Memory Care in Illinois
Illinois’s population of approximately 12,700,000 residents includes 16.1% seniors aged 65 and older. Seniors will appreciate Illinois’ cost-of-living, which is seven points below the national average in its cost of health care which is also lower than national costs. Illinois has several excellent hospitals, including Northwestern Memorial Hospital, nationally ranked in 10 specialties, Rush University Medical Center, nationally ranked in nine specialties and the University of Chicago Medical Center, ranked in six specialties.
Alzheimer’s disease and dementia impact a growing number of seniors in the state each year. Illinois predicts a 14% rise in Alzheimer’s cases between 2010 and 2025. The number of seniors in the state aged 65 and older diagnosed with Alzheimer’s as of 2020 was 230,000. Fortunately, there are a growing number of residential memory care programs in Illinois that provide specialized, around-the-clock memory care services to meet the needs of those living with memory loss.
Memory care can either be offered on its own in a community designed especially for those with dementia or Alzheimer’s, or, more often, it’s provided as a service in a separate wing of an assisted living facility. Memory care programs are designed specifically for those with memory impairment, and the facilities often coordinate social activities and schedules specifically for the needs of those living with Alzheimer’s or dementia.
This guide will present cost comparisons of memory care in Illinois with costs in other states, costs within the cities in the state, and costs of other type of care as well as how to apply for assistance paying for memory care. There’s also resources about memory care in Illinois designed to help seniors, families, or caregivers cope with this debilitating condition.
The Cost of Memory Care in Illinois
Note: Memory care is offered most often in residential assisted living facilities. These facilities typically charge an extra 20-30% above assisted living costs. Prices may vary depending upon the location and the services provided. There are no official state or national figures on the cost of memory care. We use the Genworth Cost of Care 2021 assisted living figures plus 25% in this guide.
In Illinois, memory care costs an average of $5,610 a month, which is slightly below the national average of $5,625 a month. In Missouri, memory care costs are significantly lower than in Illinois, averaging $3,750. Iowa is approximately $150 a month less than Illinois, costing $5,459. Indiana also has a less expensive monthly average of memory care at $5,354. Wisconsin is the only neighboring state with a slightly higher cost of memory care averaging $5,750.
The United States
The cost of memory care in Illinois varies greatly. The least expensive location is Carbondale, in the southern part of the state, which averages $4,406 a month. Located in the state’s northern area, Rockford is the most expensive, costing approximately $2,000 a month extra at $6,563. Chicago, the state’s largest city, averages $6,031 a month. Champagne is slightly less expensive than Chicago, with a price of $5,939 a month. Bloomington, home to the University of Illinois, has the second-highest memory care cost in the state at $6,450 a month. Springfield, the state capital, is not far behind, with a monthly average of $6,388. Decatur averages $5,478 a month, while Peoria costs $5,164 a month.
Seniors have other options available to them in Illinois. Home care, which includes help with activities of daily living and grocery shopping, light housekeeping and some personal chores, and home health care, which provides for medical assistance, cost $5,339 a month. Adult daycare remains the least expensive option at $1,885 a month. If a senior citizen wishes to reside in an assisted living facility, it averages $4,488 a month. Seniors who need to stay in a nursing home facility will be able to get a semiprivate room for approximately $6,266.
Home Health Care
Adult Day Care
Assisted Living Facility
Nursing Home Facility (Semi-Private Room)
Does Medicaid Cover Memory Care in Illinois?
Note: For the purposes of this guide, when we say “Memory Care” we are referring to memory care provided in a “social setting,” such as an Assisted Living Facility. This is the most common way to receive Memory Care and is the best fit for all but the frailest seniors. Sometimes the actual service of memory care can be provided in a Nursing Home (“medical setting”), so the financial assistance options will be very different. To learn more about the financial assistance options available for memory care provided in a nursing home, read our guide to Nursing Home Care in Illinois.
In Illinois, Medicaid is commonly referred to as Medical Assistance. In Illinois, Medical Assistance will pay for care in an assisted living environment, including memory care, through the Illinois Supportive Living Program (SLP). While the SLP does not pay for room and board, it does help cover some of the other costs associated with assisted living and memory care. Illinois must approve seniors to take part in the program. A senior must have an income equal to or more than the supplemental security income (SSI) monthly income benefit to be eligible.
What Memory Care Services Are Covered by Medicaid in Illinois?
SLP helps pay for some costs associated with memory care in an assisted living facility. A resident or their representative can choose from the following menu of services if the facility offers them.
- Medication oversight
- Social/recreational programming
- Ancillary services
- Health promotion and exercise programs
- Personal care
- 24-hour response/security
- Meals and snacks
Eligible residents will also receive a $90 a month stipend for personal items.
Memory Care Waiver Programs in Illinois
Illinois Supportive Living Program
The SLP was previously known as the Home Community-Based Services Waiver Program. The SLP provides services to financially challenged seniors who qualify for nursing home care but want to remain in their community in an assisted living facility. The SLP does not pay for room and board but does cover supportive services like homemaking, laundry, medication management, personal care, and recreation. The SLP has limited financing, so seniors may be placed on a waiting list even if they are eligible.
Seniors must be at least 65 and meet Illinois Medical Assistance’s regular income and asset limits. Eligible seniors must also reside in approved assisted living facilities with memory care units and need assistance with at least two ADLs.
How to Know If You’re Eligible for Medicaid in Illinois
If you want to apply for Medical Assistance in Illinois, you’ll need to meet certain financial limits on income and assets. For individuals, the limits are $18,755 a year for income and $2,000 for assets. In a two-person household, with only one person applying for Medical Assistance, the income level is $25,268 while the asset limit for the person applying for medical assistance remains $2,000. However, the non-applicant has an asset limit of $109,560. In a two-person household with both people applying, the income limit is $50,536, and the asset limit is $3,000.
2022 Medicaid Income Limits for Seniors in Illinois
(Only One Person Applying)
Non applicant: $109,560
(Both People Applying)
Several other factors come into play when determining if you are eligible for Medical Assistance in Illinois.
To be eligible:
- You must be a resident of Illinois
- You must be a U.S. citizen, national, permanent resident or legal alien
- Your household income cannot be any more than $18,255 for an individual and $25,268 for a couple
- An individual can only have assets worth $2000 (not including one car and one home) while a couple may only have $3000
You must also be:
- Responsible for a child aged 18 or fewer years
- Disabled or accountable for a family member in your household who is disabled
- At least 65 years of age
How to Apply for Medicaid in Illinois
If you would like more information on applying for Medical Assistance in Illinois, call the Health Benefits Hotline at (800) 843-6143. You can also visit the Application for Benefits Eligibility website, which will answer questions about eligibility and walk you through the application process. You can also download a paper application. Once completed, you can mail, fax or take it to your local Family Community Resource Center.
Information you will need
When you apply for Medical Assistance in Illinois, you’ll need proof of money from other sources such as loans or any rental income from a property, the last five years of income tax returns and titles and registrations for all vehicles you own. You also need:
- Government-issued identification, such as a passport or a driver’s license
- Social Security card
- Health insurance cards
- Birth certificate
- Military service record if applicable
- Individual or group life insurance policies
- Statement of the gross amount of pensions
- Social Security award letter
How to Get Help Applying for Medicaid
If you need help applying for Medicaid, you can turn to several different sources. Get Care Illinois provides “navigators” who can help you find the proper healthcare. The Department of Human Services can answer your questions and Illinois Legal Aid offers an online guide to applying for Medicaid.
Seniors can work with a navigator, a trained, unbiased professional, who can help them find the correct health coverage. You can schedule a free, in-person appointment with a Navigator to determine if you are eligible for Medicaid or other public benefits.
The department offers online directions on how to apply for Medicaid. If you are still confused, you can call operators who can help you determine if they are eligible for Medicaid benefits.
The Illinois Legal Aid site presents step-by-step instructions on how to apply for Medicaid and phone numbers you can call to get more information
Does Medicare Cover Memory Care in Illinois?
The short answer is that no, Medicare does not cover the cost of memory care in Illinois. As was mentioned above, this doesn’t apply to Memory Care received in a Nursing Home. Since it is the most common to receive memory care in a “social setting” (such as an assisted living facility), Medicare won’t be a viable financial assistance option for most seniors who need Memory Care. However, Medicare will still cover things like approved medications, doctor visits, medical equipment, etc., just like it would if you lived at home.
For more information about when Medicare can be used to pay for Memory Care in a nursing home, and for Medicare-related resources, see our guide to Nursing Homes in Illinois.
Other Financial Assistance Options for Memory Care in Illinois
Seniors who are not eligible (due to location, financial situation, or other factors) for other types of financial assistance, do still have some options. See the table below for an overview of some of the most common ways to make Memory Care affordable.
How to Apply
How It Works
Aid and Attendance
Learn more and apply online at va.gov.
Veterans who receive a VA pension may also be eligible for the Aid and Attendance benefit, a monthly cash allowance that veterans receive in addition to their standard pension amount. The benefit is intended for veterans in need of long-term care services and may be used towards paying for Memory Care.
Learn more about your options and how to apply at ftc.gov
If you own a home, you may be able to use a reverse mortgage to help pay for Memory Care. Reverse mortgages are loans that one can take out against the value of their home, essentially converting some of the home's equity into cash. Reverse mortgage loans do need to be repaid with interest, typically within 12 months of receiving the loan.
Long-Term Care (LTC) Insurance
Learn more about Long-Term Care Insurance and how to apply for a policy at acl.gov.
Seniors who already have long-term care insurance may be able to use it to pay for Memory Care. Most policies cover at least a portion of the cost, but it depends on the specific policy terms. Note that older adults who are already in need of Memory Care will not typically be eligible to sign up for a LTC insurance policy.
Free and Low-Cost Resources for Seniors in Illinois
Several free or low-cost services are available to seniors diagnosed with Alzheimer’s or other dementia diseases and their family members or caregivers. These services include help with legal matters, transportation when needed and available specialized care centers.
800-252-8966 or Contact your regional Long-Term Care Ombudsman
The trained volunteers of the Illinois Long-Term Care Ombudsman Program Act as advocates for seniors when they have made allegations of abuse or neglect against a long-term care facility (LTC). The ombudsmen investigate the complaint and attempt to resolve the issue between the senior and the LTC facility. Ombudsmen also act as third parties when providing advice to seniors about Medicaid or Medicare billing issues and how to appeal adverse decisions. They also educate the broader community about the rights enjoyed by seniors in LTC facilities
The Helpline provides seniors aged 60 and older, their family or caregivers with information on programs and services. Staff can refer callers to appropriate services such as transportation, assisted living in mental care facilities and long-term care.
The 13 Area Agencies on Aging provide services for seniors across the state and work with local organizations to ensure services for seniors are provided. They assist with long-term care planning and help seniors, families or caregivers find assisted living facilities with memory care units.
LGBTQ seniors can call the hotline for information about local support services, including memory care. Hotline staff members can talk with seniors about concerns they may have about aging as an LGBTQ senior. The hotline can also connect callers with crisis response care.
The Alzheimer's Association provides seniors, their family or their caregivers with up-to-date information on available Alzheimer's resources in the state, respite care resources and how to find appropriate memory care units. The Alzheimer's Association also regularly fundraises for continuing research into Alzheimer's and other dementia-related diseases.
These services seek to help senior residents who can't be left alone because of physical or mental impairment but want to remain in their communities. Several centers throughout the state offer care for seniors diagnosed with Alzheimer's. The centers provide caregivers with an opportunity for respite care and offer seniors nutritious meals, personal care and recreational and therapeutic activities.
The Rush Alzheimer's Disease Center is one of 29 national centers funded by the National Institute on Aging. The center offers psychological and neurological evaluations and consultations with physicians treating patients with Alzheimer's. The center also researches ways to treat and diagnose dementia-related diseases.
COVID-19 Rules for Memory Care in Illinois
The following information is based on research done on several government websites, including dph.illinois.gov. These rules apply to nursing homes and other types of senior living facilities. We’ve most recently updated this data on 4/25/22, but since COVID-19 is a rapidly evolving pandemic, contact your local senior living facility or Area Agency on Aging for more specific and up-to-date information.
Are loved ones allowed to visit to provide emotional support?
Are relatives allowed to visit for end-of-life care?
Are residents required to quarantine after visiting with a loved one?
Are visitors required to wear PPE (including masks) in order to visit residents?
Are non-medical contractors (such as hairdressers and entertainers) allowed in senior living facilities?
Does the state recommend or require that senior living facilities assist families with setting up virtual visit alternatives?
Are visitors checked for elevated temperatures?
Are visitors required to answer questions about health, travel, and potential virus contact?
*Note: This information was not available for this state, contact your local area agency on aging or senior living facility for more information.
Outings & Social Activities
RULES FOR ILLINOIS COMMUNITIES
Are residents allowed to leave the facility for non-medical reasons?
Are residents of senior living facilities who leave and return required to self-quarantine?
No (Conditions Apply)
Are senior living facilities required to cancel all group outings?
Are residents still eating together in the dining hall?
Yes (Conditions Apply)
Are facilities still allowed to host group activities within the community?
Yes (Conditions Apply)
COVID-19 Safety Measures for Staff and Residents
RULES FOR ILLINOIS COMMUNITIES
Are staff members and contractors being screened for elevated temperatures?
Are staff members and contractors being tested for Coronavirus?
Yes (Conditions Apply)
Are staff members and contractors being asked questions about health, travel, and potential virus contact?
Are staff members required to regularly screen residents for coronavirus symptoms?
Are residents relied on to screen themselves and self-report potential coronavirus symptoms?
Are staff members required to take residents’ temperatures?
Are residents being tested for coronavirus?
Yes (Conditions Apply)
Memory Care Laws and Regulations in Illinois
Frequently Asked Questions
How much does memory care cost in Illinois?
In Illinois, the average cost of memory care is $5,610 per month, although actual costs may be higher or lower depending on the location, facility, and services. The highest prices in the state are in Rockford, where seniors can expect to pay an average of $6,563 for memory care, while the least expensive memory care services are found in Carbondale, where costs average $4,406 per month.
Memory Care Facilities in Illinois (112)
- Algonquin, IL (2)
- Arcola, IL (1)
- Arlington Heights, IL (5)
- Aurora, IL (4)
- Barrington, IL (2)
- Bartlett, IL (2)
- Belleville, IL (2)
- Bensenville, IL (1)
- Bloomingdale, IL (2)
- Bloomington, IL (4)
- Bolingbrook, IL (2)
- Bourbonnais, IL (2)
- Buffalo Grove, IL (2)
- Burr Ridge, IL (2)
- Cary, IL (1)
- Champaign, IL (2)
- Charleston, IL (2)
- Chicago, IL (12)
- Collinsville, IL (2)
- Columbia, IL (1)
- Crystal Lake, IL (4)
- Decatur, IL (2)
- Des Plaines, IL (2)
- East Peoria, IL (1)
- Edwardsville, IL (2)
- Elgin, IL (2)
- Elk Grove Village, IL (2)
- Elmhurst, IL (3)
- Evanston, IL (2)
- Fairview Heights, IL (1)
- Flossmoor, IL (1)
- Fox Lake, IL (1)
- Freeport, IL (2)
- Galena, IL (1)
- Geneva, IL (2)
- Glen Carbon, IL (1)
- Glen Ellyn, IL (4)
- Glenview, IL (3)
- Godfrey, IL (2)
- Granite City, IL (1)
- Grayslake, IL (2)
- Gurnee, IL (3)
- Hazel Crest, IL (2)
- Highland, IL (3)
- Highland Park, IL (3)
- Hoffman Estates, IL (2)
- Homer Glen, IL (2)
- Huntley, IL (2)
- Jacksonville, IL (2)
- Jerseyville, IL (2)
- Joliet, IL (1)
- Kankakee, IL (2)
- Lake Bluff, IL (1)
- Lake In The Hills, IL (2)
- Lake Zurich, IL (2)
- Libertyville, IL (2)
- Lincolnwood, IL (1)
- Lisle, IL (1)
- Lombard, IL (3)
- Long Grove, IL (2)
- Loves Park, IL (1)
- Mahomet, IL (1)
- Manito, IL (1)
- Mchenry, IL (3)
- Metamora, IL (1)
- Mokena, IL (1)
- Moline, IL (2)
- Morrison, IL (1)
- Morton, IL (1)
- Morton Grove, IL (0)
- Mount Vernon, IL (2)
- Naperville, IL (7)
- New Lenox, IL (1)
- Norridge, IL (1)
- Northbrook, IL (2)
- O Fallon, IL (3)
- Oak Lawn, IL (1)
- Oak Park, IL (1)
- Oakbrook Terrace, IL (1)
- Orland Park, IL (5)
- Oswego, IL (3)
- Palos Heights, IL (1)
- Palos Park, IL (2)
- Pana, IL (0)
- Park Ridge, IL (3)
- Pekin, IL (2)
- Peoria, IL (3)
- Plainfield, IL (1)
- Prospect Heights, IL (2)
- Quincy, IL (3)
- Rantoul, IL (2)
- Rockford, IL (5)
- Rockton, IL (1)
- Romeoville, IL (1)
- Savoy, IL (2)
- Schaumburg, IL (2)
- Shiloh, IL (2)
- South Barrington, IL (1)
- South Elgin, IL (3)
- South Holland, IL (2)
- Springfield, IL (3)
- St. Charles, IL (5)
- Streamwood, IL (1)
- Tinley Park, IL (2)
- Urbana, IL (2)
- Vernon Hills, IL (3)
- Washington, IL (1)
- Westmont, IL (1)
- Wheaton, IL (3)
- Wheeling, IL (3)
- Willowbrook, IL (1)
- Wilmette, IL (1)