Assisted Living in St. Louis, MO

Assisted Living in St. Louis, Missouri : Search Near You, How to Pay, Licensing, Local Resources, Questions to Ask, Links and Resources

Residential assisted living in St. Louis, Missouri, presents seniors aged 55 and above with a welcoming and supportive community tailored to their unique needs. With a focus on personalized care and a variety of amenities, these facilities offer a sense of belonging and security for older adults in the heart of the Midwest. Missouri ranks among the top states for assisted living, ensuring seniors access to high-quality care and diverse options as they embark on this new chapter of their lives in St. Louis.

Some are available for private pay, and others for Medicaid-paid residents. Assisted Living provides protective oversight, personal services, social care needed because of impaired capacity to live independently, and regular supervision on a 24-hour basis.

About Assisted Living in St. Louis, MO

Residential assisted living in St. Louis, Missouri, encompasses specialized housing facilities designed to cater to the needs of individuals aged 55 and above who require varying degrees of assistance with daily activities. These facilities offer an array of services including meal preparation, housekeeping, medication management, transportation assistance, and personal care support such as bathing and dressing. Furthermore, they often provide opportunities for social engagement and recreational activities, fostering a sense of community and companionship among residents. St. Louis, as part of Missouri, prioritizes ensuring high-quality care and diverse options for seniors, thus providing a nurturing and enriching environment for older adults seeking a blend of independence and assistance in their daily lives.

Considerations when looking for Senior housing in St. Louis, Missouri

There are 81 assisted living facilities located in St. Louis, MO. The estimated population of St. Louis is 286,578 with 14.5% of that number being those ages 65 and older. In St. Louis, the summers are hot and muggy, the winters are very cold and snowy, and it is partly cloudy year round. Over the course of the year, the temperature typically varies from 25°F to 89°F and is rarely below 9°F or above 97°F.

Cities near St. Louis, Missouri

• Chesterfield, MO – West, approximately 20 miles
• Clayton, MO – East, approximately 10 miles
• Florissant, MO – North, approximately 17 miles
• St. Charles, MO – Northwest, approximately 25 miles
• Belleville, IL – Southeast, approximately 15 miles

Pricing and How to Pay for Assisted Living

Paying for senior care depends on several factors. The average cost of residential assisted living in St. Louis typically ranges from $3,000 to $6,000 per month, depending on the level of care needed and the amenities provided.

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.

Local Hospitals and Healthcare Providers in St. Louis, Missouri

• Barnes-Jewish Hospital
  • Address: 1 Barnes Jewish Hospital Plaza, St. Louis, MO 63110
  • Phone Number: (314) 747-3000

• SSM Health Saint Louis University Hospital
  • Address: 3635 Vista Ave, St. Louis, MO 63110
  • Phone Number: (314) 577-8000

• Mercy Hospital St. Louis
  • Address: 615 S New Ballas Rd, St. Louis, MO 63141
  • Phone Number: (314) 251-6000

• Kindred Hospital St. Louis
  • Address: 4930 Lindell Blvd, St. Louis, MO 63108
  • Phone Number: (314) 955-0000

• Missouri Baptist Medical Center
  • Address: 3015 N Ballas Rd, St. Louis, MO 63131
  • Phone Number: (314) 996-5000

Questions to Ask

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

Resources and Links

Missouri Division of Senior and Disability Services They cover the entire state of Missouri. We offer assistance and evaluations connecting to medicaid home and community based services and information and referral.

Senior Age Area Agency on Aging The Senior Age Area Agency on Aging offers customized information searches for calls, walk ins, emails or letters requesting information and or assistance with any issue regarding individuals age 60 or better.

State Office of Long-Term Care Ombudsman Program Then we have three State Office staff who will be advocating for residents in Assisted Living and Residential Care Facilities. These ladies are:
Chris DeLaPorte who covers the Northeast Missouri region, Becky Foshee who covers Southwest Missouri region, and then Linda Daugherty who covers Central Missouri.

Adult Abuse and Neglect Hotline Missouri’s Adult Abuse and Neglect Hotline responds to reports of abuse, neglect, and financial exploitation. If you suspect someone is being abused, neglected or exploited, call the hotline at 800-392-0210. Hearing-impaired persons may call the Telecommunications Device for the Deaf (TDD), at 800-735-2466 or 800-735-2966 to utilize Relay Missouri.

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 CareAvailability.com. 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.

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