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Understanding the Differences Between Types of Continuing Care Retirement Communities (CCRCs)

Sandra Cook on May 15, 2025

As you or your loved ones begin exploring retirement living options, one important concept to understand is the Continuing Care Retirement Community (CCRC)—also known as a Life Plan Community. These communities are designed to support older adults as they age, offering peace of mind, lifelong care, and vibrant living on a single campus.

But not all CCRCs are created equal.

There are three primary types of contracts offered by CCRCs: Type A (Life Care), Type B (Modified), and Type C (Fee-for-Service). At Emerald Heights in Redmond and Heron’s Key in Gig Harbor, we offer Type A Life Care contracts, the most comprehensive and predictable option.

Let’s explore the differences between each contract type so you can make an informed choice for your future.

Type A: Life Care (Offered at Emerald Heights and Heron’s Key)

What is it?
Type A is the most all-inclusive CCRC contract. Residents pay a one-time entrance fee and a consistent monthly service fee that covers most future health care needs—no matter how those needs change.

Key Benefits of Type A:

  • Predictable Costs: Your monthly service fee remains stable even if you transition to assisted living, memory care, or skilled nursing.
  • Onsite Care: Seamless access to all levels of care without leaving your community.
  • Tax Advantages: A portion (about 30–36%) of your entrance fee may be deductible as a prepaid medical expense.*
  • Low Second Occupant Fees: Great for couples—even if each requires a different level of care.
  • Lifelong Security: You’ll never be asked to leave due to rising healthcare costs.

Type A Life Plan Communities like Emerald Heights and Heron’s Key are ideal for those seeking long-term financial protection and a plan for the future.

🏡 Explore Emerald Heights – Life Plan Community in Redmond, WA
🌊 Discover Heron’s Key – Senior Living in Gig Harbor, WA

Type B: Modified Plan

What is it?
Type B contracts offer some of the benefits of Type A but with limits. You may receive a discounted rate for a defined period if you need care—but once that period ends, you’ll pay market rates.

Considerations:

  • Lower entrance fees than Type A.
  • Limited or discounted healthcare included.
  • Couples may incur separate full fees if they need different levels of care.
  • Health services may be offsite.
  • Refundable entrance fees may be available—but are often contingent on resale of the residence.

This model may appeal to individuals seeking lower up-front costs but still want a degree of protection.

Type C: Fee-for-Service

What is it?
Type C is the most flexible—and potentially riskiest—option. You’ll pay a lower entrance fee and monthly service fee while living independently, but when care is needed, you’ll pay full market rates for assisted living, memory care, or skilled nursing.

Best For:

  • Individuals confident in covering future healthcare expenses out-of-pocket.
  • Those with robust long-term care insurance.

While the initial costs are lower, future care could become significantly more expensive.

Choosing the Right Life Plan Community in Washington State

In Washington, roughly:

  • 1/3 of CCRCs offer Type A Life Care contracts.
  • 1/4 offer Type B.
  • The rest are Type C Fee-for-Service models.

If peace of mind, cost predictability, and onsite access to multiple levels of care matter most to you, a Type A community like Emerald Heights or Heron’s Key may be your best fit.

Why Emerald Heights and Heron’s Key Stand Out

Both Emerald Heights and Heron’s Key are Type A Life Plan Communities in Washington State offering:

  • A vibrant lifestyle for active seniors.
  • Access to onsite healthcare, including memory care and skilled nursing.
  • Strong resident communities and lifelong friendships.
  • Financial confidence and long-term security.

Whether you’re drawn to the natural beauty of Redmond or the scenic waterfront in Gig Harbor, our communities help you plan confidently for the future—without sacrificing the joy of today.

Living with Purpose and Health: The Emerald Heights Approach to Longevity

Sandra Cook on March 7, 2025

In today’s fast-paced world, the concept of aging is evolving. No longer is retirement solely about relaxation; it’s about thriving—physically, mentally, and socially. At Emerald Heights and Heron’s Key, we embrace a holistic approach to aging, ensuring that longevity is not just about adding years to life, but life to years.

Many senior living communities are only now beginning to adopt wellness-based cultures, but at Emerald Heights, wellness has always been at the core of our philosophy. Our residents frequently outlive the national average for those in retirement communities, and we believe this is no coincidence. A combination of purposeful living, a strong sense of community, and a commitment to health-focused initiatives contribute to their vibrant and extended lifespans.

Take, for example, Marge—one of our cherished residents—who, at 103 years old, continues to live independently. Her story is inspiring, but she is far from the only example of the vitality found within our community. Every resident has the opportunity to embrace a lifestyle that fosters growth and well-being in seven critical dimensions of wellness: emotional, social, spiritual, intellectual, environmental, physical, and vocational.

At Emerald Heights, wellness is an action, not just a concept. This commitment is evident in our vast array of programs and activities, designed to engage every facet of well-being. With over 40 resident-led committees and more than 400 activities offered each month, residents have the opportunity to pursue lifelong interests while also exploring new passions. Whether it’s through social gatherings, lifelong learning initiatives, fitness programs, or volunteer work, our residents find fulfillment and purpose in their daily lives.

A key component of our approach is the emphasis on nutritious, sustainably sourced meals. Diet plays a crucial role in longevity and quality of life, and our dining services ensure that residents have access to meals that nourish both body and mind.

Ultimately, longevity is only meaningful when it is paired with purpose and vitality. At Emerald Heights, we provide an environment where individuals can continue to grow, contribute, and lead fulfilling lives—at every age and every stage. Wellness is not just a goal; it is our way of life.

Boost Your Heart Health with These Simple Tips

Sandra Cook on February 7, 2025

Heart Disease is the leading cause of death in older adults.

As we age, taking care of our heart health becomes more important than ever. At Emerald Heights, a leading senior living community in Redmond, WA, we understand that maintaining cardiovascular health is key to living a long, vibrant life.

February is Heart Health Month, and it’s the perfect time to focus on simple, practical steps to protect your heart. In this blog, we’ll share expert tips that are easy to incorporate into your daily routine, ensuring you can continue enjoying a healthy, active lifestyle.

Why Heart Health Matters for Seniors

As we age, the risk for heart disease increases, making heart health a top priority for seniors. According to the CDC, heart disease is the leading cause of death for older adults, but the good news is, with a few lifestyle changes, many heart problems can be prevented or managed.

At Emerald Heights, we’re committed to helping our residents lead heart-healthy lives, whether through physical fitness, balanced nutrition, or ongoing wellness support. Here are a few heart health tips to incorporate into your routine today.

1. Eat a Heart-Healthy Diet

A balanced diet is essential for maintaining healthy cholesterol levels, blood pressure, and overall heart function. Focus on nutrient-rich foods that support your cardiovascular health:

  • Fruits and Vegetables: Rich in fiber, vitamins, and antioxidants, they help lower blood pressure and reduce cholesterol.
  • Whole Grains: Foods like oatmeal, whole wheat bread, and brown rice help maintain healthy cholesterol levels.
  • Healthy Fats: Incorporate healthy fats, like those found in avocados, nuts, seeds, and olive oil, to reduce harmful cholesterol.

At Emerald Heights, our residents enjoy meals that are carefully crafted to promote heart health, ensuring they get the nutrients needed for optimal well-being.

2. Stay Active with Regular Exercise

Exercise is one of the best ways to boost heart health and keep your body strong as you age. Regular physical activity helps lower blood pressure, manage weight, and strengthen the heart.

At Emerald Heights, we offer a variety of fitness programs tailored to seniors, from low-impact activities like walking and swimming to chair yoga and strength training classes. Even small daily movements can make a big difference in your cardiovascular health.

Tips for Staying Active:

  • Walk Daily: A 20-minute walk each day can improve circulation and lower blood pressure.
  • Join Group Classes: Socializing while exercising can be motivating and fun! Look for group classes or walking clubs at your community.
  • Strength Training: Two or three times a week, engage in light strength training to keep muscles strong and improve heart function.

3. Manage Stress and Prioritize Mental Health

Chronic stress can take a toll on your heart health, raising your blood pressure and increasing the risk of heart disease. Finding ways to manage stress is essential for a healthy heart.

At Emerald Heights, we emphasize the importance of mental well-being with activities designed to relax the mind and reduce stress. Some effective strategies include:

  • Mindfulness and Meditation: Practicing mindfulness can help lower stress and improve mental clarity.
  • Relaxation Techniques: Try deep breathing exercises or progressive muscle relaxation to calm your nervous system.
  • Socializing: Spend time with friends and family in your community, or engage in activities that make you feel happy and connected.

4. Get Regular Checkups and Monitor Health

Regular health screenings and checkups are crucial for preventing heart disease. At Emerald Heights, we encourage residents to stay on top of their health by scheduling routine checkups with our healthcare team. Early detection of issues like high blood pressure, high cholesterol, and diabetes can help manage risk factors and prevent future heart problems.

Tips for Regular Heart Health Checkups:

  • Blood Pressure Checks: High blood pressure is a major risk factor for heart disease, so it’s important to monitor it regularly.
  • Cholesterol Screenings: Keeping cholesterol levels in check is vital for heart health.
  • Blood Sugar Levels: Diabetes can lead to cardiovascular issues, so maintaining healthy blood sugar levels is essential.

5. Stay Hydrated and Avoid Smoking

Proper hydration plays an essential role in keeping your heart healthy. Water helps maintain healthy blood pressure and supports overall cardiovascular function.

Additionally, avoiding smoking or exposure to secondhand smoke is one of the best ways to reduce your risk of heart disease.

Whether you’re just beginning your heart-healthy journey or looking for ways to stay on track, our dedicated staff and resources are here to support you every step of the way.

Heart health is crucial for seniors, and with the right steps, you can significantly reduce your risk of heart disease. At Emerald Heights, we’re proud to offer resources, support, and a vibrant community to help you live a long, healthy, and fulfilling life. Make the most of Heart Health Month and start incorporating these simple tips into your daily routine. Remember, small changes can lead to big results—your heart will thank you!

Visit our website or contact our team today to learn more about how Emerald Heights can support your heart health and overall well-being.

Top 5 New Year Resolutions for Seniors to Embrace in 2025

Sandra Cook on January 6, 2025

Seniors celebrating the New Year

As we step into 2025, it’s the perfect time for seniors to reflect on the past year and set goals that enhance their well-being and happiness. At Emerald Heights, we understand that as we grow older, our priorities shift, and so do our resolutions. Here are the top five New Year resolutions for seniors in the United States, designed to promote a healthier, more fulfilling lifestyle.

1. Declutter Your Life As we age, we often accumulate belongings that may no longer serve us. Decluttering can be both a physical and emotional process, leading to a more organized and stress-free living environment. Start small by tackling one room or a specific category of items at a time. Not only does this create more space, but it also brings a sense of accomplishment and peace.

2. Maintain a Healthy Brain Cognitive health is crucial as we age. Engaging in activities that stimulate the brain can help maintain mental sharpness. Consider incorporating puzzles, reading, or learning a new skill into your daily routine. Additionally, social interactions and regular physical exercise are known to boost brain health, making them essential components of your resolution.

3. Sleep Better Quality sleep is vital for overall health, especially for seniors. Establishing a consistent sleep schedule and creating a comfortable sleep environment can improve sleep quality. Avoiding caffeine and electronics before bedtime and practicing relaxation techniques like meditation or deep breathing exercises can also contribute to better rest.

4. Eat Healthier Nutrition plays a significant role in maintaining good health as we age. Adopting a balanced diet rich in fruits, vegetables, whole grains, and lean proteins can enhance your energy levels and immune system. Consider consulting a nutritionist to create a personalized meal plan that caters to your specific health needs and goals.

5. Try Something New Exploring new hobbies or classes can add excitement and purpose to your life. Whether it’s painting, gardening, or learning a new language, trying something new can invigorate your daily routine and provide opportunities to meet like-minded individuals. This year, make it a point to step out of your comfort zone and discover new passions.

Conclusion: New Year resolutions for seniors are about embracing changes that enhance quality of life. At Emerald Heights, we support our residents in achieving their goals for a healthier, happier future. By focusing on decluttering, brain health, better sleep, healthier eating, and trying new activities, 2025 can be your best year yet. Visit us to learn more about how we can help you achieve these resolutions and live life to the fullest.