Whether seniors are looking for the bustle of a big city or the close-knit community of country living, they can find the perfect location in New York. The state is home to around 19.5 million people, and almost 17% are aged 65 and over. The state provides its older adults with many resources to help them age comfortably. New York has some of the best hospitals in the country, including a number that are highly rated for geriatric specialties.

There are also approximately 620 nursing homes across the state, which offer long-term care that can include skilled nursing, medical monitoring and treatments. This is in addition to meals, activities and personal care. The average cost of a semi-private nursing home room in New York is $12,319 per month, while a private room comes to $12,927.

This page provides data on the cost of nursing home care in New York to help seniors and their families make informed decisions about their future care. There’s also information about financial assistance and other resources available to seniors, as well as rules and regulations that cover nursing home care in the state.

The Cost of Nursing Home Care in New York

Genworth Financial’s Cost of Care 2020 Survey shows that the average monthly cost of nursing home care in New York is $12,319. This is $4,563 higher than the national average. New York is also more expensive than many of its neighbors. Seniors in Vermont pay just $9,779 per month and those in Pennsylvania pay $10,038. Costs are a little higher in New Jersey, but still less expensive than New York at $11,254 per month. Connecticut is slightly less affordable, with a cost of $12,927, $608 more than New York.

$12319

New York

$7756

The United States

$10038

Pennsylvania

$11254

New Jersey

$12927

Connecticut

$9779

Vermont

New York is a large state and the cost of nursing home care can vary widely depending on the location. In the state’s largest city, New York, the cost is $11,771. Binghamton and Utica are more affordable, with costs of $11,543 and $9,581 respectively. In Rochester, the cost is $12,380 and in Buffalo it’s $12,669, while seniors in Syracuse pay $12,890. The state’s capital, Albany, is one of the more expensive cities, with a cost of $12,973, and seniors in New City pay $13,748. 

$11771

New York City

$12669

Buffalo

$12380

Rochester

$12890

Syracuse

$12973

Albany

$9581

Utica

$11543

Binghamton

$13748

New City

At $12,319 per month, nursing home care is the most expensive senior care option, due to the skilled nursing and medical care it provides. Adult day care is the most affordable option at $1,945 per month. This provides care in a group setting to seniors who live at home. Assisted living provides room, board and personal care and costs an average of $4,800 per month. In-home care provides non-medical services in the home and costs $4,814 per month. Home health care also offers care in the home, but can include medical and skilled nursing services, and costs $4,957. It may be an option for seniors that require a nursing home level of care but want to stay living in the community. 

$4814

In-Home Care

$4957

Home Health Care

$1945

Adult Day Care

$4800

Assisted Living Facility

$12319

Nursing Home Care

Financial Assistance for Nursing Home Care in New York

Most people do not pay for skilled nursing care entirely out-of-pocket. Rather, they utilize financial assistance programs to help cover the cost of nursing care. Of public financial assistance programs, Medicaid provides the most comprehensive coverage of nursing home care. But, not all seniors are eligible for Medicaid. And because each state operates its own Medicaid program within federal guidelines, eligibility and benefits vary from state to state. Below, we provide more information on Medicaid in (STATE).

New York’s Medicaid Program

Medicaid in New York is available to help low-income individuals of all ages pay for health care. The state has around 6.3 million people enrolled in Medicaid and CHIP as of July 2020. Seniors who have been assessed as needing a nursing home level of care and meet eligibility requirements can have their nursing home care paid for through Medicaid. There are around 620 nursing homes available in New York to meet the needs of these seniors. The state also has a number of waiver programs that pay for long-term care in the home or assisted living facilities, including the Community First Choice Option, which pays for some medical care in the home. Everyone receiving Medicaid in New York that is placed in a nursing home for a long-term stay must be enrolled in a Medicaid Managed Care Plan or Managed Long Term Care Plan, which provides care management for recipients.

Medicaid Eligibility in New York

Medicaid in New York is available to New York residents who are citizens or permanent residents of the United States. Applicants must meet financial eligibility requirements, which include income and asset limits. In 2020, the income limit for singles was $875 and the asset limit was $15,750, and these limits are higher for married seniors. The rules become more complex for married couples where only one spouse is applying. New York has pathways available for people who don’t meet the financial eligibility. Seniors should apply for Medicaid through their local district Social Services Office and can contact the Medicaid Helpline on (800) 541-2831 if they have further questions.

Alternative Financial Assistance Options

  • Medicare: Medicare will cover the cost of one’s care in a skilled nursing facility for the first 20 days of their stay, and a portion of the costs up until day 100. After 100 days, the individual is responsible for all costs. Seniors must also have a “qualifying hospital stay” of at least 3 days prior to their admission to a nursing home in order to qualify for Medicare coverage.
  • Aid and Attendance: Veterans who receive a VA pension may also be eligible for the Aid and Attendance benefit, a monthly cash allowance that veterans receive in addition to their standard pension amount. The benefit is intended for veterans in need of long-term care services and may be used towards paying for skilled nursing care.
  • Reverse Mortgages: If you own a home, you may be able to use a reverse mortgage to help pay for nursing care. Reverse mortgages are loans that one can take out against the value of their home, essentially converting some of the home’s equity into cash. This type of funding can be especially useful for married couples when only one partner needs nursing care, as the other residents of the home may continue living there. Reverse mortgage loans do need to be repaid with interest, typically within 12 months of receiving the loan.
  • Long-Term Care Insurance: Seniors who already have long-term care insurance may be covered for skilled nursing care. Most policies cover at least a portion of the cost of nursing home care, but it depends on the specific policy terms. Note that older adults who are already in need of skilled nursing care will not be eligible to sign up for a LTC insurance policy.

Free and Low-Cost Resources for Seniors in New York

New York offers a variety of resources to assist older adults. These are available to seniors in nursing home care as well as those who choose to remain in the community as they age. Aging in place or living in an assisted living community is more affordable than nursing home care and many seniors prefer a less institutionalized setting, so many resources focus on helping seniors remain in their homes. Utilizing these resources can also help people save money in case they need nursing home care in the future. 

ResourceContact Service
Medicaid(800) 541-2831Medicaid in New York has a number of waivers available to people who require a nursing home level of care but wish to remain living in the community. This includes those who choose assisted living, as well as people living at home. Some of these programs only cover the cost of non-medical care, however there are programs that also provide home health aides. 
Area Agencies on AgingContact your local officeNew York has local Area Agencies on Aging in every county in the state, with one office covering the five boroughs of New York City. The AAAs offer a range of programs and services to the state’s older adults. In particular, local offices connect seniors to resources in their area. AAAs also provide guidance and advice on health insurance and care planning and can help seniors identify and apply for benefits.
Naturally Occurring Retirement Communities(800)342-9871Naturally Occurring Retirement Communities (NORCs) are buildings or neighborhoods in New York that have a substantial number of residents aged 60 and over, but were not originally intended as a senior community. Generally, NORCs occur in places where a large number of residents have chosen to age in place. The government works with nonprofit agencies to provide assistance to residents, including nursing services, social activities and non-medical help such as housekeeping. Seniors not already residing in a NORC can move to one to receive benefits. The Office of Aging can help people identify NORCs. 
Expanded In-Home Services for the ElderlyContact local Area Agency on Aging for InformationThe Expanded In-Home Services for the Elderly Program (EISEP) is a state program available for people aged 60 and over who don’t qualify for Medicaid. Applicants must be living at home and require assistance with activities of daily living and instrumental activities of daily living. There are no specific financial eligibility rules, however, people with higher incomes must share the cost of care. Benefits don’t include medical services, but can include medication reminders, personal care and housekeeping. 
Division of Veterans’ Services1-888-838-7697The New York State Division of Veterans’ Services offers advice to veterans and their dependents to help them identify and access financial assistance. For senior veterans this includes the Aide and Assistance benefit, which can be used to pay for nursing home care. New York also has five veterans’ homes that provide skilled nursing care for eligible veterans and their spouses.
Long Term Care Ombudsman Program1-855-582-6769The Ombudsman Program provides advocacy and resources to seniors living in long term care in New York, including those in nursing homes. The program investigates and resolves complaints and also helps residents understand and exercise their rights.

Nursing Home Laws and Regulations in New York

Licensing RequirementsNursing homes in New York must be licensed by the New York State Department of Health, Division of Quality and Surveillance for Nursing Homes and ICF/MR. They are defined as facilities that are subject to New York State Public Health Law that provide lodging for three or more residents who require regular nursing or other professional services. Nursing homes can be part of a larger facility. 
Staffing RequirementsNew York nursing homes must have a sufficient number of nursing staff to provide nursing services that maintain the highest practicable physical, mental and psycho-social well-being of each resident. They must also be able to provide all the services detailed in each resident’s care plan. In addition, there must be a charge nurse on duty on each shift who is responsible for supervising all nursing activities. Facilities must also hire a director of nursing on a full-time basis.
Staff Training RequirementsStaff providing skilled nursing or other medical services, such as physical therapy, must be trained and licensed to provide these services. Nurse aides, who provide non-medical personal care and services, must also be trained and registered with the New York State RHCF Nurse Aide Registry. All personnel must undertake continuing staff development programs that increase their knowledge and skills. 
Admission RestrictionsResidents can only be admitted to New York nursing homes on a physician’s orders. Facilities can only accept a resident if they have the ability to provide adequate care. 
Care Planning RequirementsResidents must be assessed within 14 days of admission to determine their needs and functional capacity. This assessment is used to develop an individualized plan of care to meet the resident’s needs. Professional staff must review the assessment at least every three months and revise the care plan as required. Comprehensive assessments are also conducted at least once every 12 months and after any significant change in a resident’s condition.
Dietary and  Nutritional Services RequirementsNursing homes must provide residents with nourishing, palatable and well-balanced meals that meet their nutritional needs and any special dietary requirements. To facilitate this, facilities must employ a dietitian on a full-time, part-time or consulting basis. They must also employ sufficient staff to prepare meals. 
Specialized Rehabilitative ServicesNursing homes must provide any specialized rehabilitative services that are detailed in a resident’s plan of care. Facilities can either employ providers themselves or obtain services from an outside resource. All services must be provided by qualified personnel. 
Medication and Pharmaceutical ServicesFacilities must provide pharmaceutical services in order to provide drugs and biologicals to residents. They must employ or obtain the services of a registered pharmacist and develop policies and procedures that ensure drugs are accurately administered to residents. 
Activities Requirements Facilities must have an activities program directed by a qualified professional. The program should be designed to meet the interests of residents, promote their well-being and help make their life more meaningful. Residents should be encouraged to choose their own activities and when they wish to participate.
Infection Control Requirements Nursing homes must have an infection control program in place to help prevent the transmission of disease. Facilities must maintain records of incidences of infections and report increased incidences to the Office of Health Systems Management. In addition, people known to have a communicable disease can’t have direct contact with residents or their food, if direct contact can transmit the disease. Before employment, staff must have a tuberculosis assessment and provide immunization certificates for rubella and measles.
Medicaid CoverageIn New York, Medicaid covers the cost of nursing home care for eligible seniors. In order to qualify, seniors must meet income and asset eligibility requirements, be a citizen or permanent resident of the United States and be assessed as requiring a nursing home level of care.  

Nursing Homes Facilities in New York (124)