Assisted Living in Montgomery, AL

Assisted living in Montgomery, Alabama

Assisted Living in Montgomery, Alabama: Search Near You, How to Pay, Licensing, Local Resources, and Questions to Ask

Seniors whom are looking for assisted living in Montgomery, Alabama. The city of Montgomery, Alabama offers seniors a blend of independence and support in a warm, community-oriented environment. These facilities provide various services like personal care, medication management, and social activities, tailored to the individual needs of residents. With a focus on enhancing the quality of life, Montgomery’s assisted living communities ensure a comfortable, safe, and engaging atmosphere for seniors.

Assisted living facilities in Montgomery could accept State Medicaid, private payers, and long-term care insurance which helps to relieve the financial burden of senior care, and could be more cost effective than home care.

Assisted Living in Montgomery, Alabama

About Assisted Living in Montgomery

In Alabama, assisted living facilities are categorized into two types: assisted living facilities (ALFs) and specialty care assisted living facilities. ALFs are communities with two or more residents that provide assistance with activities of daily living (ADLs). These activities include basic daily tasks such as eating, bathing, dressing, oral hygiene, toileting, and other basic tasks. In contrast, specialty care assisted living facilities are licensed specifically to care for residents with cognitive impairment, making them ineligible for regular ALFs. Additionally, these facilities are classified based on the number of residents they serve: family assisted living facilities care for 2-3 residents, group assisted living facilities care for 4-16 residents, and congregate assisted living facilities care for 17 or more residents

Considerations When Looking for Senior Care in Montgomery

Montgomery is the capital of Alabama. There are 11 assisted living communities in Montgomery, Alabama. The population of Montgomery, Alabama is 196,010 With 13.4% (28,224) of the population being over the age of 55. With affordable home prices, inexpensive taxes and a low cost of living, Montgomery is a great city to stretch a salary or a pension. Assisted Living communities here cost lower than the national average, and Alabama has some of the lowest property tax rates in the nation.

The weather is typical for the southern states from November to February, with an average daily high temperature below 46°F and the hot season from June to September, with an average daily high temperature above 79°F. 

Cities Near Montgomery

  • Millbrook: 6.25 miles (10.06 km) northwest.
  • Coosada: 7.23 miles (11.64 km) northeast.
  • Blue Ridge: 10.29 miles (16.56 km) northeast.
  • Elmore: 10.59 miles (17.04 km) northwest.
  • Emerald Mountain: 13.81 miles (22.22 km) northeast.

The Cost of Assisted Living in Montgomery

The cost of assisted living in Alabama is much less than the national average. The average cost of assisted living in the city of Montgomery, Alabama is $3,134, which is lower than the state average of $3,250 and the national average of $4,051.Costs will vary because of the level of care a resident requires, and additional amenities, as well as the city in which you find a community or facility.

You want to consider your payment options for assisted living, memory care, and care homes. For these services, Medicare is NOT an option for payment.

The most common payment for these services would be out of pocket Private Pay and assessing a combination of retirement funds, personal savings, and pension payments.

Medicaid can also be an option, be sure to see if you or a loved one qualifies.

Long-Term Care insurance is also a possible option in cases of chronic conditions, be sure to see if you or a loved one qualifies.

For our Veterans and spouses of veterans, be sure to assess Veteran Aid and your eligibility for these benefits.

Medicare – NO:

  • Medicare does NOT pay for Assisted Living.
  • People 65 years and older and individuals with end stage renal disease are eligible for Medicare benefits, no matter their income.
  • Coverage is meant for people in need of short-term care.

Private pay – YES:

  • Many families pay for assisted living with private funds.
  • Private pay can be a combination of retirement funds, personal savings, and pension payments.
  • Family members may contribute funds to pay for assisted living or other senior housing and care.

Medicaid – MAYBE:

  • Medicaid provides health coverage to millions of Americans. Eligible participants include: low-income adults, elderly adults and people with disabilities.
  • Medicaid is administered by state, according to federal requirements. The program is funded jointly by each state and the federal government.
  • Every state has their own individual Medicaid assistance program.
  • National guidelines are in place do decipher how states must spend Medicaid money, but with allowances toward the guidelines.
  • The state determines what levels of care will be covered by Medicaid, who is eligible, and how much the state will reimburse the care community.
  • If you are unsure whether you qualify for Medicaid, you should apply. You may be eligible depending on your household income, family size, age, disability and other factors.

Long-term Care Insurance – MAYBE:

Long term care insurance is a great way to pay for assisted living, and planning ahead is important when considering how to pay for senior housing and care. Nearly 75% of people over the age of 65 will require long-term care and services at some point. Buying into long-term care insurance when a person is in their 50s and 60s is the most common time to do so.

  • Long-term care insurance helps cover the costs of chronic medical conditions.
  • Individuals and couples with the ability to pay into long-term care insurance have the advantage of a head start in allocating funds for senior care.

Veteran Aid and Assistance – MAYBE:

This benefit is available to some military veterans and surviving spouses who live in an assisted living community and those who have in-home care.

  • There are specific guidelines, but a veteran may qualify for as much as $2,050 each month.
  • A veteran with a sick spouse may be eligible for $1,600 per month.
  • If a veteran has passed, their surviving spouse can qualify for $1,300 per month.

Alabama Department of Senior Services – LSA serves low-income people by providing civil legal aid and by promoting collaboration to find solutions to problems of poverty. LSA offices handle civil cases only.

Alabama Department of Human Resources Adult Protective Services Division – The mission of the Adult Protective Services Division is to support and enable County Departments to protect elderly and disabled adults from abuse, neglect, and exploitation and prevent unnecessary institutionalization.

Alabama State Health Insurance Counseling Program – The Alabama Health Insurance Counseling Program gives free information and assistance on Medicare, Medicaid, Medigap, long term care, supplemental insurance, and other health insurance benefits.

Legal Services Alabama, Inc – LSA serves low-income people by providing civil legal aid and by promoting collaboration to find solutions to problems of poverty. LSA offices handle civil cases only.

Eldercare Locator This is a great resource to search for specific care in specific counties and cities. This database is a nationwide resource that connects older Americans and their caregivers with trustworthy local support resources. Connect with services such as meals, home care or transportation, or a caregiver education or respite from caregiving responsibilities. The Eldercare Locator is a public service of the Administration on Aging (AoA), an agency of the U.S. Administration for Community Living.

Medicare provides a search feature to find & compare providers near you, most senior housing and care providers are included on Find & compare plans in your area. Determine if you qualify for premium savings

Medicaid offers information on how to apply for Medicaid, eligibility criteria, links to local state offices, and additional resources

The Alzheimer’s Association is the leading voluntary health organization in Alzheimer’s care, support, and research. Whether you are living with Alzheimer’s or caring for someone with the disease, information and resources are available.

Questions to Ask

Finding an assisted living community can be overwhelming. Here are some tips on things to be observant of:

  • Make sure the facility is clean and well maintained. You can tell a lot about the operation by noting what is clean and maintained. Are doorknobs loose or damaged? Do you see any frayed carpet or trip hazards?
  • Visit during lunch hour to observe what the residents are eating. Ask questions about the nutrition program. Is there diversity in meals, healthy fruits and vegetables served at all meals, drink options?
  • Speak to residents and/or family members to learn their perspective.
  • Ask about staff and resident engagement. Get a feel for how staff interact with residents.
  • Ask about the life enrichment programs. Activities are crucial when it comes to quality of life and play a key role in care for older adults.
  • And finally (along with a plethora of more things to consider), get to know the leadership in the building. If you feel good around the Executive Director, Head Nurse, Lead Activities Director and even the Chef or Janitor, it is a good sign you can trust them with the care of your loved one.

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Care Availability

Written by The Care Availability Team
Experts in the senior care & retirement living industries

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