Assisted Living in Charlotte, NC

Assisted Living in Charlotte, North Carolina: Search Near You, How to Pay, Licensing, Local Resources, and Questions to Ask

Residential assisted living in Charlotte, North Carolina, offers a comfortable and supportive environment for older adults seeking personalized care while maintaining their independence. North Carolina consistently ranks in the top 20 states for its quality of assisted living facilities, highlighting its commitment to providing excellent care for seniors. With various amenities and tailored services, Charlotte’s assisted living communities are designed to meet the unique needs of individuals aged 55 and older, ensuring a fulfilling and engaging lifestyle.

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 Charlotte, NC

In Charlotte, North Carolina, residential assisted living is defined as a long-term care option designed for older adults who need assistance with daily activities but wish to maintain a level of independence. These communities offer a range of supportive services, including help with personal care tasks like bathing, dressing, medication management, and mobility. Residents in assisted living also benefit from housekeeping, meal preparation, and transportation services, along with social activities and wellness programs to enhance their quality of life. The focus is on creating a safe, engaging, and home-like environment where individuals aged 55 and older can enjoy their day-to-day lives with the right level of support and care.

Considerations when looking for Senior housing in Charlotte, NC

There are 23 assisted living communities in Charlotte, North Carolina. The estimated population of Charlotte is 911,311 with 10.7% of that number being those ages 65 and older. In Charlotte, the summers are hot and muggy, the winters are very cold and wet, and it is partly cloudy year round. Over the course of the year, the temperature typically varies from 33°F to 89°F and is rarely below 21°F or above 96°F.

Cities near Charlotte, NC

• Concord, NC: Approximately 25 miles northeast of Charlotte
• Gastonia, NC: About 25 miles west of Charlotte
• Matthews, NC: Roughly 12 miles southeast of Charlotte
• Huntersville, NC: Around 15 miles north of Charlotte
• Rock Hill, SC: Approximately 27 miles south of Charlotte

Pricing and How to Pay for Assisted Living

Paying for senior care depends on several factors. On average, residents can expect to pay $4,283 per month for assisted living services. These fees encompass personalized care, engaging activities, and comfortable accommodations, ensuring a fulfilling retirement experience. Keep in mind these costs may fluctuate depending on factors such as location and facility amenities.

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.

Questions to Ask

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

Local Hospitals and Healthcare Providers in Charlotte, NC

Atrium Health Carolinas Medical Center

• Address: 1000 Blythe Blvd, Charlotte, NC 28203
• Phone Number: (704) 355-2000

Novant Health Presbyterian Medical Center

• Address: 200 Hawthorne Ln, Charlotte, NC 28204
• Phone Number: (704) 384-4000

Atrium Health Mercy

• Address: 2001 Vail Ave, Charlotte, NC 28207
• Phone Number: (704) 304-5000

Atrium Health Pineville

• Address: 10628 Park Rd, Charlotte, NC 28210
• Phone Number: (704) 667-1000

Novant Health Matthews Medical Center

• Address: 1500 Matthews Township Pkwy, Matthews, NC 28105
• Phone Number: (704) 384-6500

Local Resources and Links

Centralina Area Agency on Aging Centralina AAA serves as the lead funder for aging services in the nine county region surrounding Charlotte, NC. Direct services also include evidence-based health programs and training and education.

North Carolina Division on Aging and Adult Services The Division of Aging and Adult Services (DAAS) works to promote independence and enhance the dignity of North Carolina’s older adults, persons with disabilities, and their families through a community-based system of opportunities, services, benefits, and protections- to ready younger generations to enjoy their later years- and to help society and government plan and prepare for the changing demographics.

The NC Seniors’ Health Insurance Information Program (SHIIP) The Seniors’ Health Insurance Information Program (SHIIP) answers questions and counsels Medicare beneficiaries and caregivers about Medicare, Medicare supplements, Medicare Advantage, Medicare prescription drug plans, long-term care insurance and other health insurance concerns. The counselors on our toll free line offers free and unbiased counseling on Medicare health care products. The North Carolina SMP Program provides assistance with Medicare/Medicaid billing errors, fraud and abuse.

Senior Legal Helpline Legal Aid of North Carolina’s Senior Law Project provides free civil legal help to North Carolinians who are 60 years of age or older. Priority is given to those with the greatest need. The Senior Law Project helps with wills, powers of attorney, public benefits (Medicaid, food stamps, Supplemental Security Income Program, Social Security Disability Insurance, etc.), abuse and neglect, unemployment compensation, housing (foreclosure, eviction, subsidized housing, repairs, utilities, etc.), consumer issues and wrongful repossession.

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.

Search Other Areas Assisted Living