1 Assisted Living Community in Havre De Grace, Maryland

The average cost of assisted living in the city is $4,250 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 1 Assisted Living Community in Havre de Grace and several in surrounding areas. The Cost of Senior Care in Havre de Grace, MD

• Assisted Living: $4,250
• Nursing Home Care: $9,733
• In-home Care: $4,004
• Adult Day Health Services: $1,880

Genworth’s 2018 Cost of Care survey shows that while higher than the $4,000 national average at $4,250 per month, the average cost of assisted living in Havre de Grace is low compared to many other areas within Maryland. Over $400 less per month than the state median, costs in the city are also significantly lower than areas such as Hagerstown ($5,045), California ($5,900) and Salisbury ($5,315). Within Maryland, Cumberland is the only city less expensive than Havre de Grace at $3,650 per month. Seniors in the nearby Pennsylvania areas of Lancaster ($4,350) and York ($4,145) pay prices most similar to those in Havre de Grace.

Note: Senior care cost data wasn’t available for Havre de Grace, so data for the closest area, Baltimore, was used.

In Havre de Grace, full-time, skilled nursing home care is the most expensive senior care type at an average cost of $9,733 per month. While nursing care is significantly more costly than homemaker services ($4,004) and home health aides ($4,242) appear to be at first glance, seniors should be aware that home health services often don’t include living expenses such as utilities and room and board. At $4,250, assisted living is the least expensive of the senior care types in the city except for the part-time care option of adult day services ($1,880).

 

Maryland Medicaid provides a wide range of free and low-cost health care benefits to low-income residents and people with disabilities living throughout the state. 

Medicaid benefits include:

• Doctor’s visits and hospital care
• Emergency services
• Hospice care
• Laboratory services
• Medical equipment
• Mental health treatment
• Physical therapy
• Transportation services
• Personal care and home health agency services
• Home and community-based services

The exact menu of Medicaid services available to Maryland seniors aged 65 and older depends on their enrollment in one of the state’s Long-Term Services and Supports waiver programs.

Community Options Waiver

The Community Options waiver provides benefits to Maryland seniors needing assistance with activities of daily living such as bathing, eating and dressing who require a nursing home level of care.

To be eligible for the waiver, seniors should meet certain income and asset criteria:

• Earn no more than $2,313 in monthly income (a maximum of 300% of the monthly Supplemental Security Income level)
• Have a maximum of $2,000 in countable assets not including their home, personal vehicle or furnishings (non-applicant spouses may have countable assets totaling $126,420)

CO services include:

• Assisted living
• Personal assistance and home-delivered meals
• Mental health services
• Doctor and hospital visits (inpatient and outpatient)
• Laboratory services
• Prescription drugs
• Case management and supports planning
• Transition services
• Medical equipment

Increased Community Services

Havre de Grace residents not eligible for the Community Options waiver and who wish to live in an assisted living facility may qualify for the Increased Community Services program.

To qualify for the ICS, seniors should:

• Live in a nursing home and have lived there for at least three months with 30 days of Medicaid eligibility
• Be able to receive a nursing home level of care in an assisted living setting for equal or lower costs than in a nursing facility
• Have a maximum of $2,000 in assets (excluding a personal vehicle, home and belongings)
• Be able to pay any income received over $2,313 per month toward assisted living services

Services of ICS include:

• Doctor and hospital visits
• Dietitian and nutrition services
• Supports planning
• Transition assistance
• Pharmacy services
• Laboratory services
• Home health, day care and assisted living services 

Havre de Grace seniors aged 65 and older may apply for Medicaid online through myDHR or in person at the Harford County Department of Social Services at 2 S. Bond St., Suite 300, Bel Air, Maryland 21014. They can also complete and mail in the downloadable paper application to their Social Services office at the address above.

Those over age 65 who are disabled, receive Supplemental Security Income and enrolled in Medicare are automatically eligible to participate in Maryland Medicaid. For these individuals, Medicaid services become available once Medicare begins.

Elderlife Bridge Loans

Elderlife Financial provides short-term bridge loans to seniors across the country looking for help paying for assisted living as they wait for longer-term funding options to begin. Suitable for individuals with plans to sell a home or who expect certain benefits in the future but who wish to move into an assisted living home now, the loans last for up to 12 months and have a quick application process. 

When considering seniors for a loan, Elderlife examines financial information such as income, assets and credit scores. Because the company accepts multiple co-applicants on a loan, those with low credit scores may qualify based on the combined credit scores of their family members.

To apply for a bridge loan, seniors can complete the online application or call (888) 228-4500.

Senior Assisted Living Group Home Subsidy

The Senior Assisted Living Group Home subsidy gives eligible seniors up to $650 monthly to help pay for room and board in a qualifying assisted living home.

Interested seniors must meet the criteria below to qualify:

• Be approved for residence in a SALGHS assisted living facility

• Have assets and income totaling a maximum of $11,000 for an individual and $14,000 for a married couple

• Be aged 62 or older

• Need help with regular activities of daily living such as eating, dressing and bathing

For more information and to find an approved SALGHS facility in Harford County, Havre de Grace seniors should contact the Maryland Access Point at (410) 638-3025.

The Harford County Office on Aging provides senior and caregiver resources and acts as the local Maryland access point for benefits information and referrals. Harford County Office on Aging
145 N. Hickory Ave., Bel Air, MD 21014
(410) 638-3025

The Department of Veterans Affairs helps local vets and their dependents apply for benefits and track claims. The American Legion provides veterans with a resource guide and social events, including bingo games and Memorial Day celebrations.

Department of Veterans Affairs
2 S. Bond St., Bel Air, MD 21014
(410) 836-4900

American Legion
500 N. Hickory Ave., Bel Air, MD 21014
(410) 838-2603

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