Unfortunately, nobody qualifies for assisted living financial assistance in Kentucky. The state doesn’t provide any funding for those in assisted living facilities, either through its regular Medicaid program or through waivers. Seniors will need to find alternative ways to pay for their care or look into alternative types of care, such as aging in place.

Paying for Assisted Living in Kentucky

Assisted living facilities in Kentucky typically charge around $3,448 per month, based on data from Genworth’s Cost of Care Survey 2021. As no state funding is available to help seniors meet care costs in assisted living communities, possible options for paying for care include:

  • Using savings and income
  • Obtaining a reverse mortgage (only available for property owners)
  • Claiming on insurance policies (only available for those with existing policies that cover long-term care)
  • Applying for Aid & Attendance benefit (only available for veterans)   
  • Asking for financial help from family members

Alternatives to Assisted Living in Kentucky

Older adults who meet financial and functional level of care requirements can receive Medicaid as an entitlement benefit to pay for all nursing home costs.

Seniors who can’t live independently but don’t need the intensive clinical care of a nursing home may be eligible for financial support for in-home care and services. Avenues to explore include:

  • Regular Medicaid for home health care services
  • Home and Community Based Waiver for home aide services and home-delivered meals
  • Kentucky Homecare Program for personal care, help with daily activities and home-delivered meals
  • Personal Care Attendant Programs for assistance with activities of daily and instrumental living
  • Kentucky Hart-Supported Living Program for live-in support, personal care and home care

Each program has its own eligibility criteria.