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

Assisted living


  • 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

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Page revised/updated - March 7, 2023


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.

While the programs presented here cover everything available in Missouri, they do not cover everything available nationally. To find the most appropriate care for your needs and budget, seek help across the country using oursResource search tool.

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Missouri Aged Care Costs in 2023

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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.

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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.

(Video) How to Find Assisted Living for My Mom on a Limited Budget? CASE STUDY

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.

PACE provider


Supported areas

New Horizons-pace

(833) 654-7223)

St. Louis

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.

(Video) Nursing Home Prices and how to pay Them

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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

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Related pages

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

I am looking for financial help in caring for the elderly

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  • Search over 400 programs


(Video) How Profitable Is Owning A Senior Living Facility || Residential Assisted Living


Does Missouri Medicaid pay for assisted living facilities? ›

MO HealthNet (Medicaid): Provides coverage for personal care assistance within residential care facilities, assisted living facilities, and most services in skilled nursing facilities including room and board. To qualify, the person must first meet financial guidelines and require nursing home level of care.

How is most assisted living care usually paid for? ›

Most assisted living residents pay for assisted living from their personal resources (“private pay”) or with help from the coverage provided by long-term care insurance. Adult children often help with expenses, as well.

Does Medicaid pay for home health care in Missouri? ›

Does Missouri Medicaid cover home health care? Missouri Medicaid, also known as MO HealthNet, does cover home health care of all kinds. Seniors and disabled individuals who are Missouri residents and who qualify for Medicaid in Missouri will be able to receive home health care that is covered by Missouri Medicaid.

What happens to senior citizens when they run out of money? ›

Aging adults without money to support them through the rest of their lives can stay in a nursing home for up to 100 days—and Medicaid will cover the cost for this brief period. Seniors who reside in an assisted living facility and run out of funds will be evicted.

Can a family member be paid as a caregiver in Missouri? ›

Veteran Directed Home & Community Based Care in MO

The caregiving family member will be paid the hourly rate determined by the VA, typically $8-$21 per hour.

What is the income limit for Medicaid in Missouri? ›

Medicaid expansion extends coverage to adults under age 65 with household incomes up to 138% of the poverty level. In 2023, that amounts to $20,120 for a single individual, and $34,3065 for a household of three (children were already eligible for Medicaid at higher income levels).

What is the largest source of reimbursement for assisted living? ›

The largest source of reimbursement for subacute care is: Medicare.

How much does in home care pay in Missouri? ›

Salaries by years of experience in Missouri
Years of experiencePer hour
1 to 2 years-
3 to 5 years-
6 to 9 years$14.97
More than 10 years$15.34
1 more row

What assistance is available for seniors in Missouri? ›

Medicaid Programs & Waivers for the Elderly

In Missouri, the Medicaid program is called MO HealthNet. As with the other states, the Missouri state Medicaid plan will cover the cost of nursing home care, as well as some home and community based services.

How much does home health care cost in Missouri? ›

The cost of in home care in Missouri is about $200 less per month than the national average. Missouri home care costs $4,775 per month. The national average cost for one month of home care is $5,000. Costs for in home care will vary within the state of Missouri.

What happens to retired people with no money? ›

Without savings, it will be difficult to maintain in retirement the same lifestyle that you had in your working years. You may need to make adjustments such as moving into a smaller home or apartment; forgoing extras such as cable television, an iPhone, or a gym membership; or driving a less expensive car.

Is it possible to run out of money during retirement? ›

The first thing to understand is that running out of retirement money is possible. This typically happens when people don't plan carefully for their retirement income and essential expenses. As a result, they may spend more than expected or not have enough income to cover their costs.

How much does Missouri pay to take care of a family member? ›

As mentioned before, family members or friends can be hired as personal caregivers, except for spouses and legal guardians. As of January 2022, caregivers are paid an hourly rate of approximately $11.15 per hour.

Can my parents pay me to be their caregiver? ›

One of the most frequent questions asked at Family Caregiver Alliance is, “How can I be paid to be a caregiver to my parent?” If you are going to be the primary caregiver, is there a way that your parent or the care receiver can pay you for the help you provide? The short answer is yes, as long as all parties agree.

Does Social Security pay you to take care of a family member? ›

If your loved one is approved for disability benefits, you may be wondering how much Social Security caregiver pay is. Unfortunately, the SSA does not directly pay caregivers for taking care of a loved one. In other words, the SSA does not have a Social Security disability caregiver pay program.

What is the most money you can make on Medicaid? ›

In 2023 these limits are: $14,580 for a single adult person, $30,000 for a family of four and $50,560 for a family of eight. To calculate for larger households, you need to add $5,140 for each additional person in families with nine or more members.

How much can you make to get food stamps in Missouri? ›

State Of Missouri SNAP October 2022
Household Number of PersonsLimit CE Eligible MonthlyLimit Maximum Gross (130% FPL)
17 more rows

What is considered low income in Missouri? ›

You must have a net household income of less than $885 per month if single or widowed. You must have a net household income of less than $1,198 per month if married. Your assets cannot exceed $2,000 if single. Your household assets cannot exceed $4,000 if married.

What services do most assisted living facilities provide? ›

What Services are Provided?
  • Health care management and monitoring.
  • Help with activities of daily living such as bathing, dressing, and eating.
  • Housekeeping and laundry.
  • Medication reminders and/or help with medications.
  • Recreational activities.
  • Security.
  • Transportation.

What state has the most assisted living? ›

That's because Oregon and Washington have the highest rates of residential care use in the nation, according to data posted last Thursday by the Centers for Disease Control and Prevention (CDC).

What is the average cost of assisted living in the US nearly ________________ a year? ›

According to Genworth Financial, the national median cost of assisted living facilities in 2021 was $4,500 per month, or $54,000 annually, in the United States.

How much does a home health aide make in Missouri? ›

Home Health Aide Salary in the Missouri

Home Health Aide in Missouri earn an average of $25,520 per year (or $12.27 per hour).

How much does a host home provider earn in Missouri? ›

As of May 26, 2023, the average annual pay for the Host Home Provider jobs category in Missouri is $22,833 a year.

Does Missouri have cash assistance? ›

Temporary Assistance (TA) is a monthly cash benefit to help families in need cover costs for their children, like clothing, utilities, and other services. Most people who get help through TA will also need to participate in employment and training services through the Missouri Work Assistance (MWA) Program.

What is the access Missouri Grant? ›

Access Missouri Grant

Missouri offers grants to students who are Missouri residents and are attending a college or university in the state. Financial eligibility is determined by your Expected Family Contribution (EFC) as calculated through the Free Application for Federal Student Aid (FAFSA).

How much is the Missouri Access Grant? ›

Students who are eligible for the Access Missouri program are eligible for the Advanced Placement Incentive Grant. Eligible students can receive a one-time grant of $500, subject to state appropriations.

Can you live on Social Security only? ›

Living on Social Security alone is not only possible, but many retirees already accomplish that very feat every year. While the lifestyle associated with Social Security income isn't exactly luxurious, it doesn't have to equal rice and beans for the rest of your life, either.

What if Social Security is not enough to live on? ›

You can apply on the Social Security Administration's website or by calling 1-800-325-0778. For more help, the National Council on Aging has a “benefits check-up” website where you can learn about more than 2,000 resources available to struggling seniors by ZIP code.

How much do you need to retire with no bills? ›

The 25 times rule states that you need to save 25 times your annual expenses to retire. Note that is not 25 times your annual income, but 25 times your annual spending. If you think you'll spend $80,000 in retirement, then you would need to save about $2,00,000 ($80,000 X 25) to fully fund your retirement.

How can I save money if I don't get paid a lot? ›

Check out the following steps to start saving no matter what your income may be:
  1. Create a Budget. ...
  2. Open a Savings Account or Savings Pod. ...
  3. Drop Unneeded Monthly Memberships. ...
  4. Take a Hard Look at Your 'Unavoidable' Expenses. ...
  5. Save Money on Food. ...
  6. Save Money on Utilities. ...
  7. Commit to Buying Nothing New. ...
  8. Change Where You Keep Your Money.
Jan 4, 2023

How to make money fast? ›

How to make money fast
  1. Become a rideshare driver. ...
  2. 2. Make deliveries. ...
  3. Pet sit. ...
  4. Sell clothes and accessories online. ...
  5. Sell unused gift cards. ...
  6. Take surveys. ...
  7. Trade in old electronics. ...
  8. Host a yard sale.
May 8, 2023

Is it possible for a bank to run out of money? ›

This happens when people try to withdraw all of their funds for fear of a bank collapse. When this is done simultaneously by many depositors, the bank can run out of cash, causing it to become insolvent.

What is rule 100 in retirement? ›

According to this principle, individuals should hold a percentage of stocks equal to 100 minus their age. So, for a typical 60-year-old, 40% of the portfolio should be equities. The rest would comprise high-grade bonds, government debt, and other relatively safe assets.

What is the 95 rule for retirement? ›

He calls his approach a better Safe Withdrawal Method with “The 95% Rule.” You start by calculating 4% of your portfolio value every year. Then, to accommodate bad market years, you can withdraw either that 4% amount, or 95% of the amount you withdrew the previous year, whichever is larger.

How many years of cash should I have in retirement? ›

Despite the ability to access retirement accounts, many experts recommend that retirees keep enough cash on hand to cover between six and twelve months of daily living expenses. Some even suggest keeping up to three years' worth of living expenses in cash. Your emergency fund must be easy for you to access at any time.

What does Medicaid cover in Missouri? ›

Missouri adults with Medicaid have coverage for exams, x-rays, cleanings, fillings, and extractions. Click here for a list of Missouri dental providers who work with Medicaid and low-income or uninsured patients. Similarly to dental coverage, Medicaid vision coverage is different for adults and children.

What assets are exempt from Medicaid in Missouri? ›

Exempt Assets in 2023 for an applicant in Missouri include:

$2,000 if married. If the assets exceed the limit on the first of the month the applicant is ineligible for the entire month. ii. One home is exempt (equity limit $688,000) if planning to return, a spouse, a child under 21, or a disabled person resides in it.

Is MO HealthNet the same as Missouri Medicaid? ›

Missouri's Medicaid program is called MO HealthNet. MO HealthNet covers qualified medical expenses for individuals who meet certain eligibility requirements.

How long does it take to get approved for Missouri Medicaid? ›

Although federal guidelines require Medicaid applications to be processed in 45 days or less, the average time that it takes the state to approve an application is currently about 100 days.


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