The 10 Best Assisted Living Facilities in Cape Girardeau, MO for 2023
Cape Girardeau is known for its historic landmarks and beautiful parks, offering a unique backdrop for retirement living. It has about 40,000 residents, 18% of whom are seniors aged 65 and older who may benefit from its many community-based senior programs. The city has a very low cost of living and retiree-friendly tax laws, and it has a reliable public transportation system that makes the city easy to navigate, even without a private vehicle. There are also two hospitals and numerous long-term care providers in the city.
Assisted living facilities are ideal for older adults who don’t need nursing home level care but are unable to live alone safely and comfortably. These facilities generally have private and semiprivate suites and apartments and provide regular housekeeping and laundry services, transportation, daily meals and personalized care plans. In Cape Girardeau, this level of care costs $2,538 per month, which is below the state norm of $3,000 and the national rate of $4,500.
This guide highlights ways seniors in Cape Girardeau pay for assisted living and further compares local costs to rates in nearby cities. It also lists resources that may be helpful to seniors seeking long-term care.
Directory of Assisted Living Facilities in Cape Girardeau, Missouri
The Lutheran Home
2825 Bloomfield Rd, Cape Girardeau, MO, 63703
"My mom is at The Lutheran Home. I'm not allowed to go in because of COVID, so I have not been able to actually go inside the facility, but she's very happy there. Everybody I talked to -- the social workers -- are absolutely amazing. My mom also ..."READ MORE
2910 Beavercreek Dr, Cape Girardeau, MO, 63701
"When we visited Auburn Creek, it was on a Saturday, the administrator just happened to be there, and he was very willing to give us a tour. It is a good place, they take good care of dad, and he is doing really well there. The people are very nice an"READ MORE
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Capetown Senior Living
2857 Cape La Croix Road, Cape Girardeau, MO, 63701
"To us at Capetown - assisted living by Americare in Cape Girardeau, Missouri, assisted living means two things: you do the living and we help you live. Our personal assistants provide what you need when you need it. Here, the emphasis is less on pape..."READ MORE
1115 K Land Drive, Po Box 740, Jackson, MO, 63755
"We chose Monticello House because of personal recommendations and it was closer to my house. The food was very good. We had lunch there many times and the price was reasonable too. My mother enjoyed the food and they had good meal plans. There were s"READ MORE
What to Consider About Assisted Living in Cape Girardeau
Assisted living facilities in Cape Girardeau and the rest of Missouri follow regulations set by the Missouri Department of Health and Senior Services, Section for Long-Term Care Regulation. This department licenses assisted living facilities and houses the Long-Term Care Ombudsman Program, which provides advocacy, information and practical assistance for residents.
Benefits and Drawbacks of Assisted Living in Cape Girardeau
- On a 100-point cost of living index based on national cost norms, Cape Girardeau rates 81.4 compared to the state score of 85.6. This indicates that the city is among the more economical places to live in the state and nation and may make it a good option for those with limited financial resources.
- Violent crime occurs at a slightly higher rate in Cape Girardeau than in a typical U.S. city, but most crimes that take place here are property-related offenses. A 100-point crime index that assigns higher values to communities with more crime gives Cape Girardeau a 25.3 for violent crime and 63.1 for property crime, compared to national scores of 22.7 and 35.4, respectively. Assisted living facilities provide a safe environment for seniors through measures such as security gates and surveillance cameras.
- The weather in Cape Girardeau is the most comfortable in the spring and fall, when daytime temperatures range from 60 to 78 degrees. Summers are very warm with highs around 90 degrees, and July typically sees high humidity levels. Winters are chilly with daytime temperatures in the low 40s and nighttime temperatures in the 20s, and the city gets about 10 inches of snow annually. Assisted living facilities support an active lifestyle year-round with a variety of indoor and outdoor recreational options.
- Cape Girardeau has two local hospitals, including Southeast Hospital and Saint Francis Medical Center, offering emergency services and primary and specialty care for seniors. There are 384 doctors per capita in this city, which is significantly higher than the national average of 210 and may result in shorter wait times for care.
- Cape Girardeau seniors who earn less than $85,000 per year don’t pay state income taxes on their Social Security benefits. While other types of retirement income are taxable, deductions are available to minimize this financial burden.
- Cape Girardeau County Transit Authority provides public transportation services throughout the region, helping older adults maintain their independence even if they don’t drive. It has a discount program for those aged 60 and over, which can supplement services seniors obtain through assisted living.
Paying for Assisted Living in Cape Girardeau
Assisted living facilities in Cape Girardeau charge an average of $2,538 per month for services.
The Cost of Assisted Living in Nearby Cities
In Cape Girardeau, seniors pay average monthly rates of $2,538 for assisted living, making this city among the most budget-friendly in the nation for residential care. Local care costs are well below the state norm of $3,000 and nearly $2,000 below the national average. Seniors may save $460 per month by choosing an assisted living facility in Jefferson City, but in Columbia, care costs are higher than in Cape Girardeau at $2,800. In Springfield, seniors pay $3,250 for care, and in St. Louis, local care costs exceed Cape Girardeau’s norm by nearly $1,600.
The Cost of Other Types of Senior Care
Assisted living is the most economical long-term care option in Cape Girardeau, with residents paying $2,538 per month for care. Adult day health care, which only includes daytime services in a community setting, costs nearly $300 more per month. Seniors who want to age in place can pay $3,756 for in-home care. Home health care includes light medical services and has the same rate. Nursing home care is the costliest option with base rates at $5,232 per month.
Home Health Care
Adult Day Health Care
Assisted Living Facility
Nursing Home Facility (semiprivate room)
Financial Assistance for Assisted Living in Cape Girardeau
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 Missouri page.
Free & Low-Cost Assisted Living Resources in Cape Girardeau
When searching for the best assisted living option in Cape Girardeau, seniors and families can find support and assistance from several local agencies, including the long-term care ombudsman, the Area Agency on Aging and the local senior center. The following table highlights some of the most helpful resources for seniors in the region that can assist seniors in navigating their long-term care options.
|Cape Senior Center||(573) 335-1352||Cape Senior Center operates a daily congregate meal program where seniors can enjoy nutritious meals and social activities for a low suggested contribution. The center also hosts exercise classes, table games and educational workshops that cover topics related to nutrition. It’s open on weekdays from 8 a.m. to 3 p.m.|
|Aging Matters||(573) 335-3331||As the designated Area Agency on Aging for the Cape Girardeau region, Aging Matters provides a range of supportive services for seniors such as transportation services, volunteer opportunities and advocacy. The agency also has information specialists who provide referrals for helpful resources in the community, including financial and legal advisors.|
|Missouri Veterans Commission||(573) 751-3779||The Missouri Veterans Commission operates an office in the Cape Girardeau region and can help older veterans and their dependents enroll in the programs and services they’re entitled to. While it’s not affiliated with the federal Veterans’ Administration, its advisors specialize in helping veterans file applications for VA benefits.|
|Legal Services of Southern Missouri||(573) 651-4806||Legal Services of Southern Missouri has licensed legal professionals who help seniors with age-related civil matters such as drafting wills, assigning powers of attorney and using assets to pay for assisted living expenses. The office can also help seniors apply for benefits such as Social Security and Supplemental Security Income.|
|Retired and Senior Volunteer Program||(573) 335-7555||RSVP provides exclusive volunteer opportunities to those aged 55 and over in the Cape Girardeau region. Through this nonprofit program, seniors can volunteer in local senior centers, nonprofit organizations and charities, schools, hospitals and museums. Volunteers choose how much and in what capacity they serve and get free on-the-job training.|
|Missouri Long-Term Care Ombudsman Program||(800) 309-3282||The long-term care ombudsman advocates for assisted living residents in Cape Girardeau and can help seniors and families determine ways to pay for care. The ombudsman can also represent seniors in instances such as involuntary transfers or move-out orders, neglect or financial exploitation.|
Assisted Living Laws and Regulations in Cape Girardeau
Cape Girardeau Assisted Living Communities must adhere to the comprehensive set of state laws and regulations that all Assisted Living Facilities in Missouri are required to follow. Visit our Assisted Living in Missouri page for more information about these laws.