Assisted Living Communities in Caro, Michigan

Assisted living residences charge $4,423 per month in Caro — $173 more than the state average but $77 less than the cost of care nationwide. Nearby cities are slightly more affordable. Assisted living communities charge $198 less in Saginaw and $208 less in Detroit than in Caro. However, seniors have to relocate farther away for more significant savings, with Battle Creek offering a reduction of $1,023 to monthly expenses. Ann Arbor ranks as one of the most expensive cities in Michigan, with assisted living costing $1,670 more than it does in Caro.

Assisted living costs $4,423 per month in Caro.

While many families use their own funds or personal assets to pay for assisted living, there are plenty of additional options to cover these costs. Some additional ways to finance assisted living costs include:

• Veterans Benefits
• Life Insurance Policy
• Long-Term Care Insurance
• Reverse Mortgage

For more information about different ways to finance assisted living, visit our Assisted Living in Michigan page.

Care costs vary in Caro, and assisted living is one of the most affordable options at $4,423 monthly. For seniors considering alternatives, in-home care and home health care both cost $534 more than assisted living but don't require moving. In-home care provides nonmedical services, whereas home health care focuses on skilled nursing. Adult day care costs $2,776 less than assisted living and offers similar support during business hours. Nursing homes provide higher levels of support than assisted living, including access to medical treatments and licensed nursing. A semi-private room in one of these residences costs $4,702 more than assisted living.

The Department of Health and Human Services regulates assisted living communities in Caro and other cities throughout Michigan, setting standards for the quality of care and living conditions provided to residents. Seniors can contact the department to learn more about their care options or seek assistance through state-based long-term care programs.

• Caro offers a relatively low cost of living for seniors, with average expenses for retirees in good health ranking 17% below the U.S. norm. Living costs rise by one percentage point for seniors who need more extensive medical care, but this still results in them paying 16% less than the national norm.

• Caro scores 55 on the AARP's Livability Index — higher than the average of 48 the AARP awards to most U.S. cities. Caro ranks exceptionally high in engagement and environmental metrics, highlighting the high degree of social involvement and the clean air and water available to seniors living in the city.

• According to data from the University of Wisconsin Population Health Institute, Tuscola County ranks 62nd out of 83 counties in Michigan for health care quality. However, seniors can still access many excellent medical providers in Caro. For example, Hills and Dales General Hospital — recognized for outstanding patient experiences — is just 13 miles from the city. The hospital covers most necessities, including emergency and critical care.

• Michigan ranks as one of the more tax-friendly states for seniors, as it doesn't tax Social Security income. Seniors born before 1946 can also deduct pension income up to $54,404 from their taxes, while those born between 1946 and 1952 may deduct up to $20,000. Government pensions attract a higher deduction of up to $35,000 for single filers.

• Property crime measures higher than the state average in Caro, as residents have a 1 in 26 chance of experiencing it in the city versus a 1 in 65 chance statewide. However, moving into an assisted living community offers improved security measures to deter this type of crime. Residents of Caro also only experience a 1 in 238 chance of falling victim to violent crime compared to a 1 in 217 chance statewide, so the city remains relatively safe overall.