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Is Cruise Ship Retirement Cheaper Than Assisted Living? It might sound like a lark for Mom and Dad to live out their golden years in a hotel, or on a globetrotting cruise ship – but when you calculate the costs and the practical realities, how does it really compare to assisted living?
There’s a rumor that’s been making the rounds for years – have you heard it? If you spend your retirement on a cruise ship, or as a permanent resident of the Holiday Inn, it’ll be cheaper and provide better service than your average senior living or assisted living facility. That’s what the rumors say, anyway. We’ve done some research of our own, looked at the hard numbers about assisted living costs, and here’s what we’ve found. Learn more. A Cruise Ship Retirement. The e- mails outlining the benefits of a hotel or cruise ship over assisted living might have started as a joke and morphed into an urban legend – but this type of retirement plan does happen.
In 2. 01. 5, USA Today covered the story of 8. Lee Wachtstetter, who took her daughter’s advice and sold her home after her husband died, then went to live on the Crystal Serenity, a luxury cruise chip.
It might sound like a lark for Mom to live out her golden years in a hotel or on a cruise ship, but how does it compare to assisted living? Find the Best Life Insurance Rates. Enter your zip code below and be sure to click at least 2-3 companies to find the very best rate. Personally I like that I can watch this show with my pre teen children. There are not many drama type shows that are mature, yet not overly.
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In 2. 00. 8, the BBC ran a story about then 8. Beatrice Muller, the only permanent resident aboard the long- running cruise ship Queen Elizabeth 2. As for the hotel rumor, the Towne Place Suites by Marriott in Falls Church, Virginia, was Joy Bricker’s home for 1. CNN report. Apartment living in the Washington, D.
C. Lee Lindquist’s 2. Cruises were priced similarly to assisted living centers and were more efficacious.”Lindquist claimed that over a 2. And, she says, “When you compare that to the $9,0.
True Costs and Benefits. Since 2. 00. 4, costs for cruises and for assisted living have been going up, but comparing average cruise costs to $9,0. According to A Place for Mom’s 2. Cost of Care Survey, the actual average monthly cost of assisted living ranges from $2,5.
There’s considerable variation, too, depending on where seniors live and what amenities they need. If your loved one wants a large two- bedroom apartment, for instance, it’s going to cost more, but there are always lower- cost options such as a studio or shared living space. And remember that the cost of living varies widely depending on where in the U.
S. If you’re willing to look outside of an expensive city or if you live in a state where day- to- day costs aren’t as high, the average monthly assisted living cost is going to be lower, too. Meanwhile, in 2. 00. Muller’s costs for staying on the QE2 were reportedly about $5,0. And presumably it’s a bit tricky to get insurance to cover a cruise.
As for the Towne Place Suites in Falls Church, VA, though you get free wi- fi for your trouble, the cost is now about $1. Although other hotels are considerably less expensive – depending, of course, on location – there’s still the fact that most meals aren’t included and you’d be without 2.
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It’s important to note that not all types of senior housing are created equal. Life on a cruise ship might compare favorably to expensive dull nursing homes portrayed in popular media, but the reality is quite different, and in fact, luxury senior housing and retirement communities offer many of the same perks that a cruises ships do: entertainment, chances to socialize, and customized senior nutrition, to name just a few. And they aren’t as expensive as you might think.
Nursing homes and memory care, which provide skilled nursing on a 2. But for seniors who don’t need constant care, retirement communities and independent living are far less expensive – and yes, they generally cost less than a hotel or a cruise: sometimes as little as $1,5. Impractical Realities. The logistics of living permanently on a cruise ship seem more than a little impractical.
First of all, you can’t bring more much more than a suit case worth of possessions on a cruise. You can forget about packing your favorite sitting chair or a painting. That issue aside, it’s not as if one could just move on to a cruise ship and live happily ever after. Passengers must disembark when the cruise ends, and make arrangements while the ship is at port. Keeping these temporary arrangements month after month would be more than burdensome. Another consideration is that seniors who move to assisted living facilities and nursing homes require help with activities of daily living such as bathing, toileting, dressing, and grooming. Yes, you may be able to get breakfast in bed on a cruise ship or hotel, but the staff are is not prepared or able to help provide hands- on personal care.
Health Risks for Seniors on Cruise Ships. Furthermore, many seniors have a high- risk of falling because of mobility problems. A cruise ship certainly wouldn’t be the best living environment such a person, as even very large ships can list violently in bad weather.
Cost is not the only factor in making a decision about senior living, particularly for those who might want to stay close to family and friends, or who might have care needs requiring skilled nursing. Cecil Adams, author of the newspaper column “The Straight Dope,” points out that “the elderly are going to have a lot more medical issues than cruise ships are set up to handle.” And while there is such a thing as a hotel doctor, they generally don’t live on- site, but rather make potentially costly house calls.
Not only that, hotel doctors and on- board medical personnel likely won’t include geriatric specialists. Cecil points out: “If an emergency arises that they’re not ready for and you can’t wait till the ship reaches the next port, your ambulance ride is almost certainly going to be an airlift, which can be expensive and logistically problematic.” In light of how drastic contagious illnesses can be in a confined environment like a cruise ship – an emergency might be more of a likelihood than we care to consider. Even if it’s not an emergency, health care concerns are still important. If you take another look at Joy Bricker’s story, you’ll note that she had to leave her hotel room once her health began to decline.
And hotels and cruise ships aren’t equipped to deal with ongoing dementia care, nor do they offer increasing levels of care, as do facilities that specialize in housing seniors. Have you considered a cruise ship, hotel, or other unusual retirement option for your loved ones? Share your story in the comments below. Related Articles.
Epi. Pen Maker Mylan Sued State That Gave Preferred Status to Cheaper Alternative. Consumer Reports has no relationship with any advertisers on this website.
As the price for the Epi. Pen emergency allergy treatment soared by some 6. Medicaid regulators in one state tried to de- prioritize the drug in favor of a less- expensive alternative.
Epi. Pen’s parent company Mylan could have lowered the price on its signature product, but instead it chose to sue the state. The folks at STAT News unearthed documents involved in a recent legal battle between Mylan and West Virginia, where in 2. Epi. Pen and Epi. Pen Jr. Similar drugs not on this list would require separate approval. The Epi. Pen Alternative that Costs Just $1. How to Avoid Epi.
Pen Mistakes. Cheaper Epi. Pen Alternatives.
In Jan. 2. 01. 5, a West Virginia Pharmaceutical and Therapeutics Committee held an open hearing on which epinephrine injectors should be included on the Preferred Drug List, and then voted . But before that change could happen, Mylan asked a court to grant an injunction . The judge also pointed out that, Epi. Pen’s removal from the Preferred list doesn’t mean the drug is no longer available; it just requires prior authorization.
As for Mylan’s claim that it would suffer irreparable harm if removed from the Preferred list, the judge countered that, “based on this argument, no drug could ever be removed from preferred status.”The court concluded that the state “is in a better position to make decisions regarding the . With no real competition on the market, Epi.
Pen was returned to the West Virginia PDL. However, notes STAT, the Mylan drug has since lost its preferred status in favor of the generic form of competitor Adrenaclick. Even the generic Epi. Pen, released in late 2. Auvi- Q, now being made by Kaleo, is expected to return to U. S. It’s not known if it will regain its spot on the PDL.
Mylan has additional history with West Virginia. Last year, the state’s Attorney General investigated the drug company for allegedly miscategorizing Epi.
Pen in the Medicaid program, resulting in the state significantly overpaying for the injector. The federal Centers of Medicare and Medicaid Services subsequently confirmed that Mylan had been incorrectly categorizing Epi. Pen for years. But before the exact amount could be sorted out, the Justice Department and Mylan reached a $4. Mylan CEO Heather Bresch is not only from West Virginia, but her father is Joe Manchin, former governor of the state and one of its current U.