Best Memory Care Facilities That Will Accept Medicare (2024)
Some of the best memory care facilities that will accept Medicare offer specialized care for people struggling with Alzheimer’s and other types of dementia. All states and D.C. offer memory care facilities. Assisted living costs about $3,570/month on average, but Medicare can help cover expenses.
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Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
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UPDATED: Sep 20, 2024
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UPDATED: Sep 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- More than six million Americans live with Alzheimer’s or other forms of dementia
- The national average monthly price of assisted living is $3,570, but Medicare can cover most or all of that cost
- All 50 states and Washington DC have multiple assisted living facilities that may offer memory care
Learning that a loved one has been diagnosed with Alzheimer’s or other types of dementia can be both stressful and heartbreaking. You’ll likely be worried about all the little details concerning the care of your loved one.
The last thing you want to be worried about is where your loved one will stay. However, if you find yourself wondering, “Where are memory care facilities near me?” rest assured you have plenty of options.
If a loved one is ready to move into assisted living, you’ll need to figure out the expenses. Private health insurance will usually cover those expenses.
For people without insurance, Medicare is a great option. As long as they’re eligible, you’ll be relieved to know that Medicare can cover some or all of the costs.
The best thing to do before you find memory care facilities that accept Medicare is to check eligibility. You can also see Medicare rates by entering your ZIP code into our free tool.
Memory Care Facilities That Accept Medicare
While Medicare covers Americans from all walks of life, it’s most associated with seniors 65 and older. More than six million American seniors live with Alzheimer’s and other dementias.
Seniors with Alzheimer’s usually live in assisted living programs so that their needs can be reliably met. Assisted living also helps adult children by easing care responsibilities into the hands of professionals.
Unfortunately, assisted living programs can be expensive, especially without insurance. Luckily, seniors over the age of 65 qualify for Medicare. Medicare can cover most if not all of the costs associated with assisted living.
Wondering, “Where are nursing homes with memory care near me?” There are plenty of affordable memory care facilities that accept Medicare and Medicaid in your state.
Assisted Living Costs and Availability by State
State | Average Monthly Cost of Assisted Living | Facilities That Accept Medicare |
---|---|---|
Alabama | $3,057 | 223 |
Alaska | $6,000 | 17 |
Arizona | $3,500 | 119 |
Arkansas | $3,012 | 225 |
California | $4,275 | 1,155 |
Colorado | $3,850 | 198 |
Connecticut | $4,600 | 212 |
Delaware | $6,015 | 42 |
District of Columbia | $6,000 | 18 |
Florida | $3,100 | 661 |
Georgia | $2,800 | 353 |
Hawaii | $4,250 | 44 |
Idaho | $3,150 | 434 |
Illinois | $3,720 | 101 |
Indiana | $4,025 | 537 |
Iowa | $3,736 | 434 |
Kansas | $4,250 | 331 |
Kentucky | $3,445 | 275 |
Louisiana | $3,293 | 257 |
Maine | $4,890 | 101 |
Maryland | $4,150 | 222 |
Massachusetts | $5,599 | 395 |
Michigan | $3,500 | 439 |
Minnesota | $3,585 | 151 |
Mississippi | $3,332 | 198 |
Missouri | $2,700 | 506 |
Montana | $3,650 | 77 |
Nebraska | $3,785 | 213 |
Nevada | $3,400 | 53 |
New Hampshire | $4,855 | 74 |
New Jersey | $5,811 | 342 |
New Mexico | $4,000 | 72 |
New York | $3,988 | 616 |
North Carolina | $3,250 | 406 |
North Dakota | $3,018 | 80 |
Ohio | $4,178 | 945 |
Oklahoma | $3,033 | 294 |
Oregon | $4,020 | 131 |
Pennsylvania | $3,450 | 627 |
Rhode Island | $5,155 | 84 |
South Carolina | $2,865 | 156 |
South Dakota | $3,570 | 404 |
Tennessee | $3,595 | 292 |
Texas | $3,500 | 1,1145 |
Utah | $3,150 | 97 |
Vermont | $4,127 | 36 |
Virginia | $4,508 | 273 |
Washington | $4,660 | 218 |
West Virginia | $3,750 | 119 |
Wisconsin | $4,000 | 369 |
Wyoming | $3,415 | 38 |
Read more: Best Nursing Homes That Will Accept Medicare
As you can see, some states are far more expensive than others. Luckily, each state has more than enough care facilities.
If you’re looking for life insurance for someone with Alzheimer’s, check out our guide, Life Insurance for Alzheimer’s Patients (Discounts & Rates)
Do all assisted living facilities provide memory care?
Memory care requires specialized staff training, more programs, extra facilities, and better security for residents. Because of this, memory care tends to run about 20 to 30% more expensive than regular assisted living.
Depending on your healthcare deductible, assisted living with memory care can get expensive quickly.
For a better understanding of how health insurance works, read, How to Buy Health Insurance Guide.
Not every assisted living facility has the capability of providing memory care. When you’re shopping for quotes from memory care facilities that accept Medicare, you should also inquire if they provide the services you need.
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What does Medicare cover for memory care?
While Medicare covers a lot of the expenses with assisted living, it won’t cover everything. However, it does cover a lot:
- Inpatient hospital care
- Hospital supplies
- Semi-private rooms
- Diagnostic testing
- Meals
- 100 days of home care with a nurse
- Nursing care
- Hospice
- Medications
There are other ways to pay if rates from memory care facilities that accept Medicare aren’t entirely covered.
- Private insurance – If a senior has their own insurance, it will usually make up for what Medicare doesn’t cover.
- Personal savings – Assisted living can always be paid for out-of-pocket, which can come from the senior’s savings, or from friends, family, or you.
- Retirement benefits – When a senior is receiving retirement benefits, those can be directly applied to assisted living.
- Help from organizations – There are many organizations out there that will help people struggling to pay for senior care.
Find Memory Care Facilities That Accept Medicaid and Medicare
Dealing with dementia and Alzheimer’s takes a team, but one thing you shouldn’t have to handle alone is finances. Getting your loved one in the perfect assisted living facility that can care for their unique needs doesn’t have to feel impossible.
If you’re ready for rates from memory care facilities that accept Medicare, it’s best to shop around. Enter your ZIP code into our free tool to get started seeing quotes today.
Frequently Asked Questions
What are memory care facilities?
Memory care facilities are specialized care facilities for individuals who are experiencing memory loss due to conditions such as Alzheimer’s or dementia. These facilities provide specialized care, activities, and support to help individuals with memory loss maintain their quality of life.
Will Medicare cover the cost of memory care?
Medicare does not typically cover the cost of memory care. However, some services related to memory care, such as medication management and therapy, may be covered under Medicare Part B. It is important to check with your specific plan and facility to determine what services may be covered.
What are the best memory care facilities that accept Medicare?
The best memory care facilities that accept Medicare will vary depending on your specific location and needs. It is important to research and visit multiple facilities to find the one that is the best fit for you or your loved one. Some well-regarded memory care facilities that accept Medicare across the United States include Brookdale Senior Living, Sunrise Senior Living, and Atria Senior Living.
How do I know if a memory care facility is right for me or my loved one?
Choosing a memory care facility can be a difficult decision. Some factors to consider when selecting a facility include the staff-to-patient ratio, the level of specialized care provided, the available activities and amenities, the location and proximity to loved ones, and the overall atmosphere and culture of the facility. It is also important to visit the facility in person and speak with current residents and staff to get a better understanding of what the facility is like on a day-to-day basis.
What questions should I ask when visiting a memory care facility?
When visiting a memory care facility, some questions to consider asking include:
- What is the staff-to-patient ratio?
- What specialized services and support are provided for individuals with memory loss?
- What is the process for developing and implementing care plans?
- What types of activities and amenities are available for residents?
- How is medication management handled?
- How are medical emergencies handled?
- What is the overall atmosphere and culture of the facility?
- What is the policy on family involvement and visitation?
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.