New Hampshire is a popular destination for seniors before and after retirement. The state is ranked eighth in the nation for its percentage of senior residents, reported at 18.7% in the latest Census estimates. Long-time residents and newcomers alike benefit from New Hampshire’s low tax rates for seniors. The state also performs well in health-related factors, including access to physicians, health care costs and air quality.

Despite these positive indicators, memory issues are affecting a growing number of New Hampshire residents. In 2020, the state was home to 26,000 seniors with Alzheimer’s and by 2025, it’s estimated that the disease will impact 32,000 people. There were 511 deaths attributed to Alzheimer’s in 2019, making it the sixth most common cause of death. Memory care in New Hampshire cost an average of $7,566 per month, which is high compared to the nation overall, although costs are even higher elsewhere in the northeast.

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 helps explore the cost of memory care in New Hampshire compared to neighboring states and other types of senior care. Aging-related resources and financial assistance options for low-income seniors are also detailed.

The Cost of Memory Care in New Hampshire

Note: While there’s no authoritative source for memory care cost data, it’s usually around 20-30% more expensive than traditional assisted living. To calculate the following estimates, we added 25% to the monthly cost of assisted living reported in Genworth Financial’s 2021 Cost of Care Survey.

Seniors in New Hampshire pay an average of $7,566 per month for residential memory care, which is almost $2,000 more than the U.S. average of $5,625. Most states in the region also have costs above the national average, with Massachusetts being the most expensive at $8,125 per month. Maine is slightly more affordable than New Hampshire at $7,331, representing savings of $235 per month, whereas seniors in Vermont pay around $1,000 less for memory care at $6,563, on average.

$7566

New Hampshire

$5625

The United States

$7331

Maine

$6563

Vermont

$8125

Massachusetts

Manchester is the only city in New Hampshire with reported cost data, which shows an average rate of $10,076 per month, a 33% increase over the statewide average. The closest cities in nearby states are more affordable than Manchester, although most are still above average for New Hampshire. In Maine, costs vary between $6,855 per month in Lewiston and $8,156 in Portland. Memory care in Boston, Massachusetts, is even more expensive at $8,524, while the average cost in Burlington, Vermont, is $7,964 per month.

$10076

Manchester

$8156

Portland, ME

$6855

Lewiston, ME

$7964

Burlington, VT

$8524

Boston, MA

Costs vary in New Hampshire depending on the type of care a senior needs. At $7,566, memory care is about $1,500 more costly than the average rate of $6,053 paid for standard assisted living. Home care services are slightly cheaper, at $6,006 per month, and the average cost of home health care services is just above that of assisted living, at $6,197 per month. Adult day care services are the least expensive option at an average monthly cost of just $1,842. New Hampshire seniors pay the highest rates for nursing home care, at $10,950 for semiprivate accommodations and $12,015 for private rooms.

$7566

Memory Care

$6006

In-Home Care

$6197

Home Health Care

$1842

Adult Day Health Care

$6053

Assisted Living Facility

$10950

Nursing Home (semiprivate)

$12015

Nursing Home (private)

Does Medicaid Cover Memory Care in New Hampshire?

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 New Hampshire.

The basic New Hampshire Medicaid program doesn’t directly cover memory care services for seniors. Medicaid recipients also need to be approved for Long Term Care (LTC) and the Choices for Independence Program, a Home and Community-Based Services Waiver, to receive coverage for services received in residential care facilities that provide memory care.

Delaying or preventing the need for expensive state-funded nursing home care is the ultimate goal of the LTC and waiver programs. As such, residents who require significant help with daily activities may receive coverage for services received in memory care facilities or in-home care if deemed appropriate.

What Memory Care Services Are Covered by Medicaid in New Hampshire

New Hampshire seniors who are eligible for both the state Medicaid and Long Term Care waiver programs can be covered for a wide range of services related to memory care. Individuals are covered only for the services deemed appropriate in their circumstances, although the following list gives a general idea of what to expect.

Medicaid Long Term Care may cover services such as:

  • Personal care
  • Residential care facility services
  • Supportive housing
  • Personal emergency response system
  • Skilled nursing
  • Specialized medical equipment

Memory Care Waiver Programs in New Hampshire

Choices for Independence Program

The Choices for Independence Program helps seniors and people with disabilities avoid premature nursing home placement by expanding the coverage of Medicaid to include in-home and residential care services. The additional covered services listed above are part of what’s collectively referred to as Medicaid Long Term Care.

Memory care may be covered for individuals who are approved for Medicaid LTC and the Choices for Independence Program waiver and assessed as needing the specific set of services provided in such a facility. New Hampshire Medicaid doesn’t pay the entire bill for memory care, however, as room and board costs aren’t covered.

How to Know if You’re Eligible for Medicaid in New Hampshire

New Hampshire Medicaid and the Choices for Independence Program are intended for residents who meet certain eligibility criteria, including being:

  • Aged 65 or older and/or deemed disabled per Social Security
  • A New Hampshire resident and United States citizen (or have valid immigration status)
  • Low income with few assets
  • In need of services to satisfy medical requirements in a home or community setting

The financial requirements for Medicaid LTC eligibility include a limit of $2,500 in countable assets and $30,276 in annual income per person, as of 2022. This income limit is set at 300% of the SSI federal benefit rate, so it changes slightly each year. The state may investigate up to 60 months prior to the application to determine whether the person sold or gave away any assets with a high monetary value. All sources of income must be verified, including annuities and Social Security.

 

Income Limits*

Asset Limits

Single Applicant

$30,276

$2,500

Two-Person Household (Only One Person Applying)

$30,276

$2,500 for applicant

$137,400 for non-applicant

Two-Person Household (Both People Applying)

$60,552

$5,000

*Per year

Applicants for Medicaid Long Term Care coverage must also satisfy medical eligibility, which involves having a need for LTC services and requiring a nursing home level of care. The applicant will be contacted to schedule an assessment. 

How to Apply for Medicaid in New Hampshire

New Hampshire residents can apply for basic Medicaid online at NH Easy or over the phone by calling (800) 852-3345, extension 9700. Applications for Medicaid Long Term Care services can be submitted in person or by mail to local offices of the Department of Health and Human Services. The application for Medicaid Long Term Care — known as Form 800 — is available online but must be printed and submitted to the DHHS.

What Information You Will Need

As these programs are limited to people with low income who are unable to afford care, applications are scrutinized to ensure the individual is eligible and may be required to prove certain elements. Any specific requests for proof will be made during the application process, and the following list of items is merely an example.

  • Proof of identity (name and date of birth)
  • Social Security number and/or Veterans claim number
  • Proof of citizenship (only if it can’t be verified automatically via Social Security)
  • Proof of income (award letter, pension statement, dividend checks, etc.)
  • Documentation of assets owned and any significant transfer within the prior 60 months
  • Health insurance card and current premium statement (if applicable)

Many pieces of information about an applicant may not need to be verified, particularly for people with previous applications for public assistance and recipients of Social Security benefits.

How to Get Help Applying for Medicaid

There are many sources of help and information about the Medicaid program. Included below are details about assistance programs and agencies that are available in all parts of the state. Addresses and telephone numbers for local offices are typically listed on the corresponding website. The national hotlines listed here will also connect residents to nearby resources.

Program Name

Contact Information

Services Available

Visit the website for local contacts or call (866) 634-9412

There are 13 ServiceLink locations throughout New Hampshire that can help with aging and disability issues in person or over the phone. Options counselors are trained specifically to help with eligibility and applications for Medicaid and the Choices for Independence program, which may provide coverage for memory care services.

Call the customer helpline of the Department of Health and Human Services at (844) 275-3447

NH EASY is the state's official online portal for information and to apply for Medicaid and various other benefits. Seniors in need of coverage for memory care services can apply for the state Medicaid program online or in person. After eligibility for Medicaid is determined, recipients can call or visit a local DHHS office to ask about Long Term Care coverage.

Call (800) 852-3345, extension 9700

The Medicaid Client Services' toll-free line is available during regular weekday business hours to respond to questions and/or requests for Medicaid services. Staff can help current recipients of Medicaid understand the process of Long Term Care approval. New applicants can get answers over the phone or directions on where to access local assistance with the application.

Does Medicare Cover Memory Care in New Hampshire?

The short answer is that no, Medicare does not cover the cost of memory care in New Hampshire. 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 New Hampshire.

Other Financial Assistance Options for Memory Care in New Hampshire

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.

Reverse Mortgages

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 New Hampshire

State and local governments along with nonprofit organizations help with many aging-related issues by providing direct services or answers and advice. The following resources are free for seniors in need of memory care (typically those aged 60 and older), people with disabilities and anyone acting on their behalf.

Program Name

Contact Information

Services Available

Call the 24/7 helpline at (800) 272-3900 to get connected with regional programs and events

State chapters of the Alzheimer's Association may be particularly useful in the early days, weeks and months of a dementia diagnosis. Support groups and personalized care consultations are available locally and by phone, which gives New Hampshire residents a chance to ask experts for advice on memory care.

Call 2-1-1 or visit the website to search for local services

This helpline is available 24/7 and in multiple languages to provide free, personalized assistance, information and referral services. As a partnership between the state and the nonprofit United Way, the 211 NH helpline is promoted as the number to dial for people who require help but don't know where to find it.

Call (800) 442-5640 or email OLTCO@dhhs.nh.gov

The state LTC Ombudsman program can be a great source of information and assistance for seniors and their families. Ombudsmen can investigate complaints at any of New Hampshire's memory care facilities and help residents understand their rights. They also help families access available local resources.

Call (603) 271-9700 during regular weekday business hours

Depending on income, individuals who are eligible for this program may receive full or partial coverage for their Medicare costs. New Hampshire's Bureau of Family Assistance is responsible for the program and, as such, successful applicants are also screened for coverage through Medicaid and its Long Term Care services.

Call (888) 353-9944 to ask about legal services

New Hampshire Legal Assistance manages this program for residents aged 60 and older who have civil legal issues. The Justice in Aging Project can help seniors denied access to benefits and programs such as Social Security, SSI and Medicaid.

Call the reporting line at (800) 949-0470 or email reports to APSCentralIntake@dhhs.nh.gov

Any known or suspected incidents of abuse, neglect or exploitation involving vulnerable adults can be reported to the Bureau of Elderly and Adult Services via the Adult Protection office. Reports can be made anonymously by phone and email.

COVID-19 Rules for Memory Care in New Hampshire

The following information is based on research done on several government websites, including covid19.nh.gov and cdc.gov. These rules apply to nursing homes and other types of senior living facilities. We’ve most recently updated this data on 4/27/22, 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.

Visitation Policies

Rules for New Hampshire Communities

Are loved ones allowed to visit to provide emotional support?

Yes (Conditions Apply)

Are relatives allowed to visit for end-of-life care?

Yes

Are residents required to quarantine after visiting with a loved one?

No

Are visitors required to wear PPE (including masks) in order to visit residents?

Yes

Are non-medical contractors (such as hairdressers and entertainers) allowed in senior living facilities?

Yes

Are visitors checked for elevated temperatures?

Yes

Are visitors required to answer questions about health, travel, and potential virus contact?

Yes

Outings & Social Activities

Rules for New Hampshire Communities

Are residents allowed to leave (errands, visiting family, etc.) for non-medical reasons?

Yes

Are residents who leave required to quarantine when they return?

No (Conditions Apply)

Are senior living communities required to cancel all group outings?

No

Are residents allowed to eat meals together in a common area?

Yes (Conditions Apply)

Are residents allowed to gather in common areas for group activites?

Yes (Conditions Apply)

COVID-19 Safety Measures for Staff and Residents

Rules for New Hampshire Communities

Are staff members regularly required to do a temperature check?

Yes

Are staff members regularly tested for COVID-19?

Yes (Conditions Apply)

Are staff members members regularly required to do a health and safety screening, including questions about travel, contact with positive cases, etc?

Yes

Are residents regularly screened for COVID-19 symptoms?

Yes

Are residents regularly checked for elevated temperatures?

Yes

Are residents regularly tested for COVID-19?

Yes (Conditions Apply)

Memory Care Laws and Regulations in New Hampshire

In New Hampshire, long-term care facilities are licensed, inspected and regulated by the New Hampshire Department of Health and Human Services, Health Facilities Administration. Two types of facilities can offer residential memory care services in the state: residential care facilities (RCFs) and supported residential health facilities (SRHCFs).

MEMORY CARE LAWS AND REGULATIONS IN NEW HAMPSHIRE
Scope of Care
Residential facilities can admit and retain residents who have a diagnosis of dementia as long as those residents do not require 24/7 skilled nursing care or display behavior that could pose a threat to themselves, staff or other residents in the facility. Residents must also be able to self-evacuate in an emergency.
Care Plan Requirements
All new residents must be assessed by a trained intake assessor using an assessment tool approved by the HFA. Assessments must be reviewed every six months or more frequently if the resident presents with major health or behavioral changes.
Medication Management Requirements
Staff may assist with self-administration of prescription and over-the-counter medications. Staff may also administer topical treatments, enemas and medicinal shampoos under the supervision of a licensed nurse.
Staff Screening Requirements
Administrators must ensure all direct care staff are suitable for employment with vulnerable individuals by verifying references and completing background checks on caregivers.
Staff Training Requirements
Caregivers must complete a comprehensive orientation prior to beginning work at a residential facility and undergo at least 12 hours of annual in-service training thereafter.
Medicaid Coverage
New Hampshire's Choices for Independence waiver includes memory care benefits.
Reporting Abuse
New Hampshire's Adult Protection Law mandates that any concerns regarding the abuse, neglect, self-harm or exploitation of a vulnerable adult must be reported immediately to the Bureau of Elderly and Adult Services at 1-800-949-0470.

Frequently Asked Questions

How much does Memory Care cost in New Hampshire?

The average cost of residential memory care in New Hampshire is $7,566 per month. This amount includes room and board in an assisted living facility or similar long-term care community as well as 24/7 supervision, specialized therapeutic programming and some assistance with activities of daily living.

Does New Hampshire Medicaid pay for Memory Care?

New Hampshire’s Choices for Independence waiver program is a Medicaid home and community-based waiver that includes a broad range of benefits, including residential memory care services.

What security features are present in Memory Care facilities?

Wandering is common among those living with Alzheimer’s disease and other forms of dementia. In order to help keep residents safe, memory care facilities are equipped with special security features to reduce the risk of wandering. These features often include locked exterior doors, enclosed outdoor spaces, security cameras and 24/7 on-site security.

What are “Activities of Daily Living?”

Activities of daily living are daily tasks one needs to perform in order to maintain basic health and personal hygiene. These tasks are often referred to as ADLs and include getting dressed, using the toilet, eating, moving about one’s home and taking prescription medications.

What types of services does Memory Care provide?

Residential memory care provides semiprivate or private accommodations, all meals and snacks and daily therapeutic programming designed to slow the progression of memory loss. Services also include 24/7 supervision, assistance with activities of daily living and basic health monitoring.