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The 5 Best Nursing Homes in Fargo, ND for 2024

As residents of the state’s most populous city, seniors in Fargo, North Dakota, have access to a large number of nursing homes, long-term care providers and local resources to help manage their physical and medical needs. The city has 124,662 residents, including 14,800 seniors who represent about 12% of the total population. The cost of living in Fargo is reasonable, and health care is about 15% more affordable than the national average. Seniors in the local area typically pay $10,942 per month for a semiprivate nursing home room, which is well above the national average but slightly more affordable than the state median.

Skilled nursing facilities provide a high level of around-the-clock care, including support for subacute medical conditions. Depending on their care requirements, budget and personal preferences, seniors have other options. Those who require periodic assistance with daily activities but can live independently are good candidates for assisted living. Home health care agencies can provide medical services in addition to help with errands, shopping and everyday chores.

This guide includes information about nursing homes in Fargo, average costs, financial assistance programs and free resources that can meet seniors’ current needs and help them plan for the future.

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Nursing Home Facilities in Fargo, North Dakota

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Nursing Home Costs in Fargo, North Dakota

Nursing homes in Fargo charge $10,942 per month for a semiprivate room and $11,110 per month for a private room, according to Genworth Financial.

The Cost of Nursing Home Care in Nearby Cities

Nursing homes in Fargo charge 41% more than the U.S. median of $7,756. However, rates are fairly typical for the state and surrounding parts of the Northern Plains. Average prices in the state capital, Bismarck, are about $300 less per month, while seniors in Grand Forks pay approximately $420 more per month. Fargo offers a moderately competitive value when compared to St. Cloud, Minnesota, where skilled nursing facilities charge $12,767 per month. Meanwhile, the average of $7,650 paid in Sioux Falls, South Dakota, is $3,292 less expensive and close to the national average.

Fargo

$10,942

North Dakota

$12,167

The United States

$7,756

Bismarck

$10,646

Grand Forks

$11,365

St. Cloud, MN

$12,767

Sioux Falls, SD

$7,650

The Cost of Other Types of Senior Care

With average respective rates of $10,942 and $11,110 for private and semiprivate accommodations, nursing home care in Fargo costs more than twice as much as home care ($5,148) and home health care services ($5,240). Assisted living costs approximately $6,300 less at $4,623 per month, which is close to the U.S. median. Adult day care programs, which provide daytime supports in a group setting, cost just $1,040 per month, but this option isn’t suitable for individuals who require 24-hour care or have advanced medical needs.

Home care

$5,148

Home health care

$5,240

Adult day health care

$1,040

Assisted living

$4,623

Nursing home (semiprivate room)

$10,942

Nursing home (private room)

$11,110

Financial Assistance for Nursing Home Care in Fargo, North Dakota

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 Fargo, North Dakota

Government agencies and local nonprofits in Fargo offer a variety of resources to help older adults age well. Seniors who want to learn more about their long-term care options and ways that they can access these services can contact the following organizations for assistance.

ResourceContactService
Valley Senior Services(701) 293-1440Since 1971, Valley Senior Services has served residents aged 60 and older in Fargo and surrounding communities. It manages federally funded programs sponsored by the Older Americans Act, including meal deliveries, accessible transportation and senior center programming. These services are designed primarily for individuals who live in the community and want to delay or avoid the need for nursing home placement.
Cass County Human Service Zone(701) 241-5747This county agency handles applications for Medicaid waivers and adult services. It provides case management services, and it helps residents access home- and community-based supports, including in-home care, personal attendants and help for family caregivers. It also handles applications for food stamps and utility bill assistance.
State Health Insurance Counseling Program(888) 575-6611Operated by the North Dakota Insurance Department, SHIC provides free counseling to help Medicare beneficiaries compare coverage, understand their benefits and manage paperwork and claims. Trained counselors also provide information about copay assistance programs and long-term care benefits that may cover skilled nursing and certain in-home services.
Legal Services of North Dakota(866) 621-9886Low-income adults and seniors aged 60 or older can contact North Dakota Legal Services’ Fargo law office for information and assistance. This nonprofit law firm provides self-help resources, hosts outreach events and offers legal representation on issues related to government benefits, health care and essential services. 
North Dakota Long-Term Care Ombudsman Program(701) 328-4617Sponsored by the Aging Services Division, the Long-Term Care Ombudsman is a free, confidential program that’s available to current and prospective nursing home residents. It’s operated by trained representatives who advocate for seniors, provide information about long-term care services and investigate complaints regarding residents’ quality of life.

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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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