Vermont is a beautiful place to spend the retirement years. In fact, of the 645,000+ residents living here, an estimated 20% consist of seniors aged 65 and above. Unfortunately, 13% of the seniors living in Vermont were diagnosed with Alzheimer’s disease, and that number could grow to 17,000 by 2025, an estimated 30.8% increase from 2020. Additionally, in 2020, the number of seniors who died from dementia was 7.6% higher than expected.

Despite Vermont’s higher tax rates on most forms of retirement income and high property taxes (ranging from 3.35% to 8.75%), the cost of living remains below the national median. Overall, seniors living in Vermont can expect to spend 4.8% less on day-to-day expenses, which includes a notable 11.5% decrease in the cost of housing in Vermont compared to the U.S. average. Healthcare is about 7% more than in the average American city, and residential memory care costs are an average of $6,563 per month.

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 provides detailed information about the cost of memory care and other long-term care services in Vermont. It also offers information about financing options, state regulations and other resources that could help seniors living with Alzheimer’s disease or other forms of dementia.

The Cost of Memory Care in Vermont

Note: In most cases, memory care is provided in assisted living facilities at rates that are 20-30% above standard assisted living care. While there’s no national database to track memory care costs in the U.S., the Genworth Cost of Care Survey tracks the cost for assisted living on an annual basis. We used the assisted living rates provided by Genworth for 2021 and added 25% to estimate those charged for memory care.

The cost of memory care in Vermont remains on the lower end when compared with other surrounding states. While New York ($5,725) is less expensive, seniors in New Hampshire ($7,566) and Massachusetts ($8,125) can expect to pay more for memory care.

$6563

Vermont

$5625

The United States

$5725

New York

$7566

New Hampshire

$8125

Massachusetts

While memory care costs in Burlington are more expensive than in other cities neighboring Vermont at $7,964 per month, seniors in Manchester, New Hampshire ($10,076) should expect to pay considerably more. To the west of Vermont, memory care costs considerably less at $5,313 per month in Glens Falls, New York and $5,270 in Albany, New York. Meanwhile, to the east in Pittsfield, Massachusetts, seniors currently pay $2,065 per month.

$7964

Burlington

$5313

Glens Falls, New York

$5270

Albany, New York

$10076

Machester, New Hampshire

$2065

Pittsfield, Massachusetts

Seniors who don’t require memory support should also consider opting for other types of long-term care, many of which are more affordable than memory care. Adult Day Health Care is the least expensive option, averaging at $3,224 per month, while assisted living provides a slightly lower level of residential care and costs $5,250 per month. Those who continue to live in their own homes can pay $5,720 per month for home care or home health care. Otherwise, those who need 24-hour medically-focused care may require a nursing home, which costs an average of $10,585 per month for a semiprivate room or $11,102 for a private room.

$3224

Adult Day Health Care

$5250

Assisted Living

$5720

Home Care

$5720

Home Health Care

$6563

Memory Care

$10585

Nursing Home (semiprivate)

$11102

Nursing Home (private)

Does Medicaid Cover Memory Care in Vermont?

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 Vermont.

Although Medicaid doesn’t directly cover room-and-board in assisted living or memory care facilities in Vermont, some Medicaid programs can provide coverage for the services seniors receive while living in residential care.

Choices for Care

Choices for Care is a Medicaid program for seniors who require long-term care. Those in assisted living and memory care facilities, as well as those who reside at home or in nursing care facilities have access to it.

Eligibility

To qualify, seniors must be 65 or older, Vermont residents and require a nursing level of care. Additionally, applicants must be financially eligible for Medicaid.

How To Apply

Applications for this program are processed online. Alternatively, seniors can apply via mail or by faxing their application to (802) 241-0514.

Enhanced Residential Care

Enhanced Residential Care (ERC) is a bundled package of services that Medicaid covers for those who live in residential care homes or assisted living residences. Services covered depend on the beneficiary’s needs but can include: 

  • Personal care
  • Nursing overviews
  • Medication management
  • Recreation and social activities
  • Household services and laundry
  • 24-hour supervision
  • Case management and documentation

Eligibility

This program is only open to active beneficiaries in the Choices for Care program.

How to Apply

Seniors’ long-term care facilities can process ERC applications on their behalf.

Assistive Community Care Services

Assistive Community Care Services (ACCS) helps those living in residential care homes or assisted living residences access on-site therapies, personal care and case management services. 

Eligibility

This program is only available to those living in Vermont who are aged 65 or older. Beneficiaries must qualify for both Medicaid and Social Security Income first.

How to Apply

Applications are processed through Vermont’s Area Agencies on Aging.

Does Medicare Cover Memory Care in Vermont?

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

Other Financial Assistance Options for Memory Care in Vermont

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 Vermont

The resources listed in the table below exist to help seniors in Vermont access the supportive services and benefits they need to enjoy the highest possible quality of life. While some resources are focused on health and long-term care, others provide seniors with necessities such as food and transportation, enabling them to enjoy a rich and full life, even with memory loss conditions.

Program 

Contact

Services Provided

1-800-642-5119

Area Agencies on Aging are located throughout Vermont and provide seniors with many supportive services, including medical transportation, health insurance counseling, advocacy and housing search support. Agencies also help seniors connect with government programs that may help pay for care, as well as other local resources as needed.

Contact via website

Vermont's Rx Card helps seniors and other Vermont residents save on necessary prescription medications. Using their Rx card, seniors can save as much as 80% on medications at participating pharmacies throughout the state.

1-800-889-2047

Vermont's Long-Term Care Ombudsman Project supports the dignity and independence of seniors who live in long-term care residences. It accepts complaints regarding care, and is authorized to mediate complaints and develop positive outcomes.

(802) 316-3839

The Alzheimer's Association helps seniors living with dementia to access support groups, medical help and other resources specific to those living with the disease. It also provides caregiver training and helps those who need it to schedule respite care.

The Vermont Public Transit Association helps seniors aged 60 and older access transportation to and from medical appointments, adult day care and personal appointments at no cost.

COVID-19 Rules for Memory Care in Vermont

The following information is based on research done on several government websites, including healthvermont.gov/covid-19. These rules apply to nursing homes and other types of senior living facilities. We’ve most recently updated this data on 2/15/2022, 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 Vermont 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 Vermont 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 Vermont 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 Vermont

Through the Department of Disabilities, Aging and Independent Living, the State of Vermont has specific licensing regulations for assisted living residences (ALRs) and residential care homes (RCHs). These facilities include those with designated memory care units, as well as those that are exclusively for memory care. For assisted living facilities, Vermont’s ALR regulations must be used in conjunction with the RCH regulations.

Memory Care Laws and Regulations in Vermont

Scope of Care

ALR’s uniform consumer disclosure shall describe all its service packages, tiers and rates. It must also include a statement that rates are subject to change due to changing care needs and other situations that should be described. This disclosure shall be available to the public upon request and noted of its availability in the facility’s marketing and other written materials.

Care Plans

An ALR or RCF must coordinate with the resident and/or the client’s legal representative in developing a care plan based on the resident’s assessment. Using an assessment instrument provided by the licensing agency, assessments must be done within 14 days after a resident’s admission and submitted to the agency annually or as requested. Care plan reviews must be done at least annually and whenever necessary due to a resident’s changes in condition or circumstances.

Medication Management

The administration of specific medications must be delegated by a registered nurse to designated staff for designated residents. The registered nurse is responsible for teaching unlicensed staff with proper medication administration techniques and the medication’s potential side effects with respect to the resident’s condition. Non-RN staff members can only perform insulin injections if they have received additional training and upon delegation by a registered nurse.

Staffing

For RCH or ALR with more than 15 residents, there must be at least one awake staff member on duty at all times. The licensing agency may require a specific staffing level to meet the residents’ needs. Facilities with special care units such as those for memory care shall provide specialized training to staff members who have direct care responsibilities for residents with Alzheimer’s or dementia.

Medicaid Coverage

While Vermont’s Medicaid programs do not cover room and board costs, residents who are ERC and/or ACCS recipients benefit from subsidized supportive services provided by participating ALRs and RCHs. These participating facilities include those with memory care units that have either or both ERC and ACCS certifications.

Reporting Abuse

Any ALR or RCH staff member can report any case of suspected abuse, neglect or exploitation to the Adult Protective Services (APS) unit of DAIL. APS reports should be made within 48 hours of learning the alleged incident. This may be done online or by calling 1-800-564-1612 toll-free.

Frequently Asked Questions

How much does memory care cost in Vermont?

Vermont’s monthly average memory care cost is $6,673. Although memory care facilities usually charge 20 to 30% more than standard assisted living facilities, memory care in Vermont is estimated to be 60% more affordable than nursing home care.

Does Green Mountain Care pay for memory care?

Yes. Applicable Medicaid programs include the Enhanced Residential Care (ERC) option under the Choices for Care waiver and the Medicaid State Plan’s Assistive Community Care Services (ACCS). Eligible seniors may qualify for either or both programs and must be residents of participating ERC and/or ACCS providers.

Does Medicare pay for memory care?

Medicare does not cover memory care or assisted living costs, but it pays for the costs of care planning and cognitive assessments for individuals diagnosed with dementia, as well as hospice care provided in long-term care facilities.

What types of facilities offer memory care?

There are assisted living and residential care facilities that are exclusively for memory care, as well as those that have special care units designated as memory care neighborhoods. Nursing homes and continuing care retirement communities can also have dedicated memory care units.

What security features are present in memory care facilities?

For the residents’ safety, memory care facilities should have 24-hour monitoring and alert systems, enhanced access controls and individual emergency call systems.

Memory Care Facilities in Vermont (1)