Memory Care Communities in Raymore, Missouri

Seniors in Raymore pay $5,731 for residential memory care services, which is hundreds of dollars higher than the U.S. rate of $5,625 and thousands of dollars over the Missouri norm of $3,750. Several cities in the region offer comparatively affordable care, including St. Joseph, where residents pay $4,844 for services. Similarly, in Springfield, memory care facilities charge $4,063, and in Columbia, seniors pay $3,500 for this level of care.

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.

In Raymore, memory care facilities charge median monthly rates of $5,731 for care.

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 Missouri page.

Memory care rates in Raymore come in at about $5,731 per month, making it the second most expensive type of senior care in the city. Only nursing home care, which is for seniors who need around-the-clock medical support and supervision, is costlier at $6,464 per month. On the other hand, agencies charge competitive rates of $4,957 for in-home care, a private nonmedical option that includes personal care, and home health care, which features limited skilled nursing services along with custodial care. Older adults who don’t need memory support pay $4,585 for assisted living, a residential option that includes daily meals and recreational activities, and nonresidential adult day health care facilities charge lower rates of $1,733 for personal care and medical monitoring.

The Missouri Department of Health and Senior Services licenses all memory care communities in Raymore and requires them to comply with rules for caregiver screening and training, building features and care planning. The department also publishes information on paying for memory care and how to report incidents of abuse, neglect or exploitation.

 

• Raymore’s crime rate comes in at about 16 incidents per 1,000 residents, including about one violent crime and 15 nonviolent offenses, making it safer than 29% of U.S. communities and 32% of Missouri cities. Overall, residents have a 1 in 61 chance of becoming a victim of either type of offense but only a 1 in 807 chance of experiencing a violent crime. Fortunately, memory care facilities keep residents safe through monitored surveillance systems and security gates.

 

• Missouri’s tax laws are moderately friendly toward retirees, depending on the individual’s annual income, helping many seniors afford memory care costs in Raymore. Starting in 2024, seniors aged 62 and over don’t pay state income taxes on their Social Security income, regardless of their annual income, and seniors who draw government pension income can claim a deduction of up to $46,381. The state taxes remaining income at rates of up to 4.95%, but there’s an exemption available to those whose income is $25,000 or less.

 

• Living costs in Raymore run 2.8% lower than the U.S. norm, with residents paying about 13% less for housing and 7% less on transportation. Additionally, health care costs come in about 1% below national norms, which benefits seniors managing chronic health conditions, such as Alzheimer's disease.

 

• During the summer, Raymore residents see an average daily high temperature of 79 degrees Fahrenheit, although extreme temperatures may climb as high as 97 degrees Fahrenheit. Winters are relatively mild with daily temperatures falling between 40 and 49 degrees Fahrenheit and nighttime temperatures as low as 7 degrees Fahrenheit. Annually, residents see about 96 days with measurable precipitation, and skies are partly cloudy year round. To engage residents throughout the year, memory care communities host a variety of indoor and outdoor activities, depending on weather conditions.  

 

• Out of Missouri’s 115 ranked counties, Raymore’s Cass County comes in 10th for overall health. Its average life expectancy aligns with the national norm at 78.3, but there is only one primary care physician per 4,450 residents compared to 1,310 nationally. However, many memory care communities have on-call doctors who provide routine care for residents.