Saginaw is the seat of Saginaw County, Michigan, a region notable for its natural beauty, affordable living costs and health care infrastructure. These factors have helped make Saginaw an attractive retirement destination. Of the city’s roughly 48,000 residents, 13% are seniors at least 65 years of age. Regarding medical care, Saginaw is the home of the Covenant HealthCare system, which offers a myriad of specialty services. Seniors can also find care at Ascension St. Mary’s Hospital where departments focus on emergency care, stroke recovery and neurology, among other areas.

In Saginaw, the average semiprivate room in a nursing home costs $8,441 each month per the Genworth 2020 Cost of Care Survey. The national average is $7,756, so Saginaw is more expensive by comparison. Regardless of location, nursing homes tend to be more expensive than other care options owing to services like 24/7 medical oversight and rehabilitative therapy. Home health care or assisted living may be more affordable options to consider for seniors who don’t need advanced care.

This guide details what seniors pay for nursing home accommodations in Saginaw. It also lists several resources that seniors can use while navigating the aging process.

Directory of Nursing Homes in Saginaw, MI

Wellspring Senior Living Campus – Saginaw

2825 Wieneke Road, Saginaw, MI, 48603

Saginaw Senior Living Campus is an independent living, assisted living and respite care facility west of Saginaw, Michigan, near the neighborhood of Saginaw Township North. The community is convenient … (read more)
Saginaw Senior Living Campus is an independent living, assisted living and respite care facility west of Saginaw, Michigan, near the neighborhood of Saginaw Township North. The community is convenient … (read more)

Healthsource Saginaw

3340 HOSPITAL RD, Saginaw, MI, 48608

My mother is in Healthsource-Saginaw, and that’s where she is going to be until the end of her life. She has been there since the end of January. We liked it because the staff is friendly. It’s a nice … (read more)
My mother is in Healthsource-Saginaw, and that’s where she is going to be until the end of her life. She has been there since the end of January. We liked it because the staff is friendly. It’s a nice … (read more)

Samaritas Senior Living of Saginaw

3200 State S, Saginaw, MI, 48602

Mom is at Luther Manor. They have friendly people, and Mom seems to be getting good care. I like that they are keeping me updated on how she is doing. We haven’t had any problems. The facility is ve … (read more)
Mom is at Luther Manor. They have friendly people, and Mom seems to be getting good care. I like that they are keeping me updated on how she is doing. We haven’t had any problems. The facility is ve … (read more)

Hoyt Nursing & Rehab Centre

1202 WEISS ST, Saginaw, MI, 48602

My mom was at Hoyt Nursing & Rehab Centre. They were much more attentive to her needs than the other facility. They were very compassionate and friendly. I was able to call and actually make an ap … (read more)
My mom was at Hoyt Nursing & Rehab Centre. They were much more attentive to her needs than the other facility. They were very compassionate and friendly. I was able to call and actually make an ap … (read more)

St Francis Home

915 N RIVER RD, Saginaw, MI, 48603

My mom was at St. Francis Home of Saginaw. It was a very cold atmosphere. The physical therapy was really good, but the facility in the whole, I felt, was very cold, like I was in a place where people … (read more)
My mom was at St. Francis Home of Saginaw. It was a very cold atmosphere. The physical therapy was really good, but the facility in the whole, I felt, was very cold, like I was in a place where people … (read more)

Saginaw Geriatrics Home

1413 GRATIOT, Saginaw, MI, 48602

Saginaw Geriatrics Home in Saginaw, Michigan is an assisted living facility that has a relaxed and upbeat atmosphere. Saginaw has many historical homes, an art museum, and a host of concert series thr … (read more)
Saginaw Geriatrics Home in Saginaw, Michigan is an assisted living facility that has a relaxed and upbeat atmosphere. Saginaw has many historical homes, an art museum, and a host of concert series thr … (read more)

Avista Nursing and Rehab

2901 Galaxy Dr, Saginaw, MI, 48601

My mother was sent to Avista from Covenant Hospital as it was the only place available to take of her and her needs and had a room. I was very skeptical as many people only rate this place by the loca … (read more)
My mother was sent to Avista from Covenant Hospital as it was the only place available to take of her and her needs and had a room. I was very skeptical as many people only rate this place by the loca … (read more)

Covenant Medical Center, Inc

515 North Michigan , Saginaw, MI, 48602

My sister was at Covenant. I would not recommend it to anybody. The rooms were fine, but the care was horrible. I saw the dining room, and it was very nice. They had bingo and music. They were very un … (read more)
My sister was at Covenant. I would not recommend it to anybody. The rooms were fine, but the care was horrible. I saw the dining room, and it was very nice. They had bingo and music. They were very un … (read more)


Tendercare Saginaw

2160 N CENTER RD, Saginaw, MI, 48603


Symphony Tri-Cities

6700 Westside Saginaw Rd, Bay City, MI, 48706

My dad would still be alive if he wasn’t in this facility. Awful staff. Laughed when they messed up his pills. One nurse had no mask or name tag on and was irritated by our request. When dad passed … (read more)
My dad would still be alive if he wasn’t in this facility. Awful staff. Laughed when they messed up his pills. One nurse had no mask or name tag on and was irritated by our request. When dad passed … (read more)

Nursing Home Costs in Saginaw, MI

In Saginaw, the average nursing home charges monthly rates of $8,441 for a semiprivate room and $8,935 for a private room.

The Cost of Nursing Home Care in Nearby Cities

When it comes to average monthly costs of semiprivate nursing home accommodations, Saginaw’s figure of $8,441 falls between the national average of $7,756 and Michigan’s average of $8,973. Compared to nearby cities, Saginaw is more affordable than several options. For instance, Midland’s average rate is slightly higher than Saginaw’s, coming in at $8,517. Bay City is more expensive still with an average cost of $8,720, as is Lansing at $8,973. Prices rise more in Flint where the average is $9,353.

$8441

Saginaw

$8973

Michigan

$7756

The United States

$8517

Midland

$8720

Bay City

$9353

Flint

$8973

Lansing

The Cost of Other Types of Senior Care

Saginaw’s nursing homes are the most expensive type of care provider in the city as they charge monthly averages of $8,441 for semiprivate rooms and $8,935 for private rooms. Adult day health care represents the most affordable option. Its median monthly rate in Saginaw is $1,907. Between those two ends of the price spectrum are assisted living facilities, which have a median rate of $4,000, and home care and home health care providers, which have respective average costs of $4,576 and $5,148 per month.

$4576

Home care

$5148

Home health care

$1907

Adult day health care

$4000

Assisted living

$8441

Nursing Home Care (semiprivate room)

$8935

Nursing home (private room)

Financial Assistance for Nursing Home Care in Saginaw, MI

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.

Free Resources for Seniors in Saginaw, MI

Seniors in Saginaw can turn to several organizations for assistance. Resources like those below can aid older adults in meeting a variety of goals, including remaining safely at home or transitioning from one care setting to another. They can also help seniors understand and make use of benefits.

Resource

Contact 

Service

(989) 797-6880

The SCCA's services include Meals on Wheels through which homebound seniors 60 years of age and up can receive home-delivered lunches. Other nutritional support, including snacks and frozen meals, may be available too. Another SCCA program is In-Home Support Services, which offers housekeeping and assistance with daily tasks plus caregiver respite aid. Case management and transportation are among the SCCA's other offerings.

(800) 642-4838

Agents from the MVAA can assist older military veterans and their loved ones by providing information on available benefits. By performing benefits check-ups and working with government agencies and local organizations, the MVAA facilitates access to federal and state sources. It also oversees a document retrieval service for veterans in search of their DD-214 form.

(989) 753-5200

Habitat for Humanity offers a home repair service that assists low-income homeowners in making needed fixes. Another initiative focuses on home improvements, including the installation of accessibility modifications. A third Habitat program makes repairs more affordable for veteran homeowners specifically, and another may facilitate the installation of energy-efficient upgrades.

(800) 803-7174

MMAP connects seniors with local counselors trained to answer questions regarding Medicare plan options, billing issues and eligibility criteria. The program may also help clients access prescription drugs at more affordable rates, and it performs policy comparisons for individuals interested in Medigap. Long-term care insurance also falls under MMAP's area of expertise as do Medicare Savings Programs.

(800) 858-1637

The Region 7 AAA is Saginaw's point of contact for the Long-Term Care Ombudsman Program, through which residents of nursing homes and other long-term care facilities can access assistance and advocacy. Seniors may also find care management services through the AAA as well as MMAP counseling. Additionally, the AAA administers the MI Choice waiver program, which may help low-income elderly individuals afford in-home support.