Are you exploring your options for senior living in Alsuma, OK and wondering whether to choose a Continuing Care Retirement Community (CCRC) or a 55 and up community? Both offer unique benefits, so it’s essential to weigh your options carefully. In this guide, we’ll take you through the differences between these two retirement living options to help you make an informed decision.
Defining CCRCs: A Comprehensive Approach
Continuing Care Retirement Communities (CCRCs) provide a comprehensive approach to senior living. As their name suggests, they are designed to provide a full continuum of care, accommodating different transitions as your needs change over time. Independent Living is usually the biggest part of a CCRC.
Defining 55 and Up Communities: Active Living for Older Adults
On the other hand, 55 and up communities focus on active living for older adults who are looking to downsize and enjoy a maintenance-free lifestyle. These communities are commonly situated in proximity to shops, supermarkets, dining establishments and entertainment hubs.
Typically, individuals under the age of 18 are not permitted to reside within these premises, although visitors are always welcome. Moreover, at least one resident within the household must be aged 55 or above.
Healthcare Services
One of the primary distinctions between CCRCs and 55 and up communities is the availability of healthcare services. CCRCs provide on-site healthcare, including Assisted Living, Memory Care and skilled nursing care, allowing Independent Living residents to continue aging in place in one community.
In contrast, 55 and up communities are just like a housing development community and do not offer healthcare services on-site. Residents will have to seek the services of healthcare providers in the surrounding area as needed.
Housing Options
CCRCs typically offer a range of senior living floor plans and housing styles, from convenient apartments to spacious suites and large cottages.
Conversely, 55 and up communities may offer housing options like single-family homes, condos or apartments, but without the added healthcare services found in CCRCs.
Amenities and Costs
Both CCRCs and 55 and up communities offer a variety of amenities and activities to enhance the retirement experience.
CCRCs often boast extensive amenities such as catered dining, fitness centers, game rooms, art studios and much more. Additionally, they may offer planned cultural events, transportation services and educational programs. CCRCs typically require an entrance fee along with monthly fees that cover all housing, amenities, services and healthcare costs.
55 and up communities also provide amenities tailored to older adults, such as clubhouses, walking trails and fitness training activities, but they will normally need to be paid for separately. The fees for 55 and up communities will likely be comparable to your own housing costs now. You may also have to contribute to the Homeowners Association’s fees to pay for maintenance of the neighborhood’s communal areas.
Making an Informed Decision
Choosing between a CCRC and a 55 and up community is a significant decision that requires careful consideration. Take the time to tour both types of communities, meet the care team, ask questions and talk to other residents if you can. Consider your current and future needs, as well as your budget and lifestyle preferences.
