Saint Paul is the capital of Minnesota and the eastern sibling of the Twin Cities. Its total population is around 308,096, with approximately 32,350 being seniors over the age of 65. Saint Paul’s residents have access to a large network of healthcare facilities that includes M Health Fairview St. Joseph’s Campus and the nationally-ranked Abbott Northwestern Hospital in neighboring Minneapolis. Additionally, Saint Paul has more physicians per capita than the majority of the country.
In the city’s nursing facilities, residents with ongoing critical health conditions can receive 24-hour medical supervision from physicians and registered nurses. Rehabilitative therapies, wound care and diabetes management are some commonly provided services. Although the median cost of nursing home care in Saint Paul ($11,285) is only 2.3% above the statewide average, the statewide average is over 42% above the national figure. If the care is sufficient, seniors could reap significant savings by opting for assisted living or home care instead.
In this guide, we’ve provided an overview of the costs of senior care in and around Saint Paul. We’ve also included several government-funded programs that can help seniors save money, finance nursing home care and delay moving into a nursing facility.
Directory of Nursing Homes in Saint Paul, MN
1850 University Avenue West, Saint Paul, MN, 55104
We’re moving to the Gardens of Episcopal Homes (Iris Park Commons). It seemed to be very elaborate, they have sections for assisted living, independent living, and nursing which is what we’re going to
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We’re moving to the Gardens of Episcopal Homes (Iris Park Commons). It seemed to be very elaborate, they have sections for assisted living, independent living, and nursing which is what we’re going to. The personnel there seemed to be very knowledgeable in what they’re doing. The people that I talked to really liked it. There are around 6 different buildings, each one for different situations. They were all a good fit, clean, and very interesting.
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We’re moving to the Gardens of Episcopal Homes (Iris Park Commons). It seemed to be very elaborate, they have sections for assisted living, independent living, and nursing which is what we’re going to
… (read more)
We’re moving to the Gardens of Episcopal Homes (Iris Park Commons). It seemed to be very elaborate, they have sections for assisted living, independent living, and nursing which is what we’re going to. The personnel there seemed to be very knowledgeable in what they’re doing. The people that I talked to really liked it. There are around 6 different buildings, each one for different situations. They were all a good fit, clean, and very interesting.
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2237 COMMONWEALTH AVENUE, Saint Paul, MN, 55108
My wife was at St Anthony Park Home for a month. It was a very good facility. She received a lot of professional services there. They were outstanding and well-staffed. Many of their employees had bee
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My wife was at St Anthony Park Home for a month. It was a very good facility. She received a lot of professional services there. They were outstanding and well-staffed. Many of their employees had been there a long time. The people in charge of activities were outstanding. They had social activities all day, every day. They had their own dietician that’s why the food was good. It was an old building, but it was in good shape.
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My wife was at St Anthony Park Home for a month. It was a very good facility. She received a lot of professional services there. They were outstanding and well-staffed. Many of their employees had bee
… (read more)
My wife was at St Anthony Park Home for a month. It was a very good facility. She received a lot of professional services there. They were outstanding and well-staffed. Many of their employees had been there a long time. The people in charge of activities were outstanding. They had social activities all day, every day. They had their own dietician that’s why the food was good. It was an old building, but it was in good shape.
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640 Jackson Street, Saint Paul, MN, 55101
My brother had been to the Regions Hospital Rehabilitation Institute. He had great service there. He knew the people that worked with him, and they got to know him. Everything was good. It was a great
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My brother had been to the Regions Hospital Rehabilitation Institute. He had great service there. He knew the people that worked with him, and they got to know him. Everything was good. It was a great facility.
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My brother had been to the Regions Hospital Rehabilitation Institute. He had great service there. He knew the people that worked with him, and they got to know him. Everything was good. It was a great
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My brother had been to the Regions Hospital Rehabilitation Institute. He had great service there. He knew the people that worked with him, and they got to know him. Everything was good. It was a great facility.
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225 Frank Street, Saint Paul, MN, 55106
My mom is currently at Marian Center (Cerenity Care Center). So far they are good. They’re going through a remodel now, so she got moved down to a different floor. They still provide good care. The nu
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My mom is currently at Marian Center (Cerenity Care Center). So far they are good. They’re going through a remodel now, so she got moved down to a different floor. They still provide good care. The nursing home is pretty good. The staff members are very good, the food looks good, and the care is good. It seems like a very good place. They have activities too.
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My mom is currently at Marian Center (Cerenity Care Center). So far they are good. They’re going through a remodel now, so she got moved down to a different floor. They still provide good care. The nu
… (read more)
My mom is currently at Marian Center (Cerenity Care Center). So far they are good. They’re going through a remodel now, so she got moved down to a different floor. They still provide good care. The nursing home is pretty good. The staff members are very good, the food looks good, and the care is good. It seems like a very good place. They have activities too.
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135 GERANIUM AVENUE EAST, Saint Paul, MN, 55117
My mom is now at New Harmony Care Center. The location for us was the biggest plus. And from what I’ve seen there so far, the food looks good. She has been there for three weeks now. As for the staff,
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My mom is now at New Harmony Care Center. The location for us was the biggest plus. And from what I’ve seen there so far, the food looks good. She has been there for three weeks now. As for the staff, it’s hit or miss. Some are great and some that are kind of bad. My mom is a picky eater, but she’s been eating the food, and I tried it one day and I thought it was good. They have activities there, too. There’s bingo, word games, and trivia. My mom didn’t take part in much of it, but I saw it on their sheet every day. They have a front porch which you can only fit two or three people out there, but they don’t seem to mind. There’s a nature path behind the building, it’s a little difficult to get to if you’re not in shape to take somebody in a wheelchair, but you can get to it, and that’s pretty nice. My mom’s room is small and depressing. They said she’s going to move to a bigger room, but right now, they have her in a temporary room, and it’s very depressing.
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My mom is now at New Harmony Care Center. The location for us was the biggest plus. And from what I’ve seen there so far, the food looks good. She has been there for three weeks now. As for the staff,
… (read more)
My mom is now at New Harmony Care Center. The location for us was the biggest plus. And from what I’ve seen there so far, the food looks good. She has been there for three weeks now. As for the staff, it’s hit or miss. Some are great and some that are kind of bad. My mom is a picky eater, but she’s been eating the food, and I tried it one day and I thought it was good. They have activities there, too. There’s bingo, word games, and trivia. My mom didn’t take part in much of it, but I saw it on their sheet every day. They have a front porch which you can only fit two or three people out there, but they don’t seem to mind. There’s a nature path behind the building, it’s a little difficult to get to if you’re not in shape to take somebody in a wheelchair, but you can get to it, and that’s pretty nice. My mom’s room is small and depressing. They said she’s going to move to a bigger room, but right now, they have her in a temporary room, and it’s very depressing.
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1879 FERONIA AVENUE, Saint Paul, MN, 55104
Beware this facility has numerous CNA’s who are refusing to get vaccinated. Our family member continues to be in quarantine d/t this negligence. How can these workers care for the most vulnerable po
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Beware this facility has numerous CNA’s who are refusing to get vaccinated. Our family member continues to be in quarantine d/t this negligence. How can these workers care for the most vulnerable population of this pandemic and feel justified in their choice. The administration won’t/can’t enforce the requirement or mandate of getting vaccinated to protect their residents.
As a family we are very sad to not visit our family member this late in the pandemic because of selfish reasons.
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Beware this facility has numerous CNA’s who are refusing to get vaccinated. Our family member continues to be in quarantine d/t this negligence. How can these workers care for the most vulnerable po
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Beware this facility has numerous CNA’s who are refusing to get vaccinated. Our family member continues to be in quarantine d/t this negligence. How can these workers care for the most vulnerable population of this pandemic and feel justified in their choice. The administration won’t/can’t enforce the requirement or mandate of getting vaccinated to protect their residents.
As a family we are very sad to not visit our family member this late in the pandemic because of selfish reasons.
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2000 Oakdale Ave, Saint Paul, MN, 55118
My wife is getting all the care she needs at Southview Acres Health Care Center. I am pretty happy with them so far. I like the place. The staff is trying the best they can, especially with the shorta
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My wife is getting all the care she needs at Southview Acres Health Care Center. I am pretty happy with them so far. I like the place. The staff is trying the best they can, especially with the shortage of staff due to COVID problems everybody has. They have a menu every day that you kind of check off what you want and leave off what you don’t want. They have a good cleaning staff. They keep her room very clean.
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My wife is getting all the care she needs at Southview Acres Health Care Center. I am pretty happy with them so far. I like the place. The staff is trying the best they can, especially with the shorta
… (read more)
My wife is getting all the care she needs at Southview Acres Health Care Center. I am pretty happy with them so far. I like the place. The staff is trying the best they can, especially with the shortage of staff due to COVID problems everybody has. They have a menu every day that you kind of check off what you want and leave off what you don’t want. They have a good cleaning staff. They keep her room very clean.
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1620 RANDOLPH AVENUE, Saint Paul, MN, 55105
Hayes Residence is a small assisted living facility in St. Paul, Minnesota. It has been in existence for many years, providing safe housing and limited medical support to high-functioning individuals
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Hayes Residence is a small assisted living facility in St. Paul, Minnesota. It has been in existence for many years, providing safe housing and limited medical support to high-functioning individuals who are unable to live on their own. The staff is very family-oriented – everyone at Hayes knows each other on a first-name basis, and the staff members are very responsive to family requests. The facility itself is somewhat old-fashioned in appearance – the bulk of residents share a room with another, although a few single rooms are available. The facility provides three meals per day as well as a number of educational and recreational activities to its residents, including day trips, shopping and expeditions to local restaurants. It is an excellent facility for people who need a limited amount of support – it should not be considered for those who require full-time physical or memory care. Most of the residents are long-term and are very comfortable there.
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Hayes Residence is a small assisted living facility in St. Paul, Minnesota. It has been in existence for many years, providing safe housing and limited medical support to high-functioning individuals
… (read more)
Hayes Residence is a small assisted living facility in St. Paul, Minnesota. It has been in existence for many years, providing safe housing and limited medical support to high-functioning individuals who are unable to live on their own. The staff is very family-oriented – everyone at Hayes knows each other on a first-name basis, and the staff members are very responsive to family requests. The facility itself is somewhat old-fashioned in appearance – the bulk of residents share a room with another, although a few single rooms are available. The facility provides three meals per day as well as a number of educational and recreational activities to its residents, including day trips, shopping and expeditions to local restaurants. It is an excellent facility for people who need a limited amount of support – it should not be considered for those who require full-time physical or memory care. Most of the residents are long-term and are very comfortable there.
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330 Exchange Street South, Saint Paul, MN, 55102
Little Sisters Of The Poor is located in Saint Paul, Minnesota. This facility
offers Assisted Living Services. For the price (which is average for similar facilities in the area), you won’t find a n
… (read more)
Little Sisters Of The Poor is located in Saint Paul, Minnesota. This facility
offers Assisted Living Services. For the price (which is average for similar facilities in the area), you won’t find a nicer home for your senior family member. Little Sisters of the poor is one of the cleanest facilities that I visited, and the staff really goes above and beyond to make sure that
the residents are well cared for. Many of the staff even know the family members on a first name basis. Residents I visited there said there was a waiting list, so if you are interested it’s best to give them a call as soon as possible. United Hospital is in close proximity to this facility, which a very good hospital.
Some of the residents I visited were there for short term care, because they were recovering from an illness, others needed long term housing. Residents said they loved the apartment style living because they felt that they had the privacy of their own home, while feeling safe and getting help for medication reminders, meals, laundry and housekeeping.
Residents said they loved the convenience of the many onsite services such as; a convenience store, bank, and barber/beauty shop.
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Little Sisters Of The Poor is located in Saint Paul, Minnesota. This facility
offers Assisted Living Services. For the price (which is average for similar facilities in the area), you won’t find a n
… (read more)
Little Sisters Of The Poor is located in Saint Paul, Minnesota. This facility
offers Assisted Living Services. For the price (which is average for similar facilities in the area), you won’t find a nicer home for your senior family member. Little Sisters of the poor is one of the cleanest facilities that I visited, and the staff really goes above and beyond to make sure that
the residents are well cared for. Many of the staff even know the family members on a first name basis. Residents I visited there said there was a waiting list, so if you are interested it’s best to give them a call as soon as possible. United Hospital is in close proximity to this facility, which a very good hospital.
Some of the residents I visited were there for short term care, because they were recovering from an illness, others needed long term housing. Residents said they loved the apartment style living because they felt that they had the privacy of their own home, while feeling safe and getting help for medication reminders, meals, laundry and housekeeping.
Residents said they loved the convenience of the many onsite services such as; a convenience store, bank, and barber/beauty shop.
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1925 NORFOLK AVENUE, Saint Paul, MN, 55116
740 Kay Avenue, Saint Paul, MN, 55102
I went to the Shalom Home for post-operative transitional care following bilateral total knee replacements. This is an extremely painful procedure. I was there for four nights until I demanded to be d
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I went to the Shalom Home for post-operative transitional care following bilateral total knee replacements. This is an extremely painful procedure. I was there for four nights until I demanded to be discharged.
With very few exceptions, the nursing staff is completely inadequate to care for such patients. I waited up to two and a half hours for SCHEDULED pain medication. I heard every excuse in the book. Often they told me they were out of the medication and didn’t have any on site. How is this possible? It was absolute torture.
I took the chance of falling to get to the bathroom because sometimes it took 20 min. for anyone to show up to help me. I never saw anything disinfected. Things laid on the floor for days. My bathroom trash was overflowing, the hand sanitizer was empty. The TV blared 24 hours a day.
The OT and PT staff were great as were the social services staff. Other than that it was a total nightmare.
They simply are not up to this level of care and should not be doing it.
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I went to the Shalom Home for post-operative transitional care following bilateral total knee replacements. This is an extremely painful procedure. I was there for four nights until I demanded to be d
… (read more)
I went to the Shalom Home for post-operative transitional care following bilateral total knee replacements. This is an extremely painful procedure. I was there for four nights until I demanded to be discharged.
With very few exceptions, the nursing staff is completely inadequate to care for such patients. I waited up to two and a half hours for SCHEDULED pain medication. I heard every excuse in the book. Often they told me they were out of the medication and didn’t have any on site. How is this possible? It was absolute torture.
I took the chance of falling to get to the bathroom because sometimes it took 20 min. for anyone to show up to help me. I never saw anything disinfected. Things laid on the floor for days. My bathroom trash was overflowing, the hand sanitizer was empty. The TV blared 24 hours a day.
The OT and PT staff were great as were the social services staff. Other than that it was a total nightmare.
They simply are not up to this level of care and should not be doing it.
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1415 ALMOND AVENUE, Saint Paul, MN, 55108
My father-in-law is in Lyngblomsten Care Center. It’s been very good. They are good communicators. The facilities are very neat and clean, and the people are friendly. The staff members have been very
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My father-in-law is in Lyngblomsten Care Center. It’s been very good. They are good communicators. The facilities are very neat and clean, and the people are friendly. The staff members have been very kind. My father-in-law tells us about the people he sees each day, and he’s been very happy with that. His biggest concern is that after dinner sometimes he has to stay in the dining room too long. The overall condition of the place is very clean, and it smells neat. It’s inviting. I’ve been in the dining room while my father-in-law is eating, and it looks very appetizing. He’s been happy with his food. They have a good variety, and they have plenty of food, so the food seems good.
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My father-in-law is in Lyngblomsten Care Center. It’s been very good. They are good communicators. The facilities are very neat and clean, and the people are friendly. The staff members have been very
… (read more)
My father-in-law is in Lyngblomsten Care Center. It’s been very good. They are good communicators. The facilities are very neat and clean, and the people are friendly. The staff members have been very kind. My father-in-law tells us about the people he sees each day, and he’s been very happy with that. His biggest concern is that after dinner sometimes he has to stay in the dining room too long. The overall condition of the place is very clean, and it smells neat. It’s inviting. I’ve been in the dining room while my father-in-law is eating, and it looks very appetizing. He’s been happy with his food. They have a good variety, and they have plenty of food, so the food seems good.
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2319 WEST 7TH STREET, Saint Paul, MN, 55116
There is no air-conditioning and hasn’t been for at least 2 years. There are mice everywhere. They get very little food and what they do get has very little nutrition.
There are a few staff member
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There is no air-conditioning and hasn’t been for at least 2 years. There are mice everywhere. They get very little food and what they do get has very little nutrition.
There are a few staff members who try but most do very little. The more helpless the patient the less care they seem to get.
They don’t even have a handicapped rest room.
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There is no air-conditioning and hasn’t been for at least 2 years. There are mice everywhere. They get very little food and what they do get has very little nutrition.
There are a few staff member
… (read more)
There is no air-conditioning and hasn’t been for at least 2 years. There are mice everywhere. They get very little food and what they do get has very little nutrition.
There are a few staff members who try but most do very little. The more helpless the patient the less care they seem to get.
They don’t even have a handicapped rest room.
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420 MARSHALL AVENUE, Saint Paul, MN, 55102
This facility is under new management and they are doing their best to improve the service and care provided. That being said, the building really needs updating and that is being worked on. There
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This facility is under new management and they are doing their best to improve the service and care provided. That being said, the building really needs updating and that is being worked on. There is not central air but air conditioners at the end of the hallways. They did give my dad a little portable fan that helped cool his room. There are not any telephones in the residents’ rooms. They have to go to the main desk or have a cordless phone brought to them. There is a main shower area that is quite archaic and the showers can be difficult for the residents. Just noting some of the more difficult parts of being at Bethel.
My dad was there for transitional care after surgery for cancer during the summer of 2019. Overall, the staff was very friendly and did their best to care for him. There were times he had to wait longer than he would have liked but that is because they are very busy. My dad’s favorite nurse was Keesha. She was extremely friendly and gave him the best care.
This facility does provide activities for the residents such as Bingo, outdoor cookouts, live music and the activities director is super friendly and reaches out to the residents even when they are not friendly back to her.
The bathrooms between residents’ rooms are shared. This is something that was very difficult for my dad and I did not realize it when we toured the facility.
The security is very good. The backyard is fenced in and has a bench for residents and visitors to sit on. There is a smoking area for smokers. There are sidewalks and a nice neighborhood to take a resident for a stroll in. The front desk operators were always friendly and welcoming. Sue, the manager, always tried to accommodate our needs. Everyone really seemed to care about my dad and that was very helpful to us.
Dad could not eat so I cannot rate the food.
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This facility is under new management and they are doing their best to improve the service and care provided. That being said, the building really needs updating and that is being worked on. There
… (read more)
This facility is under new management and they are doing their best to improve the service and care provided. That being said, the building really needs updating and that is being worked on. There is not central air but air conditioners at the end of the hallways. They did give my dad a little portable fan that helped cool his room. There are not any telephones in the residents’ rooms. They have to go to the main desk or have a cordless phone brought to them. There is a main shower area that is quite archaic and the showers can be difficult for the residents. Just noting some of the more difficult parts of being at Bethel.
My dad was there for transitional care after surgery for cancer during the summer of 2019. Overall, the staff was very friendly and did their best to care for him. There were times he had to wait longer than he would have liked but that is because they are very busy. My dad’s favorite nurse was Keesha. She was extremely friendly and gave him the best care.
This facility does provide activities for the residents such as Bingo, outdoor cookouts, live music and the activities director is super friendly and reaches out to the residents even when they are not friendly back to her.
The bathrooms between residents’ rooms are shared. This is something that was very difficult for my dad and I did not realize it when we toured the facility.
The security is very good. The backyard is fenced in and has a bench for residents and visitors to sit on. There is a smoking area for smokers. There are sidewalks and a nice neighborhood to take a resident for a stroll in. The front desk operators were always friendly and welcoming. Sue, the manager, always tried to accommodate our needs. Everyone really seemed to care about my dad and that was very helpful to us.
Dad could not eat so I cannot rate the food.
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445 GALTIER AVENUE, Saint Paul, MN, 55103
Of the people working with her at Galtier Health Center, some were good and some were not. Some staff would respond quickly and others would not. The cleanliness was poor and the facility definitely n
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Of the people working with her at Galtier Health Center, some were good and some were not. Some staff would respond quickly and others would not. The cleanliness was poor and the facility definitely needed upgrading. It’s overcrowded and it’s not a good place. The rooms were very small, although their dining room was spacious enough and clean. I wasn’t able to taste the food, but my client did not complain about it. They offer activities like bingo, music, and other appropriate activities.
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Of the people working with her at Galtier Health Center, some were good and some were not. Some staff would respond quickly and others would not. The cleanliness was poor and the facility definitely n
… (read more)
Of the people working with her at Galtier Health Center, some were good and some were not. Some staff would respond quickly and others would not. The cleanliness was poor and the facility definitely needed upgrading. It’s overcrowded and it’s not a good place. The rooms were very small, although their dining room was spacious enough and clean. I wasn’t able to taste the food, but my client did not complain about it. They offer activities like bingo, music, and other appropriate activities.
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753 EAST SEVENTH STREET, Saint Paul, MN, 55106
471 LYNNHURST AVENUE WEST, Saint Paul, MN, 55104
525 Fairview Avenue South, Saint Paul, MN, 55116
514 Humboldt Avenue, Saint Paul, MN, 55107
804 Margaret Street, Saint Paul, MN, 55106
Nursing Home Costs in Saint Paul, MN
Seniors in Saint Paul spend about $12,167 a month for nursing home care with a private room. Semiprivate rooms average $11,285 a month.
The Cost of Nursing Home Care in Nearby Cities
Saint Paul’s seniors spend about $3,529 more per month on nursing home care than most seniors in the United States. Within Minnesota, Saint Paul’s care costs are only slightly above the statewide average of $11,026. At $9,730 a month, Rochester is the most affordable nearby city, while St. Cloud and its $12,767 median cost of care is the most expensive. To the southwest, Mankato averages $11,482 per month. Further north in Duluth, seniors enjoy the second-most affordable nursing home care in the state at $10,437 a month.
The Cost of Other Types of Senior Care
While nursing home care with a private room is the most expensive option for senior care in Saint Paul, adult day health care is the least expensive at $1,863. At an average cost of $4,797 a month, assisted living is the second-most affordable type of care in the city. In the middle of the cost range are home care and home health care which have monthly median costs of $6,292 and $6,483, respectively.
Nursing home (semiprivate room)
Nursing home (private room)
Note: Data for Saint Paul was unavailable, so data for the nearest city, Minneapolis, was used instead.
Financial Assistance for Nursing Home Care in Saint Paul, 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.
Free Resources for Seniors in Saint Paul, MN
The following resources can help seniors save money, pay for nursing home care or delay moving into a nursing facility with in-home services. We’ve also included advocacy services in the event seniors have a complaint about their care.
Resource | Contact | Description |
Ombudsman for Long-Term Care | (651) 431-2555 | The Ombudsman for Long-Term Care program is comprised of volunteers tasked with investigating complaints at the state’s long-term care facilities. Situations where ombudsmen get involved range from elder abuse allegations and disputes about finances to complaints about the type of food served at a nursing home. |
Minnesota Department of Human Services | (651) 431-2000 | Seniors eligible for government-subsidized insurance and other programs will need to contact the state’s Department of Human Services to apply and claim benefits. The agency can help seniors determine if Medicaid will pay for their nursing home care. They can also advise seniors on other support programs they may qualify for, such as food and temporary cash assistance. |
Trellis | (651) 641-8612 | Trellis is the Area Agency on Aging for Saint Paul. It receives funding from the federal government that it uses to administer programs for health insurance counseling, in-home services, home-delivered meals and transportation. |
Alternative Care Program | (651) 431-2000 | Seniors participating in the Alternative Care Program can receive a wide range of in-home services, including skilled nursing, homemaker services and assistance with chores. The program also provides home-delivered meals and personal emergency response systems. To qualify, seniors must be over the age of 65, meet income and asset guidelines and require a nursing facility level of care. |