Understand the True Cost of Care

As care needs increase (e.g., help with more daily tasks or medication), additional staffing and services are required, which typically triggers a move to a higher care tier and a higher monthly cost.

Yes, typically 20-40% more. This is due to the higher staff-to-resident ratios, specialized dementia training, enhanced security features (like alarmed exits), and dedicated programming required for cognitive support.

No. Medicare is health insurance and does not cover 'custodial care' or long-term room and board in assisted living. It only covers medically necessary skilled nursing or therapy for a limited time.

In many states, yes—through HCBS (Home and Community-Based Services) waivers. However, availability is limited, eligibility rules are strict, and not all facilities accept Medicaid.

A community fee (often $2,000-$5,000) is a one-time upfront cost covering administrative move-in expenses and apartment prep. It is typically non-refundable, though some portions may be under specific contract terms.

Most communities implement annual rate increases of 3% to 7% to cover rising labor, food, and utility costs. Always ask for the historical increase data for the last 3 years.