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Assisted Living in Florida
Home to famous theme parks, arts and cultural amenities and miles of coastline, Florida is a popular retirement destination. The state has a large senior community that accounts for a fifth of its population, and by 2030, more than one in four Floridians will be aged 65 and over. It has several nationally ranked and high-performing hospitals with specialties for older adults, including Mayo Clinic in Jacksonville and UF Health Shands Hospital in Gainesville. Overall, on The Best Places for Seniors study, the state is ranked 44th in the nation. Low marks in health care rankings, housing costs and opportunities for community involvement negatively impact its overall score. However, the local air and water quality are very good and there’s no state income tax, which may make the state an appealing option for retirees seeking long-term care. The state also has generally affordable assisted living rates, with seniors paying $4,000 per month on average for this type of care.
This introductory guide for assisted living in Florida highlights residential care costs throughout the state and outlines options older adults have for covering services. It also lists some local nonprofit and government agencies that provide advocacy, information and services for seniors, as well as an overview of the regulations governing assisted living facilities throughout the state.
The Cost of Assisted Living in Florida
When trying to decide how to pay for assisted living, one of the first questions that comes up is "How much does it cost?" With the impact of inflation, it's more important than ever to have up-to-date information when making a financial plan for senior living. To help shed light on real senior living prices, Caring.com has compiled proprietary cost data from its network of over 75,000 senior living providers to offer insight into the average cost of assisted living in Florida and its 134 cities.
The Cost of Assisted Living in Florida's Top Cities
Care costs in Florida range from lows of $2,375 in Miami and $3,571 in Tampa to highs of $5,589 in Sarasota. In between, cities like Orlando charge a median of $4,585, approximately $500 more than the state average of $4,067. Senior individuals seeking assisted living care in their later years have many location options to match their budgets and care needs, which they can often find here.
Florida
$4,067
Tampa
$3,571
Orlando
$4,585
Miami
$2,375
Sarasota
$5,589
Inflation's Impact on the Cost of Assisted Living in Florida
Inflation in Florida in 2022 and 2023 increased the average cost of assisted living by 9.12%, from $3,727 to $4,067. Although this increase compares well to the national average of 9.55% ($4,070 to $4,459), not all of Florida’s neighbors fared as well.
Alabama experienced a rise of 14.53% in assisted living to $3,798, with South Carolina displaying a shocking increase of 17.37%. Tennessee came in even higher at 24.17%. Only Georgia’s fees rose by a low of 5.95% to $3,952. These figures prove that research is vital in finding suitable senior living options.
| Location | 2022 Cost (Historical) | 2023 Cost (Current) | 2024 Cost (Estimated) |
|---|---|---|---|
| Florida | $3,727 | $4,067 | $4,438 |
| U.S. Average | $4,070 | $4,459 | $4,802 |
| Alabama | $3,316 | $3,798 | $4,045 |
| Georgia | $3,730 | $3,952 | $3,895 |
| South Carolina | $3,545 | $4,161 | $4,526 |
| Tennessee | $3,383 | $4,201 | $4,543 |
The Costs of Other Types of Senior Living
Assisted living rates in Florida average $4,067, significantly less than the $3,240 individuals can expect to pay for independent living. On the other hand, memory care is about $4,642 in this state. The reason for price variations between these care services lies in the different levels of expert care, facilities, amenities and other benefits offered. Individuals can use this information to help decide on the best care possible.
Assisted Living
$4,067
Memory Care
$4,642
Independent Living
$3,240
Does Medicaid Cover Assisted Living in Florida?
Florida’s Medicaid program covers assisted living services directly, putting high-quality care within reach of those with limited income or assets. It uses a managed care model that’s made up of two programs, the Long-Term Care Managed Care Program and the Managed Medical Assistance Program. Basic coverage for assisted living is available under all Medicaid plans, but additional services are covered under plans in the Long-Term Care Managed Care Program.
What Assisted Living Services Are Covered by Medicaid in Florida?
Florida Medicaid’s Assistive Care Services provision has coverage for services provided to income-qualifying individuals in assisted living facilities, residential treatment facilities and family care homes. Coverage is limited to the services in the individual’s care plan and includes:
- Help with daily living activities
- Help with instrumental activities of daily living
- Health support
- Medication assistance
In addition to these basic services, eligible applicants may obtain additional coverage for assisted living under the Long-Term Care Managed Care Program. This program is a 1915(b) waiver and features numerous plans throughout the state.
Assisted Living Waiver Programs in Florida
Long-Term Care Managed Care Program
The Long-Term Care Managed Care Program has managed care plans under contract with the Agency for Health Care Administration. The state is divided into 11 regions, each of which has its own long-term care plans. Limited enrollment slots for this program are available, meaning some eligible applicants may be placed on a wait list until services open up. Coverage may vary across plans, but all plans must provide core services including:
- Assisted living
- Attendant nursing care
- Care coordination and case management
- Hospice
- Intermittent and skilled nursing services
- Medication administration
- Medical equipment and supplies
- Personal care
- Personal Emergency Response System
- Physical, speech and occupational therapy
To be eligible for this program, applicants must be at least 65 years old or have a disability. They must also meet medical and financial eligibility criteria.
Enrolling in this waiver has a three-step process. First, applicants are screened for services by an Aging and Disability Resource Center. This screening can take place in person or over the phone and takes about 45 minutes. Through this screening, the ADRC generates a priority score, which affects the individual’s placement on the wait list for services. Once the individual is released from the wait list, they undergo a CARES Assessment of Long-Term Care Needs. Finally, they pick a long-term care plan.
How To Know If You’re Eligible for Medicaid in Florida
Eligibility for Medicaid is determined by one of two agencies. The Department of Children and Families, Office of Economic Self-Sufficiency, determines eligibility for those aged 65 and over who don’t qualify for Supplemental Security Income. For older adults receiving SSI, the Social Security Administration screens for Medicaid eligibility.
In general, applicants must be at least 65 years old, blind or have a disability to qualify for Medicaid. They must also meet income guidelines. As of 2022, single applicants may have an annual pre-tax income of no more than $11,964.
2022 Basic Medicaid Income Limits for Seniors in Florida
| Household Size | Number of Applicants | Income Limits Per Year* | Asset Limits: Applicant(s) | Asset Limits: Non-Applicants |
|---|---|---|---|---|
| One Person | 1 | $32,904 | $2,000 | |
| Two Person | 1 | $32,904 | $2,000** | $148,620 |
| Two Person | 2 | $65,808 | $3,000*** |
*Depending on the facility setting, a recipient may not be able to keep income up to this level.
**Income limit is for applicant only.
***Income is limited to $2,742 per month per spouse.
Along with Medicaid’s basic eligibility requirements, those who obtain Assistive Care Services must meet additional guidelines. They must have an assessment completed by a physician or other licensed practitioner that indicates these services are medically necessary. This health assessment must show that they need at least two of the following services:
- Help with daily living activities
- Help with instrumental activities of daily living
- Help with self-administered medications
- Health support
Applicants must also reside in licensed assisted living facilities, residential treatment facilities or adult care homes.
How To Apply for Medicaid in Florida
Individuals may apply for Medicaid online by visiting ACCESS Florida. Those who prefer filing a paper application can mail their completed copy to their local Service Center. Help with the application process is available by calling the ACCESS Florida helpline at (850) 300-4323.
What Information You Will Need
Before applying for Medicaid, individuals need to make sure they have the following information available:
- Proof of age
- Proof of citizenship and state residency
- Proof of all income sources, including tax returns, Social Security, Supplemental Security Income and veterans’ benefits
- Proof of assets, including bank accounts, retirement accounts and trusts
- Social Security number
- Policy numbers for any current health insurance, including Medicare
How To Get Help Applying for Medicaid
There are several agencies and programs that help Floridians obtain the health insurance coverage they need. Through the following resources, older adults can get help finding the right plan for their needs, understanding their benefits and disputing denied applications or services.
| Program | Contact | Services provided |
|---|---|---|
| Ombudsman Program | (866) 490-1901 | The Agency for Health Care Administration operates the Ombudsman Program, which serves as an impartial third party regarding denied Medicaid claims for prescription drug coverage. Individuals can contact the ombudsman if Medicaid refuses to cover necessary medications. |
| Medicaid Fair Hearings | (877) 254-1055 | If an individual is denied Medicaid coverage for an eligible service or if they were receiving a service and Medicaid stopped or limited its coverage and they completed the plan’s appeal process, they can ask for Fair Hearing. Through this process, individuals can dispute a decision that wasn’t made in their favor. |
| Statewide Medicaid Managed Care | (877) 711-3662 | Statewide Medicaid Managed Care has a free helpline staffed with live agents who help callers enroll in Medicaid and understand their benefits. The helpline is staffed Monday through Thursday from 8 a.m. to 8 p.m. and on Friday from 8 a.m. to 7 p.m. |
Does Medicare Cover Assisted Living in Florida?
The short answer is that no, Medicare does not cover the cost of assisted living in Florida Assisted living facilities are considered to be a “residential setting” and not a “clinical setting,” (think nursing homes). While Medicare doesn’t cover the cost of care received in an assisted living community, it does still cover things like approved medications, doctor visits, medical equipment, etc., just like it would if you lived at home.
For more information about when Medicare can be used to pay for senior living in a nursing home, and for Medicare-related resources, see our guide to Nursing Homes in Florida
Paying for Assisted Living Facilities in Florida
Low-income seniors can apply for Florida Statewide Medicaid Managed Care Long-Term Care Program (SMMC LTC) to offset the costs of assisted living care. The state-run program was specifically designed for seniors at risk of being placed in a nursing home and offers a variety of plans to meet individual care needs. The program offers six Managed Health Care Organizations that cover Florida's 11 regions, though not every provider is available in every region.
To be eligible, applicants must:
- Be a legal Florida resident
- Be at least 65 years old, or over the age of 18 with a SSA-approved disability
- Require a 'nursing facility level of care' based on an in-person exam
- Meet Florida Medicaid financial eligibility requirements
When determining financial eligibility, Florida considers both income and assets. In 2018, individuals were limited to $2,250 in monthly income and no more than $2000 in qualifying assets. It's important to note that Florida senior couples, when only one individual requires care, may allocate joint income to the healthy spouse to help the other qualify for Medicaid.
To learn more about eligibility requirements, seniors or their family members will need to contact their local Area Agency on Aging, or call the Elder Helpline at 800-262-2243. Representatives will schedule a screening for home and community-based services and a prioritization decision will be mailed to determine when services can take effect. The next step is to apply for Medicaid approval through the Department of Children and Family Services.
Other Financial Assistance Options for Assisted Living in Florida
Seniors who are not eligible (due to location, financial situation, or other factors) for other types of financial assistance, do still have some options. See the table below for an overview of some of the most common ways to make Assisted Living affordable.
| Name | How To Apply | How It Works |
|---|---|---|
| Aid and Attendance | Learn more and apply online at va.gov. | 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 Assisted Living. |
| Reverse Mortgages | Learn more about your options and how to apply at ftc.gov | If you own a home, you may be able to use a reverse mortgage to help pay for Assisted Living. Reverse mortgages are loans that you can take out against the value of your home, essentially converting some of the home's equity into cash. Reverse mortgage loans do need to be repaid with interest, typically within 12 months of receiving the loan. |
| Long-Term Care (LTC) Insurance | Learn more about Long-Term Care Insurance and how to apply for a policy at acl.gov. | Seniors who already have long-term care insurance may be able to use it to pay for Assisted Living. Most policies cover at least a portion of the cost, but it depends on the specific policy terms. Note that older adults who are already in need of Assisted Living will not typically be eligible to sign up for a LTC insurance policy. |
Free and Low-Cost Resources for Seniors in Florida
There are many resources in Florida that assist seniors in their retirement. Caring.com has compiled information on local organizations, programs and agencies and categorized them into care types for easy reference.
Area Agency on Aging
Retirees can find support and advice on various senior-related issues from their local Area Agency on Aging. The agency provides advice on topics such as financial assistance programs, in-home care and long-term care planning. It also connects seniors and caregivers with community-based resources.
| Program Name | Phone Number | Description |
|---|---|---|
| Florida Area Agencies on Aging | Floridians aged 60 and over can access critical care, support and education programs provided through the state's Area Agencies on Aging. With multiple location offices organized by region, the AAAs offer home- and community-based services. Options include Meals on Wheels, fitness and wellness sessions and home care assistance with personal care tasks and homemaking activities. All Florida AAAs focus on helping older persons to stay independent for longer. |
Cash Assistance Programs
Cash assistance programs in Florida provide financial support to help low-income retirees remain in their own homes for as long as possible. Seniors and caregivers can apply for tax rebates and reductions, discounts on vital services and help covering the cost of heating and cooling their home.
| Program Name | Phone Number | Description |
|---|---|---|
| Florida Lifeline Program | 800-234-9473 | The LifeLine Program offers a discount on landline or mobile telephone service, ensuring that participants can stay in contact with loved ones. |
Food Assistance Programs
Local organizations help ensure elderly citizens have a balanced diet and receive essential vitamins and minerals to remain healthy. Through nutrition programs, congregate meals, home-delivered meals and food pantries, these programs help Florida seniors afford the nutritious food they need.
| Program Name | Phone Number | Description |
|---|---|---|
| Florida Meals on Wheels | Florida Meals on Wheels is a state-wide program delivering meals to homes of frail seniors who struggle to cook and shop for themselves. The program also offers congregate meals throughout the state for seniors who aren't homebound. In addition to the food, many of the state's Meals on Wheels volunteers provide friendly visits when they deliver to seniors' homes. | |
| Florida Supplemental Nutrition Assistance Program (SNAP) | 850-300-4323 | The Florida Supplemental Nutrition Assistance Program, previously known as food stamps, gives funds to low-income seniors and others who are having trouble paying for food. Support is provided through an electronic benefit transfer card, which can be used at grocery stores and other locations that sell fresh produce, meat and other food items. Florida's seniors can apply online, on the phone or through the mail. They must provide documents proving their household income, expenses and assets during the application process. |
Health Insurance & Prescription Drug Coverage for Seniors
Florida seniors who meet certain income criteria can apply to local resources to help them pay for prescription drugs. Eligible residents can also receive assistance through health insurance and other programs to access free or discounted medical services.
| Program Name | Phone Number | Description |
|---|---|---|
| Florida Rx Card | 877-321-6755 | The Florida Rx Card program provides eligible seniors with discounts of up to 75% off out-of-pocket prescription drug costs. There's no cost to apply for a card, and discounts are available at a number of pharmacies within Florida and throughout the United States. |
Home Repair and Modifications
Seniors and those with disabilities can access a variety of local resources to help them pay for home repairs and modifications. Programs in Florida have different eligibility criteria and often assist retirees by providing grants or loans.
| Program Name | Phone Number | Description |
|---|---|---|
| Florida Single Family Housing Repair Loans & Grants | 352-338-3400 | Income-eligible adults aged 62+ living in unsafe homes can get grants of up to $10,000 to pay for repairs. Loans of up to $40,000 at 1% interest rates on 20-year terms are also available. It's possible to combine a loan and grant, up to a maximum of $50,000. |
| Florida Weatherization Assistance Program | The program aims to make homes energy-efficient, which simultaneously can reduce the householder's energy costs and make their living spaces more comfortable. Types of assistance include insulating attics, installing solar screens and replacing inefficient HVAC units. |
Legal Resources
Many organizations offer free or low-cost legal services to Florida seniors. Older adults can access advice on issues such as estate planning, living wills and power of attorney. Some firms also act as long-term care ombudsmen, advocating for the rights of seniors in senior living communities.
| Program Name | Phone Number | Description |
|---|---|---|
| Florida Elder Law Program | 888-895-7873 | The Florida Elder Law program provides free legal services to seniors aged 60 and over. It can provide legal advice regarding civil issues, such as health care expenses or long-term care visitation rights. The agency can also refer seniors to local legal services through the Bay Area Legal Services program when necessary. |
| Florida Long-Term Care Ombudsman Program (LTCOP) | 888-831-0404 | The Ombudsman Program of Florida serves as an advocate for seniors living in nursing homes and assisted living communities. It helps seniors and their family members understand their rights and works to resolve issues. Its staff members investigate and help resolve nursing home complaints and conduct annual assessments of all licensed senior care centers. |
| Florida's Department of Elder Affairs | 888-895-7873 | Florida's Department of Elder Affairs operates a toll-free legal information line for seniors aged 60 and older. Seniors can call the Senior Legal Helpline to access free legal information related to long-term care, estate planning and guardianship. |
Senior Centers
Senior centers in Florida bring together residents through recreational activities and events. Many also offer advice and support on senior issues, run wellness and nutrition programs, and connect older adults with other resources in the local area.
| Program Name | Phone Number | Description |
|---|---|---|
| Florida Association of Senior Centers | 850-891-4008 | The Florida Association of Senior Centers helps older adults connect with community services that can help them maintain their health and independence. It promotes high-quality programming in senior centers, most of which serve as an entry point for accessing community-based services such as options counseling, Medicare assistance and durable medical equipment loans. The association's website maintains an up-to-date database of assisted living facilities throughout the state. |
Senior Engagement
Senior engagement resources and programs in Florida help older adults remain active and ensure they contribute to the community. Resources include wellness programs, volunteer opportunities, support groups and organizations that help residents connect with the community to live fulfilling lives.
| Program Name | Phone Number | Description |
|---|---|---|
| Alzheimer's Association Florida Chapter | 800-272-3900 | The Alzheimer's Association is a national nonprofit organization that funds Alzheimer's disease research as well as educational and support programs. Florida is home to three local chapters of the AA, and these chapters offer case management services, patient and caregiver support groups and assistance with securing long-term care resources. |
| Florida Mayor’s Initiative on Healthy Aging and Livability | 305-375-5648 | The Mayor's Initiative on Aging is a countywide program that administers community activities to help improve the quality of life for older residents. These include health education and disease prevention information; wellness screenings for cholesterol, blood pressure, glaucoma, bone density, diabetes, body mass index and mental illness; age-friendly fitness programs; and interactive presentations on senior safety. |
| Florida Byrd Alzheimer's Center and Research Institute | 813-396-0606 | The University of South Florida Health's Byrd Alzheimer's Center and Research Institute offers a range of services and supports to those living with memory loss as well as to family members and caregivers of people diagnosed with Alzheimer's disease. The institute conducts a number of clinical trials for dementia care and treatment at no cost to participants as well as multiple in-person and online family caregiver support groups and community education programs. |
Medicaid Resources
Navigating the Medicaid system is often difficult and confusing. Several Florida resources help older adults by providing advice on Medicaid options, waiver programs and eligibility criteria to help seniors receive the right health care benefits.
| Program Name | Phone Number | Description |
|---|---|---|
| Florida Statewide Medicaid Managed Care Long-Term Care Program | 850-414-2000 | SMMC LTC supports seniors at risk by helping meet the costs of care at home, in the community or in an assisted living facility. The program pays for non-medical services, such as adult day care, home-delivered meals and personal care. Some applicants may also be eligible for Managed Medical Assistance, which provides home-based and institutional medical support. |
Social Security Offices
Social Security offices in Florida help seniors and disabled people access the benefits they're entitled to. Older adults can contact their local office for information about receiving retirement benefits, disability allowance and Supplemental Security Income.
| Program Name | Phone Number | Description |
|---|---|---|
| Florida Social Security | Social Security is a source of income available to retirees and people who can no longer work because of a disability. The money for Social Security comes from a payroll tax levied on employers, employees and self-employed individuals. When you retire, you'll receive monthly payments based on how much you earned when you were working. |
Tax Assistance
Seniors can apply for tax assistance from several Florida resources. Elderly residents and those with disabilities could be eligible for tax exemptions on medical expenses, reductions on property tax and other tax assistance programs.
| Program Name | Phone Number | Description |
|---|---|---|
| Florida Homestead Exemption | Floridians aged 65+ can get an additional homestead exemption of up to $50,000. The real estate must have a just value of no more than $250,000 and be the applicant's permanent residence for a minimum of 25 years. |
Utility & Energy Bill Assistance
Low-income seniors who are struggling to meet the costs of maintaining their homes can find support from organizations that offer assistance with utility and energy bills. Florida retirees could also qualify for emergency funding programs if they're in danger of losing utility services due to unpaid invoices.
| Program Name | Phone Number | Description |
|---|---|---|
| Florida Low-Income Home Energy Assistance Program (LIHEAP) | The federally-funded program contributes towards energy costs for residents on low incomes up to three times per year (depending on monies available). The local program provider pays the utility company directly. |
Veteran's Services
Florida retirees who have served in the U.S. military can find support from local veteran services. These offices and organizations help vets access the benefits they're eligible for and provide advice and information on a variety of issues.
| Program Name | Phone Number | Description |
|---|---|---|
| Florida VA Benefits and Healthcare | Florida VA Benefits and Health Care serves as a reliable lifeline for senior veterans across the Sunshine State. Through its comprehensive offerings, it provides veterans who meet the service and residency requirements with access to health care services, disability benefits, record-keeping assistance and pension programs. The organization also provides housing solutions through VA home loan programs to help senior veterans build, purchase and improve homes. In addition, it assists in organizing burials and memorials. |
Assisted Living Laws and Regulations in Florida
Assisted living facilities in Florida comply with regulations set by the Agency for Health Care Administration, Bureau of Health Facility Regulation. These regulations ensure a high standard of care for residents by setting minimum requirements for care, staffing and environmental features.
| Topic | Rule |
|---|---|
| Assisted Living Service Plan Requirements | Assisted living facilities must conduct a comprehensive medical examination that outlines a resident’s health status, care needs, and dietary requirements. The evaluation should take place up to 60 days before admission or 30 days after. ALFs should then develop a written service plan that addresses the individual’s needs and preferences. Residents and their representative, guardian, attorney, and/or medical provider should be allowed to participate in developing the plan. |
| Staff Training Requirements | Administrators must complete 26 hours of initial training plus a competency test within 90 days of employment, plus 12 hours of continuing education every two years. Direct care staff must complete at least an hour of in-service training in infection control and three hours of training in topics related to residents’ needs and behaviors. |
| Assisted Living Facility Requirements | Each assisted living facility must be licensed with the state individually. Licenses will specify the type of care the facility is eligible to provide. Extended licenses, called “Specialty licenses”, can be granted in the event a current resident requires care beyond the scope of the current license to prevent the need to move to a new community. |
| Staffing Requirements | ALFs must have an administrator responsible for monitoring day-to-day activities, a direct care staff that provides personal care services, and at least one staff member on-site at all times who’s certified in first aid and CPR. There must be enough staff members on-site at all times to care for residents’ scheduled and unscheduled needs, even if that exceeds minimum state requirements. Licensed nurses are only required in ALFs that provide specialized care. |
| Assisted Living Scope of Care | Assisted living facilities provide housing, 3 meals a day, and one or more personal care services. They may hire or contract with licensed health care providers to perform nursing tasks, including medication administration and medical monitoring. |
| Background Checks for Assisted Living | Anyone employed in a Florida assisted living community must submit to a Level 2 background screening as a condition of their employment, and every five years once employed. Some of the disqualifying criminal charges include felonies, Medicaid fraud, domestic violence, and identity theft. |
| Assisted Living Medicaid Policy | Florida’s Medicaid managed care program covers assisted living services under its Assistive Care Services provision as well as its Long-Term Care Managed Care Program. To accept payment from Medicaid, assisted living facilities must be licensed. |
| Requirements for Reporting Abuse | Per state law, assisted living facility staff are mandated reporters and are required to report observed or suspected abuse, neglect or exploitation. Reports are to be made immediately to the central abuse hotline at (800) 962-2873 or online through the Florida Department of Children and Families. |
| Assisted Living Admission Requirements | Prospective ALF residents must need help with some activities of daily living, and they should be able to participate in social and recreational activities. Facilities are permitted to admit residents who use assistive devices or require some skilled nursing services, as long as the facility can provide that care directly or through a third party. |
| Medication Management Regulations | Only licensed health care workers can administer medication to residents of ALFs. Unlicensed staff can help residents with self-administered medication. This includes bringing premeasured medication to the resident, informing the resident of the medication and dosage, placing the medication in the individual’s hand, applying topical medications, returning medication containers to storage, and recording when a resident took their medication. |
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