The variety and intensity of healthcare provided varies greatly by CCRC. Some offer pre-paid insurance as a part of their regular fees; others require residents to purchase insurance on their own. At some CCRCs residents pay the same monthly fee whether they are in an independent living unit or the nursing facility, while at others, different rates apply to independent living, Assisted Living and skilled nursing care. Typically, CCRCs with different rates for different types of housing increase the monthly fees over time as residents require more services. Other communities offer a partial pre-payment arrangement in which nursing facility care is guaranteed for a specific number of days and beyond that the resident is responsible for all costs. Still others guarantee only the availability of care, and residents pay for care on a fee-for-service basis.

Issues to consider regarding Health Care Services