What are the Average Assisted Living Costs in Georgia?
Assisted living is a residential arrangement that combines housing, personal care services and some measure of healthcare. These communities are good fits for those who need just a little help with a few basic activities – such as bathing, eating and dressing – but who are otherwise independent.
Assisted living communities are comfortable, homelike residential settings that provide services that minimize the need to move into a family member’s house or skilled nursing facility. These communities accommodate each resident’s changing needs and preferences while maximizing autonomy and safety. Assisted living communities also encourage family and community involvement to support an independent lifestyle.
When choosing an assisted living community in Georgia, many people become concerned about cost. We understand. Here, we break down factors that affect those costs, ways to pay these costs, and why the cost of assisted living may be less than most people realize.
Factors Affecting the Cost of Assisted Living
A number of personal and environmental factors can affect the cost of assisted living. Personal factors include:
- Level of care
- Apartment choice
- Choice of private room or shared room
- Preferred amenities
- Preferred common spaces, such as outdoor walking paths, courtyard gardens, theaters and media rooms, and beauty and barber salons
Environmental factors affecting assisted living costs include:
- Geographic location: the cost of assisted living can vary between cities and states, and between urban and suburban areas
- State regulations: each state has different regulations regarding the care provided in assisted living, fire codes, staffing regulations and a variety of other legal factors
- Occupancy rate: assisted living communities with limited vacancies may increase rates according to supply and demand
Assisted Living Costs in Georgia
The median cost of assisted living in the United States was $4,051 in 2019, according to Genworth. Assisted living pricing can vary from state to state.
Georgia assisted living communities cost significantly less, at $3,335 per month in 2019. In fact, only Alabama, Arkansas and Missouri are less expensive when it comes to assisted living services. By comparison, the District of Columbia is the most expensive state for assisted living, at $11,288 monthly. New Hampshire was a distant second, at $7,021 per month.
As in other states, assisted living costs in Georgia vary from city to city. Atlanta has the highest assisted living pricing, at $3,750 monthly. Kennesaw assisted living communities range in price from $2,635 to $3,565 per month.
While the cost of assisted living might seem overwhelming, it is more affordable than many other options. The average cost of a semi-private room in Georgia nursing home was $6,684 per month in 2019, for example, and $7,148 for a private room. Even a home health aide was $3,909 monthly – and that was for only 44 hours of care per week. This means assisted living can be among the more affordable and convenient living options for those who do not need close medical supervision.
Ways to Pay for Assisted Living in Georgia
There are several ways to pay for assisted living in Georgia. Some life insurance policies allow “accelerated” or “living” benefits that you can apply to assisted living or nursing home care, for example. You can use your annuities, which are types of policies in which you had made a lump sum payment or series of payments in the past and now receive regular disbursements. If you own your home, reverse mortgages may be an option; you might also consider renting out your home.
Veterans who receive a pension from the U.S. Department of Veterans Affairs may be eligible for VA Aid and Attendance benefits. To qualify, you must need another person to help you perform daily activities or you must have limited eyesight of 5/200 or less in both eyes, even with eyeglasses or contacts.
Programs to Help Cover Assisted Living Costs in Georgia
You may be able to find financial help to cover assisted living costs in Georgia. Medicare covers only short-term, non-custodial care in a skilled nursing facility and does not pay for long-term care, like that provided in an assisted living community or residential care home. However, Medicare may cover some of the short-term healthcare costs you would incur during your stay in an assisted living community.
Medicare coverage includes:
- 100 percent of the first 20 days you spend in a Medicare-approved skilled nursing facility after being in the hospital for 3 or more nights
- Everything but the daily coinsurance for days 21 through 100 in a Medicare-approved skilled nursing facility; you would pay up to $170.50 per day for services covered by the program
- Short-term rehabilitation care at a nursing home after a hospital stay
- Rehabilitation services and in-home therapy, but only in specific cases
Services provided to skilled nursing home residents include a semi-private room, meals, dietary counseling and limited ambulance transportation. Services also include some types of medical care at a skilled nursing home, such as skilled nursing care, physical and occupational therapy, medications, and medical supplies and equipment used within the facility.
Medicaid is a federal and state program that helps those with limited incomes and resources cover the costs of medical care. Medicaid coverage varies from state to state, so coverage for assisted living can vary by location. Coverage also varies according to each resident’s individual healthcare needs.
Like many other states, Georgia offers Medicaid programs that help residents pay for assisted living. Georgia offers Service Options Using Resources in a Community Environment that can help cover costs of assisted living in Georgia.
In general, these programs will pay for the following assisted living services:
- Nursing care
- Case management
- Medication management
- Medical exams
Learn About Assisted Living in Georgia
When you consider assisted living options in Georgia, we hope you consider a Heritage community. With no large up-front fees and a manageable monthly rental fee, Heritage helps give you control of your budget and puts the support you need within reach. We offer an intimate design to ensure individual attention and create a warm family-oriented atmosphere; we also offer comprehensive services and amenities that keep you engaged.
Life at Heritage’s Atlanta communities offer an outstanding value and the ultimate in everyday comfort. Visit our location pages in Kennesaw, GA, Peachtree, GA and Marietta GA to learn more about our warm and welcoming communities.