Memory Care Communities in Germantown, Maryland

The cost for a memory care facility in Germantown is fairly expensive at $7,435 per month. That’s higher than the average statewide cost of $6,560 and $1,810 higher than the national average. As for nearby cities, Germantown’s memory care facility costs are $1,497 higher than in Baltimore and $1,647 higher than in Hagerstown. Germantown is also $875 higher than average rates in Cumberland. 

Note: Residential memory care is usually offered in assisted living facilities, and in general, memory care rates tend to be 20-30% higher than assisted living rates. No national database currently tracks memory care costs in the United States, so we’ve estimated the monthly memory care costs listed below by adding 25% to the rates listed in Genworth’s 2021 Cost of Care Survey.

Expect memory care in the Germantown area to cost roughly $7,435 per month. Costs may vary depending on the size of the facility and the amenities offered. 

While many families use their own funds or personal assets to pay for memory care, there are plenty of additional options to cover these costs. Some additional ways to finance memory care costs include:

• Veterans Benefits
• Life Insurance Policy
• Long-Term Care Insurance
• Reverse Mortgage

For more information about different ways to finance memory care, visit our In Germantown there are options for seniors who need financial assistance paying for Memory Care. For more information about other options, who qualifies, and how to apply, visit our Memory Care in Maryland page.

For those looking to keep costs down, there are other options available. In-home care and home health care will save roughly $2,100 per month compared to a memory care facility, while assisted living will save around $1,500 per month. Adult day health care is the least expensive option at $2,282 per month. Nursing facilities are the most expensive option at $11,467 per month.

Assisted living programs in Maryland are licensed and regulated by the Maryland Health Care Commission. This includes memory care facilities, as the state allows assisted living programs to provide specialized memory care. Its site contains a comprehensive directory of facilities that makes it easy to filter for those that specialize in Alzheimers care. 

• Though Germantown itself is home to only one hospital, the Holy Cross Germantown Hospital, there are an additional four hospitals within a 20-mile radius. Holy Cross prioritizes medical care for those ages 65 and older. In 2008, it became the first hospital in the country to start a Seniors Emergency Center for elders in need. Its goal is to provide medical care that’s specialized for the elderly while keeping stress and anxiety to a minimum.
• Germantown is located just outside of Washington D.C., so it’s no surprise that the cost of living is 15.5% higher than the national average. However, health care costs are about 13% lower than average, which may help offset the higher overall cost.
• For those who like the variety of four seasons, the city won’t disappoint. Germantown averages 197 sunny days per year and experiences 43 inches of rain and 25 inches of snow annually. The most comfortable months in terms of weather are September, June and May. Even during the warmest month of the year, July, temperatures typically stay lower than 85 degrees. In January, the coolest month, temperatures are rarely lower than 25 degrees. 
• When compared to the state and the nation, Germantown’s crime rates are very low. Violent crimes are 97.89% lower than the national average, and the overall crime rate is 85.41% lower. Compare this to Maryland’s crime rates,  with violent crimes 40.96% higher than the national average and an overall crime rate that’s 24.91% higher. 
• Montgomery County, home to Germantown, has been a member of the AARP’s network of age-friendly communities since 2015. The county has a 40-member advisory group that leads the charge, including physicians and members of several government agencies including Health and Human Services, the Department of Recreation and Aging and Disability Services. In addition to many other initiatives, it works with senior housing facilities to ensure they get the information necessary to access relevant programs and services offered by the county and state.