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Memory Care in Rhode Island

Rhode Island has a population that’s just slightly older than average for the country, with an estimated 17.7% of the population aged 65 or over. Even so, the impact of Alzheimer’s disease in the state has been relatively high. In 2019, there were 456 deaths attributed to the disease, and it ranked fifth in leading causes of death for Rhode Island residents.

Although the state has a generally high cost of living, Rhode Island’s average health cost is 19.9% lower than the U.S. average. Short-term hospital care is often required for people with Alzheimer’s, due to a fall or accident, but shouldn’t be considered an alternative to the types of services and living environments of memory care programs. These specialized programs are relatively expensive, however, with an average cost of $8,533 for memory care in Rhode Island.

Memory care can either be offered on its own in a community designed especially for those with dementia or Alzheimer’s, or, more often, it’s provided as a service in a separate wing of an assisted living facility. Memory care programs are designed specifically for those with memory impairment, and the facilities often coordinate social activities and schedules specifically for the needs of those living with Alzheimer’s or dementia.

This guide gives seniors and families an overview of memory care costs in Rhode Island and the wider region, as well as an explanation of the state’s financial assistance and other resources.

The Cost of Memory Care in Rhode Island

When trying to decide how to pay for memory care, one of the first questions that comes up is "How much does it cost?" With the impact of inflation, it's more important than ever to have up-to-date information when making a financial plan for senior living. To help shed light on real senior living prices, Caring.com has compiled proprietary cost data from its network of over 75,000 senior living providers to offer insight into the average cost of memory care in Rhode Island and its 5 cities.

Note: Memory care services and programs are generally provided by assisted living facilities, with expected additional costs of up to 20-30% of the usual rate. As such, we’ve compared costs by adding 25% to the assisted living data in Genworth Financial’s 2021 Cost of Care Survey.

Rhode Island’s monthly average cost for memory care is $8,533, which is almost $3,000 higher than the U.S. average. Prices are similarly high in some nearby states, with Massachusetts offering little relief at $8,125 per month. New Hampshire residents save approximately $1,000 per month in memory care fees compared to Rhode Island. Connecticut and New York have the lowest average costs, with a considerable gap of around $2,100 to $2,800 per month between the cost in Rhode Island.

The Cost of Memory Care in Rhode Island's Top Cities

Looking at the intriguing world of memory care in Rhode Island's top cities, there's quite the gamut of figures. Providence and East Providence paint a stark contrast of $7,850 to $9,471, respectively, whereas the welcoming town of Smithfield is much more affordable at $4,600. Nestled somewhat in the middle is Warwick, with an average cost of $6,250. These price disparities underscore the significance of comparing options, so be thorough when researching.

Rhode Island

$7,307

Providence

$7,850

Warwick

$6,250

Smithfield

$4,600

East Providence

$9,471

Inflation's Impact on the Cost of Memory Care in Rhode Island

The cost of memory care in Rhode Island has undergone significant inflationary effects, as evidenced by a striking 21.6% increase from 2022-2023. In contrast, the U.S. witnessed a more moderate 10.4% rise. Neighboring states display divergent outcomes, with Connecticut seeing a 0.7% decrease and Massachusetts at a 1.8% increase. Maine stands as an outlier with a considerable 28.3% surge, while New Hampshire aligns more closely with the rise in the national average cost with a 12.6% jump. Given these complex trends, it's important to use proactive financial planning to navigate the landscape of memory care.

Location2022 Cost (Historical)2023 Cost (Current)2024 Cost (Estimated)
Rhode Island$6,008$7,307$7,782
U.S. Average$4,863$5,369$5,792
Connecticut$7,310$7,257$7,637
Massachusetts$7,570$7,706$7,782
Maine$6,600$8,469$9,019
New Hampshire$6,364$7,169 $7,635

The Costs of Other Types of Senior Living

A range of options emerges for senior living in Rhode Island, each tailored to meet diverse requirements. The divergent costs stem from specialized services and amenities. Assisted living offers a budget-friendly choice at $4,997, in contrast to memory care at $7,307 and independent living as the most economical at $4,250. Thoughts of individual needs and preferences play a vital role in assessing expenses, but the right balance enhances the senior living experience.

Assisted Living

$4,997

Memory Care

$7,307

Independent Living

$4,250

Does Medicaid Cover Memory Care in Rhode Island?

Note: For the purposes of this guide, when we say “Memory Care” we are referring to memory care provided in a “social setting,” such as an Assisted Living Facility. This is the most common way to receive Memory Care and is the best fit for all but the frailest seniors. Sometimes the actual service of memory care can be provided in a Nursing Home (“medical setting”), so the financial assistance options will be very different. To learn more about the financial assistance options available for memory care provided in a nursing home, read our guide to Nursing Home Care in Rhode Island.

Yes, some low-income residents may be eligible for at least partial coverage of memory care services received in licensed facilities via Medicaid in Rhode Island. This type of personal care and supervision in a residential setting is provided as one of many Medicaid Long-Term Services and Supports that may be granted upon approval.

Applicants for LTSS must be eligible for Medicaid, financially and otherwise, while also meeting certain functional/clinical requirements that can only be determined during the initial and follow-up assessments. Further details on eligibility and where to find help are provided below.

What Memory Care Services Are Covered by Medicaid in Rhode Island

Some or all of the services listed below may be provided at no cost to residents of approved assisted living and memory care facilities in Rhode Island. Room-and-board costs aren’t covered by Medicaid.

 

  • Assisted living/personal care
  • Homemaker/housekeeping
  • Medical equipment and supplies
  • Case management
  • Environmental modifications/minor home modifications
  • Personal Emergency Response System

 

Coverage of many services is determined for each person based on their needs, including financial, functional and medical requirements. A case manager or memory care facility staff can help with the process.

How to Know if You’re Eligible for Medicaid in Rhode Island

Medicaid is available to low-income residents in various eligibility groups, including the elderly and people with disabilities. Coverage for assisted living and memory care services, however, requires additional approval for Medicaid Long-Term Services and Supports. As such, the eligibility overview below is designed for seniors and people with disabilities, and these details are relevant to memory care coverage in particular.

The maximum allowable income for an individual is equal to 300% of the current SSI Federal Benefit Rate. As of 2023, this adds up to a maximum income of $2,742 per month or $32,904 per year for an individual. Virtually all sources of income are considered in the financial eligibility process. Many assets don’t count toward the limit of $4,000 per person, however, such as a vehicle, household goods and the home/property itself if it’s occupied by family.

 

Household SizeNumber of ApplicantsIncome Limits Per Year*Asset Limits: Applicant(s)Asset Limits: Non-Applicants
One Person1$32,904$4,000
Two People1$32,904**$4,000$148,620
Two People 2$65,808***$8,000****

*Depending on the facility setting, a recipient may not be able to keep income up to this level.

**Income limit is for applicant only.

***Income is limited to $2,742 per month per spouse.

****Assets are limited to $4,000 per spouse

In addition to the financial criteria, the following requirements must be met by applicants for Long-Term Services and Supports coverage from Medicaid.

  • Aged 65 or blind/disabled (as defined by Social Security)
  • Documented need for the level of care provided (help with functional activities, for example)
  • Rhode Island resident and United States citizen or satisfactory immigration status

Applicants are assessed as to their medical diagnosis and treatments, cognitive status and functional ability. Memory loss and other issues related to Alzheimer’s are reported in the assessment, as well as the individual’s expected daily care needs in their home, a memory care program or other long-term care. The level of care assessment must be performed by a licensed health care provider, which will be arranged soon after a request for LTSS is made.

 

How to Apply for Medicaid in Rhode Island

Rhode Island’s official health coverage marketplace, HealthSource RI, accepts online applications for Medicaid. The website has a helpful process of checking eligibility for various programs automatically, and telephone or in-person support is also available.

Alternatively, applications can be submitted to the regional offices of the Department of Human Services. The statewide DHS Call Center can be reached at (855) 697-4347.

Information You Will Need

Applicants may be asked to verify certain information as their request makes its way through the system. The following is a broad list of information that may be in question at some point.

 

  • Valid identification and Social Security number
  • Proof of state residency (for example, utility bill for an address in Rhode Island)
  • Financial records that include assets, income and expenses
  • Details of any current health care coverage, life and other insurance policies

 

Seniors who are currently receiving other types of public assistance, or have in the past, may not need to provide as many supporting documents if the necessary information can be retrieved.

How to Get Help Applying for Medicaid

There is help available for each step of the application process, including before and after, from the free programs and agencies listed below. Seniors and families can ask questions and get one-on-one options counseling to help determine a care plan that best fits the situation for each individual.

ProgramContactServices provided
Certified Application Counselors and NavigatorsVisit the website for local in-person assistance or call HealthSource RI at (855) 840-4774HealthSource RI is the official health insurance coverage marketplace for Rhode Island. Help is available with Medicaid, and if the individual doesn't qualify, staff try to find an affordable plan. In-person assistance is available in several locations, with details and contacts listed on the website.
The PointCall (401) 462-4444 or find a local office via the websiteThe Office of Healthy Aging is a useful source of information and assistance for people aged 55 and over. The helpline is open 24/7 to answer questions about health care, public benefits, private programs and other aging-related concerns. Residents can also find help in person at local offices.
DHS Call CenterCall the statewide helpline at (855) 697-4347 or find a local office via the websiteThe Department of Human Services is responsible for the state Medicaid program and should be contacted for help understanding the requirements and completing the application. This statewide call center can provide answers and solutions to some issues over the phone, and in-person assistance is available at local offices.

Does Medicare Cover Memory Care in Rhode Island?

The short answer is that no, Medicare does not cover the cost of memory care in Rhode Island. As was mentioned above, this doesn’t apply to Memory Care received in a Nursing Home. Since it is the most common to receive memory care in a “social setting” (such as an assisted living facility), Medicare won’t be a viable financial assistance option for most seniors who need Memory Care. However, Medicare will still cover things like approved medications, doctor visits, medical equipment, etc., just like it would if you lived at home.

For more information about when Medicare can be used to pay for Memory Care in a nursing home, and for Medicare-related resources, see our guide to Nursing Homes in Rhode Island.

Other Financial Assistance Options for Memory Care in Rhode Island

Seniors who are not eligible (due to location, financial situation, or other factors) for other types of financial assistance, do still have some options. See the table below for an overview of some of the most common ways to make Memory Care affordable.

NameHow To ApplyHow It Works
Aid and AttendanceLearn more and apply online at va.gov.Veterans who receive a VA pension may also be eligible for the Aid and Attendance benefit, a monthly cash allowance that veterans receive in addition to their standard pension amount. The benefit is intended for veterans in need of long-term care services and may be used towards paying for Memory Care.
Reverse MortgagesLearn more about your options and how to apply at ftc.govIf you own a home, you may be able to use a reverse mortgage to help pay for Memory Care. Reverse mortgages are loans that one can take out against the value of their home, essentially converting some of the home's equity into cash. Reverse mortgage loans do need to be repaid with interest, typically within 12 months of receiving the loan.
Long-Term Care (LTC) InsuranceLearn more about Long-Term Care Insurance and how to apply for a policy at acl.gov.Seniors who already have long-term care insurance may be able to use it to pay for Memory Care. Most policies cover at least a portion of the cost, but it depends on the specific policy terms. Note that older adults who are already in need of Memory Care will not typically be eligible to sign up for a LTC insurance policy.

Free and Low-Cost Resources for Seniors in Rhode Island

There are many resources in Rhode Island that assist seniors in their retirement. Caring.com has compiled information on local organizations, programs and agencies and categorized them into care types for easy reference.

 

Area Agency on Aging

Retirees can find support and advice on various senior-related issues from their local Area Agency on Aging. The agency provides advice on topics such as financial assistance programs, in-home care and long-term care planning. It also connects seniors and caregivers with community-based resources.

Program NamePhone NumberDescription
Rhode Island Office of Healthy Aging401-462-3000The Rhode Island Office of Healthy Aging is the state's designated unit on aging. Its vision is to ensure all Rhode Islanders age strongly and have the information and resources they need. Seniors aged 55 and older can receive help obtaining housing, at-home companionship and care, home-delivered meals, transportation and respite care. They can also get legal assistance and referrals and assistance with the cost of prescription drugs, chronic disease management and free health care insurance counseling.
Point: My Options RI ADRC 401-444-0600This free resource provides a range of services for older adults in Rhode Island. People ages 55 and older as well as those living with disabilities can access 24/7 phone support from trained professional counselors. Interpreters at the Point ADRC provide assistance in more than 100 different languages. Family members can seek referrals if a loved one has memory or cognitive symptoms. Other services include help with Medicare, caregiver support, long-term care help and assistance with nutrition, energy and health care.

Cash Assistance Programs

Cash assistance programs in Rhode Island provide financial support to help low-income retirees remain in their own homes for as long as possible. Seniors and caregivers can apply for tax rebates and reductions, discounts on vital services and help covering the cost of heating and cooling their home.

Program NamePhone NumberDescription
Rhode Island Lifeline Program800-234-9473The LifeLine Program offers a discount on landline or mobile telephone service, ensuring that participants can stay in contact with loved ones.

Financial Assistance for Senior Care and Senior Living

Whether living in their own home or in a senior living community, Rhode Island seniors can find financial assistance from numerous local resources. These organizations help residents cover some of the costs associated with in-home or long-term care and connect them with other helpful community-based resources.

Program NamePhone NumberDescription
Rhode Island Nursing Home Transition Program401-462-6393The NHTP is an initiative of the Health and Human Services Department that helps current nursing home residents who are moving back to their homes or other community-based settings, such as memory care programs and assisted living.

Food Assistance Programs

Local organizations help ensure elderly citizens have a balanced diet and receive essential vitamins and minerals to remain healthy. Through nutrition programs, congregate meals, home-delivered meals and food pantries, these programs help Rhode Island seniors afford the nutritious food they need.

Program NamePhone NumberDescription
Rhode Island Supplemental Nutrition Assistance Program (SNAP)855-697-4347The Rhode Island Supplemental Nutrition Assistance Program helps low-income seniors and families obtain healthy food to meet their nutritional needs. To be eligible, households must meet specific income, expenses and resources guidelines. Electronic benefits transfer cards are given to recipients, who can use them like debit cards to purchase qualifying food and beverage items at supermarkets, grocery stores and farmers markets statewide as well as at participating online retailers. It can't be used for alcohol, tobacco or prepared food items.
Rhode Island Community Food Bank 401-942-6325The Rhode Island Community Food Bank works with over 140 member agencies to serve roughly 80,000 state residents per month. Seniors and other Rhode Island residents experiencing food insecurity can contact the RICFB for help finding local food distribution points, applying for SNAP benefits and receiving the federal-level Commodity Supplemental Food Program. The organization also maintains a spice box program that helps participants keep their kitchen pantries stocked with flavoring elements.
Rhode Island Meals on Wheels401-351-6700In Rhode Island, a single organization provides Meals on Wheels throughout the state. Meals are delivered each weekday and provide one-third of the participant's recommended daily dietary intake. The program also provides a daily well-being check and helps to lessen isolation. Other programs offered include cafe programs and pet food delivery.
Rhode Island Senior Farmers Market Nutrition Program (SFMNP) 401-222-4700The Rhode Island Farmers Market Nutrition Program is a USDA-run and locally officiated initiative aimed at bolstering senior nutrition with seasonal fresh fruits and vegetables. It provides eligible Rhode Island adults over 60 with twice-yearly food parcels consisting of fresh produce, honey and herbs sourced from local farmers. Low-income seniors who meet certain household income thresholds can sign up at various locations or online. Pickup locations are situated across Rhode Island, with details also accessible online.

Financial Assistance for Senior Living

Low-income elderly individuals in senior living communities can access financial assistance through local-run programs. These Rhode Island resources offer advice, guidance and support to help older adults pay for the services offered by long-term care providers.

Program NamePhone NumberDescription
LeadingAge Rhode Island (LARI)401-490-7612LeadingAge Rhode Island is a not-for-profit organization made up of a group of aging services providers, including nursing homes, day health service providers, senior housing providers and other organizations. It connects seniors to service providers and offers information and advocacy services to help people maintain a high quality of life as they age.
Rhode Island Assisted Living Association401-435-8888RIALA is a nonprofit membership organization comprised mostly of professionals in the assisted living sector. The website can be a great source of information for anyone else interested in learning more about assisted living, such as how it works, how it's paid for and which particular facilities accept public funding sources.

Free Used Medical Equipment

Due to the high cost of purchasing new medical equipment, several organizations in Rhode Island collect lightly used medical devices such as wheelchairs, ramps and walkers and distribute them to local seniors and residents in need.

Program NamePhone NumberDescription
Rhode Island Adaptive Telephone Equipment Loan (ATEL) Program401-486-3325ATEL provides adaptive home telephone and wireless to people who are deaf or hard of hearing or who have a speech disability or a neuromuscular condition that stops them from using a standard telephone.
Rhode Island Assistive Technology, Equipment & Home Modifications Program866-857-1161OSCIL identifies assistive technology that can help people in their daily lives. It can also help people acquire the right devices through loan and reutilization programs.
Rhode Island Robert J. Allen Medical Equipment Distribution Center401-738-1013Located in Warwick, the Robert J. Allen Medical Equipment Distribution Center offers secondhand medical equipment free of charge, including wheelchairs, commodes, lift chairs and hospital beds
Rhode Island Assistive Technology Access Partnership (ATAP)401-871-1145ATAP is an umbrella organization that helps groups around the state provide assistive technology to residents. Its device reuse program can help people access durable medical equipment.

Home Repair and Modifications

Seniors and those with disabilities can access a variety of local resources to help them pay for home repairs and modifications. Programs in Rhode Island have different eligibility criteria and often assist retirees by providing grants or loans.

Program NamePhone NumberDescription
Rhode Island Weatherization Assistance Program (WAP)WAP reduces heating bills by making homes more energy-efficient. Services include installing insulation, reducing drafts and providing proper ventilation. It can also install smoke and carbon monoxide detectors.
Rhode Island Livable Homes Modification Grant Program401-737-1238RI Livable grants can reimburse part of the cost of modifying an existing residence. Modifications can include adding ramps, widening doorways, adding home monitoring systems or installing a back-up electric generator for life-sustaining equipment such as respirators.

Many organizations offer free or low-cost legal services to Rhode Island seniors. Older adults can access advice on issues such as estate planning, living wills and power of attorney. Some firms also act as long-term care ombudsmen, advocating for the rights of seniors in senior living communities.

Program NamePhone NumberDescription
Disability Rights Rhode Island800-733-5332DRRI is an advocacy group that provides representation to disabled people throughout the state. Although it doesn't provide durable medical equipment directly, it can help people find funding from public sources and may also represent people who have been denied or who are incurring delays in acquiring equipment from Medicare and Medicaid.
Rhode Island Alliance for Better Long Term Care Ombudsman Program 401-785-3340The Rhode Island Alliance for Better Long Term Care Ombudsman Program provides dedicated advocates for seniors residing in shared living situations such as memory care facilities, assisted living communities and nursing homes. Ombudsmen help seniors avoid or fight back against elder abuse and ensure that they're receiving an adequate quality of care. They're also tasked with representing senior interests to local, state and federal government agencies and helping educate the public about issues important to seniors.

Medicaid Resources

Navigating the Medicaid system is often difficult and confusing. Several Rhode Island resources help older adults by providing advice on Medicaid options, waiver programs and eligibility criteria to help seniors receive the right health care benefits.

Program NamePhone NumberDescription
RIte @ Home401-462-5274The RIte@Home program is a shared living option available to seniors who can't live independently. Those on the program are matched with a caregiver whom they live with. Their caregiver can be someone they already know, such as a relative or neighbor. The caregiver receives training, support and a stipend for providing services, including personal care, meals, transportation and homemaker services. While the program pays for the caregiver's stipend, funds for room and board are not provided. Some recipients may need to pay a share of the cost, depending on their income.

Social Security Offices

Social Security offices in Rhode Island help seniors and disabled people access the benefits they're entitled to. Older adults can contact their local office for information about receiving retirement benefits, disability allowance and Supplemental Security Income.

Program NamePhone NumberDescription
Rhode Island Social SecuritySocial Security is a source of income available to retirees and people who can no longer work because of a disability. The money for Social Security comes from a payroll tax levied on employers, employees and self-employed individuals. When you retire, you'll receive monthly payments based on how much you earned when you were working.

Tax Assistance

Seniors can apply for tax assistance from several Rhode Island resources. Elderly residents and those with disabilities could be eligible for tax exemptions on medical expenses, reductions on property tax and other tax assistance programs.

Program NamePhone NumberDescription
Rhode Island Property Tax Relief Program401-574-8829Rhode Island provides property tax relief to seniors through a tax credit on personal income tax. A percentage of income is allowable as credit, based on the household income.

Utility & Energy Bill Assistance

Low-income seniors who are struggling to meet the costs of maintaining their homes can find support from organizations that offer assistance with utility and energy bills. Rhode Island retirees could also qualify for emergency funding programs if they're in danger of losing utility services due to unpaid invoices.

Program NamePhone NumberDescription
Rhode Island Low Income Household Water Assistance Program (LIHWAP)LIHWAP helps low-income households maintain access to drinking water and wastewater. One-time payments can be made directly to utility companies for people who have past-due bills and are at risk of having services terminated.
Rhode Island Low Income Home Energy Assistance Program (LIHEAP)855-697-4347Rhode Island's Low Income Home Energy Assistance Program helps state seniors stay warm during the winter months by providing financial support for heating bills. In addition to making direct payments to energy and utility companies on behalf of program participants, the LIHEAP can assist seniors experiencing heating emergencies due to shutoff notices or malfunctioning equipment. To qualify, seniors must make no more than 60% of the Rhode Island median income level. The application period is from September to May.

Veteran's Services

Rhode Island retirees who have served in the U.S. military can find support from local veteran services. These offices and organizations help vets access the benefits they're eligible for and provide advice and information on a variety of issues.

Program NamePhone NumberDescription
Rhode Island VA Benefits and Health CareSeniors who served in the military can receive a wide range of assistance through the Rhode Island VA Benefits and Health Care program. These benefits include long-term support, routine and specialized care at VA medical centers and income support, including service-connected disability payments and retirement pensions. Veterans can access services at offices and clinics in Providence, Warwick and Middletown.

Memory Care Laws and Regulations in Rhode Island

In Rhode Island, all long-term care facilities are inspected annually, licensed and regulated by the state’s Department of Health, Center for Health Facilities Regulation. Memory care is provided in assisted living facilities, and those facilities must hold an F1-M1 license, which means residents require assistance in an emergency situation, and the facility provides medication storage and medication administration. Facilities that advertise dementia care services and/or house one or more residents with dementia-related functional impairments must also have a special dementia care license.

TopicRule
Scope of CareFacilities that hold a dementia care license may be diagnosed with Alzheimer’s disease or another type of progressive-degenerative dementia. Residents who require skilled nursing care for 45 days or longer; who are bedridden; and/or who pose a threat to themselves or others may not be admitted to, or retained by, an assisted living or memory care facility.
Care Plan RequirementsA registered nurse must complete a comprehensive Assisted Living Resident Assessment prior to admission to determine placement suitability. Once the resident is admitted, the assessment is used to develop an individualized care plan which is reviewed on a regular basis, or whenever the resident displays a significant change in behavior or physical health.
Medication Management RequirementsRegistered nurses, licensed practical nurses and staff who have successfully passed the four-hour medication administration training and exam who work in M1 licensed facilities that offer memory care services may administer most oral and topical medications. Only licensed medical staff may administer controlled substances such as prescription narcotics.
Staff Screening RequirementsFacility administrators are responsible for the screening and hiring of direct care staff, and they may opt to include a criminal background check as part of that screening process.
Staff Training RequirementsOnce hired, staff assigned to work in a dementia care program must complete a minimum of 12 hours of workplace orientation and training related to dementia care. All dementia care units must have at least one registered nurse either on-site or on-call at all times.
Medicaid CoverageRhode Island’s Global Consumer Choice Compact Waiver program covers some care costs for eligible seniors who require memory care services.
Reporting AbuseAny individual who witnesses or suspects the neglect or abuse of a vulnerable adult, including memory care residents aged 60 and older, must report their concerns to the Director of the Department of Elderly Affairs, Protective Services Unit at 1-401-462-0555.

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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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