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Nursing Home Communities in Saint Charles, Missouri

Our comprehensive listings and authentic reviews in Saint Charles, MO below include 184 nursing...

Directory of Nursing Home in Saint Charles, MO

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The Cost of Nursing Home Care in Nearby Cities

Based on rates for semiprivate rooms, nursing home care in Saint Charles is slightly higher than the Missouri state median, though it is much lower than the national average. Local rates are more than $2,200 lower than the average American city.

There are several less expensive options nearby, including Columbia, where nursing home care costs $5,095 per month. Springfield and Cape Girardeau rates are comparable to the statewide average of $5,262. Jefferson City has the region’s highest nursing home costs, at a monthly average of $5,703.

Saint Charles

$5,627

Missouri

$5,262

The United States

$7,908

Columbia

$5,095

Jefferson City

$5,703

Cape Girardeau

$5,232

Springfield

$5,262

Nursing Home Costs in Saint Charles, MO

In Saint Charles, seniors typically pay $5,627 per month for semiprivate accommodations in nursing homes. Private rooms cost an average of $6,737.

Financial Assistance for Nursing Home Care in Saint Charles, MO

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

Families may wish to explore additional long-term care options for their loved ones. Adult day health care is the most affordable at $1,918 per month, followed by assisted living at $4,100. In-home care and home health care are more expensive, though they allow seniors to age in place at home. Both cost $5,482 per month. Nursing home care is offered at rates of $5,627 for semiprivate rooms and $6,737 for private accommodations.

In-Home Care

$5,482

Home Health Care

$5,482

Adult Day Health Care

$1,918

Assisted Living

$4,100

Nursing Home (semiprivate room)

$5,627

Nursing Home (private room)

$6,737

Free Resources for Seniors in Saint Charles, MO

As seniors in Saint Charles age, they may require information and assistance in navigating their long-term care options. Fortunately, there are many local and regional resources able to help. These include programs to supplement the care seniors receive in nursing homes, as well as community-based services for individuals who wish to age in place at home.

ResourceContactService
Aging Ahead(636) 207-0847Aging Ahead is one of Missouri's Area Agencies on Aging, serving seniors across St. Louis, St. Charles, Franklin and Jefferson counties. The agency coordinates and oversees a range of programs and services to address the challenges individuals aged 60 and older face as they age. Community options specialists can provide information and connect seniors with long-term care assistance, in-home services, transportation, benefits counseling and family caregiver support. Aging Ahead also operates 21 congregate meal sites and meals on wheels programs for homebound seniors.
St. Charles Senior Center636-949-0658The St. Charles Senior Center helps seniors stay active and connected with their local community. Participants can visit the center for nutritious meals, health screenings, options counseling and a variety of activities, including exercise classes, arts and crafts and educational presentations. All services and programs are offered free of charge.
Seniors Service Resources(844) 707-3646Senior Service Resources is a community-based organization that provides free advice, resources and counsel to help aging adults plan for their future. Specialists can offer assistance with topics such as finances, estate planning and Medicare options and connect seniors with resources that support aging in place, including in-home care services, home modifications, mobility aids and transportation.
VOYCE (314) 918-8222VOYCE offers a range of resources and support services to help seniors and their families navigate their long-term care options. Through the VOYCEconnect helpline, individuals can access information about levels of care, financing options and assistance with locating a facility that suits their needs. The organization also operates a long-term care ombudsman program, phone reassurance program and community education programs.
Legal Services of Eastern Missouri(314) 534-4200 or (800) 444-0514Through its Senior Law Program, Legal Services of Eastern Missouri offers free, civil legal advice and representation to elderly individuals aged 60 and older. Some of the types of cases handled include housing issues, consumer defense, estate planning and elder abuse. The organization also hosts educational community workshops and outreach events.

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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