Assisted Living in Philadelphia: How Much Does it Cost & Why?
If you’re searching for assisted living in Philadelphia, then start here!
It’s estimated that over 810,000 people in the US reside in assisted living facilities. This generally includes seniors who need help with personal care or are showing signs of declining health; those who need help with some things – just not round-the-clock care. Over half of all assisted living residents are aged 85 years or older. If you or a loved one have decided that it’s time to transition to this type of care, it can be useful to know what to expect. So, here is everything you need to know about the cost of assisted living in Philadelphia!
- What is assisted living?
- About Philadelphia…
- How much does assisted living cost in Philadelphia?
- What determines the cost of assisted living in Philadelphia?
- How much does assisted living cost compared to other senior care options in Philadelphia?
- How to pay for assisted living in Philadelphia
- Need help finding assisted living?
- Need something else?
What is assisted living?
Assisted living is a long-term care option for older adults who would benefit from some extra care, but don’t quite need a medical facility. This type of senior housing combines caregiving and independence in a home-like setting. Senior residents are able to stay active and social with help and support from staff. Common features to look for in an assisted living facility are:
- A variety of services including things like housekeeping, home maintenance, and transportation
- 24-hour emergency care
- Personal care assistance
- Transferring assistance
- Supervision
- Well checks
- Multiple prepared meals per day
- A variety of amenities including things like fitness centers, worship centers, and on-site salons
- And many, many more…
About Philadelphia…
Philadelphia, the City of Brotherly Love, is the largest city in Pennsylvania by population. Of its 1.6 million residents, over 13% are aged 65 and older. According to Best Places, Philadelphia’s cost of living is 1.2% higher than the national average. Even so, retirees find that there’s no place like Philly, as it is home to some of the most famous American historical sites, including Independence Hall and the Liberty Bell. It’s an eclectic hub for sports fans, art enthusiasts, and foodies alike. Spend the day rooting for the Eagles and eating cheesesteak. Then, visit The Philadelphia Museum of Art where Sylvester Stallone famously raced up the stairs as Rocky Balboa.
How much does assisted living cost in Philadelphia?
The national average cost of assisted living is just over $4,500 per month (Genworth Cost of Care Survey). In the state of Pennsylvania, the average is $4,100. Though the actual cost will vary by facility and services offered, the average monthly cost in Philadelphia is $5,685.
What determines the cost of assisted living in Philadelphia?
The overall cost of an assisted living facility will greatly depend on how many services and which types you will need. Someone who needs very little assistance can expect to have a lower monthly bill than someone who needs lots of hands-on care. Also, factors like floor plans and meal services will affect the price, as well as the staff-to-resident ratio.
There are typically two ways assisted living is charged: a la carte and all-inclusive.
An a la carte bill will be itemized. It usually includes monthly rent (room and board), care service fees, medication management, medical assistance, and other housekeeping or repair services. Charges for some recreational activities may also show up here.
All-inclusive is exactly how it sounds. There will be one monthly fee that covers rent and all amenities and services you may use. However, with this type of billing, sometimes the extent to which some services can be used is capped.
How much does assisted living cost compared to other senior care options in Philadelphia?
Let’s take a look at assisted living costs in Philadelphia compared to other senior care options:
| Type of Care | National Average Monthly Cost | Pennsylvania Average Monthly Cost | Philadelphia Average Monthly Cost |
|---|---|---|---|
| Assisted Living | $4,500 | $4,100 | $5,685 |
| Homemaker Services | $4,957 | $4,957 | $5,329 |
| Home Health Aide | $5,148 | $4,957 | $5,339 |
| Adult Day Health Care | $1,690 | $1,625 | $1,777 |
| Nursing Home, Semi-Private Room | $7,908 | $10,403 | $11,437 |
| Nursing Home, Private Room | $9,034 | $11,157 | $12,897 |
How to pay for assisted living in Philadelphia
Besides personal savings, seniors living in Philly have several possibilities that can help pay if and when it’s time for long-term care!
Long-Term Care Insurance
Traditional health insurance rarely pays for costs associated with long-term care. Help with daily activities and mobility are a pretty big part of receiving long-term care. So, that’s where long-term care insurance can help. It can cover custodial care, meal services, housekeeping services, and yes, assisted living facilities.
Veteran Benefits
The VA will cover the cost of many services under standard health benefits.
To see a full list of long-term care services and to apply for assistance, check out these resources:
Pennsylvania Department of Military and Veterans Affairs
Pennsylvania Veterans Registry
Medicare
It’s no secret that Medicare doesn’t pay for long-term care, so don’t count on it to flip your bill for rent. However, under the right circumstances, assisted living residents can still use it in other ways. Here’s how:
If you receive any medically necessary skilled nursing care while in assisted living, it may be covered by Original Medicare (Parts A & B). Treatments such as daily injections, IV therapy, or wound care are examples. Also, if you ever find yourself in the hospital for inpatient care, Medicare coverage can be used.
Your Medicare Advantage Plan most likely won’t pay for any custodial care. But, it will pay for some skilled nursing, prescription medications, and even emergency services. Check your health plan for specific info!
Medicare Part D will pay for prescription medication, even while residing in assisted living! Check out Medicare.gov for more info!
For more Medicare help visit these resources:
Pennsylvania Medicare Counseling
Pennsylvania Insurance Department – Medicare Supplement Coverage
Medicaid
Medicaid is a joint federal and state program that helps low-income individuals pay for care. It can help with the cost of both custodial and medical care. Every state has different qualification requirements.
For eligibility and enrollment info, visit these resources:
Pennsylvania Area Agency on Aging Locator
City & State Assistance
Many cities and states will offer additional assistance outside of Medicaid. Check these resources to find more help in your area:
City of Philadelphia Programs & Initiatives
Need help finding assisted living?
Assisted living may be the perfect option for seniors who don’t want to trade their active or independent lifestyle for ADL assistance. But, choosing a new place to live is an important decision – so, you may want a little help! If you’re looking for assisted living in Philadelphia, Pennsylvania, then start with the Senior Resource Philadelphia Assisted Living Directory!
If you’re looking for assisted living in the state of Pennsylvania, then try the Senior Resource Pennsylvania Assisted Living Directory!
Or, if you’re moving somewhere else, check out our resources by state!
To learn more about assisted living, click here.
Need something else?
Whether it’s time for a change, or you’re just doing some research, we can help! At SeniorResource.com, we believe in the empowerment of older adults and their caregivers through knowledge. But, we also understand that at this juncture of life, time is your most valuable asset. So, why waste it doing another internet search? Senior Resource is your one-stop spot for all things retirement. We do the work and find all the facts, just so you don’t have to!
SeniorResource.com exists to provide aging adults, retirees, and caregivers with applicable, and educational content, relevant to the over 55 community. As such, we address topics like senior housing, nursing care, and aging-in-place.
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Originally published January 31, 2024
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