As we age, our needs and lifestyles change. For many seniors, this means seeking assisted living options that provide the necessary support while still promoting an active and fulfilling life. St. Louis, Missouri, offers a range of assisted living communities, resources, and financial assistance programs to help seniors and their families find the right fit for their needs.
Understanding Assisted Living
Assisted living is a type of long-term care that provides seniors with support for daily living activities such as bathing, dressing, and medication management. Residents live in private apartments or shared rooms and have access to communal spaces and activities. Assisted living communities may also offer additional services like transportation, housekeeping, and meal preparation.
Assisted living is a good option for seniors who need help with daily tasks but want to maintain their independence and social connections. It can also be a good choice for those who have medical needs that cannot be met at home, but who do not require the round-the-clock care provided in a nursing home.
What to Expect from Assisted Living
Assisted living communities in St. Louis offer a range of amenities and services to meet residents’ needs and preferences. These can include:
- Private or shared apartments with kitchenettes or full kitchens
- 24-hour emergency response systems
- Daily meals and snacks
- Housekeeping and laundry services
- Transportation to appointments and outings
- Wellness and fitness programs
- Social and recreational activities
- Medication management and assistance with daily living activities
Assisted living communities may also offer specialized care for residents with Alzheimer’s or dementia, as well as options for short-term stays or respite care.
Cost of Assisted Living
The cost of assisted living in St. Louis can vary depending on the community and the level of care needed. According to Genworth’s 2021 Cost of Care Survey, the average monthly cost of assisted living in St. Louis is $3,900, which is slightly below the national average of $4,051.
However, costs can vary widely depending on factors such as location, size of the apartment, and level of care needed. Some communities may also charge additional fees for services like transportation or specialized care.
Financial Assistance for Assisted Living
There are several financial assistance programs available to help seniors cover the cost of assisted living in St. Louis.
Medicaid
Missouri’s Medicaid program, MO HealthNet, can help cover the cost of assisted living for eligible seniors. To qualify, seniors must meet certain income and asset requirements and require a level of care typically provided in a nursing home. MO HealthNet may cover the cost of room and board, personal care services, and medication management.
Supplemental Nursing Care
The Supplemental Nursing Care program can help reduce the cost of assisted living in a licensed state facility, such as a nursing home or mental health hospital. The program also provides a monthly allowance of up to $50 for personal needs and may provide cash benefits for seniors in residential care facilities or assisted living facilities.
Senior Bridge Loans
Senior bridge loans are short-term loans that can help cover the cost of assisted living while seniors wait for other financing options to become available. Elderlife Financial Services offers bridge loans for assisted living expenses, which can be cosigned by up to six family members.
SSI State Supplementary Payments
Seniors who receive federal Social Security Income payments may also be eligible for state-funded benefits known as SSI state supplemental payments. These payments are available in Missouri and can help cover the cost of assisted living for eligible seniors.
Top Assisted Living Communities
St. Louis offers a range of assisted living communities to meet the diverse needs and preferences of seniors and their families. Here are some of the top options:
- Bethesda Health Group: With locations throughout the St. Louis area, Bethesda Health Group offers personalized assisted living options to promote independence and well-being.
- Provision Living at Webster Groves: This community offers assisted living and memory care services in a welcoming and supportive environment.
- The Sheridan at Laumeier Park: Located in Sunset Hills, this community offers a range of amenities and services to help seniors live life to the fullest.
- The Glenmary at Evergreen: This assisted living and memory care community in St. Louis offers personalized care and support in a comfortable and welcoming environment.
- The Fountains of West County: This community in Ellisville offers assisted living and memory care services in a luxurious and comfortable setting.
Free Assisted Living Resources
There are several free resources available to help seniors and their families navigate the process of finding and paying for assisted living in St. Louis.
Caring.com
Caring.com offers a searchable directory of assisted living communities in St. Louis and provides reviews and ratings from residents and their families.
Missouri Department of Health and Senior Services
The Missouri Department of Health and Senior Services regulates assisted living communities in the state and provides resources and information for seniors and their families.
Missouri Department of Social Services
The Missouri Department of Social Services offers several financial assistance programs to help seniors cover the cost of assisted living, including MO HealthNet and Supplemental Nursing Care.
Final Thoughts
Assisted living can provide seniors with the support and care they need to maintain their independence and live life to the fullest. St. Louis offers a range of assisted living communities, resources, and financial assistance programs to help seniors and their families find the right fit for their needs. By understanding the options available and taking advantage of the resources and support available, seniors can enjoy a fulfilling and comfortable life in their later years.