What each option costs and how families pay for it.
Senior care can run from a few thousand to over ten thousand dollars a month — and most of it isn't covered by Medicare. Here's what each option costs and how families fund it.
For seniors who need help with daily tasks but not constant medical care — nationally $4,500–$5,500/month, more in high-cost states. Estimate by region and care level in the assisted living calculator.
Great for part-time help; the cost is hourly, so it stays affordable until needs grow — then it can exceed facility care. Estimate it in the in-home care calculator.
Skilled nursing is the most expensive tier ($8,000–$10,000+/month); memory care adds a premium for secured, specialized dementia support. See the nursing home and memory care calculators.
Medicare covers short-term skilled rehab after a hospital stay — not long-term custodial care. Most families pay privately, then turn to long-term care insurance or Medicaid after spending down assets.