Memory Care Communities in Saginaw, Michigan

The monthly cost of memory care in the Saginaw area is more affordable than the state, nation and most nearby cities. It’s only $32 less per month than the state average, $110 less expensive than Lansing and $188 less per month than Flint. Bay City and Midland are the most expensive averages in the area, costing residents $250 to $300 more on a monthly basis than Saginaw seniors. 

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.

The average cost of full-time memory care in a facility in the Saginaw area is $5,281 per month.

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 Memory Care in Michigan page.

Full-time memory care in Saginaw is the most expensive senior living option, except for nursing homes. On average, a semiprivate room in a nursing home can cost about $8,517 per month and a private room can cost $9,201. In-home and home health care both run $1,086 cheaper per month than memory care, while assisted living is also roughly $1,056 less expensive. The most cost-effective monthly option is adult day health care, at $1,950. However, this may only be a good option for seniors who have caregivers living with them to handle the evening hours. 

Michigan’s Department of Health and Human Services oversees licensing for all memory care facilities in the state. It also investigates complaints and monitors facility operations to ensure each facility lives up to high standards of care.

• Saginaw has a varied climate over the course of a year, which results in four distinct seasons. The area has warm, humid summers with highs of just over 80 degrees, but winters are cold with lows of around 15 degrees. Precipitation is very common in Saginaw, with annual totals averaging 32 inches of rain and 41 inches of snow. Fortunately, those in memory care residences can avoid these excess amounts of precipitation with indoor activities offered by facilities.
• Crime is an issue in Saginaw. On a 100-point scale, Saginaw rates 77.6 for violent crimes compared to the national average of 22.7. However, there has been a marked decrease in overall criminal activity, a trend that may continue. Property crimes average 34.2 compared to the national average of 35.4, but these types of crimes don’t directly impact the seniors living in memory care facilities.
• With five major hospitals located in Saginaw county, including Ascension St. Mary’s Hospital, Aleda E. Lutz VA Hospital and Covenant Health Care, good medical care is easily accessible. The Great Lakes Bay Health Centers are headquartered in downtown Saginaw, and they will not turn anyone away who is unable to pay for their services. 
• In Saginaw, there are 240 doctors per 100,000 residents compared to the national average of 210, and 82 of them specialize in the treatment of dementia. The cost of health care makes seeing these doctors easier for those with limited funds, as the health cost index for Saginaw is well below the national average. 
• For families who want to visit their senior relatives in memory care in Saginaw, the trip can be simple. Those who prefer private transportation can fly into the Saginaw County Browne Airport, which is located less than five miles outside of downtown Saginaw. Roughly 20 minutes away, the MBS International Airport can handle visitors coming in from other countries or states.