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Nursing Home Communities in Duluth, MN
Our comprehensive listings and authentic reviews in Duluth, MN below include nursing home with 26 reviews.
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The Cost of Nursing Home Care in Nearby Cities
Data from Genworth Financial’s 2020 Cost of Care Survey shows that seniors in Duluth pay $2,681 more for nursing home care than the national average. However, rates are $589 lower than the state median of $11,026. Seniors who are looking for a more affordable alternative may consider Rochester, where skilled nursing facilities charge $9,730 per month. Nursing home care in Minneapolis and Mankato costs slightly more than the state median at $11,285 and $11,482, respectively. St. Cloud is one of the more expensive options. Its median cost of $12,767 is $2,330 higher than in Duluth and 65% higher than the national average.
Duluth
$10,437
Minnesota
$11,026
The United States
$7,756
St. Cloud
$12,767
Minneapolis
$11,285
Rochester
$9,730
Mankato
$11,482
Nursing Home Costs in Duluth, MN
The cost of a semiprivate room in a Duluth nursing home is $10,437 per month, while a private room averages $12,110.
Financial Assistance for Nursing Home Care in Duluth, MN
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
Skilled nursing in Duluth costs considerably more than other alternatives due to the high level of around-the-clock medical care that’s provided. The median cost of a semiprivate room is $10,437, and private rooms cost $12,110. This is roughly twice as much as the cost of in-home care, which averages $5,840, and it’s more than triple the cost of assisted living, which averages $3,221. The most affordable option is adult day health care, which has an average cost of just $1,398 per month, an 87% saving over the cost of nursing home care.
Home care
$5,840
Home health care
$5,840
Adult day health care
$1,398
Assisted living
$3,221
Nursing home (semiprivate room)
$10,437
Nursing home (private room)
$12,110
Free Resources for Seniors in Duluth, MN
Seniors in Duluth have access to a variety of resources that can help with long-term care decision-making and financial assistance. These organizations also offer advocacy for nursing home residents and community-based services that may help a senior delay admission to a long-term care facility.
| Resource | Contact | Service |
|---|---|---|
| Arrowhead Area Agency on Aging | (218) 722-5545 | The Arrowhead Area Agency on Aging is a one-stop shop for seniors who require a nursing home level of care or are interested in community-based alternatives. It's part of the state’s Senior LinkAge Line, and staff members can provide information about Medicare, long-term care insurance, caregiver supports and programs that can cover the cost of nursing home care and in-home assistance. |
| St. Louis County Aging & Disability Services | (218) 726-2366 | This county agency is dedicated to serving disabled adults, seniors aged 65 and older and individuals who require nursing home care. It coordinates MnChoices personal needs assessments that are required to determine which programs, financial assistance benefits and community-based supports applicants may qualify for. The county can also help veterans apply for state or federal long-term care benefits. |
| City of Duluth Senior Programs | (218) 730-4300 | Duluth operates three senior centers that provide meals and social and recreational opportunities for older adults. Scheduled activities include bingo, card games, fitness classes and crafts. It also hosts knitting circles, hobby-related clubs and holiday parties. Programming is available to local seniors aged 55 or older. |
| Minnesota Ombudsman for Long-Term Care | (651) 592-2590 | This regional long-term care ombudsman program serves seniors and families in Duluth and southeastern St. Louis County. The ombudsman advocates for seniors who reside in nursing homes or assisted living facilities, works to resolve complaints and helps any senior who needs assistance with long-term care services and supports. |
