12 Assisted Living Communities in Palm Beach Gardens, Florida

The average cost of assisted living in the city is $3,350 a month. This guide is a starting point covering the cost of assisted living care in the city, as well as financing options to pay for it. You’ll find in-depth information on 12 Assisted Living Communities in Palm Beach Gardens and several in surrounding areas.

• Assisted living: $3,350
• Nursing home semiprivate room: $8,699
• In-home care: $3,337
• Adult day health services: $1,408

According to the Genworth 2018 Cost of Care Study, the average monthly cost of assisted living in Palm Beach Gardens is below the national average ($4,000) and the state average ($3,500). The cost of assisted living care in Jacksonville, the most populous city in Florida, is over $1,000 more than in Palm Beach Gardens. Less expensive assisted living can be found in both Orlando ($3,275) and Sebring ($3,038). 

Senior care cost data is not available for Palm Beach Gardens. Data for the nearest city, Miami, has been used instead.

The type of care required is one of the biggest factors affecting the cost of care in Palm Beach Gardens. The monthly cost of assisted living ($3,350) is less than half of nursing home care ($8,699) in the city. When compared with home care services, the cost of assisted living in Palm Beach Gardens is similar, however, that doesn’t take into account the additional costs related to living at home such as rent/mortgage payments and general upkeep of the home, which are typically included in the cost of assisted living.  Cost of Homemaker/Home Health Aide Comparison Chart

• Assisted living: $3,350

• Homemaker services: $3,337

• Home health aide: $3,432

• Adult day health: $1,408

• Nursing home care (semiprivate room): $8,699

 

In Florida and throughout the country, Medicaid is available to low-income families and individuals and provides financial assistance and access to healthcare services. Florida’s Medicaid program is managed jointly by the Florida Department of Children and Families (DCF) and the Social Security Administration. The DCF is responsible for determining the eligibility of most applicants to the state’s Medicaid program including seniors and disabled persons, while the Social Security Administration qualifies applicants who receive Supplemental Security Income. 

Florida’s Medicaid Managed Care Long-Term Care Program operates under the state Medicaid program and provides seniors with access to care in assisted living facilities and nursing care homes. In addition to the cost of care, this program covers additional health care costs, including doctor visits, dental care, hospitalization, prescription medication and nonmedical transportation.

To qualify for the Managed Care Long-Term Care Program, seniors must be 65 years of age or older and submit to a complete care assessment to determine the type of care they require. Financial requirements of Florida’s Medicaid programs stipulate that applicants may not have an income that exceeds $16,040 when applying alone, while couples may not have an income that’s higher than $21,599. The Managed Care program is capped, which usually means there are substantial waiting lists for applicants wanting to participate in the program. 

Seniors can contact the Florida Department of Elder Affairs at (800) 963-5337 to obtain more information about the application and wait-list times. 

Program of All-Inclusive Care for the Elderly (PACE)

Florida’s PACE program is aimed at seniors who require a nursing level of care. Its intention is to provide no-cost or low-cost access to a variety of home and community-based services that may help them to avoid institutionalization. Services provided by PACE may include assisted living or home care services, nonmedical transportation and case management. Participants of PACE receive all types of health care and long-term care from a single provider. PACE is administered by the Department of Elder Affairs. 

To be eligible for PACE, applicants must be 55 years of age or older. They must also be able to live safely in their own home or in an assisted living facility and a care assessment is required to determine the applicant’s level of need. Financially, applicants are subject to the same requirements as the Medicaid Managed Care Long-Term Care Program.

To apply for PACE, seniors living in Palm Beach Gardens can call (561) 868-2999.

Optional State Supplementation

Seniors who receive Supplemental Security Income may qualify for Florida’s Optional State Supplementation (OSS). OSS is a cash benefit that’s designed to provide seniors who receive long-term care with additional funding for room and board costs, which aren’t typically covered by Medicaid programs. 

OSS benefit amounts are determined by the applicant’s living situation and current income. The maximum payout is $78.40 per month. Seniors applying for OSS may not have a monthly income exceeding $849.40 and may not have assets that are valued higher than $2,000. 

Seniors who wish to apply for OSS can contact ACCESS Florida at (866) 762-2237. 

Long-Term Care Insurance

A long-term care insurance policy covers the cost of assisted living or nursing home care. Policyholders typically purchase their policies earlier in life, prior to reaching the point of needing long-term care. After paying the deductible, and if applicable, the co-pay amount, seniors can have their insurance provider pay for their care or reimburse their costs. Most policies require that deductibles are paid annually. 

Each long-term care insurance provider has different eligibility guidelines and policy terms, but typically, anyone who is in poor health does not qualify for long-term care insurance. 

Elderlife Bridge Loan

Elderlife Financial Services provides seniors with an alternative payment method while they await permanent funding. While they must be repaid in full, bridge loans offer seniors some relief when it comes to paying the cost of care in assisted living facilities. Elderlife Financial pays the cost of services in full on behalf of seniors who are approved for a bridge loan. Seniors then pay the loan back in monthly installments. Loans are available with low interest rates and flexible terms. 

While eligibility is determined by income and credit history, seniors may include up to six cosigners on their application, which may increase the likelihood of approval and reduce monthly payments. Seniors can learn more about Elderlife bridge loans or start their application by calling (888) 228-4500. 

Americans who have served in the military, and their family members, are often eligible for benefits through Veterans Affairs (VA). Seniors can inquire about available benefit programs at their local Veterans Services office. Eligible seniors can receive health care services at VA clinics. 

VA Medical Center
7305 North Military Trail, Riviera Beach, Florida 33410
(561) 422-8262

Palm Beach Veterans Services
810 Datura Street, West Palm Beach, Florida 33401
(561) 355-4775

Senior Homes has an extensive directory of senior living options, with care and living providers across the United States.