Nursing Home Communities in Lexington, KY
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The Cost of Nursing Home Care in Nearby Cities
According to data from the 2020 Genworth Cost of Care Survey, Lexington is one of the more affordable Kentucky cities for nursing home care, with a cost below the state average of $7,330 and far lower than the national average of $7,756. Fees in Bowling Green in the southern part of the state are much higher, at $8,273 per month. Heading west, fees in Elizabethtown and Owensboro are also above average at $7,604 and $7,787, respectively. Louisville is the most affordable city for nursing home care in Kentucky, with average fees of $7,148 per month.
Lexington
$7,178
Kentucky
$7,330
The United States
$7,756
Bowling Green
$8,273
Elizabethtown
$7,604
Louisville
$7,148
Owensboro
$7,787
Nursing Home Costs in Lexington, KY
The average monthly cost of a semiprivate room in a Lexington nursing home is $7,178. Private rooms are slightly more expensive at $8,958.
Financial Assistance for Nursing Home Care in Lexington, KY
Many seniors and their families use some form of financial assistance to help them pay for nursing care. The main options available are Medicare, Medicaid, and veterans benefits. These programs can be complicated, especially when it comes to benefit terms. Below, we give a brief overview of how these programs may be used towards paying for skilled nursing care.
- Medicare: Medicare will typically cover all skilled nursing costs for the first 20 days of one’s stay in a nursing home and a portion of the costs until day 100. After 100 days in a skilled nursing facility, Medicare will not cover any part of the cost of the stay. While this is adequate when short-term care is needed, those in need of long-term care will need to either pay out-of-pocket or use another source of financial assistance.
- Medicaid: Medicaid covers most of the costs of living in a skilled nursing facility for those who qualify. Care, room, and board are covered with no time limit, but residents may be charged for extras like specially prepared food or cosmetic services. Medicaid eligibility standards are strict and complex, so not all seniors are eligible for Medicaid benefits.
- Veterans Benefits: Veterans receiving a VA pension may also be eligible for the Aid and Attendance benefit administered by the VA. Aid and Attendance is a monthly allowance that beneficiaries may use to pay for their long-term care, including skilled nursing care.
If these options aren’t available to you, check if your loved one has long-term care insurance or contact your Area Agency on Aging to ask about any local financial assistance programs for seniors.
The Cost of Other Types of Senior Care
Semiprivate ($7,178) and private ($8,958) nursing home care are the most expensive senior care options in Lexington due to the skilled services provided. In-home care services are much less costly at $4,385 per month. Assisted living, where seniors live in a residential setting and receive meals and help with activities of daily living, costs $4,400 per month. The most affordable option is adult day health care at $1,768 per month. This service is aimed at more mobile seniors who receive support in a group setting during daytime hours.
Home care
$4,385
Home health care
$4,385
Adult day health care
$1,768
Assisted living
$4,400
Nursing home (semiprivate room)
$7,178
Nursing home (private room)
$8,958
Free Resources for Seniors in Lexington, KY
Seniors living in Lexington may be able to take advantage of the following resources. These agencies and organizations can help seniors cover the cost of nursing home care, or allow them to remain in their own homes for longer while still receiving the support they need.
| Resource | Contact | Service |
|---|---|---|
| Bluegrass Area Agency on Aging | (859) 266-1116 | The Bluegrass Area Agency on Aging supports seniors in Lexington and the surrounding area. It assists with both independent living and transitioning into long-term care, delivering services to help seniors make decisions about their future, referring them to other providers and managing programs such as senior centers, transportation, health promotion and congregate nutrition. |
| Meals on Wheels Lexington | (859) 276-5391 | Meals on Wheels Lexington is a nonprofit that delivers nutritious hot meals to seniors throughout the week. The program is open to homebound seniors who are unable to shop and cook for themselves. Volunteer drivers deliver the meals and provide valuable social contact and regular welfare checks for those who are signed up for the service. |
| SHIP Counseling | (877) 293-7447 | SHIP counselors working with the local AAA can provide advice to seniors about Medicare and other health insurance options, including Medicare Advantage, Medigap and prescription drug plans. Counselors offer unbiased, one-on-one assistance, either by phone or in person. |
| ITN Bluegrass | (859) 252-8665 | ITN Bluegrass offers transportation services for Lexington area seniors, helping them attend medical appointments, run errands or get to social events. Rides are provided by volunteer drivers and there’s a nominal fee for membership and to cover driver expenses. Ride scholarships are available for those on a low income. |


