Friday, 01 October 2021 17:10

How to Pay for Troy Assisted Living and Memory Care

Living with dementia does not have to mean living without dignity and comfort. At Aspen Creek in Troy, IL, we provide the best memory care support for your loved one in an intimate, home setting. If you're exploring Troy for assisted living options for your loved one, the quality of care at your loved one's new home may be your first consideration and the cost may be the second. At the Aspen Creek of Troy, we want to make it easy for you to understand how to pay for senior living and memory support at our community.


All-Inclusive Pricing for Your Loved One's Care

While our primary focus is caring for your loved one with dementia, we understand how stressful the financial aspects of memory care can be. Most memory care communities will have tiered rates, with a base rate plus additional charges depending on the amount of care provided. This pricing model makes budgeting incredibly difficult for families. 

For that reason, we don't structure our rates this way. We know each day is different and want our staff to provide quality attention and care to residents of our community. We're not marking down how much care is provided so that we can charge more. Instead, we follow an all-inclusive pricing structure.

What are your payment options at Aspen Creek for Assisted Living in Troy?

With our pricing structure covered, let's go over what your payment options are for our  all-inclusive assisted living services.


We are a private-pay-only residence. While this does mean paying for assisted living and memory care services ‘out-of-pocket,' it doesn't mean that you must have cash on hand or that you're paying solely from your savings or  personal income. Private-pay essentially means that the resident's family will have to plan in advance for costs using personal finances or assets to cover the costs of the memory care services. Keep in mind that people who are able to pay for care with insurance are also considered ‘private pay.’ This is because the insurance is not a payment that uses government programs.

Long-Term Care Insurance: 

Like any other type of insurance, long-term care insurance (LTC) is designed to offset the costs and expenses of long-term care for the insured person(s). We accept this form of insurance at our memory care community. Most policies pay a fixed dollar amount towards each level of care with higher levels of care being reimbursed at an increased rate.

If you’re considering senior living in Troy, assisted living costs of up to 100% could be covered by your long-term care. This all depends on the terms of your policy. If you or your loved one have LTC insurance, contact us to learn more or check with your policy provider to see what your senior living options are.

Medicare Part B for Therapy, Home Health, and Hospice

If residents make the Aspen Creek of Troy, IL their home, they can utilize Medicare part B for their therapy, home health, and/or hospice while staying with us. 

Benefits of Living at Aspen Creek of Troy for Assisted Living And Memory Care

We're first and foremost a home

At our Aspen Creek location in Troy, Illinois, you’ll see a beautiful home, you’ll witness laughter and friendly conversations between residents and nurses, and you’ll smell delicious home-cooked meals. Our communities have been specifically designed to mimic a cozy, quaint, and quiet home.

Impressive Amenities

We customize many of our resident amenities to reflect each individual resident. We understand each person is unique and consult with residents and their families to tailor amenities from a whole suite of options. Here are just a few of our impressive amenities:

  • Private suites with full handicap-accessible bathrooms
  • Larger suites for couples or others who want to share a room
  • Daily housekeeping and laundry services
  • 3 daily home-cooked meals in our family-style kitchen 
  • Free cable and wireless internet
  • Full-service beauty and barbershop on-site
  • Daily activity programs, including social outings and community events
  • Spa services with aromatherapy for relaxation
  • Transportation to and from medical appointments

Personalized Memory Care Support and Residences

At The Creeks, we keep our communities small for a reason. Our small size and specially trained staff make it possible for us to give each resident personalized care. We are passionate about maintaining and celebrating the personhood of each and every resident, regardless of where they are at in their journey or their additional medical needs. We have created a residence, not an institution, that combines exceptional care with all the comforts of home. It may not sound simple, but to us, it is. 

We have an exceptional team of RN’s, LPN’s, and Certified Care Partners that will provide your loved one with the best personalized memory care in Troy and assisted living services. Our nursing staff can provide:

  • Medication management and administration
  • Individualized health and wellness assessments
  • Care for medical conditions including diabetic care and catheter care
  • Therapy services
  • Assistance with all activities in daily living (ADLs)

Visit The Caring Home Your Loved One Deserves

At The Creeks, we’ve taken great care to create a warm and welcoming home-like environment for seniors with memory disorders.. Some families find us in the early stages of dealing with their loved one’s dementia. Others find us after experiencing less-than-acceptable care alternatives or experiencing caregiver burnout at home. No matter how you arrived, we're confident that you'll find that Aspen Creek isn’t the end of the road but the start of a much better path. 

Schedule a tour at the Aspen Creek of Troy, IL today to see the amenities of our assisted living and dementia care homes first-hand.