As we age, finding the right care for ourselves or our loved ones becomes a key decision. For couples, assisted living offers a way to receive care while still living together. But one of the most common concerns is how much it will cost.
In this guide, we’ll answer the most important questions related to assisted living costs for couples. From understanding what factors influence the price to breaking down average costs by state, we’ll provide the information you need to make an informed choice.
What Affects the Cost of Assisted Living for a Couple?
Before we dive into the numbers, it’s important to understand what factors impact the cost of assisted living for couples. Here are some key considerations:
1. Location
Where you choose to live plays a huge role in the cost. Assisted living in Alaska, for instance, can be more affordable than in states like California or New York. However, even within a state, prices may vary depending on whether the facility is in a rural or urban area.
How much does assisted living cost in AK?
- In Alaska, assisted living costs for one person can range from $6,500 to $7,500 per month. For couples, the cost is slightly higher, but many facilities, like Briar Rose in the Matanuska Susitna Valley, offer affordable options that include top-quality care and beautiful living spaces.
2. Level of Care Needed
Assisted living facilities offer different levels of care, depending on the needs of their residents. Some couples may only need light assistance with daily activities, while others may require more intensive care. The more care required, the higher the price.
For example, if one partner needs memory care for Alzheimer’s while the other only requires minimal assistance, the overall cost will reflect both levels of care.
3. Room Type
The living space you choose also impacts the price. Couples often opt for shared one-bedroom apartments or suites to save money, but if both need separate rooms, the cost will be higher.
At Briar Rose, couples can share large, comfortable rooms with private balconies and access to recreation areas, allowing them to stay together while enjoying privacy.
4. Included Services
What’s included in the monthly price can vary from one facility to another. Some places offer meals, housekeeping, and transportation in their base cost, while others charge extra for these services. Extra amenities, like wellness programs or social activities, can also increase the overall cost.
How Much Does Assisted Living Cost for a Couple?
The cost of assisted living for a couple is influenced by all the factors above. To give you a clearer picture, here are some average costs:
- National Average for One Person (2024): Around $4,500 per month.
- Couples’ Average Cost: Couples usually pay between $5,500 and $7,000 per month, depending on their needs and living arrangements.
- Additional Fees for Second Person: Many facilities charge an extra $1,000 to $2,500 per month for the second person, covering their care, meals, and basic services.
Assisted Living Costs by State
The cost of assisted living varies widely depending on where you live. Here’s a look at how much you can expect to pay for assisted living in some states:
- Alaska: $6,500 – $7,500 per month
- California: $5,000 – $6,500 per month
- Florida: $3,500 – $4,500 per month
- New York: $5,500 – $6,800 per month
- Texas: $3,000 – $4,500 per month
These are rough estimates, and actual costs can differ based on the facility and the level of care required. For more personalized estimates, many people use an assisted living cost calculator to get a better idea of what to expect.
How Much Does Assisted Living Cost In 2024?
For 2024, the average monthly cost for assisted living in the U.S. is expected to be around $4,500 for one person. Couples can expect to pay $5,500 to $7,000 per month, depending on the state and services provided.
What Services Are Included in Assisted Living Costs?
Understanding what’s included in the price is important. Here’s a breakdown of the services you can expect in most assisted living facilities:
- Housing and Meals
- Private or shared apartments, often with access to common areas.
- Three daily meals, often with special dietary options.
- Daily Care Services
- Help with dressing, bathing, and other personal care needs.
- Medication management and health monitoring.
- Regular housekeeping and laundry services.
- Social Activities
- Exercise classes, arts and crafts, games, and other activities to keep residents engaged.
- Organized outings, like trips to local shops or parks.
At Briar Rose, all these services are included in the base cost, so couples can enjoy life without worrying about unexpected fees.
How to Calculate the Cost of Assisted Living
To get a clearer picture of the exact cost, many people use an assisted living cost calculator. These tools take into account factors like location, care level, and room type to give you an estimate based on your needs.
Here’s how you can calculate assisted living costs:
- Start with the base price of the facility (usually the cost for one person).
- Add the second-person fee (if applicable) for couples.
- Factor in additional services like memory care or physical therapy, if needed.
- Consider any extras, such as premium meals, private rooms, or special activities.
Using a calculator is a quick and easy way to understand what your monthly costs will be.
Financial Tips to Manage Assisted Living Costs
Paying for assisted living might seem expensive, but there are several ways to make it more affordable:
- Medicaid and State Programs
In some states, Medicaid can help cover the cost of assisted living for eligible seniors. Be sure to check what’s available in your area, as each state has different rules and benefits.
- Veterans Benefits
If one or both partners are veterans, they may qualify for benefits from the Department of Veterans Affairs. The Aid and Attendance program helps cover assisted living costs for veterans who need help with daily activities.
- Long-Term Care Insurance
Long-term care insurance policies can help cover some or all of the costs of assisted living. It’s important to check what your policy covers and if there are any waiting periods before benefits begin.
Conclusion
Planning for assisted living as a couple involves understanding the costs and finding a facility that meets your needs. From location and care level to room type and extra services, several factors affect the price. It’s important to research carefully and use tools like an assisted living cost calculator to get accurate estimates.
At Briar Rose, a recently remodeled 10-bedroom assisted living home nestled in the beautiful Matanuska Susitna Valley, couples can enjoy quality care in a peaceful setting. With compassionate staff, comfortable rooms, and plenty of activities to enjoy, Briar Rose is the perfect place for couples looking for full-time care in a homelike environment.
If you’re ready to learn more or schedule a tour, contact Briar Rose today to find out how we can help make assisted living affordable for you and your loved ones.