (semiprivate room)

$6,996

Nursing Home (private room)

$9,125

 Note: Data for Somerset was unavailable, so data for the nearest city, Lexington, was used instead.

Financial Assistance for Nursing Home Care in Somerset, KY

Many seniors and their families use some form of financial assistance to help them pay for nursing care. The main options available are Medicare, Medicaid, and veterans benefits. These programs can be complicated, especially when it comes to benefit terms. Below, we give a brief overview of how these programs may be used towards paying for skilled nursing care.

  • Medicare: Medicare will typically cover all skilled nursing costs for the first 20 days of one’s stay in a nursing home and a portion of the costs until day 100. After 100 days in a skilled nursing facility, Medicare will not cover any part of the cost of the stay. While this is adequate when short-term care is needed, those in need of long-term care will need to either pay out-of-pocket or use another source of financial assistance.
  • Medicaid: Medicaid covers most of the costs of living in a skilled nursing facility for those who qualify. Care, room, and board are covered with no time limit, but residents may be charged for extras like specially prepared food or cosmetic services. Medicaid eligibility standards are strict and complex, so not all seniors are eligible for Medicaid benefits.
  • Veterans Benefits: Veterans receiving a VA pension may also be eligible for the Aid and Attendance benefit administered by the VA. Aid and Attendance is a monthly allowance that beneficiaries may use to pay for their long-term care, including skilled nursing care.

If these options aren’t available to you, check if your loved one has long-term care insurance or contact your Area Agency on Aging to ask about any local financial assistance programs for seniors.

Free & Low-Cost Resources for Seniors in Somerset, KY

For seniors and their family members making tough decisions about long-term care options, several local resources can provide support and guidance. These programs, available from non-profit and government agencies, are available at no cost to seniors.

ResourceContactService
Legal Aid of the Bluegrass(859) 431-8200Legal Aid of the Bluegrass offers free legal help to low-income residents throughout the state. This includes many of the state’s seniors. Through this organization, seniors can get assistance obtaining government benefits and protection against fraud and abuse.
AppalReD Legal Aid(606) 679-7313Legal assistance from AppalReD Legal Aid, which has an office in Somerset, allows older adults to access legal professionals for free. Lawyers and legal aides assist with civil concerns and estate planning needs on a pro bono basis.
Lake Cumberland Long-Term Care Ombudsman Program(800) 264-7093Seniors receiving home care or who live in a nursing home have a right to quality care. The Long-Term Care Ombudsman hears concerns about the care given to seniors and provides mediation help to resolve these issues.
Lake Cumberland Area Development District(800) 264-7093The Lake Cumberland Area Development District is the Area Agency on Aging as well as the Aging and Disability Resource Center for Somerset and the surrounding communities. Through its programs, seniors can find advice and support navigating local resources.
Kentucky Department of Veterans Affairs(502) 564-9203The Kentucky Department of Veterans Affairs provides support and guidance to local veterans to maximize their use of the benefits they earned through their service. This includes health care benefits, pensions and access to the state’s veteran’s homes.
Kentucky Medicaid(800) 432-2703For older adults in Somerset, Kentucky’s Medicaid program may provide help paying for health care and long-term care needs. In addition, Medicaid offers a number of managed care organizations for those who need a slightly different program for their care.

Reviews of Communities Nearby

Nursing Homes

dvh

I am a friend or relative of a current/past resident

Review of Somerset Nursing and Rehabilitation Facility

Friendly staff! Residents who live there are very active and "on the go". Plenty of activities, the food is as good as home cooking, and the therapy is EXCELLENT!! Very clean, without usual...

Read more

Nursing Homes

rjack

I am a friend or relative of a current/past resident

Review of Somerset Nursing and Rehabilitation Facility

They are stalling in giving a refund for overpayment. Six weeks...and no refund. Multiple requests.

Read more

Nursing Homes

Joshua R.

I am a friend or relative of a resident

Review of Somerset Nursing and Rehabilitation Facility

The nursing staff at the Somerset Nursing & Rehabilitation Facility was very friendly and helpful to my families concerns and needs when my great aunt was staying there. They treated her like...

Read more

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The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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