83 Assisted Living Communities in Anne Arundel County, Maryland

The average cost of assisted living in the county is $4,250 a month. This guide is a starting point covering the cost of assisted living care in the county, as well as financing options to pay for it. You’ll find in-depth information on 83 Assisted Living Communities in Anne Arundel County and several in surrounding areas.

• Assisted living: $4,250
• Nursing home semiprivate room: $9,733
• In-home care: $4,004
• Adult day health services: $1,880

According to Genworth’s 2018 Cost of Care study, the monthly costs of assisted living in Anne Arundel County ($4,250) are higher than the national average ($4,000) but lower than the state average ($4,673). High monthly costs in the California area ($5,900), the Hagerstown area ($5,045) and Salisbury drive up Maryland’s state median. Monthly costs tend to be lower in cities located further from the Baltimore/DC metro areas, including Cumberland ($3,650).

Senior care cost data wasn’t available for Anne Arundel County, so data for the closest city, Baltimore, was used.

Many factors impact the cost of long-term care, but few are so significant as the type of care seniors need. Nursing home care, which provides the most comprehensive assistance, is usually most expensive. In Anne Arundel County, the cost of a semiprivate nursing home room ($9,733) is over double the cost of a room in an assisted living facility ($4,250). In-home care ($4,004) is slightly less expensive than assisted living, but this care option comes with additional costs. When seniors move into an assisted living facility, their monthly payments usually cover their utilities and meals. For seniors who choose to remain at home, the cost of in-home care is an addition to their current monthly budget. Cost of Homemaker/Home Health Aide Comparison Chart

• Assisted living: $4,250

• Homemaker services: $4,004

• Home health aide: $4,242

• Adult day health: $1,880

• Nursing home care (semiprivate room): $9,733

In Anne Arundel County, low-income residents can receive medical assistance via Maryland’s Medicaid program. This low-cost health care plan covers basic medical needs such as doctor visits, hospital and emergency services and prescription drugs. Other benefits include dental and denture services, diabetes care, hospice care, laboratory and X-ray services, medical equipment and supplies, physical therapy, mental health treatment and transportation services. The program does not traditionally cover the costs of assisted living services, however. Seniors may have to apply to a Maryland waiver program to receive this type of coverage. 

To receive Medicaid coverage in Anne Arundel County, seniors over the age of 65 must meet specific eligibility requirements. They must be a resident of the state of Maryland, and they must have U.S. citizenship or an approved immigration status. Traditionally, immigrants must lawfully reside in the country for five years before they are eligible for Medicaid. These requirements are sometimes waived in emergency medical situations, however, and seniors who want more information about immigration status eligibility should contact the Anne Arundel County Department of Social Services.

Seniors must also meet specific income guidelines. In Maryland, income requirements for applicants over the age of 65 are determined on a local rather than statewide basis. Nonetheless, seniors can use the state requirements as a barometer of eligibility. In Maryland, individuals cannot have an income that exceeds $16,612, and two-person households cannot have earnings higher than $22,490. If seniors are already receiving Supplemental Security Income, they are automatically eligible for Medicaid.

To apply for Medicaid, Maryland seniors can use the myDHR online healthcare portal, download the DHR application or visit the nearest department of social services.

After acceptance into the Medicaid program, seniors receive an insurance card in the mail within two weeks. Seniors must also select a managed care organization, which provides all of the state’s Medicaid health care services. While all the programs offer the same basic benefits, the individual plans do vary slightly.

Anne Arundel County seniors can choose from Aetna Better Health of Maryland, AMERIGROUP Community Care, Maryland Physicians Care, Kaiser Permanente, MedStar Family Choice and Jai Medical Systems. If seniors do not select an MCO during the application process, they can change their assigned MCO up to 90 days after enrollment.

Home and Community-Based Options Waiver

In Maryland, the Home and Community-Based Options Waiver can help seniors fund the costs of assisted living facilities. This program provides community-based services and support structures to eligible seniors, allowing them to live in their own home or in an approved assisted living environment. Besides funding assisted living, the waiver offers services such as behavioral consultation, dietitian and nutrition services, case management, medical day care and family training.

Seniors must meet specific health and income guidelines to qualify for the waiver. They must require a nursing home level of care, which is determined via a uniform medical assessment. To be eligible for the waiver, seniors must not have an income exceeding 300 percent of SSI benefits or countable assets exceeding $2,500.

Once enrolled, seniors must select a Supports Planning Agency, which helps seniors develop a long-term plan of care and coordinates their waiver services. Seniors can review their services history and plans via the MyLTSS interactive online tool.

Increased Community Services

Seniors currently living in nursing homes may be eligible for the Increased Community Services program, which helps seniors transition from nursing homes to community-based environments such as assisted living facilities. To qualify for this program, seniors must have documentation showing that they have lived in a nursing home for at least 90 days.

The ICS program is for seniors who don’t meet the income requirements of the Home and Community-Based Options Waiver. If accepted into the program, seniors automatically qualify for Medicaid benefits.

The Anne Arundel County Department of Aging and Disabilities provides services and programs to aging adults, adults with disabilities and caregivers. The department oversees the Long-Term Care Bureau and the Community First Choice program.  Department of Aging and Disabilities North
7320 Ritchie Highway, Glen Burnie, MD 21061
(410) 222-4257 Heritage Complex—Building 2666
2666 Riva Road, Annapolis, MD 21401
(410) 222-4257

The area’s Veterans Affairs Commission can connect aging veterans with assistance and outreach programs, ranging from SNAP to VA Healthcare. The department also helps veterans acquire federal and state benefits, navigate tax exemptions and access long-term care. 

Arundel Center
44 Calvert Street, Annapolis, MD 21401
(410) 222-1821

Annapolis Vet Center
100 Annapolis Street, Annapolis, MD 21401
(410) 605-7826

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