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Assisted Living in Oklahoma

With its pleasant, sunny weather, very low cost of living and nearly 3 dozen scenic state parks, it’s not surprising that Oklahoma is becoming an increasingly popular retirement destination. According to the 2024 Senior Living Report, Oklahoma ranks 18th in the nation in the health care category for factors such as high patient satisfaction and accessible mental health care, and it ranks 12th for its diverse senior housing options.

Currently, those aged 65 and over make up a little over 16% of the state’s nearly 4 million residents, and the senior population is expected to grow considerably in coming years. Oklahoma has numerous nonprofit organizations and programs to provide support and help seniors make informed decisions regarding their long-term care, as well as high-performing hospitals, such as Integris Baptist Medical Center in Oklahoma City and St. Francis Hospital in Tulsa. On average, older adults in Oklahoma pay $3,855 per month for assisted living services, making it among the most cost-effective states in the nation for this type of care.

This guide provides more information on care costs in Oklahoma, as well as details on available resources, options for paying for care and the regulations that assisted living facilities in the state must follow.

The Cost of Assisted Living in Oklahoma

When trying to decide how to pay for assisted living, 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 assisted living in Oklahoma and its 17 cities.

The Genworth 2021 Cost of Care Survey reports that assisted living facilities in Oklahoma charge $3,855 per month on average for services. This is several hundred dollars lower than the national median of $4,500, making it one of the most affordable states in the country for this level of senior care. Rates in Arkansas tend to be a little lower, with seniors paying $3,760 on average. In Texas, care costs are a little higher than in Oklahoma at $3,998 per month. Seniors in New Mexico pay $4,498 for assisted living services, and in Kansas, the average cost is a little above the national median at $4,580 per month.

The Cost of Assisted Living in Oklahoma's Top Cities

Assisted living rates typically vary between cities, which is also true for the top ones in Oklahoma. But where the state average is $3,789, only Edmond falls below this price at $3,593, with Tulsa rising higher at $3,931. However, Oklahoma City reaches a high of $3,888, while Norman is closer to $5,000 at $4,971. These numbers prove that proper research is necessary when looking at assisted living.

Oklahoma

$3,789

Oklahoma City

$3,888

Edmond

$3,593

Norman

$4,971

Tulsa

$3,931

Inflation's Impact on the Cost of Assisted Living in Oklahoma

Oklahoma's inflation grew to 19.41% from 2022 to 2023, ending at $3,789. As a significant increase, this figure was almost 10% above the national average of 9.55%, pushing rates to $4,459.

Mixed results were the norm when comparing Oklahoma's inflation to nearby states. But where Colorado's costs grew to 5.41% at $4,630, and Texas's rose to 5.67% at $3,312, two other neighboring states did not follow suit. Instead, Missouri's inflation decreased by -6.03% to $4,217, whereas New Mexico's rose to 20.77%, at $4,185. Ultimately, these fluctuations should draw attention to improve assisted living planning.

Location2022 Cost (Historical)2023 Cost (Current)2024 Cost (Estimated)
Oklahoma$3,173$3,789$4,035
U.S. Average$4,070$4,459$4,802
Colorado$4,392$4,630$5,063
Missouri$4,488$4,217$4,318
Texas$3,134$3,312$3,481
New Mexico$3,465$4,185$4,752

The Costs of Other Types of Senior Living

Oklahoma’s assisted living rates are $3,789, $1,419 more than independent living fees averaging $2,370. In contrast, memory care is $4,168, $379 more than assisted living, and $1798 more than independent living. These cost differences reflect variations in care levels, specialized care, amenities and other extras offered by separate providers. As with other price disparities, it is vital to research and match budgets with specific needs when exploring assisted living services.

Assisted Living

$3,789

Memory Care

$4,168

Independent Living

$2,370

Does Medicaid Cover Assisted Living in Oklahoma?

SoonerCare, Oklahoma’s Medicaid program, provides essential health care coverage for income-qualifying individuals. While the program covers nursing home and in-home care, it doesn’t cover assisted living services directly. Instead, it pays for residential care under the ADvantage Waiver Program. This program is available to those who need the type of care provided in nursing homes but want to live at home or in an assisted living facility. Eligibility for the waiver is established by a Department of Human Services caseworker and depends on factors such as your financial and medical needs.

SoonerCare is an entitlement, meaning that individuals who meet the eligibility guidelines are guaranteed coverage. However, the ADvantage Waiver Program has limited funding, and those who qualify for enrollment may be placed on a waiting list until a slot is available.

What Assisted Living Services Are Covered by Medicaid in Oklahoma?

SoonerCare’s ADvantage Waiver offers robust coverage for long-term services and supports for those who qualify for nursing home-level care but are able to receive services in a less restrictive setting. This program covers many of the services assisted living residents receive, which can reduce the financial burden of long-term care. 

Assisted Living Waiver Programs in Oklahoma

ADvantage Waiver Program 

The ADvantage Waiver Program helps people aged 65 and over and those with physical disabilities aged 21 and over live at home or in Medicaid-approved assisted living facilities instead of nursing homes. While it doesn’t pay for room and board, it covers services such as: 

 

  • Housecleaning and laundry  
  • Help with daily living activities including personal care, mobility and meal preparation
  • Disposable medical supplies
  • Hospice care
  • Case management
  • Physical, speech and occupational therapy
  • Specialized medical equipment
  • Prescription drugs
  • Skilled nursing services
  • Emergency and nonemergency medical transportation  
  • Restorative and supportive assistance  

 

To obtain services, you must also meet financial and need-based guidelines. You must be assessed as requiring the level of care provided in a nursing home but want to live in a noninstitutional setting, such as a private home or assisted living facility. 

To apply for this waiver, you can visit your local Department of Human Services office or call the ADvantage Administration office at (800) 435-4711. 

How To Know If You’re Eligible for Medicaid in Oklahoma

To qualify for Oklahoma’s Medicaid program, you must be considered low-income. Individual applicants can have an annual income of up to $32,904, while couples who are both applying may earn up to $65,808. Income from all sources counts, such as Social Security and veterans’ benefits, pensions, rental property income, annuities and withdrawals from retirement accounts. Single applicants can have up to $2,000 in countable assets, and married applicants can have up to $4,000. Assets such as a primary residence, one vehicle and personal belongings don’t count toward this limit. 

If your income and assets exceed these limits, you may still be eligible for Medicaid. You might qualify by depositing excess funds in a qualified income trust or by spending down your assets. If your spouse isn’t applying for coverage, they may be eligible for a minimum monthly maintenance needs allowance, which could reduce your income to within the limit. They may also keep up to $148,620 in jointly owned assets.   

 

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

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

**Income limit is for applicant only.

Along with meeting financial eligibility guidelines, applicants must also meet criteria related to age and residency. They must be at least 65 years old or have a disability, and they must be U.S. citizens or legal residents and permanent residents of Oklahoma.  

How to Apply for Medicaid in Oklahoma

You can apply for Medicaid through the Department of Human Services. This can be done online at OKDHSLive! or in person at your nearest DHS office.

Information You Will Need 

To apply for Medicaid, you must be able to provide supporting documentation to prove your eligibility. This can include:

 

  • Birth certificate
  • Social Security card
  • Proof of Oklahoma residency
  • Income verification sources or tax forms
  • Proof of assets
  • Family trust documents
  • Funeral trust documents
  • Proof of life insurance assignment
  • Policy numbers for existing health coverage, including Medicare or TRICARE  

 

How to Get Help Applying for Medicaid

If you have questions about SoonerCare and long-term care coverage, there are several resources that can provide information and guidance. Through the following departments and helplines, you can get one-on-one assistance with understanding Medicaid’s eligibility requirements and benefits, completing the application process and appealing denied coverage.  

ProgramContactServices provided
SoonerCare Helpline(800) 987-7767The SoonerCare Helpline provides free one-on-one help with learning about Medicaid’s benefits, eligibility guidelines and the application process. Callers can also get assistance with the online application process.
Oklahoma Health Care Authority(405) 522-7300The Oklahoma Health Care Authority provides comprehensive information on Medicaid benefits and waiver programs. It also features a portal where individuals can find Medicaid-registered health care providers in their area as well as contractors who provide SoonerRide transportation services.
DHS ADvantage Administration(800) 435-4711The DHS ADvantage Administration oversees the waiver program that covers assisted living services. Seniors can contact the agency to learn more about the program's coverage and for help with finding certified ADvantage providers.

Does Medicare Cover Assisted Living in Oklahoma?

The short answer is that no, Medicare does not cover the cost of assisted living in Oklahoma. Assisted living facilities are considered to be a “residential setting” and not a “clinical setting,” (think nursing homes). While Medicare doesn’t cover the cost of care received in an assisted living community, it does 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 senior living in a nursing home, and for Medicare-related resources, see our guide to Nursing Homes in Oklahoma.

Other Financial Assistance Options for Assisted Living in Oklahoma

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 Assisted Living affordable.

NameHow To ApplyHo It WorksHow 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 Assisted Living.
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 Assisted Living. 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 Assisted Living. 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 Assisted Living will not typically be eligible to sign up for a LTC insurance policy.

Free and Low-Cost Resources for Seniors in Oklahoma

There are many resources in Oklahoma 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
Oklahoma Area Agencies on AgingThe Oklahoma Area Agencies on Aging (O4A) represents nonprofit and state agencies that provide aging services in each county. It creates structures that help vulnerable seniors remain independent and live in their own homes. These programs provide seniors aged 60 and over with services including personal care, transportation, chores, medication management, adult day services and legal services. Agencies also provide health screenings, senior activities and hot meals at congregate centers.

Cash Assistance Programs

Cash assistance programs in Oklahoma 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
Oklahoma 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.

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 Oklahoma seniors afford the nutritious food they need.

Program NamePhone NumberDescription
Oklahoma Commodity Supplemental Food Program (CSFP)405-521-3581Oklahoma Commodity Supplemental Food Program helps improve the health of the elderly by providing them with nutritious food to supplement their diet. Seniors aged 60 and older classified as low-income can apply for the program, and successful applicants receive items typically lacking from their diets. CSFP food packages contain a variety of highly nutritious goods, including nonfat dry milk, canned fruits and vegetables, cereal, noodles and canned meat, fish or poultry.
Oklahoma Senior Farmers Market Nutrition Program (SFMNP)405-521-4089The Oklahoma S.F.M.N.P. makes it easy for Owasso's low-income seniors to access fresh fruits, herbs and vegetables, helping them eat healthier and save money on grocery bills as they move into an assisted living environment. Seniors who meet income requirements receive E.B.T. cards, letting them purchase locally grown foods without any personal expense. To apply, seniors should contact the I.A.A.A.
Oklahoma Supplemental Nutrition Assistance Program (SNAP)866-411-1877The Oklahoma Supplemental Nutrition Assistance Program helps low-income older adults obtain nutritious food. To be eligible, seniors must be U.S. citizens or legal aliens and meet certain income standards. They are then provided with an electronic benefits transfer card to utilize when purchasing eligible food and beverage purchases in grocery stores and farmers' markets statewide. These funds can be used for the majority of food purchases but can't be used for prepared food items, alcohol, beer or tobacco products.
Oklahoma Meals on Wheels918-921-5388Meals on Wheels is a community-based program that delivers in-home meals to vulnerable seniors throughout Oklahoma. The program has a sliding-fee scale to make it cost-effective for all income levels and strives to meet older adults' nutritional and social needs through meal deliveries made by local branches statewide.

Financial Assistance for Senior Care and Senior Living

Whether living in their own home or in a senior living community, Oklahoma 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
Oklahoma ADvantage Waiver Program405-522-7300The ADvantage Waiver Program helps seniors remain independent and live in their own homes. It offers an alternative to living in a nursing facility with numerous homebased services, such as personal care, skilled nursing in a home health setting, homedelivered meals, specialized medical equipment and prescriptions.
Oklahoma Medically Fragile Program888-287-2443The Medically Fragile Program provides Medicaid-eligible adults with an alternative to living in a nursing facility. Applicants with an institutional level of care can remain in their homes or a residential setting while receiving care through advanced supportive assistance, home-delivered meals, prescriptions, skilled nursing and specialized equipment.

Free Used Medical Equipment

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

Program NamePhone NumberDescription
Oklahoma ABLE Tech405-744-9748The Oklahoma ABLE Tech Device Reuse Program provides free, gently used medical equipment to those in need. If the equipment is no longer needed, it must be returned. Each piece of donated equipment is cleaned, repaired, and refurbished to ensure its safety for the next user.

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 Oklahoma have different eligibility criteria and often assist retirees by providing grants or loans.

Program NamePhone NumberDescription
Oklahoma Section 504 Home Repair Program405-742-1109Seniors can use grant funds to remove health and safety hazards, with $10,000 as the maximum grant amount allowed. They can submit their applications through their local Rural Development office year-round.

Many organizations offer free or low-cost legal services to Oklahoma 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
Legal Aid Services of Oklahoma, Inc.800-421-1641Legal Aid Services of Oklahoma provides pro bono law help for seniors and their caregivers. The organization handles only civil cases and can assist with legal issues ranging from housing and health questions to family law and probate concerns. Seniors in need of legal assistance may call the free OK-SPLASH hotline Monday through Thursday, 9 a.m. to 4 p.m., to speak with a LASO representative. The organization also maintains 18 offices around the state for in-person appointments.
Oklahoma Long-Term Care Ombudsman405-521-2281The Long-Term Care Ombudsman can assist senior citizens and their families who have concerns about care providers. The state-sponsored advocate for seniors' rights will investigate and attempt to resolve the situation with the provider on the senior's behalf. Ombudsmen may recommend changes within a facility and do not reveal information that could identify the complainant.
Oklahoma Sixty-Plus Legal Aid Services Helpline (OKS-PLASH)800-488-6814The Oklahoma Sixty-Plus Legal Aid Services Helpline supports those aged 60 and over who require legal assistance. The helpline can answer basic questions about wills, Social Security underpayments, housing issues, food stamps, long-term care issues and other civil legal problems.

Senior Engagement

Senior engagement resources and programs in Oklahoma 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 NamePhone NumberDescription
Oklahoma Senior CorpsThe Senior Corps Program works with those aged 55 and older who meet income guidelines. Seniors have the opportunity to get involved with three programs: the RSVP, Foster Grandparent Program, and Senior Companion Program. These opportunities allow seniors to share their skills, make new social connections and help their community in their spare time.
Alzheimer's Association Oklahoma Chapter405-319-0780The Oklahoma Chapter of the Alzheimer's Association educates and supports elderly individuals with the condition and the families dealing with its effects. The chapter's staff is highly trained and can assist people on every stage of their journey. As well as helping seniors manage medications and evaluate other forms of care, they also refer them to legal and financial advisors who can assist with estate planning.

Social Security Offices

Social Security offices in Oklahoma 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
Oklahoma 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.

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. Oklahoma retirees could also qualify for emergency funding programs if they're in danger of losing utility services due to unpaid invoices.

Program NamePhone NumberDescription
Oklahoma Low-Income Home Energy Assistance Program (LIHEAP)800-879-6552LIHEAP is a federally funded program available through OKDHS that helps pay home energy costs. During open enrollment, seniors may apply online or visit their local DHS office. Seniors with a medical condition requiring either heating or cooling for life dependency may qualify for life-threatening crisis assistance.

Veteran's Services

Oklahoma 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
Oklahoma VA Benefits and Health CareThrough the Oklahoma VA Benefits and Health Care program, seniors in the state who served in the military can access health care services and financial benefits. For many, this includes free medical care at approved VA clinics. Between community-based VA health clinics spread throughout the state and the Veterans Benefits Administration office in Muskogee, seniors can access these benefits at a location near them.
Oklahoma VA Aid and Attendance Benefit and Housebound Allowance800-827-1000The VA Aid and Attendance benefit is an additional monthly payment to the VA pension. It's to help with costs for U.S. military veterans and their spouses living in nursing homes. Eligible vets who are housebound can apply for the Housebound Allowance to contribute towards their home care costs. There is no need to repay either benefit. To check eligibility, seniors can use the free online tool provided by VeteranAid.org.

Assisted Living Laws and Regulations in Oklahoma

Assisted living facilities in Oklahoma comply with regulations set by the Department of Health. This department ensures high quality standards by enforcing rules related to care requirements, staffing, building requirements and abuse reporting. This table highlights some of the regulations that impact residents’ day-to-day lives.

TopicRule
Assisted Living Service Plan Requirements Prior to admitting a resident, assisted living facilities must conduct a thorough assessment to ensure they provide the level of care the individual needs. Based on this assessment, which is conducted by a trained health professional, the facility creates a customized care plan.
Assisted Living Admission Requirements Assisted living facilities can only admit residents whose care needs are within the limits of what they provide. Those ineligible for admission include seniors who need physical or chemical restraints or pose a threat to their own or others’ safety. If a resident develops a disability or health condition and their care needs exceed what the facility provides, the facility can terminate their residency.
Assisted Living Scope of Care Assisted living facilities in Oklahoma provide help with daily living activities, nursing supervision, medication administration, social and recreational activities and housekeeping services. Facilities serve three meals a day according to guidelines set by a licensed nutritionist or dietitian.
Assisted Living Medicaid Policy The Oklahoma Medicaid ADvantage Waiver Program covers assisted living services for qualified individuals. While this waiver doesn’t cover housing costs, it pays for many care services including skilled nursing, therapy and personal care. 
Assisted Living Facility Requirements Assisted living facilities must maintain a safe, clean and organized environment. There must be at least one toilet for every six residents and one bathtub or shower per 10 residents. Residents’ rooms must be at least 80 square feet in size, or at least 60 square feet per resident in shared rooms, and they must have comfortable mattresses, clean linens and personal storage space.
Medication Management Regulations Assisted living facilities can help with self-administered medications. This includes providing safe storage, distributing medications, observing residents taking their medication and maintaining records. Unlicensed staff may only help with medication administration if they’ve obtained the appropriate training from a university or trade school. A registered nurse or consulting pharmacist must review each resident's medication regimen monthly. 
Staffing Requirements Assisted living facilities are required to have administrators who oversee operations, nursing staff to carry out skilled services, dietary consultants, pharmacy consultants and nursing consultants if there are no on-staff nurses. There are no minimum staffing ratios, but facilities must have sufficient staff members on-site to meet residents’ needs. 
Staff Training Requirements Administrators must complete 50 hours of training that includes 15 hours on medication administration, supervision, record-keeping, recreation planning and requirements for reporting abuse. Direct care staff must complete 8 hours of in-service training within 90 days of their hire date and on an annual basis. Those who administer medications must complete an additional 8 hours of training that covers topics such as patient reporting and record-keeping. 
Background Checks for Assisted Living Assisted living facilities must screen prospective unlicensed staff, including volunteers and full- and part-time caregivers, by following the Long-Term Care National Background Check program. This includes a criminal background check and a search on the Oklahoma Department of Human Services Registry.
Requirements for Reporting Abuse In Oklahoma, all assisted living staff members are mandated reporters, meaning they’re legally required to report suspected abuse to the Department of Human Services. Staff, as well as residents, visitors and family members, can file a report online or by calling (800) 522-3511. Alternatively, they may contact local law enforcement.

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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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