Assisted Living in Seattle: How Much Does it Cost & Why?

If you’re searching for assisted living in Seattle, 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 Seattle!

What is Assisted Living?

Assisted living provides a supportive residential environment for seniors who require some assistance with daily activities but do not need the intensive services of a medical facility. This living arrangement offers a balance between personal independence and access to care, all within a setting that feels like home. Residents can maintain an active and social lifestyle, with the added assurance of having staff available to support their needs. 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 Seattle

Nestled on the southeastern shore of Puget Sound, Seattle, Washington, often referred to as the Emerald City, is a vibrant urban oasis surrounded by the natural splendor of the Pacific Northwest. As the most populous city in the state with a population of around 750,000, Seattle is noted for its iconic skyline punctuated by the Space Needle, a landmark that offers panoramic views of the city and beyond. This dynamic city is a hub for culture and coffee, boasting attractions such as Chihuly Garden and Glass, Pike Place Market, and the Museum of Pop Culture. Known for its robust food-and-drink scene and diverse neighborhoods, Seattle also acts as a haven for nature enthusiasts, with its stunning coastal setting providing a backdrop for myriad outdoor activities.

How Much Does Assisted Living Cost in Seattle?

The national average cost of assisted living is just over $4,500 per month (Genworth Cost of Care Survey). In the state of Washington, the average is $6,000. Though the actual cost will vary by facility and services offered, the average monthly cost in Seattle is $6,750.

What Determines the Cost of Assisted Living in Seattle?

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 Seattle?

Let’s take a look at assisted living costs in Seattle compared to other senior care options:

How to Pay for Assisted Living in Seattle

Besides personal savings, those living in Seattle, WA have several possibilities that can help pay if and when it’s time for long-term care!

Long-Term Care Insurance

Conventional health insurance typically does not cover expenses related to long-term care, which often includes assistance with daily living activities and mobility. Thus, long-term care insurance has emerged as a viable option. This specialized form of insurance can provide coverage for a comprehensive range of services, such as custodial care, meal provision, housekeeping, and residence in 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:

VA Nursing Homes, Assisted Living, and Home HealthCare

Washington State Department of Veteran Affairs

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 even more info!

For Medicare help in Seattle, Washington, visit these resources:

Washington State Office of the Insurance Commissioner

Medicare Savings Program

Medicaid and State Resources

Every state has different qualification requirements for Medicaid and other payment resources.

For assistance in Washington, visit these resources:

Seattle/King County Area Agency on Aging

Washington State Department of Social and Health Services

WA.gov

Washington Association of Area Agencies on Aging

Washington State Council on Aging

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 Seattle, Washington, then start with the Senior Resource Seattle Assisted Living Directory!

If you’re looking for assisted living in the state of Washington, then try the Senior Resource Washington 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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Need help with retirement planning? Then check out Bob Carlson’s Retirement Watch!