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READ MORE6 Assisted Living Communities in Rutherford County, Tennessee
The average cost of assisted living in the county is $4,500 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 6 Assisted Living Communities in Rutherford County and several in surrounding areas. The Cost of Senior Care in Rutherford County, TN
- Assisted Living: $4,500
- Nursing Home Care: $6,692
- In-home Care: $3,621
- Adult Day Health Services: $1,408
Our Family Advisors can help your family make a confident decision about senior living.
Reviews of Assisted Living Facilities in Rutherford County
Kathryn
5
|
September 24, 2020
I love Creekside. My grandparents have lived here for two and they love it!
SH
5
|
February 7, 2020
My father is in Creekside at Three Rivers. I was very impressed with it. The administrative staff was very forthcoming and told me exactly what they could and could not do. The facility itself and the environment are very pleasing. They have a lot of activities for the residents. It's very clean and very modern. The staff is wonderful. They have a small studio, a large studio, and one- and two-bedroom apartments. They also have memory care if needed. They have exercises, a pool table, card table, a complete library with internet, a phone that the residents can use, games, and other outside and inside activities. They have a bistro where they have coffee and water 24/7, fresh fruits, and finger food. They have a wonderful dining room and excellent meals. It's like a resort.
Carol
4
|
February 1, 2020
It had a very good layout because it's just a square, so people couldn't get lost easily in there. My uncle's room was a little older, but it's very clean. The staff was very patient and very good with him. The food was good. They had music come in, Sunday services, art projects, an art room, and Christmas programs.
Carol
5
|
February 1, 2020
My parents stayed at Creekside at Three Rivers. My mother was in memory care and my father was in assisted living. They were very good. Their meals and activities were good. They're very patient, too. Their room was a little bit older, but clean, and they had a good maintenance staff if you had any problems. They're very patient and inclusive, and they check on them when they had activities going on. We played Bingo, we went to music concerts, and they had trips to Wal-Mart, card games, art projects, and coloring. Their memory care was in a separate building, so that didn't work out very well in the winter.
TW
4
|
January 2, 2020
My mother is here. The staff has been very helpful, and the facility has been good for her. She has a single room with a closet and a bathroom. They have different activities for the residents. They take them to appointments, and they have a courtyard for summertime where they can do gardening and things like that. The food I've seen was good. They've been updating the rooms as people were moving out.
Jesi
5
|
March 30, 2019
We chose Creekside at Three Rivers for my mom because it was close to my house. So far it's going really good. When I went and visited it, I really liked it. Amy, the sales director, was amazing. She went above and beyond and really helped, because I had no idea what I was doing. Brent with the management team is really awesome. All of them are really nice. My mom is in memory care, but there's just not much to do, and I feel like they kind of get a little bored.
Ginger
5
|
December 2, 2018
My mother-in-law is a resident of Willow Ridge Rehabilitation & Living Center. We chose it because they have a memory care center that suited our needs. It's right behind the hospital in Rutherfordton, and they have rooms for our father-in-law as well in assisted living. We're very pleased with everything. The staff is super friendly, they always talk to everybody who comes up and down the hall, and they're always cleaning. We have no complaints so far. They have no complaints about the food and they seem to eat better there. For the memory care, they do very well and they taking our mother-in-law to the other side for every activity. The have movies, crafts, they had things for Thanksgiving and Halloween, they do dinners for the families to come in and eat with them, and stuff like that. They also have the Elvis impersonators, little dances, and bingo; they keep them pretty busy. Preachers also come in. The place itself looks dirty on the outside but clean on the inside.
Melissa
5
|
May 8, 2018
Creekside at Three Rivers was well kept and very well-maintained. The staff was extremely pleasant and helpful. The person who accommodated us was absolutely wonderful. I was very excited for my dad to move in there, but he decided he was not ready to go into assisted living. If he had made that decision, we definitely would have gone into Creekside at Three Rivers. The dining area looked clean and well-maintained. It was like a restaurant and not a cafeteria. They have tons of activities for all different cases. It looked like a place that the residents could come together as a community. I was very impressed with that. They had two different games and activity rooms that were specific to different activities. They also had pool and poker tables.
Henry
4
|
February 12, 2018
Sunnington is a small community with only about 50 residents. The grounds are impressive, nice, and clean, and they have plenty of room around them. The rooms are small, but looks like brand new. They have activities every day and all sorts of things to keep the seniors busy, and there are buses to take the residents out on tours. We've seen other places and this one is perfect.
Map of Rutherford County, Tennessee
Assisted Living Costs in Rutherford County
The cost of assisted living in Rutherford County is $4,500 per month. This is $500 higher than the national average and $580 above the median rate paid in Tennessee. Seniors in other areas of the state pay considerably less, including Knoxville ($4,033), Cleveland ($4,021), Clarksville ($3,495) and Jackson ($3,469).
The average rate charged for assisted living is $1,250 lower in Morristown ($3,250). The biggest price difference is with Chattanooga, which has the least expensive average statewide at $3,012 and is almost $1,500 lower than in Rutherford County.
Note: Rutherford County senior care cost data wasn’t available, so data for the closest city, Nashville, was used.
Rutherford County/Nashville Area
$4,500
National Average
$4,000
State Average
$3,920
Chattanooga
$3,018
Morristown
$3,250
Jackson
$3,469
Clarksville
$3,495
Cleveland
$4,021
Knoxville
$4,033
Care Cost Comparison
Various factors affect the cost of senior care in Rutherford County, including the extent and type of care needed and whether residential services are provided. Nursing homes ($6,692) and assisted living facilities ($4,500), which offer housing, meals, housekeeping and personal care, cost the most. Nursing homes charge about $2,200 more per month because they provide round-the-clock skilled nursing care, medication management and other specialized services. Homemaker ($3,621) and home health aide ($3,804) services average $700 to $900 less than assisted living, but these rates are strictly for hours of care service provided. Whereas assisted living includes room and board, seniors who stay at home must pay for food and household operating expenses in addition to their direct care costs.
Senior Care Cost Comparison Chart
Assisted Living
$4,500
Homemaker Services
$3,621
Home Health Aide
$3,804
Adult Day Health Services
$1,408
Nursing Home Care
$6,692
Financial Assistance for Assisted Living in Rutherford County
Medicaid in Tennessee
The Medicaid program that’s jointly funded by the federal and state governments provides essential health care coverage for low-income Americans of all ages. Each state administers its own program according to federal regulations.
The Tennessee program called TennCare provides coverage for one-fifth of the state population, including over 375,000 blind, disabled and elderly individuals. Those who qualify receive a wide range of benefits, including:
- Primary and specialist care
- Inpatient, outpatient and emergency hospital services
- X-rays, lab work and other diagnostic tests
- Preventive care
- Prescription medications
- Ambulance and nonmedical transportation
- In-home and community-based care
- Long-term nursing home care
Qualifying for TennCare for Long-Term Care
To qualify for long-term care through TennCare, Rutherford County residents must be American citizens or legal immigrants and aged 65 or older. Adults aged 21 or older who are disabled or blind can also qualify. Those who meet the eligibility requirements for federal Supplemental Security Income benefits automatically receive TennCare coverage.
Applicants must also meet the program’s financial criteria:
- A maximum monthly income of $2,313 as an individual or $4,626 as a couple
- No more than $2,000 in countable assets if single or $4,000 if married and applying with a spouse
Income from all sources counts toward the limits, but some assets are excluded, such as one vehicle, personal effects, a primary home, household furnishings and burial trusts.
When only one spouse of a married couple applies, the non-applicant’s income is disregarded. They may also be entitled to up to $3,160.50 of the applicant’s monthly income and up to $126,420 of the couple’s jointly owned assets, based on federal laws to prevent spousal impoverishment.
Qualified Income Trust
Seniors who meet the TennCare eligibility guidelines but exceed the income limit may qualify by setting up a Qualified Income Trust. The state allows applicants to deposit their excess income into such an account so it can be disregarded for Medicaid eligibility purposes. Deposited funds may only be withdrawn to pay TennCare approved medical and long-term care expenses.
Rutherford County residents can complete an online application or call (855) 259-0701 to learn more about TennCare or apply by phone.
CHOICES in Long-Term Services and Supports Waiver
The CHOICES waiver program offers TennCare-eligible seniors and disabled adults an alternative to nursing home admission. Those who qualify may receive all-inclusive medical and long-term care coverage in a community setting, such as their own home, an adult care home or assisted living facility.
To qualify, Rutherford County residents must enroll in TennCare and be assessed as needing a nursing home level of care. They also must be deemed physically and cognitively capable of living in the community with waiver-covered support services, which may include:
- Help performing normal activities of daily living
- Benefits counseling
- Medication administration
- Housekeeping and laundry
- Prepared meals and snacks
- Assistive technologies
- Transportation
Interested seniors who aren’t already enrolled in TennCare can apply online or by phone at (855) 259-0701. To begin the application process for the CHOICES waiver, seniors can call the Council on Aging of Middle Tennessee at (615) 353-4235.
Other Financial Assistance Programs for Assisted Living
Veterans Aid and Attendance Benefits
Rutherford County veterans and surviving spouses who presently receive a VA pension and have additional care expenses may be eligible for a top-up amount each month through the Aid and Attendance program. This program isn’t available to those receiving VA disability benefits, and applicants must have a minimum 90-day active duty service record, with at least one day during wartime, and received an honorable discharge.
To qualify for A&A benefits, applicants must earn $22,577 or less per year and have at least one of these conditions:
- Severe concentric contraction of the visual field or vision loss in both eyes
- Unable to perform activities of daily living, such as bathing, eating and dressing without caregiver assistance
- Bedridden due to persistent illness or disability
To obtain help completing and filing an application for A&A benefits, area veterans can contact the Rutherford County Veterans Services office at (615) 849-5711.
Long-Term Care Insurance
Long-term care insurance may be an option worth considering for younger Rutherford County seniors who want to plan ahead for their future care needs. This type of policy generally pays out a daily or monthly amount for long-term care costs for a certain period of time. Some cover a senior’s care expenses for life with no cap on the total amount paid. Most offer add-on benefits, such as coverage for in-home or assisted living care and protection against inflation. The cost of LTC insurance varies between insurers and depends on an applicant’s age and health status as well as the payout rate and specific benefits chosen.
For more information about LTC insurance or help filing a claim on an existing policy, Rutherford County seniors can contact Elderlife Financial Services at (888) 228-4500.
Transportation Services
Mid-Cumberland Public Transit’s IIIB program provides wheelchair-accessible, door-to-door transportation services for seniors aged 60 plus at no charge. Rides are available on a first-call, first-served basis, but priority is given to seniors with medical appointments. Trips may be scheduled Monday through Friday between 6 a.m. and 6 p.m., excluding holidays. Mid-Cumberland Public Transit
1101 Kermit Dr., Ste. 300, Nashville, TN 37217
(615) 331-6033
Area Agency on Aging
The Council of Aging of Middle Tennessee is the AAA serving seniors in Rutherford and 12 other counties in this region. The agency coordinates access to programs and services that promote independence and quality of life for older adults. The COA maintains an online directory of services and offers personalized information, advice and referrals to local and state resources related to education, legal and consumer matters, wellness, nutrition, long-term care, caregiver support, housing and at-home help. Council on Aging of Middle TN
95 White Bridge Rd., Ste. 250, Nashville, TN 37205
(615) 353-4235
Veterans Aid
Staff at the Rutherford County Veterans Services office are available to help senior veterans and survivors apply for medical, long-term care and disability benefits and VA pensions. Comprehensive medical services are available at the Tennessee Valley Healthcare System campuses in Nashville and Murfreesboro.
Rutherford County VSO
1 S. Public Sq., Rm. 104, Murfreesboro, TN 37130
(615) 849-5711
TVHS Nashville Campus
1310 24th Ave. S., Nashville, TN 37212
(800) 228-4973
TVHS Alvin C. York Campus
3400 Lebanon Pike, Murfreesboro, TN 37129
(800) 228-4973
Nearby Assisted Living Communities
Go a bit further out to explore pricing and amenities.
$4,690
$3,245
$3,583
$4,812
Find Communities
Senior Homes has an extensive directory of senior living options, with care and living providers across the United States.
Other Senior Living in Rutherford County, TN
Nearby Assisted Living Facilities
- American House Lebanon
- Charter Senior Living of Franklin
- Belvedere Commons of Franklin
- Brighton Gardens of Brentwood
- Traditions of Mill Creek
- Harmony at Mt. Juliet
- Carriage House Inn
- American House Brentwood
- Charter Senior Living of Hermitage
- Cloverland Park Senior Living
- Harmony at Brentwood
- Wellington Place of Brentwood
- Wellington Place of Brentwood
- Southerland Place
- Blakeford at Green Hills
Compare Costs, Photos, & Reviews of All Your Options Near Rutherford County
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