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.
2825 Wieneke Road, Saginaw, MI, 48603
4.4
(12 reviews)
"Lutheran was excellent, the staff was wonderful, and they took care of my aunt. The nurse was very knowledgeable, and the social workers were excellent all the way. I can't say enough good things about them."
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3340 HOSPITAL RD, Saginaw, MI, 48608
5.0
(1 reviews)
"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 place, airy, clean, and well taken care of. Th..."
READ MORE3200 State S, Saginaw, MI, 48602
5.0
(1 reviews)
"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 very clean. It's very good. "
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1202 WEISS ST, Saginaw, MI, 48602
4.5
(4 reviews)
"The staff at Hoyt in Saginaw was just wonderful in helping with my mom's care. The place was clean and the staff attentive. Kudos to the wonderful doctors and nurses for outstanding care. But who truly went above and beyond is the social Worker - ..."
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915 N RIVER RD, Saginaw, MI, 48603
3.4
(5 reviews)
"St. Francis Home is a great facility to go for long term care and rehab. I have had my cousin and friends of my family stay there and a couple of them even stay their last days on earth there. They and their family were very appreciate of St. Fran..."
READ MORE1413 GRATIOT, Saginaw, MI, 48602
3.0
(3 reviews)
"Saginaw Geriatrics Home is a nursing home and assisted living. It was clean and very nice. They had activities and good food and she was there for a certain amount of time. She liked it there but her family took her out of there. The staff was ver..."
READ MORECaring's Family Advisors are here to help you with questions about senior living and care options.
2901 Galaxy Dr, Saginaw, MI, 48601
2.8
(4 reviews)
"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 location. Turns out, I will argue with anyone that ..."
READ MORE515 North Michigan , Saginaw, MI, 48602
1.0
(1 reviews)
"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 understaffed. "
READ MORE6700 Westside Saginaw Rd, Bay City, MI, 48706
3.1
(14 reviews)
"My mom was in Caretel Inns of Tri-Cities. The food was outstanding, and their gourmet chef was better than any restaurant in town. Family members that visit got to eat there and it only costs $5. That food would cost $25 in a restaurant. A lot of ..."
READ MOREIn Saginaw, the average nursing home charges monthly rates of $8,441 for a semiprivate room and $8,935 for a private room.
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.
Saginaw
$8,441
Michigan
$8,973
The United States
$7,756
Midland
$8,517
Bay City
$8,720
Flint
$9,353
Lansing
$8,973
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.
Home care
$4,576
Home health care
$5,148
Adult day health care
$1,907
Assisted living
$4,000
Nursing Home Care (semiprivate room)
$8,441
Nursing home (private room)
$8,935
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.
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.
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 |
|---|---|---|
| Saginaw County Commission on Aging | (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. |
| Michigan Veterans Affairs Agency | (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. |
| Saginaw-Shiawassee Habitat for Humanity | (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. |
| Michigan Medicare/Medicaid Assistance Program | (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. |
| Region 7 Area Agency on Aging | (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. |
