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Assisted Living Communities in St Louis, MO

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Reviews of Communities Nearby

Assisted Living

Jeffrey

I visited this facility

Review of Autumn View Gardens - St. Louis

Autumn View Gardens - St. Louis was our original choice until my father's decline made him not eligible to live in assisted living anymore. We were going to move him on the 19th of December. I had...

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Assisted Living

Kathy

I am/was a resident of this facility

Review of Autumn View Gardens - St. Louis

Autumn View Gardens-St. Louis does not tell you everything before you move in. Like they will not let you keep your pills if they're narcotics. They insist that they have to distribute them and...

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Assisted Living

Robert

I visited this facility

Review of Garden Villas South

We toured Garden Villas South. It was very nice. We looked at the atrium rooms, that's what they call them, and they were very nice. It was very clean and very well laid out. There were other...

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The Cost of Assisted Living in St Louis, MO and Nearby Cities

St. Louis offers lower assisted living prices than the U.S. norm, according to the Genworth 2024 Cost of Care Survey. Nationally, prices come to about $250 higher per month. However, many nearby cities feature lower fees. Rates drop to approximately $4,411 in Columbia and $4,611 in Springfield, IL. Still, some cities are more costly, such as Jefferson City, where rates hover around $5,779.

St. Louis

$5,100

Missouri

$4,851

The United States

$5,350

Jefferson City

$5,779

Columbia

$4,411

Springfield, IL

$4,611

How to Pay for Assisted Living in St Louis:

Assisted living communities in St. Louis accept various payment options, including state and federal health insurance programs, veterans’ benefits and self-pay solutions. Using a combination of these options can help seniors afford long-term care.

  • Medicaid: Missouri’s Medicaid program operates the Aged and Disabled Waiver and Supplemental Nursing Care Assistance program, which cover some assisted living services, including personal care, case management, meals and transportation.
  • Medicare: The federal health insurance program covers only medically necessary services, putting assisted living outside its scope of coverage. While Medicare doesn’t cover assisted living costs,  seniors can use their Part B coverage for medically necessary services from third-party home health care providers.
  • VA Benefits: The VA’s Geriatrics and Extended Care program helps pay for personal care services, meals and nonemergency medical transportation. Qualifying veterans can also receive additional pension funds through Aid and Attendance or Housebound benefits to help cover housing and long-term care.
  • Private payments: Many seniors use personal savings, Social Security, pension income or long-term care insurance to pay for assisted living. Facilities accept private payments for all expenses, including housing, personal care, meals and recreational activities.

Financial Assistance for Assisted Living in St Louis

Seniors in St. Louis may be eligible for financial assistance through Missouri’s optional state supplementation (OSS) program. This cash assistance program is available to seniors who live in a licensed assisted living facility and don’t have sufficient income to pay for their care.

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

The Cost of Other Types of Senior Living in St Louis, MO

In St. Louis, assisted living ranks among the lowest-priced senior care options. Adult day health care stands as the only cheaper option, at about $2,058 per month. Conversely, nursing home care costs approximately $2,094 more, while home health care costs about $1,573 more. In-home care is also more expensive, with rates around $1,001 higher than assisted living.

Free Assisted Living Resources in St Louis

St Louis and the surrounding area are home to numerous government agencies and non-profit organizations offering help for seniors searching for or currently residing in an assisted living community. These organizations can also provide assistance in a number of other eldercare services such as geriatric care management, elder law advice, estate planning, finding home care and health and wellness programs.

To see a list of free assisted living resources in St Louis, please visit our Assisted Living in Missouri page.

Program NamePhone NumberDescription
St. Louis Area Agency on Aging314-612-5918The AAA supports St. Louis residents aged 60 and over with transportation services, home-delivered and congregate meals, Medicare counseling and information and referral services. It also assists older adults in applying for the St. Louis Property Tax Freeze Credit.
Missouri Long-Term Care Ombudsman800-309-3282The long-term care ombudsman regularly visits assisted living facilities in St. Louis to observe conditions and ensure compliance with state and federal guidelines. The ombudsman also provides confidential support and advocates on residents’ behalf regarding their rights.
Missouri Connections for Health573-817-8300This nonprofit provides free health insurance counseling for Medicare-eligible individuals, helping them make informed coverage decisions. Its counselors answer questions about Medicare Advantage, Medigap and prescription drug plans, and they help seniors submit appeals for denied coverage.
VA St. Louis Regional Office800-698-2411The local VA office provides eligibility counseling for VA benefits, helping assisted living residents determine whether they qualify for assistance with care expenses. It also gives veterans information about VA health care services and benefits.
Senior Centers in St. Louis314-612-5900 St. Louis operates nine senior centers, which host recreational activities and social services for older adults. These centers may also serve as congregate meal sites and provide transportation services, vaccine clinics and home-delivered meals.
St. Louis Area Foodbank314-292-6262This local nonprofit has a pantry locator to help older adults find supplemental food resources in their community. It also oversees the Commodity Supplemental Food Program, which distributes food boxes through local senior centers, charities and nonprofit organizations.
Meals on Wheels of Greater St. Louis314-374-9549This nonprofit, all-volunteer program delivers affordable meals to housebound seniors throughout the St. Louis region. Seniors can receive meals up to five days per week, and the program may offer accommodation for low-salt, diabetic and texture-modified diets.
Community Action Agency of Saint Louis County314-863-0015CAASTLC administers the Low Income Home Energy Assistance Program, which provides utility bill assistance to qualified individuals aged 60 and over. Additionally, it helps older adults reduce their heating and cooling costs through weatherization services, which may include installing insulation and weather stripping or repairing HVAC equipment.
LifeWise STL314-627-1237LifeWise STL operates the Senior Companion Program, which connects housebound individuals with volunteers who provide regular check-ins and companionship. It also helps income-qualifying individuals obtain financial assistance, information services and financial counseling through its Senior Resiliency Fund.
Legal Services of Eastern Missouri800-444-0514This nonprofit legal organization helps seniors with civil legal issues such as creating simple wills and understanding Missouri’s power of attorney laws. It has specialists who help older adults understand assisted living facilities’ contracts and enroll in state and federal programs that may help pay for long-term care services.

Benefits and Drawbacks of Assisted Living in St Louis

  • St. Louis reports around 22,000 crimes annually, indicating a rate of roughly 78 incidents per 1,000 people. While this makes it one of the least safe cities in the nation, assisted living residents benefit from high-security locks, surveillance cameras and security gates.
  • Living expenses in St. Louis run about 4% below the national mark, indicating affordable assisted living. This, combined with access to programs such as the Aged and Disabled Waiver, helps seniors afford local long-term care expenses.
  • Summers in St. Louis bring humid conditions and daytime temperatures around 90 degrees Fahrenheit, while winters are cold and snowy with nighttime lows around 30 degrees Fahrenheit. To accommodate a variety of temperature preferences, assisted living facilities often feature unit-controlled thermostats.
  • Seniors in St. Louis don’t pay state income taxes on their Social Security benefits, and they can claim large deductions to reduce or eliminate the tax burden for public and private pension income. The state’s retiree-friendly tax laws enable many seniors to afford local assisted living costs.
  • Metro Transit manages the public transportation system in St. Louis, making the city accessible to assisted living residents who don’t drive. It operates the MetroLink light rail system, the MetroBus bus network and Call-A-Ride paratransit services.

Assisted Living Laws and Regulations in St Louis

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

Assisted Living Services and Amenities in St Louis

Amenities and services enhance residents’ experience and quality of life, making them key factors when researching assisted living in St. Louis. These features support the maintenance-free lifestyle retirees seek while ensuring residents receive appropriate care and support. They also contribute to an active lifestyle and foster social connections. Some of the most common services and amenities include:

  • Around-the-clock staffing: Awake caregivers provide 24-hour monitoring and support, quickly addressing after-hours emergencies or care needs.
  • Personalized care plans: Individualized service plans based on comprehensive assessments balance hands-on assistance with privacy and independence.
  • Medication management: Secure storage, dispensing and monitoring encourage compliance with doctors’ orders.
  • Assistance with daily living activities: Trained caregivers administer custodial care, assisting with dressing, bathing, eating, toileting and mobility.  
  • Housekeeping and laundry services: Regularly scheduled cleaning and laundry services promote a worry-free lifestyle and sanitary environment.
  • Nutritious meals and snacks: Facilities serve three daily meals plus snacks, and they provide modified diets according to residents’ medical needs. 

Reach out to a Caring.com Family Advisor today for more details on the services and amenities available in St. Louis’s assisted living facilities.

Frequently Asked Questions about Assisted Living in St Louis:

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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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