Resources · Cost of Care
Cost of Care by State
What nursing facility care, memory care, assisted living, independent living, home health care, and Lifecare/CCRC actually cost — for every state and Washington, D.C. Select a state on the map or in the list below for the full breakdown, sourced from the CareScout 2025 Cost of Care Survey and the A Place for Mom 2026 report.
Select a state to see its full Cost of Care breakdown. District of Columbia is the small marker near Maryland/Virginia.
* Medicare, Medicaid Eligibility Limits & Requirements
- Medicare — Nursing Facility: Requires a qualifying inpatient hospital stay of at least 3 days AND a doctor-certified daily need for skilled nursing or rehabilitation care. Medicare does not pay for custodial-only nursing home stays, and coverage ends entirely after 100 days per benefit period.
- Medicare — Home Health Care: Requires the patient to be doctor-certified as “homebound” and to need intermittent skilled nursing or therapy from a Medicare-certified home health agency. Ongoing non-skilled custodial help (bathing, meals, housekeeping) alone does not qualify.
- Medicaid — all care types: Requires meeting Florida's own Medicaid income and asset limits plus a functional (level-of-care) need determination. Nursing facility Medicaid is an entitlement once eligible; assisted living, memory care, and home health Medicaid coverage is typically delivered through a Home and Community-Based Services (HCBS) waiver, which can carry its own enrollment cap and waiting list.
Assisted living and memory care have no Medicare eligibility pathway to list here — see the estimated percentage of cost each program pays in the table below.
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Florida Cost of Care
A quick snapshot of Florida's own figures against the six categories every page covers.
Financial aid: Statewide Medicaid Managed Care (SMMC) Long-Term Care Program + 1 additional state program. Estimated $345/month, if qualified. Full details & how to apply →
- Nursing Facility (semi-private) $124,100/yr Annual, CareScout 2025.
- Nursing Facility Supply 695 facilities · 89% occupancy 2025, KFF/CMS certified-facility data.
- Capacity Pressure (2033 model) +21,202 occupied beds needed by 2033 Bed-demand model, not a verified occupancy forecast — Kieslich Analytics.
- Assisted Living (APFM median) $4,624/mo Monthly, actual move-in data.
- Memory Care $5,495/mo Monthly, A Place for Mom 2025 data.
- Home Care (personal) $73,216/yr Annual, CareScout 2025.
- Lifecare & CCRC Chapter 651, Florida Statutes (Continuing Care Contracts) and Rule Cha…
What Medicare, Medicaid & State Aid Pay
Florida: what each program actually pays
Once every eligibility requirement (marked *) is met, here is what Medicare, Florida's Medicaid program, and other state-specific programs pay toward each type of care — not the full cost of care shown in the panel above.
| Care Type | Medicare Pays* | Florida Medicaid Pays* | State Financial Assistance |
|---|---|---|---|
| Nursing Facility | Days 1–20: $0 — Days 21–100: pay $217/day — Day 101+: $0 paid * Estimated ~27% of Florida's $124,100/year cost (100 of 365 days) — a days-covered ceiling; the actual dollar share is lower once the day 21–100 coinsurance is subtracted. | Estimated Statewide average $284/day (facility-specific, range $230–$344) * Statewide Medicaid Managed Care (SMMC) Long-Term Care Program pays licensed nursing facilities. (source) |
Eligibility and covered settings vary by program — may not apply to every care type at left. See this state's full financial-aid summary above for details. |
| Assisted Living | $0 toward room, board, or personal care Estimated 0% of Florida's $4,624/month cost — Medicare pays none of the residency. | Covered * — no statewide dollar figure published SMMC LTC covers assisted living services (T2030); room & board is never covered. (source) |
Eligibility and covered settings vary by program — may not apply to every care type at left. See this state's full financial-aid summary above for details. |
| Memory Care | $0 toward room, board, or custodial dementia care Estimated 0% of Florida's $5,495/month cost — Medicare pays none of the residency. | $0 — not covered by Medicaid in this state Not separately addressed — no dementia-specific Medicaid rate or benefit. (source) |
Eligibility and covered settings vary by program — may not apply to every care type at left. See this state's full financial-aid summary above for details. |
| Home Health Care | $0 for covered skilled home health visits * | Covered * — no statewide dollar figure published Paid through SMMC LTC; no published per-visit or monthly cap. (source) |
Eligibility and covered settings vary by program — may not apply to every care type at left. See this state's full financial-aid summary above for details. |
National Snapshot
The national median, by category
Every state page compares its own figures against these national medians for 2025.
Primary sources
- CareScout 2025 Cost of Care Survey
- A Place for Mom, Cost of Long-Term Care & Senior Living Report (2026 edition; 2025 move-in data)
- U.S. Government Accountability Office, GAO-10-611, “Older Americans: Continuing Care Retirement Communities Can Provide Benefits, but Not Without Some Risk” (June 2010; reports 2009 fee data collected from eight selected CCRCs)
- National Investment Center for Seniors Housing & Care (NIC) data, as reported by Where You Live Matters (end-of-2024 figures)
Browse All States
Every state's Cost of Care page
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Know the cost. Now find the funding.
Twelve questions. About four minutes. A shortlist of funding strategies ranked for your family's situation.