More than 1.25 million adults aged 65 and older live in Washington, and many of these seniors will need dementia care in the coming years. Statistics in Washington show that 4,928 people died with Alzheimer’s in 2020, a rise of 21.32% from 2016 numbers. The Alzheimer’s Association predicts that by 2025, roughly 140,000 elderly residents in the state will live with dementia.
During each stage of Alzheimer’s disease and other forms of dementia, families can have some peace of mind by relying on memory care services. Specially trained staff in these communities understand the needs of residents and know how to maintain a safe and comfortable environment. Daily life in memory care includes fun and engaging activities, such as social clubs and music therapy, that may slow the rate of cognitive decline. This guide shares the average cost of memory care in Washington, compares costs between cities and nearby states and supplies links to resources families can use to make life with dementia easier.
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 Washington and its 31 cities.
Seniors may have to be more careful with their budgets depending on the city they choose to live in. At $10,830, costs in Seattle are well above the state average. Not far behind, Tacoma residents can expect a monthly fee of $8,525, and further east, around $8,507 for those in Spokane. These rates contrast sharply with Vancouver’s, where seniors only pay about $6,663.
Washington
$6,893
Seattle
$10,830
Tacoma
$8,525
Spokane
$8,507
Vancouver
$6,663
As the cost of living, driven by inflation, continues to get more expensive, so do senior care rates. Memory care was no exception, increasing a substantial 9.8% from 2022 to 2023, albeit at a slower pace compared to the U.S. average, which showed a 10.4% hike over the same period.Nearby states were also affected. To the south, memory care providers in California raised their fees by 3.5%. Cost increases in the neighboring states of Idaho and Oregon were much more impactful, reaching 21.5% and 30.8%, respectively. Montana was the only outlier, with rates dropping by 3.5%.
| Location | 2022 Cost (Historical) | 2023 Cost (Current) | 2024 Cost (Estimated) |
|---|---|---|---|
| Washington | $6,277 | $6,893 | $7,981 |
| U.S. Average | $4,863 | $5,369 | $5,792 |
| California | $5,668 | $5,866 | $6,453 |
| Idaho | $4,255 | $5,170 | $5,151 |
| Oregon | $5,734 | $7,501 | $7,944 |
| Montana | $6,033 | $5,822 | $6,200 |
The relatively high rates for memory care, starting at $6,893 in Washington, are proportional to the difficulty of services included, from around-the-clock supervision to cognitive stimulation programs. Seniors who opt for assisted living can expect daily housekeeping, medication management and help with basic activities, all for $4,743 per month, whereas independent living facilities are the ideal choice for those who only need occasional assistance at a more affordable price of $3,552.
Assisted Living
$4,743
Memory Care
$6,893
Independent Living
$3,552
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 Washington.
Seniors in Washington who need memory care services have a large number of statewide programs available to lend financial support and other assistance to meet their care needs. Many state programs have income and asset requirements that parallel the eligibility criteria for Apple Health, the Washington Medicaid program.
In addition to the various waivers seniors who need memory care may be able to get through Apple Health, the program directly supports beneficiaries’ medical needs for as long as they’re enrolled in the program. These needs may be directly related to Alzheimer’s disease or other cognitive issues, such as speech and occupational therapy, or they may be unrelated health issues, such as wound care and diabetes management. More information about covered Medicaid services in Washington is available through the Apple Health website.
Community Options Program Entry System Waiver
COPES is a waiver program for Medicaid participants who need home and community-based services to look after their needs. The COPES program provides adult day health care, home-delivered meals and nursing services for seniors with medical issues, such as wound care and dementia management. Transportation assistance and durable medical equipment can also be obtained through a COPES waiver, which is available to seniors living at home or in a residential care facility.
To qualify for a COPES waiver, seniors in Washington must meet the income and other eligibility criteria for participation in Apple Health. They must also have a medical need that would otherwise require placement in long-term care. Seniors and their families can learn more about the COPES waiver and apply online at the program’s web portal or by visiting an intake worker at a local Home & Community Services office.
Residential Support Waiver
The Residential Support Waiver provides support to seniors who need enhanced residential care in community-based settings licensed by the state. Services offered include personal care from a trained caregiver and supervision and support for behavioral issues such as wandering. The Residential Support Waiver is open to applicants who meet Apple Health eligibility guidelines and need assistance due to Alzheimer’s disease, other cognitive impairments and traumatic brain injuries, which can also include stroke. Applications may be submitted online or at a local HCS office.
Community First Choice
The CFC program provides personal care services, nursing and nurse-delegated services (such as blood draws and medication assistance), installation of assistive technology and community transition services. Eligible participants must meet Apple Health intake guidelines and have a level of functional impairment that justifies placement in a skilled nursing facility.
Seniors currently enrolled in Apple Health can apply for a CFC waiver through a social service intake at their local HCS office. Adults who aren’t enrolled in Medicaid must undergo an eligibility screening through the HCS office or online.
Specialized Dementia Care Program
The Specialized Dementia Care Program offers a set of services tailored to the needs of seniors with dementia who reside in a licensed long-term care facility. Financial support delivered through the program can go toward hiring personal care attendants, paying for supervision and intermittent nursing support. Periodic caregiver training is also provided for dementia-specific issues.
Seniors may be eligible for the Specialized Dementia Care Program if they have a diagnosis of dementia from a physician and otherwise meet Apple Health enrollment criteria. Benefits are delivered through licensed assisted living facilities, which are where seniors and families can request an application. For seniors who aren’t enrolled in Medicaid, applications can be made either online or through a local HCS office.
To sign up for Apple Health, seniors in Washington must meet the enrollment criteria set by state law. Nonfinancial requirements include:
In addition to the general eligibility guidelines, Apple Health also has financial limits. At the time of application, an intake worker evaluates the applicant’s income and assets over the previous 60 months to establish the financial need for Medicaid coverage. Income and asset limits must not exceed program maximums.
2022 Medicaid Income Limits for Seniors in Washington
| Household Size | Number of Applicants | Income Limits Per Year* | Asset Limits: Applicant(s) | Asset Limits: Non-Applicants |
|---|---|---|---|---|
| One Person | 1 | $32,904 | $2,000 | |
| Two Person | 1 | $32,904** | $2,000 | $148,620 |
| Two Person | 2 | $65,808*** | $3,000 |
*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.
Washington seniors who meet the over-65 requirement for enrollment but have an income higher than the program maximum may still be able to apply for Apple Health. In this case, the beneficiary may qualify for more limited coverage with an annual spend-down amount. Once the annual out-of-pocket limit is reached, Apple Health benefits are able to pick up the remaining share of cost.
Seniors can apply for Medicaid in several ways. Applications may be submitted directly through the Apple Health website, by phone or in person at a local HCS office. Seniors and their families can also call the statewide Medicaid helpline at (800) 200-1004.
Information You Will Need
New applicants for Apple Health must establish that they meet the financial and other eligibility standards to participate in the program. To do this, it may be necessary to engage in a telephone interview with a program worker and submit documents relating to financial transactions over the preceding 60 months. Documents you may be asked for include:
In Florida, seniors who need assistance applying for Medicaid can contact the ACCESS Customer Call Center. Application assistance is also available through local senior service agencies, which can be located by calling Florida’s Department of Elder Affairs Elder Helpline. Some senior centers may offer free Medicaid counseling and workshops for seniors who need help completing their Medicaid application.
| Program | Contact | Services provided |
|---|---|---|
| Aging and Disability Resource Centers (ADRCs) | (360) 725-3548 | Area Agencies on Aging provide location-specific support for seniors who need assistance applying for Apple Health and other benefit programs. |
| Aging and Long-Term Support Administration | (360) 725-2300 | Washington's Aging and Long-Term Support Administration provides advice, case management and referrals for seniors who need help signing up for coverage. Other services provided by the administration include protective services reporting and long-term care placement services. |
| Washington Health Plan Finder | Online | The online-only Washington Health Plan Finder helps seniors find out whether they're eligible for Apple Health assistance, apply for benefits and find long-term care waivers to support them in memory care. |
The short answer is that no, Medicare does not cover the cost of memory care in Washington. 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 Washington.
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.
| Name | How To Apply | How It Works |
|---|---|---|
| Aid and Attendance | Learn 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 Mortgages | Learn more about your options and how to apply at ftc.gov | If 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) Insurance | Learn 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. |
There are many resources in Washington 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.
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 Name | Phone Number | Description |
|---|---|---|
| Washington Area Agencies on Aging | Area Agencies on Aging in Washington work with state, federal and local agencies to support the needs of older adults and their caregivers. Seniors can receive short-term and long-term in-home care for medical and nonmedical needs, such as hygiene, memory support, meal delivery, light housekeeping and mobility assistance. Other services include nonemergency medical and nonmedical transportation, adult day service programs, medication monitoring and community involvement options. These programs are designed to help older adults maintain their independence. |
Cash assistance programs in Washington 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 Name | Phone Number | Description |
|---|---|---|
| Washington Lifeline Program | 800-234-9473 | The LifeLine Program offers a discount on landline or mobile telephone service, ensuring that participants can stay in contact with loved ones. |
Whether living in their own home or in a senior living community, Washington 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 Name | Phone Number | Description |
|---|---|---|
| Washington Aging and Long-Term Support Administration (ALTSA) | 800-562-6028 | ALTSA is a statewide education and training organization devoted to providing support for caregivers and seniors with Alzheimer's and other forms of dementia. The program hosts an annual the Taking Care, Giving Care conference to provide technical training for caregivers, and enrolled care providers can receive news and updates through the member website and printed information packets. |
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 Washington seniors afford the nutritious food they need
| Program Name | Phone Number | Description |
|---|---|---|
| Washington Commodity Supplemental Food Program (CSFP) | 360-902-1800 | The Washington Commodity Supplemental Food Program provides healthy food to qualifying state residents aged 60 and older. CSFP ensures Washingtonians receive supplemental nutrition via shelf-stable goods and fresh produce, including vegetables, cereal, potatoes and fruits. The program, which encourages a healthier lifestyle, is currently available in 27 out of the 39 counties in the state. Residents can use the CSFP locator to find the providers closest to them. |
| Washington Meals on Wheels | Washington Meals on Wheels has independently run programs statewide that provide seniors with free or low-cost meals and extra supports. Pricing is on a sliding scale and ranges from no cost to 100% cost based on individual circumstances. The majority of services are open to seniors aged 60877-501-2233. Meals are served in a congregate setting or delivered to seniors based on their mobility needs. Additional services vary, but they may include emergency meal delivery, pet food delivery and transportation. | |
| Washington Second Harvest Inland Northwest | The Washington Second Harvest Inland Northwest food bank supports nutritionally insecure seniors in eastern Washington and northern Idaho. This organization sets up mobile markets that allow low-income seniors and families to shop for nutritious groceries at no cost. The organization also has 250 food pantries and meal sites in the region, offering ongoing access to food for those in need. It also offers nutrition education and hands-on cooking classes to support seniors with healthy, well-balanced meals. | |
| Washington State Food Assistance Program | 877-501-2233 | The Washington State Food Assistance Program provides grocery funds to immigrant seniors who do not qualify for the Supplemental Nutrition Assistance Program due to their immigrant status. To qualify, immigrant seniors must legally be in the U.S. and fulfill SNAP income requirements. Benefits are tied to income levels and the number of residents in a given household. Households that include a senior immigrant and a U.S. citizen may be eligible for a combination of the two programs' benefits. |
| Washington Senior Farmers Market Nutrition Program (SFMNP) | 800-422-3263 | The Washington Senior Farmers Market Nutrition Program supports both state farmers and lower-income seniors by providing vouchers for the purchase of fresh fruits, vegetables, herbs and honey from participating farmers' markets and roadside produce stands. Benefits are provided through a debit card and must be used between June 1 and October 31. In addition to providing funds for direct purchases, the SFMNP helps ensure that congregate meal sites and senior food delivery services can offer fresh produce. |
| Washington Food Lifeline | 877-404-7543 | Washington Food Lifeline manages senior food assistance programs from its Seattle-based Hunger Solutions Center. It stocks local food banks and supplies food for seniors meal programs, aiming to alleviate hunger and correct nutritional and dietary deficits experienced by many older adults. The organization has established connections with a wide variety of partner agencies, including senior housing providers and rural mobile food pantries. Seniors can locate their nearest food bank online or by calling the toll-free hotline. |
Seniors and those with disabilities can access a variety of local resources to help them pay for home repairs and modifications. Programs in Washington have different eligibility criteria and often assist retirees by providing grants or loans.
| Program Name | Phone Number | Description |
|---|---|---|
| Washington Habitat for Humanity Aging in Place Program | Seniors choosing to reside in their own homes can apply for support and assistance from the Washington Habitat for Humanity Aging in Place program. Habitat works with human service organizations to assess residents' individual needs before making essential repairs and modifications to ensure that homes are safe and more accessible. Modifications include installing ramps, raised toilets, lever door handles and railings. It also connects older adults to community resources that can help them maintain their independence. | |
| Washington Home Repair and Modification Assistance | 877-894-4663 | The Washington Home Repair and Modification Assistance program, administered by the Washington Homeownership Resource Center, helps seniors stay safe in their homes by adding safety features, such as grab bars and wheelchair ramps. The program can also help with preventive maintenance and fixing some simple home issues, such as blocked drains and malfunctioning appliances. |
| Washington Weatherization Program | Washington's Weatherization Assistance Program relies on state and federal funding, as well as matching payments from utility companies. It helps with energyefficient upgrades that can lower your utility bills and improve your health and safety, such as installing insulation and sealing air leaks. |
Many organizations offer free or low-cost legal services to Washington 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 Name | Phone Number | Description |
|---|---|---|
| Washington Long-Term Care Ombudsman Program | 888-562-6028 | The Washington State Long-Term Care Ombudsman Program advocates for the rights of seniors living in nursing homes and assisted living facilities. It helps residents and their families when they have concerns about the standard of care at a facility and can address issues such as neglect or elder abuse. |
| Washington State Bar Association Moderate Means Program | 855-741-6930 | Washington State Bar Association runs a Moderate Means program that provides reduced-fee legal support to those who cannot afford legal assistance. The program covers civil legal issues including family law, housing and benefits. The association can also recommend sources for pro bono support. |
Senior centers in Washington bring together residents through recreational activities and events. Many also offer advice and support on senior issues, run wellness and nutrition programs, and connect older adults with other resources in the local area.
| Program Name | Phone Number | Description |
|---|---|---|
| Washington State Association of Senior Centers (WSASC) | 253-288-7442 | WSASC connects seniors with the resources they need to stay healthy and live as independently as possible at any level of care. Services are delivered through the state's senior centers and include caregiver training and referrals, information services, social events and case manager services to help locate programs and other support networks seniors may need. All seniors aged 60 and over are welcome to participate in WSASC activities, though full membership in Washington costs a nominal annual fee |
Senior engagement resources and programs in Washington help older adults remain active and ensure they contribute to the community. Resources include wellness programs, volunteer opportunities, support groups and organizations that help residents connect with the community to live fulfilling lives.
| Program Name | Phone Number | Description |
|---|---|---|
| Washington Dementia Action Collaborative Information and Resources (DAC) | 360-725-2300 | DAC offers a large number of free resources for seniors with Alzheimer's and other forms of dementia, as well as for their families. Care planning, caregiver training and referrals are available statewide, as are awareness training resources and workshops for memory care providers. The organization also provides a free online tool for seniors and families to better understand memory impairment with an online Dementia Road Map. |
Navigating the Medicaid system is often difficult and confusing. Several Washington 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 Name | Phone Number | Description |
|---|---|---|
| Washington Community Options Program Entry System Waiver | The state's primary waiver for home- and community-based services is the Community Options Program Entry System (COPES). This waiver has provisions for self-directed residential care and agency-based services that are coordinated by a professional care manager |
Social Security offices in Washington 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 Name | Phone Number | Description |
|---|---|---|
| Washington Social Security | Social 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. |
Seniors can apply for tax assistance from several Washington 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 Name | Phone Number | Description |
|---|---|---|
| Washington Property Tax Exemptions | 360-534-1400 | The Washington State Department of Revenue offers a property tax exemption, as well as a deferment program, to seniors and disabled adults. This program can reduce your school taxes and freeze your property's assessed value starting the first year that you qualify |
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. Washington retirees could also qualify for emergency funding programs if they're in danger of losing utility services due to unpaid invoices.
| Program Name | Phone Number | Description |
|---|---|---|
| Washington Energy Assistance Program (EAP) | 360-725-2857 | The Low-Income Home Energy Assistance Program (LIHEAP) is available to eligible Washingtonians in every county. Depending on the need, assistance ranges from energy-efficient home improvements and utility payment grants to replacing or repairing air conditioners, air purifiers and heating systems. Eligibility requirements include income restrictions, utility costs, household size and whether an applicant has recently received a grant. Applicants must provide documentation. Each county has a respective LIHEAP provider through which interested residents must apply. |
| Washington Low Income Household Water Assistance Program (LIHWAP) | Households that are eligible for LIHEAP also qualify for help with their water bills. Payments are made directly to your utility provider to prevent disconnection or restore your water and sewer service. |
Washington 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 Name | Phone Number | Description |
|---|---|---|
| Washington VA Benefits and Health Care | The Washington VA Benefits and Health Care program serves the state's veterans as well as their dependents. Seniors who served in the armed forces can receive medical care, mental health services and specialized treatments at VA medical centers and statewide clinics. Seniors can also receive assistance accessing the VA benefits they're entitled to, such as retirement pensions, Aid and Attendance payments, disability compensation and property tax exemptions. Additional VA programs offer help with housing, prescription drugs and obtaining medical devices. |
There are licensed assisted living facilities and adult family homes in Washington with specialty care designations for dementia as well as facilities that are solely dedicated to memory care. The Department of Social and Health Services governs these facilities through the Aging and Long-Term Support Administration’s Residential Care Services division. In addition, those that accept Medicaid are contracted by the DSHS through the Enhanced Adult Residential Care – Specialized Dementia Care program.
| Topic | Rule |
|---|---|
| Scope of Care | Using the Department's approved disclosure forms, each facility must disclose to interested consumers upon request the scope of care and services it offers. Disclosure forms should not be construed as implied or express service contracts. |
| Care Plans | An assisted living facility or adult family home must complete a resident's negotiated care plan, with reference to a preliminary service plan and completed assessment. The negotiated service agreement must be completed within 30 days of the resident's admission. Care plan reviews or revisions must be done at least during annual assessments or as necessary. |
| Medication Management | A negotiated service agreement must indicate if the facility would provide medication assistance or perform medication administration for the resident. There must be a detailed written agreement for arrangements where a resident's family member performs the assistance or administration of medications and treatments. |
| Staffing | A facility must have at least one caregiver present and available to assist residents with their needs. Dementia specialty training is required for all staff members in facilities serving residents with cognitive conditions. |
| Medicaid Coverage | Apple Health covers the costs of home and community-based services in long-term care facilities through Medicaid waivers, state plans and alternative programs. Eligible residents are those who require a nursing home level of care and meet certain financial criteria. |
| Reporting Abuse | Owners and employees of licensed residential care facilities are mandated to report the abuse, abandonment, neglect and financial exploitation of vulnerable adults. An online incident report must be submitted to the DSHS Complaint Resolution Unit, which may also be contacted at (800) 562-6078. |
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420 Yauger Way South West, Olympia, WA, 98502
3.3
(20 reviews)
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