Best Memory Care Facilities That Will Accept Medicare (2024)

Learning that a loved one has been diagnosed with Alzheimer’s or other types of dementia can be both stressful and heartbreaking. You’ll likely be worried about all the little details concerning the care of your loved one.

The last thing you want to be worried about is where your loved one will stay. However, if you find yourself wondering, “Where are memory care facilities near me?” rest assured you have plenty of options.

If a loved one is ready to move into assisted living, you’ll need to figure out the expenses. Private health insurance will usually cover those expenses.

For people without insurance, Medicare is a great option. As long as they’re eligible, you’ll be relieved to know that Medicare can cover some or all of the costs.

The best thing to do before you find memory care facilities that accept Medicare is to check eligibility. You can also see Medicare rates by entering your ZIP code into our free tool.

Memory Care Facilities That Accept Medicare

While Medicare covers Americans from all walks of life, it’s most associated with seniors 65 and older. More than six million American seniors live with Alzheimer’s and other dementias.

Seniors with Alzheimer’s usually live in assisted living programs so that their needs can be reliably met. Assisted living also helps adult children by easing care responsibilities into the hands of professionals.

Unfortunately, assisted living programs can be expensive, especially without insurance. Luckily, seniors over the age of 65 qualify for Medicare. Medicare can cover most if not all of the costs associated with assisted living.

Wondering, “Where are nursing homes with memory care near me?” There are plenty of affordable memory care facilities that accept Medicare and Medicaid in your state.

Assisted Living Costs and Availability by State

Read more: Best Nursing Homes That Will Accept Medicare

As you can see, some states are far more expensive than others. Luckily, each state has more than enough care facilities.

If you’re looking for life insurance for someone with Alzheimer’s, check out our guide, Life Insurance for Alzheimer’s Patients (Discounts & Rates)

Do all assisted living facilities provide memory care?

Memory care requires specialized staff training, more programs, extra facilities, and better security for residents. Because of this, memory care tends to run about 20 to 30% more expensive than regular assisted living.

Depending on your healthcare deductible, assisted living with memory care can get expensive quickly.

For a better understanding of how health insurance works, read, How to Buy Health Insurance Guide.

Not every assisted living facility has the capability of providing memory care. When you’re shopping for quotes from memory care facilities that accept Medicare, you should also inquire if they provide the services you need.

What does Medicare cover for memory care?

While Medicare covers a lot of the expenses with assisted living, it won’t cover everything. However, it does cover a lot:

• Inpatient hospital care
• Hospital supplies
• Semi-private rooms
• Diagnostic testing
• Meals
• 100 days of home care with a nurse
• Nursing care
• Hospice
• Medications

There are other ways to pay if rates from memory care facilities that accept Medicare aren’t entirely covered.

• Private insurance – If a senior has their own insurance, it will usually make up for what Medicare doesn’t cover.
• Personal savings – Assisted living can always be paid for out-of-pocket, which can come from the senior’s savings, or from friends, family, or you.
• Retirement benefits – When a senior is receiving retirement benefits, those can be directly applied to assisted living.
• Help from organizations – There are many organizations out there that will help people struggling to pay for senior care.

Find Memory Care Facilities That Accept Medicaid and Medicare

Dealing with dementia and Alzheimer’s takes a team, but one thing you shouldn’t have to handle alone is finances. Getting your loved one in the perfect assisted living facility that can care for their unique needs doesn’t have to feel impossible.

If you’re ready for rates from memory care facilities that accept Medicare, it’s best to shop around. Enter your ZIP code into our free tool to get started seeing quotes today.