Because of the high ratio of one on one care, adult foster care is often a good choice for those with dementias. These rates usually include everything but personal expenses, such as clothing, and medical expenses. B level Personal Care Homes are also licensed in Montana. Residents at this level may have needs that approach nursing home level needs. The number of residents are limited by licensure to no more than five.
Some facilities provide both A and B levels in the same home.
Federal HUD subsidies may be available for people with physical disabilities living in retirement or assisted living settings. There is, in addition, a limited amount of Medicaid funds that may be used for Adult Foster Care or licensed Personal Care Homes. Some long term care insurance policies cover care provided in mid level facilities as well as in skilled nursing facilities. At the most intensive end of the continuum of care is the nursing home, or long term care facility. Although it is difficult to predict with accuracy who will and who will not need long term care, it is important to know that recent national studies have indicated that at some point, two in five people over age 65 will enter a nursing home, at least temporarily.