Memory Care Communities in Elizabethtown, Kentucky

Elizabethtown is a budget-friendly city for memory care services, with seniors paying approximately $4,031 per month for specialized residential services. By comparison, Kentucky's median rate is a few hundred dollars more at $4,310, and nationwide, monthly fees are substantially higher than in Elizabethtown at $5,625. The city offers economically priced care compared to Lexington, where facilities charge $5,710 for services, and the Louisville/Jefferson County region, where seniors pay $4,375. On the other hand, seniors pay lower rates for care in Owensboro, where facilities charge $3,860.

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.

Memory care rates in Elizabethtown come in at around $4,031 per month.

While many families use their own funds or personal assets to pay for memory care, there are plenty of additional options to cover these costs. Some additional ways to finance memory care costs include:

• Veterans Benefits
• Life Insurance Policy
• Long-Term Care Insurance
• Reverse Mortgage

For more information about different ways to finance memory care, visit our Memory Care in Kentucky page.

Compared to other senior care options in Elizabethtown, memory care monthly rates are moderate at about $4,031. Some senior care solutions have more affordably priced services, including assisted living, which costs $3,225 and includes personal care and housing. Adult day health care facilities provide daytime personal care and recreational activities for $1,690 per month. By contrast, agencies charge $5,053 for in-home care, a nonmedical option that includes personal care and companion services, and home health care, which features skilled nursing. Additionally, nursing home care is considerably costlier than memory care at $7,604 for semi-private accommodations. This long-term care solution is for seniors who need extensive, around-the-clock medical services and supervision in a hospital-like setting.

The Kentucky Department for Aging and Independent Living oversees memory care facilities in Elizabethtown and requires facilities to obtain certification annually. The department operates the Long-Term Care Ombudsman Office, which helps seniors and families understand residents’ rights and navigate the facility selection and move-in process. It also houses the Office of Dementia Services.

• Baptist Health Hardin is a 300-bed hospital in Elizabethtown and serves residents through 24-hour emergency services and primary and specialty care. It treats a full range of neurological disorders, including Alzheimer’s and dementia, with a multidisciplinary team of neurologists and rehabilitative specialists. To promote access to care and provide relief for families, many memory care communities in Elizabethtown have medical concierge services and nonemergency medical transportation for medical appointments.
• Hardin County, where Elizabethtown is located, ranks 20th out of Kentucky’s 120 counties for overall health. Of its Medicare beneficiaries, about 48% get the flu shot annually, reducing the spread of infectious illnesses in memory care communities, and the average life expectancy is 76 years, about a year higher than the state norm. While there's only one doctor per 1,690 residents compared to the national norm of 1,310, many memory care communities have on-staff nurses and on-call physicians who provide regular medical monitoring and assistance.
• Housing costs in Elizabethtown run about 30% below the national norm and food costs come in 28% lower than in a typical U.S. city, reducing the cost of memory care services. Altogether, the city’s cost of living runs about 4% below the national norm, which may help seniors afford care and living expenses on fixed incomes. To further promote affordability, the state funds the Home and Community Based Waiver for qualified memory care residents.
• Elizabethtown’s score of 48 on the AARP Livability Index aligns with the U.S. average, indicating a moderate scope of benefits and amenities for seniors. On a 25-point scale, the city scores 8 for healthcare worker shortages versus the national score of 12, which means medical support is comparatively accessible. Additionally, there are 144.4 crimes per 10,000 people, which is modest compared to the national average of 197.4.  
• Elizabethtown seniors don’t pay state income taxes on their Social Security benefits, and they can claim a deduction of up to $31,110 to reduce what they owe to the state for other types of income. For many seniors, this leaves money in the bank for memory care expenses.