11 Assisted Living Communities in Roswell, Georgia

The average cost of assisted living in the city is $3,390 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 11 Assisted Living Communities in Roswell and several in surrounding areas. The Cost of Senior Care in Roswell, GA

• Assisted Living: $3,390
• Nursing Home Care: $6,753
• In-home Care: $3,813
• Adult Day Health Services: $1,712

Seniors in Roswell pay an average of $3,390 per month for assisted living, according to the 2018 Genworth Cost of Care study. This is about $300 above the statewide average ($3,100) and almost $600 below the national average of $4,000. Monthly rates in the surrounding cities of Athens ($3,350), Rome ($3,200) and Gainesville ($3,500) are relatively comparable to those in Roswell. Costs elsewhere in the state vary significantly, from a low of $2,300 in Warner Robins to a high of $4,145 in the coastal city of Brunswick.

Note: Senior care cost data wasn’t available for Roswell. Data for the nearby metropolitan area of Atlanta was used instead.

The price of senior care in Roswell is directly related to the type of care needed and where it’s provided. Those who require full-time skilled nursing and round-the-clock services in a nursing home setting pay the highest monthly rates. Seniors attending an adult day health care center on a Monday-through-Friday basis pay the least, at roughly one-quarter the cost of nursing home care. In-home services provided by a homemaker or home health aide cost about $500 more per month than residential assisted living. Seniors should consider that assisted living fees usually include room and board, but rates for in-home care only cover the cost of health care services. The Genworth study’s average costs for in-home care don’t reflect the additional expenses of running a household, such as food, utilities, upkeep and rent or mortgage payments.

 

Low-income Americans with limited resources may be eligible for health care coverage through Medicaid. A jointly funded collaboration between the federal and individual state governments, Medicaid is the country’s largest health care program and serves more than 72 million people nationwide.

Georgia Medicaid offers coverage to eligible elderly, blind and disabled residents for medical care, long-term care in a nursing home and limited personal care services. To qualify, an applicant must be a U.S. citizen or qualified alien and aged 65 or older (or aged 64 or younger and blind or disabled). Applicants must also have a maximum monthly income of $2,313 per person and maximum assets of $2,000 for individuals or $3,000 for couples.

It’s important to note that while income from every source counts, certain assets are exempt, including a primary home valued at less than $585,000, household furnishings, personal belongings and one automobile.

Medicaid makes exceptions to these limits for married couples if only one spouse applies.

• A non-applicant spouse’s income is exempt, and an applicant may transfer up to $3,160.50 per month to their spouse if necessary to meet the required income limit
• A spouse remaining at home may also retain up to $126,420 of the couple’s joint assets

Those eligible for Supplemental Security Income benefits from the federal government are automatically enrolled in Georgia Medicaid and don’t need to apply. The qualifying limits for SSI are $771 in monthly income and $2,000 in assets for individuals, and married couples are limited to $1,157 in income and $3,000 in total assets.

Roswell seniors in need of medical or long-term care assistance can apply for Medicaid online or in person at the Sandy Springs’ Division of Family and Children’s Services office located at 8215 Roswell Road., suite 1100. Those who need assistance can call (877) 423-4746.

Georgia Medicaid Waiver Programs

Georgia Medicaid only covers long-term care in nursing homes. However, the program does offer two waivers that may provide assistance to seniors who wish to remain in the community instead of entering a nursing home. 

To qualify, seniors must meet the Medicaid eligibility requirements and be assessed as requiring a nursing facility level of care.

The Community Care Services program is administered by local Area Agencies on Aging. The agency assigns a care coordinator to assess an applicant’s needs in cooperation with their doctor. The coordinator then arranges and oversees the delivery of appropriate services. Available services and supports include personal care assistance and supervision provided in a licensed alternative living setting, such as an assisted living facility.

The Service Options Using Resources in a Community Environment program provides those who qualify with primary medical care and long-term care services in a community setting. Program enrollees are assessed, and a personalized care plan is developed to meet their particular needs. Covered services may include case management, personal supports and assisted living care.

Since the Medicaid waivers, CCSP and SOURCE, are not entitlements, approved seniors may be placed on a waiting list for services due to program enrollment caps.

To apply for either waiver program, Roswell seniors can contact the Atlanta Regional Commission Aging Division at (404) 463-3333 to start the assessment process.

Assisted Living Bridge Loan

Bridge loans from Elderlife Financial are designed to provide cash-strapped seniors the means to pay assisted living expenses over a short-term period of time. The loans are usually offered as a line of credit that allows the borrower to schedule automatic payments to their facility for monthly rent and care fees. Lump-sum loan disbursements are also available to cover larger expenses, such as entrance fees and buy-ins. Bridge loans are offered in terms of up to 12 months, which typically allows seniors ample financial breathing room while benefit applications are processed or a home or other assets are sold.

Interested seniors can apply for a bridge loan online or by phone. Contact Elderlife Financial Services at (888) 228-4500 to learn more.

Optional State Supplementation

Georgia residents eligible for federal SSI benefits and living in a licensed long-term care facility may also qualify for the Optional State Supplementation program. This state-funded benefit provides a $20 cash top up to a person’s monthly SSI payment, which may be used for expenses not covered by Medicaid, such as assisted living room-and-board costs.

To apply for SSI benefits and the OSS top up, Roswell residents can contact the Social Security Administration at (800) 772-1213.

Senior Services of North Fulton’s mission is to promote independence and enhance the quality of life of county seniors. This nonprofit agency helps connect older residents with beneficial programs and services in their community and beyond. Roswell seniors can get help arranging mobility transportation, have their questions answered about health care programs such as Medicare and Medicaid, learn about available assistance for their prescription, hearing, vision and dental needs and receive guidance on available senior housing options, including assisted living. Senior Services of North Fulton
11381 Southbridge Pkwy., Alpharetta, Georgia 30022
(770) 993-1906

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