Assisted Living Communities in Boca Raton, FL

Boca Raton’s seniors typically pay more than normal for assisted living than others in South Florida. In Port St. Lucie, similar services are possible for around $3,763 per month. However, fees are sometimes higher on the Gulf Coast, such as in Naples, where they average $5,300. Cape Coral is slightly more affordable than Boca Raton, at $4,334.

Seniors in Boca Raton often rely on a combination of public programs and private resources to cover the costs of assisted living. Medicaid and Medicare may help reduce certain expenses, while personal savings and income typically cover the remainder. For many, this makes long-term assisted living financially sustainable.

• Medicaid: The Statewide Medicaid Managed Care Long-Term Care Program pays for many assisted living services for those who meet financial and functional criteria. Its scope of coverage includes meals, personal care, transportation services, and housekeeping.
• Medicare: Medicare doesn’t pay for assisted living, which primarily includes nonmedical services. However, residents may use Part B benefits to help offset out-of-pocket expenses for skilled medical care delivered by third-party providers.
• VA Benefits: The VA operates several programs to help qualified veterans manage long-term care costs, including Aid and Attendance, Housebound benefits, and the Geriatrics and Extended Care program. These programs reduce out-of-pocket costs for personal care services, meals, recreational activities, and transportation.
• Private payments: Seniors use their retirement accounts, monthly income, long-term care insurance and home equity to cover remaining assisted living costs. Communities accept these private payments toward all expenses, including room and board, meals, personal care, and recreational activities.

Assisted living facilities and home health aide agencies in Boca Raton average fees of $4,385. Homemaker agencies are more affordable, at $4,195, but at-home services still require the senior to pay for their home, unlike assisted living. Adult day centers are the most affordable type of senior care in the city, at $1,517, and nursing homes are the most expensive — typically $9,019 for a semiprivate room and $10,904 for a private one.

• Boca Raton’s cost of living tracks 16% above the national average. This mainly stems from high housing costs, which seniors can avoid by transitioning to assisted living.
• Florida residents are exempt from paying income taxes to the state, which reduces the tax burden for those on fixed incomes and helps many afford assisted living expenses in Boca Raton.
• Boca Raton has warm weather throughout the year, with daytime temperatures ranging from 75 degrees Fahrenheit in the winter to 89 degrees Fahrenheit or higher in the summer. To keep residents comfortable in warm, muggy conditions, many assisted living facilities have unit-controlled thermostats, and our proprietary Caring.com database identifies over 40 local options with swimming pools.
• Boca Raton reports around 20 property-related crimes per 1,000 residents annually. However, it has fewer than two violent crimes per 1,000 people, which comes in well below state and national norms. To further support residents’ peace of mind, assisted living residences often have features such as alarm systems and security gates.
• The AARP Livability Index gives Boca Raton a rating of 53, several points higher than the average U.S. city score of 48. The city’s numerous cultural and entertainment institutions and shopping destinations make it a favorable retirement option for prospective assisted living residents.