Memory Care Communities in Delray Beach, FL

Monthly memory care costs in Delray Beach are $481 higher than the state average but $144 lower than the national average. The city’s memory care costs are on par with nearby cities, such as Cape Coral, but significantly lower than other areas, such as The Villages, which costs over $1,000 more monthly. Gainesville offers the most affordable memory care costs in the state with average monthly costs of $2,938.

Note: Residential memory care is usually offered in assisted living facilities, and in general, memory care rates tend to be 20-30% higher than assisted living rates. No national database currently tracks memory care costs in the United States, so we’ve estimated the monthly memory care costs listed below by adding 25% to the rates listed in Genworth’s 2021 Cost of Care Survey.

While costs can vary based on amenities and services, the average cost of memory care in Delray Beach is $5,481 per month.

Memory care residents in Delray Beach depend on a combination of public and private funding sources to manage the costs of residential care. This financial support comes from a variety of channels, including state and federal assistance programs, veteran benefits, monthly income streams and personal savings accounts. By developing a tailored financial plan, seniors and their families can ensure the sustainability of long-term memory care.

• Medicaid: Florida’s Statewide Medicaid Managed Care Long-Term Care Program pays for a range of memory care services. Depending on an individual’s care plan, this may include case management, medication administration, personal care and nonemergency medical transportation.
• Medicare: The federal health insurance program for seniors covers medically necessary services, such as skilled nursing and physical therapy, through Part B coverage. However, standard memory care services fall outside the scope of this coverage.
• VA Benefits: According to our proprietary Caring.com database, over two dozen memory care centers in Delray Beach accept veterans benefits for personal care services, meals and transportation. The VA provides three programs to help qualified individuals pay for services: Housebound allowance, Aid and Attendance benefits and the Geriatrics and Extended Care program.
• Private payments: Most memory care residents tap into their personal checking and savings accounts to pay for housing and services. This may include Social Security and pension income, investment dividends, 401(k) savings and long-term care insurance.

Seniors who don’t require 24/7 skilled nursing care may consider more affordable options, such as in-home or home health care, which cost an average of $4,195 and $4,385 respectively. Adult day health care is even cheaper at $1,517 monthly. Assisted living is about 25% more affordable than memory care services and is for mostly independent seniors who require some supportive services. Nursing home services are for seniors that require around-the-clock skilled nursing care. This is the most expensive senior care option, at an average of $9,019 per month.

The Bureau of Health Facility Regulations monitors and regulates memory care communities in Delray Beach. This agency grants licenses to qualified care communities and conducts regular inspections to ensure these facilities meet the required standards. It also investigates reported complaints.

Benefits:

• The sales tax in Florida aligns with national norms, and the state provides exemptions for groceries and medication. Additionally, the state doesn’t impose an income tax, helping many Delray Beach seniors put more money toward memory care expenses.
• The Delray Beach region outperforms other communities in the state and nation for health factors and outcomes, indicating high-quality health care options for seniors with dementia. Among Medicare beneficiaries, about 51% receive the annual flu vaccine compared to 43% nationwide, promoting a healthy environment in long-term care communities.
• Seniors living in Delray Beach have access to Delray Medical Center and Delray Beach VA Clinic within the city limits, while major medical facilities such as  Bethesda Hospital East, Boca Raton Regional Hospital and  Mount Sinai Medical Center sit nearby. These facilities provide a full range of inpatient and outpatient services, including dementia treatment.

Drawbacks:

• Surging about 16% above the national norm, the cost of living in Delray Beach may make it challenging for some seniors and families to find accessible residential memory care. Fortunately, many local facilities accept payment from the statewide Medicaid program, reducing overall monthly care expenses for qualified residents.
• Delray Beach has warm weather throughout the year, with daytime temperatures averaging around 77 degrees Fahrenheit in the winter and 89 degrees Fahrenheit in the summer. To support residents’ comfort, memory care centers typically have features such as window treatments and unit-controlled thermostats.