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With assisted-living facilities, regulations vary at the state level on what type of personnel must be present, and during what hours.A lack of medically trained staff can mean an overuse of emergency services and hospitalizations, a stressful and costly proposition for residents, experts say.

And since each facility uses different terms and has different pricing structures, comparison-shopping becomes very difficult.

Yet still-active boomers who are shopping for a community should at least think about what happens if they have a health emergency, experts advise.

“If I have a heart attack, I don’t want to be waiting for a medevac helicopter,” Logan says.

The differences among communities, of course, are very important to residents.

Active-adult communities are a “want-driven product,” says Gregg Logan, an Orlando, Fl.-based managing director of RCLCO, a real estate consultancy.

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