Page 8 - Prime 11292020

8 SUNDAY, NOVEMBER 29, 2020 THE MORNING CALL
Prime

A winning

combination:

Phoebeoffers

active living

andlong-term

careoptions

hen you’re active and feeling well, it’s To live in a Phoebe
hard to imagine needing long-term community, you also
Wmedical care later in life, much less pay an entrance fee
leaving the home you know and love. and a monthly fee.The
entrance and monthly
Yet statistics from the U.S. Department of
Health and Human Services show that some- fees allow you to live
one turning 65 this year has almost a 70 percent at the community,“but
chance of needing some type of long-term care you need to be able to
live independently and
services.And traditional health insurance generally safely there,” Hoffman
doesn’t cover the cost of long-term or in-home says.“If you get to a
health care, leaving seniors with difficult financial point where you need
choices. help bathing or dressing, Phoebe will help you co-
That’s why Phoebe offers a standalone program ordinate services. If you were living in a community, bill being $4,000 or $5,000 a month — because
called Pathstones by Phoebe, a membership-based and were also a member of Pathstones, Pathstones personal care isn’t covered by insurance — she’s
continuing care plan that combines the best would cover the cost of those services. If you only paying her monthly fee to Pathstones, which
features of long-term care insurance, continu- were not a Pathstones member, you would pay might be $490 a month. So, she’s literally paying
ing care retirement living and personal wellness privately for those services. 10 percent of what she would be paying if she was
coordination — all while allowing members to live Substantial Savings not a member of Pathstones and had to privately
independently in their own homes. pay for care.”
It’s similar to what other senior communities
In fact, Pathstones allows members to receive call a life care contract, Hoffman says.“For a life Active and Healthy
care no matter where they live — at home, in care contract in our area, you pay a much more There are conditions, of course.“We want
another state, in another retirement facility, or in substantial entrance fee [than at Phoebe], and then people when they’re active and well for Pathstones;
a Phoebe community.When higher levels of care you pay your apartment rent, but if you move over and we want the same for the independent living
are needed, Pathstones will arrange services either to assisted living, you’re only paying that apartment apartments,” Hoffman says.“So it’s not all-or-noth-
within the member’s home or at another site. rent — you’re not paying the extra fee. So instead ing.You don’t join Pathstones or make a decision
Pathstones members can receive services at the of paying maybe $4,000 a month, you’re only pay- to join PhoebeTerrace in Allentown or Chestnut
healthcare or senior community of their choice, ing $1,000 a month.” Ridge; you can do both. Pathstones is taking care of
and also have priority access to any of the Phoebe As an example, Hoffman mentions a future your health and wellness for life, wherever you live.
communities. resident of Phoebe’s Chestnut Ridge at Rodale, a And theTerrace or Chestnut Ridge are there if you
A Powerful Combination planned retirement community that will trans- want the amenities; the meals; the socialization that
form the former Rodale corporate campus into a being in a community offers.”
“You can combine Pathstones with any of our in-
dependent living communities,” says Brynn Buskirk, wellness-focused residential destination for people Those amenities are just one reason depositors
ages 60 and older. Existing facilities will be adapted
vice president of marketing and community rela- into apartments with spacious floor plans, and all Richard and Charlotte Cruse chose Chestnut
tions for Phoebe Ministries. Because the Pathstones construction will prioritize limiting disturbance of Ridge.“We always knew that a continuing care
program and Phoebe communities are member- existing green space.The project will even utilize retirement community was our eventual goal,” they
ship based, you’d “essentially become a member of some of the campus’s current, unique features, say. “There would come a time when we would
both,” she says,“and when you put them together including the walking and biking trails once used by not want to worry about everyday maintenance
it offers you financial protection, asset preservation, Rodale employees.The facility will offer a commu- of the house and eventuality of the need for major
the opportunity to proactively plan for care for life, nity wellness coordinator, active lifestyle programs, repairs. The newness of Chestnut Ridge, allowing
all kinds of good things for your future.” and community spaces and amenities focused on us to customize our home made this a unique
Pathstones, which is licensed by the Pennsylvania wellness. opportunity. In addition, the activities program, the
Department of Insurance,“is what we call a Life “We have a depositor for Chestnut Ridge who dining and housekeeping options, and the availabili-
Plan contract,” says Lisa Hoffman, executive direc- is also a member of Pathstones,” Hoffman says. ty of an on-site gym are just some of the amenities
tor of Pathstones by Phoebe. “What that means “She is going to pay her entrance fee to move to that interested us.”
is to become a member, you pay an entrance fee Chestnut Ridge, and then her monthly fee to live in To learn more about Pathstones by Phoebe,
and a monthly fee.And then we really pick up all her apartment. She’s also going to pay her monthly Chestnut Ridge at Emmaus, or any of Phoebe’s
of your medical expenses for the rest of your life, fee to be a member of Pathstones. Should she other active retirement or continuing care commu-
with no limit.” need to move to personal care, rather than her nities, visit phoebe.org or call 610-435-9037.