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The 10 Best Assisted Living Facilities in White Bear Lake, MN for 2024

With a wide variety of age-friendly recreational amenities, a historic downtown district and scenic lake views, White Bear Lake offers an engaging environment for retirees. The city is home to an estimated 24,000 people, about a fifth of whom are 65 and over. Low violent crime rates provide peace of mind to those transferring to the region for long-term care, and low health care costs can make the city a financially feasible option for those managing health conditions. The city also has several assisted living facilities to accommodate those with daily care needs.

On average, assisted living facilities in White Bear Lake charge $5,163 per month for housing and care. These facilities are staffed with highly trained caregivers who assist with activities such as bathing, and dressing and personal grooming according to personalized care plans. Residents live in comfortable private and semiprivate units and enjoy two meals daily.

This guide provides more information on assisted living costs in White Bear Lake, along with an overview of some of the ways residents pay for services. It also lists some local agencies and programs that provide free and low-cost services for seniors residing in or considering this community for assisted living. 

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Assisted Living Facilities in White Bear Lake, Minnesota

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What to Consider About Assisted Living in White Bear Lake

Assisted living facilities in White Bear Lake follow guidelines set by the Minnesota Department of Health. This department enforces a high standard of care for residents through strict licensing procedures related to care planning, staffing and building requirements. It also conducts random and scheduled inspections and investigates complaints from assisted living residents, staff or visitors.

Benefits and Drawbacks of Assisted Living in White Bear Lake

  • Compared to a state score of 97.2, the cost of living in White Bear Lake is rated 102.5 on a 100-point index based on national norms. This indicates living expenses here are slightly higher than in other Minnesota and U.S. cities. While residents may pay comparatively high rates for groceries, housing and transportation, assisted living may give seniors greater control over monthly expenses compared to living alone. 
  • Violent crime is relatively uncommon in White Bear Lake, with the city rating 10.3 on a 100-point crime index versus a national score of 22.7. While property crime is historically slightly more prevalent, earning the city a rating of 36.8 compared to 35.4 nationally, rates have been trending downward for the past two decades.
  • Minnesota has chilly winters and warm summers, appealing to older adults who enjoy seasonal weather. The city gets 33 inches of rain and 52 inches of snow annually, with precipitation falling 109 days per year, and skies are sunny an average of 195 days annually. Year-round temperatures range from lows of 6 degrees in the winter to highs of 83 in the summer.
  • Overall, health care costs in White Bear Lake come in about 12% lower than national norms, which may benefit seniors managing chronic health conditions. There are 279 doctors per capita compared to the U.S. average of 210, and over three dozen hospitals serve the region. While no hospitals are in the city proper, many assisted living facilities have on-call physicians who provide routine services.
  • Minnesota is among the few states that impose state income taxes on all retirement income, including Social Security benefits. However, those aged 65 and over whose annual income is below $33,700 can deduct up to $9,600, reducing what they owe in state taxes. 
  • Ramsey County, where most of White Bear Lake is located, has a moderate rating of C for 24-hour particle pollution and a passing grade for annual particle pollution levels from the American Lung Association. This may help to support the health and comfort of older adults considering this community for long-term care.

 

Paying for Assisted Living in White Bear Lake

Assisted living communities in White Bear Lake charge estimated monthly rates of $5,163 for care.

The Cost of Assisted Living in Nearby Cities

In White Bear Lake, assisted living residents pay $5,163 per month for housing and services, which is about $660 higher than state and national norms. Other surveyed cities in Minnesota have more economically priced care, with facilities in Duluth charging $5,000 per month for services and rates in Rochester and St. Cloud coming in at roughly $1,000 less than in White Bear Lake. Seniors may save up to $2,000 per month by obtaining care in Mankato as an alternative to White Bear Lake.

White Bear Lake

$5,163

Minnesota

$4,508

United States

$4,500

Rochester

$4,180

Mankato

$3,135

Duluth

$5,000

St. Cloud

$4,100

The Cost of Other Types of Senior Care

Compared to other long-term senior care options in White Bear Lake, assisted living is moderately priced at $5,163. This is nearly $1,900 less per month than the cost of in-home care and home health care. It’s also less than half the cost of nursing home care, which has base monthly rates of $11,708. Adult day health care may be a more budget-friendly alternative, with seniors paying $2,102 per month for this level of care. 

In-Home Care

$7,055

Home Health Care

$7,055

Adult Day Health Care

$2,102

Assisted Living Facility

$5,163

Nursing Home Facility (semiprivate room)

$11,708

Note: Data for White Bear Lake was unavailable, so data for the nearest city, Minneapolis, was used instead.

Financial Assistance for Assisted Living in White Bear Lake

There are several options in Minnesota for seniors who need help covering the costs associated with assisted living. Minnesota's Medicaid plan, Medical Assistance (MA), offers financial assistance to qualified seniors under their managed care programs. For seniors without Medicaid, the state has a few options such as the Group Residential Housing Assistance Program.

Learn more about these programs, plus who’s eligible, on our Assisted Living in Minnesota page.

Financial Assistance in Minnesota

More Ways to Pay for Assisted Living

While many families use their own funds or personal assets to pay for assisted living, there are plenty of additional options to cover these costs. Some additional ways to finance assisted living costs include:

  • Veterans Benefits
  • Life Insurance Policy
  • Long-Term Care Insurance
  • Reverse Mortgage

For more information about different ways to finance assisted living, visit our Assisted Living in Minnesota page.

Free Assisted Living Resources in White Bear Lake

White Bear Lake and the surrounding area are home to numerous government agencies and non-profit organizations offering help for seniors searching for or currently residing in an assisted living community. These organizations can also provide assistance in a number of other eldercare services such as geriatric care management, elder law advice, estate planning, finding home care and health and wellness programs.

To see a list of free assisted living resources in White Bear Lake, please visit our Assisted Living in Minnesota page.

Assisted Living Laws and Regulations in White Bear Lake

White Bear Lake Assisted Living Communities must adhere to the comprehensive set of state laws and regulations that all Assisted Living Facilities in are required to follow. Visit our Assisted Living in Minnesota page for more information about these laws.

Laws and Regulations in Minnesota

Reviews of Communities Nearby

Assisted Living

Bloomingal

I am a friend or relative of a current/past resident

Review of The Waters of White Bear Lake

Nice building and grounds. Many times there is no one at the front desk, and sometimes no one answers the concierge door buzzer. Light housekeeping is basically vacuuming, no dusting. They ran...

Read more

Assisted Living

Bryan

I am a friend or relative of a current/past resident

Review of Cerenity Residence - White Bear Lake

My father has moved into The Residence at Cerenity White Bear Lake. It's very good. They have activities every day and they check in on him. As he's improved a little bit, they adjusted his level...

Read more

Assisted Living

Marypat

I am a friend or relative of a current/past resident

Review of Harbor Crossing

My parents moved into Harbor Crossing. I give it excellent high marks on everything: the appearance, the hominess, and the cleanliness. The staff is very caring. The room is nice. It's newer, so...

Read more

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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