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Nursing Homes in Illinois

With several top-ranked hospitals for seniors, including Northwestern Memorial Hospital, which U.S. News and World Report ranks sixth in the nation, Illinois has a number of excellent options for older adults who are looking for a place to retire. Of the 12,830,632 people who live in Illinois, 16.1% are seniors aged 65 and older.

The Medicaid and CHIP program in Illinois is quite robust, and the state recently expanded its coverage for lower-income adults to cover more seniors. As of July 2020, Illinois had 3,018,195 individuals enrolled in Medicaid and CHIP. Illinois has approximately 1,200 long-term care facilities serving over 100,000 residents, many of whom are seniors. Nursing homes are long-term care facilities that provide seniors with round-the-clock nursing care when their medical needs require constant attention. According to the 2020 Genworth Cost of Care Survey, seniors in Illinois pay an average of $6,235 a month for nursing home care in a semi-private room and $7,026 for a private room.

This guide will present important information about paying for nursing home care, how to protect a senior’s rights in a nursing home and what resources are available to seniors in Illinois who need long-term care.

The Cost of Nursing Home Care in Illinois

The cost of nursing home care in a semiprivate room in Illinois is $6,235, according to the 2020 Genworth Cost of Care Survey. In Wisconsin to the north, seniors pay an average of $8,684 a month for the same type of room. Indiana, its neighbor to the east, has an average cost of $7,133. To the southeast in Kentucky, the average is $7,330. Iowa has a closer cost with an average of $6,570. Missouri is the only neighboring state with a lower cost, averaging $5,080. All of these except for Wisconsin are lower than the national average of $7,756.

Within the state of Illinois, which has a statewide average cost for nursing home care of $6,235, costs can vary from one city to the next. In Chicago, the state’s largest metro area, seniors pay an average of $8,076, yet in Rockford near the Wisconsin border, they pay just $5,825. Champaign shares a similar cost at $5,901. Decatur seniors pay an average of $6,388, while those in the southern part of the state in Carbondale pay $5,232. In the state capital of Springfield, seniors pay $6,996 a month for nursing home care. In the Danville area on the east side of the state, the cost is slightly less at $6,874.

















While a semiprivate room costs an average of $6,235 and private rooms cost an average of $7,026 in Illinois, seniors who do not need round-the-clock nursing care may choose another care type. For assisted living care in Illinois, the average monthly cost is $4,575. Seniors who live at home but need some basic home care pay $4,767 a month on average. For the services of a home health care professional, seniors should expect to pay around $4,862. Seniors who go to an adult day care facility pay around $1,636.

Nursing Home Semi-Private Room


Nursing Home Private Room


Assisted Living


Home Care


Home Health Care


Adult Day Care


Does Medicaid Cover Nursing Home Care in Illinois?

There are over 3,364,500 residents in Illinois enrolled in Medicaid. The state’s Medicaid program covers the cost of skilled nursing care and pharmaceutical services, along with specialized rehabilitation therapies and dietary services. Beneficiaries are also covered for emergency dental care and any medically-related social services.

In Illinois, there are over 700 nursing homes located throughout the state and all of them accept Medicaid. Nursing homes provide higher levels of care than other residential facilities, such as assisted living, including 24-hour medical supervision by a dedicated nursing staff. However, there are other programs that work alongside Medicaid, such as the HealthChoiceIllinois HCBS Waiver, that allows seniors to receive skilled nursing-level care in the setting of their choice, delaying nursing home placement.

Medicaid Eligibility in Illinois

The Department of Human Services’s Family Community Resource Center (FCRC) handles applications for both Medicaid and Medicaid HCBS Waivers. Individuals can find a local FCRC office using their website. Medicaid applications can take up to three months to process and can take even longer if the applicant is denied and has to reapply. For this reason, it is important for individuals to determine their eligibility before applying.

Income limits for both single applicants and couples with one person applying are $1,215 per month with asset limits of $17,500 for the applicant and $120,780 for the non-applicant. 

2022 Basic Medicaid Income Limits for Seniors in Illinois

Household SizeNumber of ApplicantsIncome Limits Per Year*Asset Limits: Applicant(s)Asset Limits: Non-Applicants
One Person1$14,580$17,500
Two Person1$14,580**$17,500$148,680
Two Person2$19,716$17,500

*All monthly income except for a $30/mo. personal needs allowance and Medicare premiums must be paid to the facility as a share of cost. There may also be a monthly needs allowance for a non-applicant spouse, .

**Income limit is for applicant only.

In addition to financial eligibility, families and seniors must meet other requirements to qualify for Medicaid and affiliated programs, such as proof of residency. Other qualifying factors include:

  • Military discharge documentation, if applicable
  • Citizenship papers, such as birth certificates or green cards
  • Proof of Medicare coverage

How to Apply for Medicaid in Illinois

To apply for Medicaid, families and seniors can use Illinois’s Application for Benefits Eligibility (ABE) to apply online, or they can call the ABE Customer Care Center at (800) 843-6154. If individuals prefer to apply in person, they can use the locator tool to find the nearest office of the Illinois Department of Human Services. In addition to providing an online eligibility screening tool, the website also allows users to apply for additional benefits, such as SNAP benefits and the Medicare Savings Program (MSP). To prepare for the application process, loved ones and seniors will need to gather pertinent information to successfully complete their applications.

Information You Will Need:


  • Proof of age, such as a birth certificate
  • Proof of citizenship, if born outside the United States
  • Social Security card
  • Medicare cards
  • Bank statements from up to the last 60 days from the application date
  • Proof of earned and unearned incomes, including Social Security income
  • Copy of insurance insurance policies
  • VA discharge papers (DD 214), for veteran applicants
  • Pre-need burial contracts
  • Records of any real property that has been sold or transferred in the previous 60 months. 
  • Any other documentation that can prove their need for Medicaid coverage

Additional Medicaid Support & Resources in Illinois

While Medicaid can cover the cost of some medical care, there are resources that can help cover some of what Medicaid does not. The short list of resources below can help families and seniors navigate through application processes and help determine their eligibility, which can provide peace of mind while waiting to be approved for benefits.

Medicaid Planning AssistanceOnline OnlyProvided by the National Council on Aging, loved ones and seniors can use the website to determine their eligibility for Medicaid. Dedicated to helping caregivers and seniors better understand Medicaid and HCBS Waivers, the website offers in-depth guides regarding the application process and the basics of Medicaid, as well as the advantages and disadvantages of public and private Medicaid Planners. is the official website to find government benefits in the United States. The website is designed to be a one-stop shop for senior-friendly resources that can assist with the cost of living and medical needs. Using the Benefit Screening Tool (BEST), loved ones and seniors can determine their eligibility for benefits before applying. The website is also partnered with, which offers benefits for those who have been affected by a natural disaster.
Illinois Care Planning CouncilOnline OnlyAlong with a full list of nursing homes throughout the state, Illinois Care Planning Council provides information about local Agencies on Aging and local providers that can be searched by category, such as financial consultations and caregiving management. The website also publishes articles featuring topics, ranging from saving money to long-term planning advice, that are provided by the National Care Planning Council.

Does Medicare Cover Nursing Home Care in Illinois?

Medicare provides limited coverage for short-term stays in a skilled nursing facility following a hospital stay, but seniors must meet a number of specific requirements. This benefit is available to beneficiaries who have been hospitalized for at least three days, excluding the date of discharge, so it’s most valuable for those who are recovering from an injury, illness or surgery.

Once seniors meet the hospitalization requirement, Medicare will pay for up to 100 days of skilled nursing per benefit period. The first 20 days are covered in full. Starting on day 21, beneficiaries must pay a daily coinsurance rate. After day 100, seniors are responsible for the entire cost.

What Does Medicare Cover?

Medicare covers a number of specific services, including:


  • Meals
  • A semiprivate room
  • Medications
  • Skilled nursing
  • Physical therapy
  • Occupational therapy
  • Speech therapy
  • Audiologist care
  • Medical supplies
  • Medical social services
  • Nutritional counseling
  • Ambulance transportation


What Isn’t Covered by Medicare?

Medicare does not cover long-term custodial care that addresses seniors’ day-to-day needs. This includes help with daily activities, such as bathing, dressing and using medical equipment.

For more information about Medicare and when it covers Nursing Home Care, read our Guide to Nursing Homes.

Medicare Support & Resources in Illinois

Loved ones who are looking for Medicare resources to assist with the cost of nursing home care may benefit from the services listed below. These resources can help families better understand health care coverage and other benefits that work with Medicare to further cover medical costs.

Illinois Department on Aging Good Start Medicare(800) 252-8966Designed for individuals who are approaching the eligible age for Medicare, the Good Start Medicare Program promotes self-education, along with assisting seniors and their families determine their health care eligibility options. Exploring their options beforehand can help families and seniors anticipate any care costs that may not be covered by Medicare and avoid problematic situations, such as missing annual enrollment deadlines.
The Illinois State Senior Health Insurance Program (SHIP)(800) 252-8966For seniors over the age of 65 or for those who need assistance maintaining their Medicare benefits, SHIP counselors are specially trained to educate beneficiaries and determine their eligibility for financial assistance that can cover the cost of prescription medications and other out-of-pocket expenses. Counselors can also help with filing a claim and appealing claim denials. 767-2237In addition to providing information about the basic Parts of Medicare, the website includes search tools to find Medicare-registered care providers and medical equipment suppliers. Users can create an account to manage their Medicare benefits, in addition to viewing enrollment status and past claims. Additional resources include how to avoid Medicare fraud and free Medicare-related publications. 794-6559Benefits CheckUp is a free library of statewide and local resources ranging from financial assistance to legal services. Available in English and Spanish, the website allows users to search by category or by zip code. Loved ones can also find resources that can assist with planning for the future.

Other Financial Assistance Options for Nursing Home Care in Illinois

While Medicaid and Medicare are two of the most common programs used to pay for Nursing Home Care, there are other financial assistance options available, depending on your unique situation.

ResourceHow to ApplyHow It Works
Aid and AttendanceLearn more and apply online at 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 skilled nursing care.
Reverse MortgagesLearn more about your options and how to apply at ftc.govIf you own a home, you may be able to use a reverse mortgage to help pay for nursing 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) InsuranceLearn more about Long-Term Care Insurance and how to apply for a policy at who already have long-term care insurance may be able to use it to pay for skilled nursing 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 skilled nursing care will not typically be eligible to sign up for a LTC insurance policy.

Free and Low-Cost Resources for Seniors in Illinois

There are many resources in Illinois that assist seniors in their retirement. has compiled information on local organizations, programs and agencies and categorized them into care types for easy reference.

Area Agency On Aging

Retirees can find support and advice on various senior-related issues from their local Area Agency on Aging. The agency provides advice on topics such as financial assistance programs, in-home care and long-term care planning. It also connects seniors and caregivers with community-based resources.

Program NamePhone NumberDescription
Illinois Area Agencies on AgingIllinois' Area Agencies on Aging provide vital services and support for older adults and their caregivers. They offer a range of programs that promote independent living, health and overall well-being. AAAs assess needs, help develop care plans and connect seniors with services such as transportation, meal programs and in-home assistance. They also provide counseling on Medicare, Medicaid and other benefits. These agencies advocate for seniors and ensure they have access to the resources they need to age with dignity.

Cash Assistance Program

Cash assistance programs in Illinois provide financial support to help low-income retirees remain in their own homes for as long as possible. Seniors and caregivers can apply for tax rebates and reductions, discounts on vital services and help covering the cost of heating and cooling their home

Program NamePhone NumberDescription
Illinois Lifeline Program800-234-9473The LifeLine Program offers a discount on landline or mobile telephone service, ensuring that participants can stay in contact with loved ones.

Financial Assistance for Senior Care and Senior Living

Whether living in their own home or in a senior living community, Illinois seniors can find financial assistance from numerous local resources. These organizations help residents cover some of the costs associated with in-home or long-term care and connect them with other helpful community-based resources.

Program NamePhone NumberDescription
Illinois HCBS Waiver for the ElderlyThe Waiver for the Elderly is a Home and Community-Based (HCBS) program that helps seniors who require a nursing level of care to access services and support in their own homes, thus helping them avoid institutionalization. The program pays for homemaker services and adult day care, as well as devices such as automated medication dispensers and personal emergency response systems.

Food Assistance Programs

Local organizations help ensure elderly citizens have a balanced diet and receive essential vitamins and minerals to remain healthy. Through nutrition programs, congregate meals, home-delivered meals and food pantries, these programs help Illinois seniors afford the nutritious food they need.

Program NamePhone NumberDescription
Illinois Meals on WheelsThe Illinois Meals on Wheels Program provides nutritional dishes and safety checks for homebound seniors and others with a disability or mobility issue that makes it challenging to shop for food and prepare fresh, healthy meals. Participants pay based on income anywhere between free to full price. Illinois seniors who use Meals on Wheels receive regular weekday visits from volunteers who deliver meals. The program also serves meals at community gathering places for those with transportation.
Illinois Supplemental Nutrition Assistance Program (SNAP)800-843-6154The Illinois Supplemental Nutrition Assistance Program, formerly known as food stamps, helps eligible seniors 60 and older and low-income families obtain healthy food. Seniors must be Illinois residents and meet income guidelines to be eligible. Benefits are provided on the electronic Illinois Link Card. The card can be used at grocery stores statewide for most food products, plus seeds and plants for home gardens. They can't be used for liquor, beer, wine or tobacco.

Financial Assistance for Senior Living

Low-income elderly individuals in senior living communities can access financial assistance through local-run programs. These Illinois resources offer advice, guidance and support to help older adults pay for the services offered by long-term care providers.

Program NamePhone NumberDescription
Illinois Supportive Living Facilities WaiverSeniors who receive Medicaid coverage can take part in the Supportive Living Facilities waiver, which provides personal care services for those living independently in their own communities. The program is self-directed and ensures that participants have the opportunity to customize the program to suit their needs.

Free Used Medical Equipment

Due to the high cost of purchasing new medical equipment, several organizations in Illinois collect lightly used medical devices such as wheelchairs, ramps and walkers and distribute them to local seniors and residents in need.

Program NamePhone NumberDescription
Illinois Assistive Technology Program800-852-5110Illinois Assistive Technology Program offers equipment loans, funding for new equipment and training for assistive technology such as general household accessibility aids, handheld and desktop video magnifiers, TV amplifiers and vehicle modification tools.
Illinois Devices 4 the Disabled773-870-1553Devices 4 the Disabled collects donated equipment and redistributes it to those who need it. Available supplies typically include wheelchairs, hospital beds and walkers.
Illinois Hospital Sisters Mission Outreach217-525-8843Hospital Sisters Mission Outreach distributes medical supplies and equipment to low-income seniors and disabled persons throughout the globe; however, personal delivery is available to those living across the Midwest United States.
Illinois St. John's Community Care618-344-5008St. John's Community Care hosts a free lending program at its Collinsville location. This program makes supplies such as walkers, wheelchairs, canes and bath chairs available to anyone who needs it.
Illinois Village of Schaumburg Medical Equipment Loans847-895-4500The Village of Schaumburg offers its residents loans of medical equipment for up to 90 days, provided they can make a small security deposit. Available equipment includes canes, bedside tables, bathtub seats and rails, and wheelchairs.

Home Repair and Modifications

Seniors and those with disabilities can access a variety of local resources to help them pay for home repairs and modifications. Programs in Illinois have different eligibility criteria and often assist retirees by providing grants or loans.

Program NamePhone NumberDescription
Illinois Home Weatherization Assistance Program (IHWAP)217-785-2533Through this program, older adults can apply for assistance with upgrades to their homes that make them more weather-resistant. These include air sealing, insulation, HVAC repair or replacement, water heater repair or replacement and ventilation services.
Illinois Section 504 Home Repair Program800-225-5342The Section 504 Home Repair Program offers funding to very low-income seniors who live in rural areas throughout the United States. Funds may be used to remove health hazards from the home or make necessary home modifications. More information about eligible housing can be found online at the United States Department of Agriculture Eligibility website.

Many organizations offer free or low-cost legal services to Illinois seniors. Older adults can access advice on issues such as estate planning, living wills and power of attorney. Some firms also act as long-term care ombudsmen, advocating for the rights of seniors in senior living communities.

Program NamePhone NumberDescription
Illinois Adult Protective Services866-800-1409Illinois Adult Protective Services coordinates with 40 provider agencies through the state to investigate any claims of abuse and neglect of seniors or disabled individuals. This program looks into instances of abuse and neglect that are outside of the boundaries of the Long-Term Care Ombudsman. If someone suspects abuse, exploitation or neglect of a senior, they can call the number 24-hours a day to get immediate help.
Illinois Long-Term Care Ombudsman ProgramThe Illinois Long-Term Care Ombudsman Program connects seniors living in assisted living and other long-term care facilities with advocates that will ensure they are receiving a high level of care. Representatives from the Ombudsman Program will help seniors and their families resolve issues or look into accusations of abuse and neglect with long-term care facilities. This program is free to any resident who needs it.

Senior Engagement

Senior engagement resources and programs in Illinois help older adults remain active and ensure they contribute to the community. Resources include wellness programs, volunteer opportunities, support groups and organizations that help residents connect with the community to live fulfilling lives.

Program NamePhone NumberDescription
Alzheimer's Association Illinois Chapter847-933-2413The 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.
Illinois Rush Alzheimer's Disease Center312-942-7100The 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.
Illinois SAGE LGBT Elder Hotline877-360-5428LGBTQ 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.
Illinois Senior Helpline800-252-8966The 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.

Social Security Offices

Social Security offices in Illinois help seniors and disabled people access the benefits they're entitled to. Older adults can contact their local office for information about receiving retirement benefits, disability allowance and Supplemental Security Income.

Program NamePhone NumberDescription
Illinois Social SecuritySocial Security is a source of income available to retirees and people who can no longer work because of a disability. The money for Social Security comes from a payroll tax levied on employers, employees and self-employed individuals. When you retire, you'll receive monthly payments based on how much you earned when you were working.

Tax Assistance

Seniors can apply for tax assistance from several Illinois resources. Elderly residents and those with disabilities could be eligible for tax exemptions on medical expenses, reductions on property tax and other tax assistance programs.

Program NamePhone NumberDescription
Illinois Property Tax ReliefThe state of Illinois offers a variety of tax exemptions and exceptions for seniors, persons with disabilities and Veterans. The eligibility requirements for these exemptions vary but for seniors, most require applicants to be at least 65 years old and considered a low-to-moderate-income household.

Utility & Energy Bill Assistance

Low-income seniors who are struggling to meet the costs of maintaining their homes can find support from organizations that offer assistance with utility and energy bills. Illinois retirees could also qualify for emergency funding programs if they're in danger of losing utility services due to unpaid invoices.

Program NamePhone NumberDescription
Illinois Department of Commerce & Economic Opportunity833-711-0374Illinois Department of Commerce & Economic Opportunity

Veteran's Services

Illinois retirees who have served in the U.S. military can find support from local veteran services. These offices and organizations help vets access the benefits they're eligible for and provide advice and information on a variety of issues.

Program NamePhone NumberDescription
Illinois Department of Veterans' Affairs800-437-9824Throughout the state, Veterans Administration centers connect veterans and their spouses to the senior care and residential options they qualify for, as well as other benefits earned through military service. There are several VA centers located throughout Illinois.
Illinois VA Benefits and Health CareIllinois VA Benefits and Health Care

Nursing Home Laws and Regulations in Illinois

Licensing RequirementsAll long-term care facilities in Illinois are licensed through the Department of Public Health. Licenses are issued for two-year periods. Nursing homes must apply for licensure for all levels of care they choose to offer.
Staffing RequirementsAn Illinois nursing home must have enough staff to give each resident at least 3.8 hours of skilled nursing care. A minimum of 25% of that time must come from licensed nurses, with 10% of the licensed nurse time coming from a registered nurse. Staffing ratios must be high enough to meet these time requirements.
Staff Training RequirementsNursing home administrators must be licensed under the Nursing Home Administrators Licensing and Disciplinary act.Nurse Aides must be approved by the Department of Health’s Nurse Aide Registry, and they must also begin a Basic Nurse Assistant Training Program within 45 days of starting their jobs.Resident attendants must complete training programs that include feeding, hydration, personal hygiene, safety and resident rights units.
Admission RestrictionsA resident cannot be admitted to a facility if it is not able to meet their physical, mental or psychological needs at the facility or with the help of a qualified outside resource.
Care Planning RequirementsEvery resident must have a personal care plan. These plans are made with the input of the resident or the resident's caretaker. The plan must contain measurable objectives and timetables and address the resident's physical, mental, and psychological well-being.
Dietary and Nutritional Services RequirementsAll long-term care facilities must have a full-time Director of Food Services who is either a dietitian or a dietetic service supervisor. If a dietitian is not on staff, the Director of Food Services must consult with one. Meals must follow the recommended dietary allowances of the Food and Nutrition Board of the National Research Council. Residents cannot go more than 14 hours without a meal being provided, and nourishing bedtime snacks are required. Menus must be planned at least one week in advance, be made available in the kitchen and be different throughout the week.
Specialized Rehabilitative ServicesThough nursing homes are not required to provide specialized rehabilitative services on-site, they are required to ensure residents receive these services if required by a physician, even if that means taking them off-site. These services must be provided or supervised by a qualified professional in the rehabilitative field.
Medication and Pharmaceutical ServicesIllinois nursing homes must work with a pharmacist and physician to create medication delivery protocols. Medications can only be administered by those who are licensed to do so, such as physicians, pharmacists, and licensed practical nurses with at least one pharmacology course and one year’s full-time supervised experience. The same person who prepares a dose must administer it.
Activities RequirementsNursing homes in Illinois are required to provide ongoing activities programs to meet the psychosocial, mental and physical needs of each resident. The nursing home must have activity personnel, who must spend at least 45 minutes a week on activities planning and implementation per resident in the facility.
Infection Control RequirementsSNFs in Illinois must place residents suspected of communicable or contagious or infectious diseases in isolation. If the facility cannot control the spread of an infection, they must discharge the resident who has the illness. Illnesses must be reported to the local health department.
Medicaid CoverageIllinois Medicaid is known as Aid to Aged Blind and Disabled Medical. AABD Medical covers seniors who are at or below the federal poverty level and have less than $2,000 in non-exempt resources. Qualified seniors can get help paying for long-term care with AABD Medical.

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