Cost of Memory Care
The cost of memory care in Pennsylvania has seen a significant increase in recent years. As of 2023, the average monthly cost is approximately $5,201, up from $4,649 in 2022, with projections suggesting a further rise to $5,931 in 2024. The cost of memory care varies widely across cities within the state. Philadelphia and Pittsburgh are among the more affordable options, with monthly rates around $4,918 and $4,798 respectively. On the other hand, Allentown’s average cost is significantly higher at $6,000 per month.
Memory care is one of the more expensive types of senior living options in Pennsylvania, surpassing the cost of assisted living, which averages $4,653 monthly, and independent living, which costs about $3,215. The elevated price of memory care is due to specialized support and security measures that cater to the unique needs of individuals with dementia or Alzheimer’s.
Medicaid Programs for Memory Care
In Pennsylvania, Medicaid is known as Medical Assistance. While it does not directly cover memory care costs, the state offers the
Community HealthChoices Waiver to support eligible individuals who require long-term care. This waiver can be used for services such as personal care and case management, but it does not cover the cost of room and board in memory care facilities.
Eligibility for this program requires applicants to be at least 65 years old or between 19 and 64 with a physical disability. Applicants must also meet income and asset limits. For a single applicant in 2022, the income limit is $30,276 annually, and the resource limit is $2,000. For married couples, the income limit is $60,552, with an asset limit of $4,000 if both spouses are applying.
Regulations and Licensing
Memory care facilities in Pennsylvania are governed under two categories: Assisted Living Residences (ALRs) and Personal Care Homes (PCHs). The Pennsylvania Department of Human Services licenses both, but PCHs are not available for residents who require a nursing home level of care. Facilities offering memory care must outline their approach to caring for individuals with dementia, including staff training, care philosophy, and the activities provided.
To ensure quality care, these facilities are inspected annually or in response to complaints. Facilities must have direct care staff available 24/7, and staffing levels must meet the needs outlined in each resident’s care plan. Staff working in memory care units must complete dementia-specific training, with additional annual training requirements.
Other Funding Options
Aside from Medicaid, there are several ways to fund memory care in Pennsylvania:
- Long-Term Care Insurance: Policies can cover memory care, depending on their terms. However, eligibility can be affected if the individual already needs long-term care.
- Reverse Mortgages: Homeowners can use reverse mortgages as a short-term solution to pay for care, but the loan must be repaid when the home is sold.
- Veterans Benefits: Veterans and their spouses may qualify for benefits that can offset the cost of memory care. More information can be found through the Department of Veterans Affairs.
Resources for Seniors
Pennsylvania offers a variety of resources to support seniors and their families:
- Area Agencies on Aging: These agencies provide assistance with financial aid, home-based care, and planning for long-term care. They connect seniors to local services and support systems.
- Legal Aid: Organizations like the Pennsylvania Health Law Project and Community Legal Services of Philadelphia offer legal support for those navigating Medicaid and other benefits.
- Home Repair Programs: Grants and loans are available to help seniors make necessary home modifications.
- Food Assistance Programs: Meal delivery services, food banks, and shared meal programs ensure seniors have access to healthy and affordable food.
