Calculate senior care costs by state for in-home care, assisted living, and nursing homes. Includes Medicare and Medicaid coverage guide. Free tool.
The national median for assisted living is $4,500-$5,000/month. Costs range from $2,500 in rural areas to over $8,000 in expensive cities. Memory care adds 20-30% to standard assisted living costs.
Medicare covers skilled nursing facility care only after a 3-day hospital stay, and only for up to 100 days. After day 20, there is a daily copay. Medicare does NOT cover long-term custodial (non-medical) care.
In-home care provides assistance in your own home (typically $25-$30/hour). Assisted living is a residential facility with meals, personal care, and activities. In-home care is often cheaper for part-time care needs.
Options include long-term care insurance, Medicaid (after spending down assets), veterans benefits (VA Aid & Attendance), reverse mortgage, family contributions, and life insurance accelerated benefits.
A geriatric care manager is a trained professional who assesses care needs, coordinates services, and advocates for seniors. They can help navigate complex care decisions and typically charge $100-$200/hour.
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