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The 10 Best Assisted Living Facilities in Chesterfield, MI for 2023

Located in Macomb County on Lake St. Clair’s Anchor Bay, Chesterfield is a medium-sized community with scenic views and a range of outdoor recreational amenities. Summers are mild, providing plenty of opportunities to enjoy everything the region has to offer, and the extensive public transportation system makes it easy to attend appointments, run errands and meet up with friends. The community has about 47,000 residents, nearly 14% of whom are aged 65 and over.   

Assisted living is ideal for those who want to remain in the community but need some personal care services. These residential facilities are staffed with trained caregivers who provide help with daily living activities, and residents enjoy a maintenance-free lifestyle with meals provided. On average, assisted living residents in Chesterfield pay $4,750 per month for this type of residential care, which exceeds state and national medians.  

This guide provides more in-depth information on senior care costs in Chesterfield, including alternatives to assisted living. It also summarizes some programs and agencies that serve seniors.  

Directory of Assisted Living Facilities in Chesterfield, Michigan

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What to Consider About Assisted Living in Chesterfield

In Chesterfield and throughout Michigan, assisted living facilities are officially called homes for the aged. These facilities are licensed by the Michigan Department of Licensing and Regulatory Affairs, which ensures compliance with state regulations and fields and resolves complaints related to facility conditions and quality of care.

Benefits and Drawbacks of Assisted Living in Chesterfield

  • Chesterfield offers affordable health care services, but physician options may be limited. On a health cost index, health expenses, such as doctor’s office visits and inpatient hospital care, in Chesterfield come in about 17% below the national median. However, there are only about 139 doctors per 100,000 people compared to the national rate of 210. The city is home to Henry Ford Macomb Health Center, which offers primary care services, advanced wound care and imaging services.    
  • Seniors in Chesterfield can navigate the city via SMART, a public transportation system that provides fixed routes and ADA-compliant curb-to-curb services throughout the Detroit Metro. Passes are sold online, and reduced fares are available to seniors and those with disabilities.    
  • Chesterfield’s weather is cool with summer highs in the low-80s and winter lows in the teens. The city gets about 33 inches of rain and 32 inches of annual snowfall. Six months out of the year have significant snowfall, and January is the snowiest month, receiving an average of 10 inches.  
  • Chesterfield is a generally safe community, which may appeal to older adults researching retirement options. On a 100-point crime index, the city’s violent crime rate is 12 compared to the national score of 22.7, and the property crime is rated 27.1 versus the national rate of 35.4.  
  • Chesterfield is among the more expensive places in Michigan to live. Its overall cost of living is about 5% high than the national average and 15% higher than the state average. Transportation and housing cost more here than in the typical Michigan city, but seniors may save money on these living expenses by moving to assisted living. 
  • Chesterfield seniors don’t pay state taxes on Social Security benefits, so those who rely on this form of retirement income may pay very little in taxes. Other types of retirement income are taxed, but seniors can claim a large deduction to minimize the expense.  

Paying for Assisted Living in Chesterfield

Chesterfield is among the more expensive cities in Michigan for assisted living. On average, seniors in this city pay $4,750 per month for care. This is $450 higher than the national median of $4,300 and $550 higher than the state rate of $4,200.  

The Cost of Assisted Living in Nearby Cities

While assisted living rates in Chesterfield exceed state and national averages at $4,750, this city is an affordable alternative to Monroe, where seniors pay $5,100 per month for services, and the Lansing area, where monthly care costs average $5,225. Ann Arbor is the most expensive surveyed option in Michigan for this type of care, with fees averaging $5,590. Those seeking more affordable care may consider Kalamazoo, where facilities charge approximately $3,950 per month.  

Chesterfield

$4,750

Michigan

$4,200

The United States

$4,300

Ann Arbor

$5,590

Monroe

$5,100

Kalamazoo

$3,950

Lansing Area

$5,225

The Cost of Other Types of Senior Care

Seniors in Chesterfield have a range of care options to choose from, depending on their budget and lifestyle preferences. Home-based care is relatively costly, with seniors paying $4,767 for home care and $4,957 for specialized home health care. Adults who live in their own homes may save money by obtaining care in an adult day health care center, where seniors pay $1,733 per month for personal care, meals and recreational activities in a daytime community setting. Assisted living is affordable compared to home-based care at $4,750 per month. Nursing homes charge $8,821 for shared rooms and $10,646 for private accommodations. 

Homemaker Services

$4,767

Home Health Aide

$4,957

Adult Day Health Care

$1,733

Assisted Living Facility

$4,750

Nursing Home Facility (semiprivate room)

$8,821

Nursing Home Facility (private room)

$10,646

Note: Care cost data for Chesterfield was not available, so data for the closest city, Detroit Area, was used instead. 

Financial Assistance for Assisted Living in Chesterfield

Michigan provides personal care services through the Medicaid State Plan, which covers homes for the aged. It also provides an optional state supplement for supplemental security income recipients who reside in a home for the aged that limits room and board charges.

Learn more about these programs, plus who’s eligible, on our Assisted Living in Michigan page.

Paying for Assisted Living Facilities in Michigan

More Ways to Pay for Assisted Living

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.

Free Assisted Living Resources in Chesterfield

Seniors in Chesterfield have access to a range of programs to supplement the services they obtain in assisted living and help them make educated decisions regarding their care. The following table features local agencies that provide free and low-cost services to older adults.    

ResourceContactService
Senior Center(586) 949-0400, Ext. 4Chesterfield Township’s Parks and Rec Department operates the local senior center, which hosts a range of social and recreational activities for older adults. At this center, seniors participate in age-friendly fitness classes, Movie Reviewers Club, book clubs, card games and billiards. All programs limit the number of participants, so registration is required for all programs. The center is open on weekdays from 8 a.m. to 4:30 p.m.
Veterans Services(586) 469-5100Macomb County’s Veterans Services Office helps qualifying veterans and their family members obtain service-related benefits, such as health care, veteran and survivors’ pension benefits, emergency financial assistance, disability compensation and the Aid and Attendance benefit, which can help cover medical and care-related expenses. The office can also screen veterans for veterans’ home placement.
Area Agency on Aging 1-B(800) 852-7795The local Area Agency on Aging is a nonprofit agency that administers a range of free and low-cost programs to seniors aged 60 and over, helping them make informed decisions regarding their care and obtain affordable services in the community. This agency has health insurance options counselors who review individuals’ Medicare benefits and help them determine whether they qualify for Medicaid, which can help pay for assisted living services. The agency also operates the Resource Center, which helps callers connect with services, such as medical equipment rentals, nutrition counseling and transportation.
Elder Law of Michigan, Inc. (866) 400-9164Elder Law of Michigan is a statewide charitable organization with legal professionals who specialize in age-related issues. Through this agency, older adults get help with accessing public benefits that may cover assisted living services, including Social Security, Supplemental Security Income, the MI Choice Waiver and Medicaid.
Michigan Long-Term Care Ombudsman Program(866) 485-9393The state’s Long-Term Care Ombudsman Program advocates on behalf of older adults in assisted living. It has local volunteers who visit facilities and ensure compliance with state guidelines. The ombudsman can also investigate reports of abuse or neglect.

Assisted Living Laws and Regulations in Chesterfield

Chesterfield-area assisted living communities must adhere to the comprehensive set of state laws and regulations that all assisted living communities in Michigan are required to follow. Visit our Assisted Living in Michigan page for more information about these laws.

Assisted Living Laws and Regulations in Michigan

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

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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