The Cottages Blog

According to the 2017 Genworth Cost of Care Survey, a private, one-bedroom, single occupant unit in an assisted living community costs a national average $45,000 per year. This cost includes 24-hour help as well as other amenities, such as meals, housekeeping, and medication assistance. In Alabama, the average annual cost of assisted living is much lower, with residents paying an average of $36,684 per year for a private, one-bedroom unit.

If you’re worried about paying for assisted living for yourself or your senior loved one, you’re not alone. Private, long-term care insurance or government assistance programs, such as Medicaid, may be able to help you pay for the cost of assisted living. It is important to note that these types of services don’t usually cover the entire cost. Within these aid choices, there are numerous options for long-term care assistance to help you and your family cover the cost of senior care. Every option differs in its eligibility requirements.

Medicaid is a jointly funded, Federal-State health insurance program. Only people who are considered to be low-income or have a medical care expenses that exceed their income qualify for Medicaid assistance. If you qualify, this program covers children, seniors, people with disabilities, and other people who are eligible to receive federally assisted income. Medicaid will pay for long-term care for some people, but coverage varies by state.

For more information on what types of long-term care insurance might work for you, consider talking to a local financial advisor or senior care advisor. There are also several other ways you can save on the cost of assisted living.


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April Cowperthwait
Written by: April Cowperthwait

April has over 15 years of experience working with residents in their Cottage home. She has worked in the Cottage in a variety of roles, giving her a unique perspective and a true understanding of what challenges our seniors and their families face. She has two children, Alyssa and Jackson.

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