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Memory Care in Hawaii
Memory care is a valuable resource for seniors and families in Hawaii. In a state with 1.44 million residents, approximately 20% of the population is aged 65 or older. According to the Alzheimer’s Association, about 29,000 seniors in Hawaii have been diagnosed with the disease, and this number is expected to increase by 30% by 2025. Even with memory care and effective health care services, Alzheimer’s disease is the state’s sixth-leading cause of death.
The median cost of memory care in Hawaii is $6,719. Although this is higher than the national average, it’s lower than many cities, especially those on the West Coast. Older residents benefit from a pleasant year-round climate, with a nearly perfect comfort index of 8.7 out of 10. Seniors who have health concerns can enjoy a high quality of life, thanks to geriatric care specialists and long-term care facilities that are equipped to manage age-related conditions, such as dementia.
Memory care can either be offered on its own in a community designed especially for those with dementia or Alzheimer’s, or, more often, it’s provided as a service in a separate wing of an assisted living facility. Memory care programs are designed specifically for those with memory impairment, and the facilities often coordinate social activities and schedules specifically for the needs of those living with Alzheimer’s or dementia.
This guide provides an overview of memory care costs and financial assistance programs in Hawaii. You’ll also find a directory of free and low-cost resources for seniors and their families.
The Cost of Memory Care in Hawaii
When trying to decide how to pay for memory care, 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.
Inflation's Impact on the Cost of Memory Care in Hawaii
The effect of inflation has been eye-catching in Hawaii, with memory care costs rising a whopping 33.3% from 2022 to 2023. This is substantially higher than the U.S. national average, which rose just 10.4%.
Inflation's impact can also be felt in Alaska, where memory care costs rose 4.4%. In the mainland states closest to Hawaii, inflation has remained relatively modest. In California, for instance, care rose an average of 3.5%, followed by 6% in Florida. Inflation has had the most noticeable impact in Washington state, where the average cost of memory care rose a striking 9.8% in one year.
| Location | 2022 Cost (Historical) | 2023 Cost (Current) | 2024 Cost (Estimated) |
|---|---|---|---|
| Hawaii | $5,453 | $7,271 | $7,215 |
| U.S. Average | $4,863 | $5,369 | $5,792 |
| Alaska | $7,803 | $8,149 | $8,583 |
| California | $5,668 | $5,866 | $6,453 |
| Florida | $4,380 | $4,642 | $4,817 |
| Washington | $6,277 | $6,893 | $7,981 |
The Costs of Other Types of Senior Living
While senior living varies by care type, memory care remains the most expensive option for seniors in Hawaii with an average monthly rate of $7,271. Assisted living is a more affordable option, averaging $6,039 monthly. Independent living is the most cost-effective choice, averaging $4,274 monthly. Since seniors vary in the level of daily assistance they need, it's important to evaluate every option.
Assisted Living
$6,039
Memory Care
$7,271
Independent Living
$4,274
Does Medicaid Cover Memory Care in Hawaii?
Note: For the purposes of this guide, when we say “Memory Care” we are referring to memory care provided in a “social setting,” such as an Assisted Living Facility. This is the most common way to receive Memory Care and is the best fit for all but the frailest seniors. Sometimes the actual service of memory care can be provided in a Nursing Home (“medical setting”), so the financial assistance options will be very different. To learn more about the financial assistance options available for memory care provided in a nursing home, read our guide to Nursing Home Care in Hawaii.
Hawaii provides robust coverage for residential care, medical services and related supports through Med-QUEST. The state follows a managed care model, which means eligible individuals can sign up for an approved plan administered by one of several commercial health insurance providers. All standard benefits are included at no cost. Once enrolled, beneficiaries can change plans during their annual enrollment period.
What Memory Care Services Are Covered by Medicaid in Hawaii?
Med-QUEST covers a wide range of medical and long-term care services, including primary and acute care, prescription medications, behavioral care and long-term services and supports, such as those provided in assisted living. Here are some of the most relevant services for seniors who require memory care:
- Adult day health care
- Assisted living services
- Basic or advanced personal assistance
- Non-medical transportation
- Respite care for family caregivers
- Emergency response systems
- Medical equipment and supplies
- Home-delivered meals
- Housekeeping
- Home maintenance
- Skilled nursing
How to Know if You’re Eligible for Medicaid in Hawaii
Medicaid eligibility is based on a variety of medical and financial criteria, as well as your age and health. Individuals who require a nursing home level of care but prefer to live in a residential setting, including their own home or a memory care unit, can have up to $1,398 in individual monthly income. Assets are typically capped at $2,000, excluding a home, vehicle and other essentials. If you have significant medical bills, this can help to reduce your qualifying income. Your spouse may also be entitled to a monthly personal needs allowance. Learn more about these limits below.
| Household Size | Number of Applicants | Income Limits Per Year* | Asset Limits: Applicant(s) | Asset Limits: Non-Applicants |
|---|---|---|---|---|
| One Person | 1 | $27,420 | $2,000 | |
| Two People | 1 | $27,420 | $2,000 | $148,620 |
| Two People | 2 | $54,840** | $3,000 |
In addition to meeting these financial requirements, individuals must be:
- Aged 65 or older or have a disability
- A permanent Hawaii resident
- Certified as needing a nursing home level of care
How to Apply for Medicaid in Hawaii
There are three ways to apply for Med-QUEST managed care. Choose the one that’s most convenient for you. To apply for Med-QUEST, you can:
- Call the Med-QUEST helpline at (877) 628-5076
- Complete a paper application, and mail it to your local Med-QUEST Division Eligibility Office
- Apply online at MyBenefits.Hawaii.gov for faster service
Information You Will Need
- Name
- Date of birth
- Home address
- Social Security number
- Proof of citizenship or immigration
- Household information
- All sources of income
- Tax filing status
- Insurance details
How to Get Help Applying for Medicaid
If you need help applying for Medicaid or want to check your eligibility, contact one of the following organizations for assistance. Application counselors can help you gather documentation whether you’re applying for yourself or a family member. You also have a right to appeal adverse decisions regarding your application or benefits.
| Program | Contact | Services provided |
|---|---|---|
| Med-QUEST Customer Services Call Center | (808) 524–3370 (Oahu) (800) 316-8005 (Other Islands) | For general inquiries, call the Med-QUEST Customer Services Call Center. Agents can check on your application status, update your personal information, help you enroll in a managed care plan or order a replacement copy of your Medicaid ID card. |
| Med-QUEST Enrollment Services Section | (800) 316-8005 | Once you're approved from Med-QUEST, the next step is to enroll in an approved health plan. If you have questions about your eligibility or how to sign up with a provider, contact the state's Enrollment Services Section for assistance. |
| DHS Application Counselors | Varies By Location | The Department of Human Services maintains a directory of approved Application Counselors located on Oahu, Hawaii, Kauai and Maui. Counselors are employed by local health centers, legal aid societies and other community service organizations. |
| Med-QUEST Determinations and Appeals | (877) 628-5076 | If you disagree with a notice or decision, you can contact your local Med-QUEST office for more information. You have a right to file an appeal and request a hearing within 90 days of the date shown on the notice. |
| Medicaid Ombudsman | (888) 488-7988 (808) 746-3324 (Oahu) | If you're having trouble with your coverage or the services provided, the first step is to contact your health plan. If you still can't reach an agreement, contact the QUEST Integration Ombudsman in your county. |
Does Medicare Cover Memory Care in Hawaii?
The short answer is that no, Medicare does not cover the cost of memory care in Hawaii. As was mentioned above, this doesn’t apply to Memory Care received in a Nursing Home. Since it is the most common to receive memory care in a “social setting” (such as an assisted living facility), Medicare won’t be a viable financial assistance option for most seniors who need Memory Care. However, Medicare will 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 Memory Care in a nursing home, and for Medicare-related resources, see our guide to Nursing Homes in Hawaii.
Other Financial Assistance Options for Memory Care in Hawaii
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 Memory Care 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 Memory Care. |
| 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 Memory 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. 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 Memory Care. 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 Memory Care will not typically be eligible to sign up for a LTC insurance policy. |
Free and Low-Cost Resources for Seniors in Hawaii
There are many resources in Hawaii 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 |
|---|---|---|
| Hawaii Area Agencies on Aging | The Hawaii Agency and Disability Resource Centers manage Area Agencies on Aging throughout the state. Services are provided through County Offices on Aging as well as the Kauai Agency on Elderly Affairs. Programs include help with in-home chores, transportation, personal care and housing assistance with the goal of helping elderly residents to continue living in their own homes or community. Eligibility criteria include being 60 years or older, a resident of Hawaii, a U.S. Citizen or a legal alien. |
Cash Assistance Programs
Cash assistance programs in Hawaii 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 |
|---|---|---|
| Hawaii 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. |
Financial Assistance for Senior Care and Senior Living
Whether living in their own home or in a senior living community, Hawaii seniors can find financial assistance from numerous local resources. These organizations help residents cover some of the costs associated with in-home or long-term care and connect them with other helpful community-based resources.
| Program Name | Phone Number | Description |
|---|---|---|
| Hawaii Medicaid I/DD Waiver | The Medicaid I/DD waiver is Hawaii's 1915c Home- and Community-Based Waiver that the state and federal governments sponsor. It's intended for those with limited incomes and resources. This waiver pays for a wide range of personal care services, including: • Grooming • Housekeeping • Transportation • Meals • Medication administration • Bathing • Toileting • Dressing • Personal emergency response systems (PERS) • Skilled nursing |
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 Hawaii seniors afford the nutritious food they need.
| Program Name | Phone Number | Description |
|---|---|---|
| Hawaii Supplemental Nutrition Assistance Program (SNAP) | The Supplemental Nutrition Assistance Program (SNAP) in Hawaii promotes wellness by offering food benefits to low-income seniors in need. The government-funded program offers electronic benefit transfers that beneficiaries can use at food retailers across the state. The aim of these funds is to increase residents' grocery budgets, enabling them to prioritize buying quality and nutritional foods and snacks. Eligibility is determined based on household size and gross income. | |
| Hawaii Meals on Wheels | Hawaii's Meals on Wheels provides healthy, home-cooked dishes for adults aged 60 and older with disabilities or limited mobility that prevents them from shopping for food or preparing nutritious meals. Costs for the program vary from zero to full price, depending on the ability to pay. Volunteers delivering food ensure seniors receive regular communication and safety checks to confirm their well-being. Seniors with transportation can socialize and eat at local centers, promoting wellness. |
Free Used Medical Equipment
Due to the high cost of purchasing new medical equipment, several organizations in Hawaii collect lightly used medical devices such as wheelchairs, ramps and walkers and distribute them to local seniors and residents in need.
| Program Name | Phone Number | Description |
|---|---|---|
| Assistive Technology Resource Centers of Hawaii (ATRC) | 808-532-7111 | ATRC allows individuals with disabilities to test assistive technologies free of charge to see which ones work best and provide the greatest benefit. The organization also offers training classes on the latest technologies. In addition, the ATRC provides financial aid for wheelchair vans. |
| Relay Hawaii Equipment Program (RHEP) | 808-847-9032 | RHEP provides relay equipment to seniors with communication challenges and those without access to any assistive equipment to keep them connected with family and friends. Training and installation are available at no extra cost. This equipment may include speech-to-speech services (STS) or hearing carry-over (HCO). |
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 Hawaii have different eligibility criteria and often assist retirees by providing grants or loans.
| Program Name | Phone Number | Description |
|---|---|---|
| Hawaii Weatherization Assistance Program | WAP helps seniors on a budget lower their energy costs by updating the weatherization on their homes. This includes installing low-flow showerheads, CFL or LED lighting, advanced power strips, air conditioner replacement, solar water heaters, refrigerator replacement, insulation installation and window and door replacement. |
Senior Engagement
Senior engagement resources and programs in Hawaii 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 Hawaii Chapter | 800-272-3900 | As the Hawaii branch of the national organization, Alzheimer's Association Aloha works to advocate for local seniors and offers education and services to those impacted by Alzheimer's. Supportive services include educational workshops and support groups for seniors to connect with others who share their experiences. |
Social Security Offices
Social Security offices in Hawaii 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 |
|---|---|---|
| Hawaii 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. |
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. Hawaii 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 |
|---|---|---|
| Hawaii Low-Income Home Energy Assistance Program (LIHEAP) | Seniors who find it financially challenging to pay their home energy bills can apply for help once a year through the Hawaii Low-Income Home Energy Assistance Program (LIHEAP). This state-wide program provides emergency assistance to pay heating and cooling bills. LIHEAP provides either an energy credit for eligible seniors or an energy crisis intervention for those at risk of utility disconnection due to nonpayment. |
Veteran's Services
Hawaii 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 |
|---|---|---|
| Hawaii VA Benefits and Health Care | Seniors who served in the armed forces may qualify for benefits through the Hawaii VA Benefits and Health Care program. This veterans services program provides health care and financial aid to veterans. Some older veterans may also qualify for retirement income. The main medical center and regional benefit office are in Honolulu, but there are clinics and centers in other parts of the state. |
Memory Care Laws and Regulations in Hawaii
Hawaii residential care facilities that offer memory care services are licensed, inspected and regulated by Hawaii’s Department of Health, Office of Health Care Assurance. The OHCA does not have specific memory care licensing requirements, although the requirements for assisted living facilities, adult residential care homes and expanded adult residential care homes cover facilities that offer memory care services.
| Topic | Rule |
|---|---|
| Memory Care Laws and Regulations in Hawaii | |
| Scope of Care | Assisted living facilities must provide residents with ongoing health monitoring, medication management, 24/7 supervision and nonmedical care. These facilities may not admit or retain anyone who presents a danger to themselves or others due to aggressive behavior, or those who require around-the-clock skilled nursing care. |
| Care Plan Requirements | All residential facilities must conduct a comprehensive assessment of each resident upon admission, and use this assessment to prepare a personalized care plan that accurately reflects the needs and preferences of the resident. This plan must be reviewed and updated on a regular basis. |
| Medication Management Requirements | Assistance with the self-administration of medications can be provided at the direction of a registered nurse. All resident medications must be stored under lock and key, and prescriptions must be reviewed by a registered nurse or licensed physician at least once every 90 days. Prescription medications that require injection can only be administered by a registered nurse. |
| Staff Screening Requirements | Direct care staff and adult volunteers must complete a comprehensive background check through the Hawaii Background Check System (HI BCD). Those with prior convictions or confirmation of abuse are prohibited from working with vulnerable persons, including residents in long-term care facilities. |
| Staff Training Requirements | Staff must be trained in first aid and CPR, and complete comprehensive orientation prior to commencing work as a caregiver. Staff are also required to take at least six hours of in-service training each year on topics related to senior care and dementia. |
| Medicaid Coverage | The QUEST Integration program covers memory care costs for eligible beneficiaries who require placement in a residential memory care program, although beneficiaries are responsible for the room and board portion of their care costs. |
| Reporting Abuse | Anyone who has concerns about the quality of care provided in a long-term care facility should file a report with the Long-Term Care Ombudsman by calling 808-586-7268. Situations that pose an immediate threat to the health and safety of any vulnerable person, including those living in a memory care community, should be reported to the nearest law enforcement agency. |
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