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According to <a href="https://www.genworth.com/aging-and-you/finances/cost-of-care.html" target="_blank" data-mce-href="https://www.genworth.com/aging-and-you/finances/cost-of-care.html" rel="noopener noreferrer">Genworth’s 2018 Cost of Care study</a>, seniors in Louisville pay 15 percent less for assisted living services than the national average. Although local rates are very close to the state’s median, prices vary widely between Kentucky’s major metropolitan areas. At $3,498 per month, assisted living services in Louisville are almost twice as expensive when compared to Owensboro and 24 percent more expensive than Elizabethtown. On the other hand, the local cost is about 15 percent lower than Lexington where residents pay $4,050 a month for the same services.

Assisted Living Costs in Louisville

Cost of Assisted Living Comparison Chart

Geographic factors, such as higher housing and transportation costs in major cities, affect the average price of senior care. However, the level of assistance that seniors require and where they choose to receive these services also determine expenditures. Daytime health care programs are typically the most affordable option, but they may not address all of the person’s daily needs. Seniors who would like assistance with cleaning, meals and errands or activities of daily living may benefit from a homemaker service or home health aide. Although there are slight differences between these paraprofessionals, the cost of full-time care is generally comparable to an assisted living facility. Additionally, this option has the advantage of allowing seniors to age in place. For elderly or disabled adults with considerable medical needs, skilled nursing facilities are typically the most suitable option. Compared to assisted living, nursing care is approximately twice as expensive. Due to the high cost, many individuals choose to receive these services at home. In some cases, Medicaid waivers offered by the Kentucky Cabinet for Health and Family Services cover the expense. Cost of Homemaker/Home Health Aide Comparison Chart 
<li>Assisted living: $3,498</li>
<li>Homemaker services: $4,290</li>
<li>Home health aide: $4,385</li>
<li>Adult day health: $1,430</li>
<li>Nursing home care (semiprivate Room): $7,087</li>

Care Cost Comparison

Cost of Homemaker/Home Health Aide Comparison Chart

Financial Assistance for Assisted Living in Louisville

Home and Community Based Waiver The KAR 1:160&nbsp;<a href="https://chfs.ky.gov/agencies/dms/dca/hcbsb/Pages/hcb-waiver.aspx" target="_blank" data-mce-href="https://chfs.ky.gov/agencies/dms/dca/hcbsb/Pages/hcb-waiver.aspx" rel="noopener noreferrer">Home and Community Based Services Waiver</a> is a valuable resource for Medicaid-eligible seniors who would prefer to live in their own home rather than moving into a skilled nursing facility. This waiver assists seniors with the cost of home health aides that are hired independently or employed by an agency. It also covers the cost of adult day health care, delivered meals, respite services for primary caregivers and certain home modifications. If you’d like more information about this waiver, contact the KIPDA Area Agency on Aging by calling (502) 266-6084. Kentucky Homecare Program Managed by the Department for Aging and Independent Living, Kentucky’s&nbsp;<a href="https://chfs.ky.gov/agencies/dail/Pages/homecare.aspx" target="_blank" data-mce-href="https://chfs.ky.gov/agencies/dail/Pages/homecare.aspx" rel="noopener noreferrer">Homecare Program</a>&nbsp;provides personal assistance, delivered meals and case management services to Kentuckians who are 60 or older and are unable to perform at least two activities of daily living. Because this is a non-Medicaid program, funds are allocated regionally. This is not an entitlement program, so applicants in the Louisville area may have to join a waiting list depending on current demand. You can learn more about this program or apply by calling the Department for Aging and Independent Living at (502) 564-6930. Hart-Supported Living This program is open to all Kentucky residents who are living with a disability as defined in the Americans With Disabilities Act. It provides funds to cover the cost of support, home modifications and related services that allow individuals who have a physical or mental disability to live at home and avoid being institutionalized.&nbsp;<a href="https://chfs.ky.gov/agencies/dail/Pages/hslp.aspx" target="_blank" data-mce-href="https://chfs.ky.gov/agencies/dail/Pages/hslp.aspx" rel="noopener noreferrer">Hart-Supported Living</a> promotes individual autonomy by giving beneficiaries the freedom to manage their own care. The KIPDA Area Agency on Aging can provide more information about this program or assist with the application process. Call (502) 266-6084 for details. Family Caregiver Support Program If you depend on relatives or friends for daily assistance, the&nbsp;<a href="https://chfs.ky.gov/agencies/dail/Pages/caregiver-support.aspx" target="_blank" data-mce-href="https://chfs.ky.gov/agencies/dail/Pages/caregiver-support.aspx" rel="noopener noreferrer">National Family Caregiver Support Program and Kentucky Family Caregiver Program</a> can provide in-home respite care to relieve your primary caregiver. It also offers counseling, support groups and supplemental in-home services. This program is open to individuals who care for anyone aged 60 or over as well as those who help adults who have Alzheimer’s disease or dementia. Call the KIPDA Area Agency on Aging at (502) 266-6084 to learn more about this program. If funds are unavailable, applicants may be added to a regional wait list.

Other Financial Assistance Programs for Assisted Living

The average cost of assisted living in the city is $3,498 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 {enhancedSearch.regionCount} {tensing(Assisted Living Community | Assisted Living Communities | {enhancedSearch.regionCount})}in Louisville and several in surrounding areas.<ul><li>Assisted living: $3,498</li><li>Nursing home semiprivate room: $7,087</li><li>In-home care: $4,290</li><li>Adult day health services: $1,430</li></ul>

Assisted Living in Louisville, KY

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Nursing Care in Assisted Living: How do Residents Benefit?

Assisted Living Articles and Resources

In Louisville, Medicaid pays for medical care,&nbsp;<a href="https://chfs.ky.gov/agencies/dms/dpo/bpb/Pages/nursing-facilities.aspx" target="_blank" data-mce-href="https://chfs.ky.gov/agencies/dms/dpo/bpb/Pages/nursing-facilities.aspx" rel="noopener noreferrer">skilled nursing facilities</a> and health-related expenses. This state and federal program is available to low-income residents, including adults, children and the elderly and disabled. Eligibility is based on strict financial requirements. For long-term care and waiver services, monthly income levels are restricted to $2,313 per month for individuals or $4,626 per month for couples. For other benefits, a lower monthly limit of $760 applies. Additionally, applicants must not have more than $2,000 in countable cash resources per person. Although Kentucky’s Medicaid program pays for skilled nursing services, it&nbsp;<a href="https://chfs.ky.gov/agencies/dail/Documents/ALCBrochureRev102910.pdf" target="_blank" data-mce-href="https://chfs.ky.gov/agencies/dail/Documents/ALCBrochureRev102910.pdf" rel="noopener noreferrer">does not cover the cost of assisted living</a> because these facilities provide personal assistance rather than medical care. One exception is health services offered by outside agencies. As an alternative, adults who require nursing facility care but prefer to remain at home can use one of&nbsp;<a href="https://chfs.ky.gov/agencies/dms/dca/Pages/default.aspx" target="_blank" data-mce-href="https://chfs.ky.gov/agencies/dms/dca/Pages/default.aspx" rel="noopener noreferrer">Kentucky’s 1915(c) waivers</a> to access personal assistance. These programs are also open to individuals who are living in personal care facilities but would like to return to the community. To qualify, individuals must: <ul>
<li>Be elderly or living with a disability</li>
<li>Require nursing facility care</li>
<li>Be financially eligible for Medicaid</li>
</ul> If you believe that you’re eligible for Medicaid based on your age, income or health status, you can apply online, in person or by calling the Department for Community Based Services at (855) 306-8959.

Medicaid in Kentucky

{tensing(Detailed profile of {enhancedSearch.regionCount} Assisted Living Facility | Detailed profiles of {enhancedSearch.regionCount} Assisted Living Facilities | {enhancedSearch.regionCount})}in Louisville, KY. Average cost is 3030 per month.  Reviews, ratings, costs, pictures, amenities, and more.

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The Kentuckiana Regional Planning &amp; Development Agency is one of 15 Area Agencies on Aging in Kentucky. If you live in Jefferson County or neighboring areas, this AAA is your local source for Medicaid waivers, in-home services, transportation assistance and insurance counseling. It also serves as an Aging and Disability Resource Center for residents of greater Louisville.

Area Agencies on Aging

This agency is responsible for administering retirement and disability benefits as well as health insurance in conjunction with the Centers for Medicare &amp; Medicaid Services. Whether you’re working, disabled or retired, local Social Security offices in Louisville can assist you with inquiries, appeals and bureaucratic issues.

Social Security Administration

The Department of Veterans Affairs offers health care and many other benefits to military veterans and their relatives. If you need medical care or if you’re applying for benefits, these local divisions of the VA may be able to help.

Department of Veterans Affairs 

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An explanation of retirement living costs. Visit to learn more about finding the right retirement community or to find a retirement community near you.

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An article defining Activities of Daily Living. Learn more about Senior Care by browsing our library of insightful articles or find senior care using our comprehensive directory.

Learn about activities of daily living, how ADLs are assessed and what the results can mean if you&#39;re considering long-term care for yourself or a loved one.

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The Program of All-Inclusive Care for the Elderly (PACE) combines all the services offered by Medicare and Medicaid. Learn more about the program, eligibility, and how to apply for PACE.

PACE Programs: Programs of All-Inclusive Care for the Elderly

As the population ages and Baby Boomers face the realities of paying for care for their parents and for themselves, it becomes clear that the biggest hurdle to senior care is paying for it.

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Paying for Long-Term Care: How to Overcome this Costly Hurdle to Safeguard Your Future

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Learn about tips for senior downsizing, how to make the downsizing process as easy as possible, and senior downsizing options.

From saving money to avoiding household chores, there are dozens of great reasons to downsize. Read our free guide for tips on navigating the process.

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For seniors coping with dementia, one of the greatest frustrations is the inability to do those things they once loved. Activities and hobbies that used to be second nature might start to feel fuzzy or distant. This harsh reality can be discouraging for the person suffering from dementia, as well as the friend or loved one who is trying to engage them.

Learn about the benefits of activities for people with dementia and find a list of dementia-friendly things to do in this comprehensive guide.

Activities To Do With Seniors Who Have Dementia

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The median cost of nursing homes in Louisville for a single-occupancy apartment is $7,969/month (Genworth - 2021). This monthly cost typically includes rent, utilities, dining, housekeeping and transportation.

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There is  nursing home in Louisville, KY and several nursing homes nearby. The average cost of nursing homes in Louisville, KY is $202 per month.

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