Paying for assisted housing and home care in Missouri (2023)

Contents

• Missouri Aged Care Costs in 2023
• Missouri Medicaid Financial Assistance Programs
• Missouri Non-Medicaid Tools
• Program PACE w Missouri
• Other financial care options
• Finding Affordable Care in Missouri
• Best Elder Care Cities in Missouri

This website is designed to help Missouri residents understand the costs of aging and long-term care, such as assisted living, home care, and adult day care statewide. Various financial assistance programs and payment options are being explored to help care for the elderly. This may be at home or in an inpatient care facility.

Missouri Aged Care Costs in 2023

Assisted Living/Memory Care

In Missouri as of 2020 byGenworth Healthcare Costs Survey 2019, the statewide median cost of assisted living is $2,881 per month, well below the national average of $4,051 per month. The cheapest assisted living in Missouri can be found in the Joplin area, where the average monthly cost for assisted living is $2,750. st. Joseph and Kansas City have monthly costs in line with the statewide average of $2,880 to $2,898. Cape Girardeau and Springfield have costs above the statewide average for assisted living but still below the national average of $3,224 to $3,309 per month. People living in the Columbia, Jefferson City, and St. Louis should be aware that these areas have the most expensive assisted living, but again this is below the national average. Here, the monthly average is between $3,750 and $3,848.

Alzheimer's care, also known as memory care, is also available in dementia care centers. Due to the higher level of security and supervision, the cost is approximately 20% - 30% higher than traditional assisted housing. An additional fee of approximately $687 - $962 per month should be included.

home care

ForGenworth's 2019 Cost of Care - enquête, the cost of non-medical home care in Missouri averages $22.00/hour. statewide in 2020. Jefferson City, Springfield, and Cape Girardeau have the most affordable hourly homecare costs in the state at $17.38–$21.16/hour. st. Joseph is also slightly below the statewide average of $21.75 an hour. In Kansas City, Columbia and St. Louis, the average hourly wage is $22.00, which is the statewide average. The most expensive home care is in Joplin, where the average cost per hour is $23.63.

Missouri also has home healthcare provided by trained physicians. On average, the cost per hour corresponds to the cost of home care. However, in areas of St. Louis, Jefferson City, and Kansas City average $1.00-$2.00 more per hour.

Adult daycare

The statewide average cost of childcare in Missouri is $82 per day in 2020, as indicated byGenworth Healthcare Costs Survey 2019. area of ​​St. Joseph offers the cheapest childcare for $65 a day. In the cities of Cape Girardeau, Kansas City, St. Louis and Springfield, the average daily rate is close to the statewide average, ranging from $80 to $85. The most expensive daycare is in Boone and Cole counties (Jefferson City and Columbia areas), where it averages $92 - $96 per day. Note that adult daycare is often billed in half-day increments.

Helpful resources

• Get Medicaid-eligible help
• Alternatives to nursing homes
• Seek financial help for care
• Find affordable aged care

Missouri Medicaid Financial Assistance Programs

Medicaid programs and exemptions for the elderly

State Medicaid plan

Medicaid is a program that provides health insurance to low-income residents of the United States. While the federal government sets specific guidelines for the program, each state is free to administer the program at its discretion, within parameters set by the government. In Missouri, the Medicaid program is called MO HealthNet. As in other states, Missouri's Medicaid plan covers the cost of nursing home care, as well as some home and community services.

ZMissouri-zorgoptia(MCO), part of the state's Medicaid plan, provides home and community care services to reduce the frequency of nursing home placements. This program is an entitlement, meaning anyone who qualifies can use the services. Benefits include personal care, domestic help, nursing care, adult day care and respite care.

Missouri's Medicaid plan allows you to self-direct non-medical personal care through MO HealthNetConsumer-facing service program. Friends and selected family members can be hired for care as long as they are registered with MO HealthNet.

Medicaid exemptions

Missouri also offers Medicaid exemptions for Home and Community Services (HCBS). These exemptions provide long-term care for the elderly and/or disabled. It allows them to live in a home or community rather than in a nursing home. This is a win-win situation as home and community care is less expensive than home care. It allows you to save money and the person can continue to live independently.

ZExemption for the elderly and disabled(ADW) provides home care for seniors who require nursing home level care. Benefits include handyman services, adult day care, respite care, home delivery meals and housekeeping services. Unlike the MCO program mentioned above, this program is not eligible and has a limited number of places available to eligible applicants.

ZAdditional nursing care(SNC) provides financial assistance for health care costs related to living in a care facility, such as assisted living.

ZSecure an independent life(ILW) program is for adults with physical disabilities. Although those who enroll in this program before age 64 may still receive services under this waiver. Assistance with personal care, home modification, and specialized medical devices and aids is reimbursed by ILW. This waiver allows you to direct personal care yourself, meaning seniors can hire a caregiver of their choice. This includes some family members.

Medicaid Eligibility

Eligibility for Medicaid for long-term care depends on an individual's level of functioning, assets, and income. As of July 2020, senior applicants may have up to $5,000 in cash, which refers to cash assets or assets that can be easily converted to cash. However, several assets are considered exempt or uncountable against Medicaid's asset limit. This includes the person's home because they or their spouse live in the home and it is valued at less than $595,000. The monthly income limit is 85% of the Federal Poverty Level (FPL). As of April 2020, the amount is $904 per month ($10,848 per year). Married applicants, where both spouses apply for Medicaid services, receive a higher level of income and assets. A couple can have an income of up to $1,437 a month ($17,244 a year) and assets of up to $10,000. Please note that the Elderly and Disabled Waiver offers applicants a higher level of income.

If a single applicant or couple exceeds the allowable income and/or assets, Medicaid eligibility is still possible. In this case, however, you would need to consult a Medicaid planning professional for help. Medicaid eligibility can be complicated, and this gives someone the best chance of qualifying for Medicaid services.Learn more.

Eligibility requirements may vary slightly if you are applying for a Medicaid exemption.

Missouri Non-Medicaid Tools

Missouri's Pharmacy Assistance Program, often referred to as the MORx or Missouri Rx Plan, provides financial assistance of up to 50% copayments and prescription drug deductibles. Program participants must be eligible for both Medicaid and Medicare. See additional eligibility requirementsHere.

You can also find additional non-medical help under the Older Americans Act, available through your local Aging Agency (AAA). Services often vary by area of ​​residence and the AAA office that serves them.Find your local AAA here.

Program PACE w Missouri

ZComprehensive care program for the elderly(PACE) is a joint Medicare and Medicaid initiative to help seniors get the care and services they need in the community rather than moving to a nursing home for care. Because Medicaid varies from state to state, eligibility for PACE varies from state to state.

Missouri's PACE program provides care to seniors in the state who require nursing home care but are not currently residing in a nursing home. Seniors receive care from providers covered by state Medicare and Medicaid programs as long as:

• Over 55 years old
• Live in the provider's designated service area (St. Louis)
• Certified by the State of Missouri as meeting the level of care requirements
• Safe living in the community

How to get started with PACE in Missouri

To apply for PACE in Missouri, contact your provider directly, who will coordinate with Missouri Medicaid,MO Division HealthNet (MHD). However, you do not need to qualify for Medicaid or Medicare to receive PACE services; they accept private payments.

Other financial care options

In addition to state-sponsored options, there are several ways to get help paying for care. Other options to consider include programs at the federal level as well as local and non-profit routes. UsResource search toolis an excellent source for finding such cheaper programs and should be used to find the program that best suits your needs.

Finding Affordable Care in Missouri

As you can see from the numbers above, the cost of elder care varies greatly across Missouri. To best control the cost of care, you need to find the most affordable care possible. Our organization is partnering with several organizations to help with this task by offering a free service that meets your specific health care needs with health care providers where you live.Click here for affordable care.

Best Elder Care Cities in Missouri

Click the links below to learn more about costs and resources available in Missouri cities.

• Invoices
• Colombia
• Kansas City
• North Kansas City
• Sint Karel
• Saint Louis
• Saint Louis Province
• Springfield

Related pages

• Affordable assisted living in MO
• Seek financial help for care
• Find affordable home care