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Nursing Homes in Minnesota
Minnesota is home to 5,639,632 residents, and seniors aged 65 and older make up 16.3% of the state’s population. The number of older adults living in the state is expected to increase in the coming years, and by 2030, one in five Minnesotans will be a senior.
Of the state’s 919,260 elders, over 23,000 now reside in nursing homes. These highly specialized facilities provide 24/7 skilled nursing care for those with care needs that can’t be supported in a less-restrictive setting. Minnesota seniors who require long-term care may qualify for benefits through Minnesota’s Medicaid program, which covers some nursing home costs for eligible seniors. Statewide, the average cost of a private room in a nursing home is $12,025 per month, while a semiprivate room costs an average of $11,026. This guide covers the basics of nursing home care in Minnesota, including long-term care rates, Medicaid coverage for nursing home care and alternative financing sources. There’s also a summary of the state regulations for nursing homes and a list of free community resources for those who require skilled nursing care.
The Cost of Nursing Home Care in Minnesota
At a monthly average cost of $11,026, nursing home care rates in Minnesota are high in comparison to the national average and rates in most neighboring states. Nationwide, nursing home rates run about $7,756 per month, $3,270 below rates in Minnesota. Rates are also much lower in neighboring Wisconsin ($8,684), Iowa ($6,570) and South Dakota ($7,011). Of the four states bordering Minnesota, only North Dakota has higher nursing home costs at $12,167.
Within Minnesota, nursing home rates range from $9,730 per month in Rochester up to a high of $12,767 in St. Cloud. Costs are just above the state average in Minneapolis ($11,285) and Mankato ($11,482), while nursing home care is somewhat more affordable in Duluth, where monthly rates run about $10,437.
Rochester
$9730
Duluth
$10437
Minneapolis
$11285
Mankato
$11482
St. Cloud
$12767
Nursing homes, also known as skilled nursing facilities, provide the highest level of long-term care for those who require 24/7 medical supervision and support, and that’s why nursing home care is the most expensive care option. Seniors who don’t require the type of medical care that’s available in a nursing home may find that they can safely reside in an assisted living facility, and this type of residential care costs an average of $4,283 per month in Minnesota. Seniors who need adult day health care can expect to pay about $1,979 per month, while 44 hours of weekly homemaker services, also known as home care, cost $5,863 per month. Home health aide services, which include homemaker services plus limited medical care, costs an average of $6,292 per month.
Nursing Home Care
$11026
Adult Day Health Care
$1979
Assisted Living
$4283
Homemaker Services
$5863
Home Health Aide
$6292
Does Medicaid Cover Nursing Home Care in Minnesota?
In Minnesota, there are over 1,213,900 Medicaid recipients. For nursing home residents, Medicaid coverage includes room and board and any medically related social services, as well as medications dispensed by the facility. The program can also cover some Medicare out-of-pocket costs.
There are over 350 nursing homes throughout the state, with all but a few accepting Medicaid. Whether residents need assistance exploring their long-term care options or applying for state medical assistance, the MnCHOICES Assessment can determine the appropriate care type and help find ways to pay for long-term care. Alternatively, qualifying individuals can apply for various HCBS waivers, including the Elderly Waiver, to receive nursing-level care in a noninstitutionalized setting, such as assisted living. The Alternative Care (AC) programs support individuals who don’t qualify for Medicaid.
Medicaid Eligibility in Minnesota
The 2023 income and asset limits for single applicants are $1,215 per month and $3,000, respectively. These figures increase to $1,644 and $6,000 if both individuals are applying for Medicaid. However, if one person in a two-person household applies, the asset limit is $3,000 for the applicant and $148,620 for the non-applicant. The higher figure is established to financially protect the spouse who is not in long-term care.
2022 Medicaid Income Limits for Seniors in Minnesota
| Household Size | Number of Applicants | Income Limits Per Year* | Asset Limits: Applicant(s) | Asset Limits: Non-Applicants |
|---|---|---|---|---|
| One Person | 1 | $14,580 | $3,000 | |
| Two Person | 1 | $14,580** | $3,000 | $148,620 |
| Two Person | 2 | $19,728 | $6,000 |
*Except for a $121/mo. personal needs allowance, Medicare premiums and possibly a spousal income allowance for a non-applicant spouse, all of a recipient's monthly income must be put toward the cost of nursing home care.
**Income limit is for applicant only.
Keep in mind there are more requirements than just meeting the income limit. Individuals must reside within the state in which they are applying for benefits and prove they’re in need of nursing-level care. Individuals who don’t meet the income requirement may be able to spend down on necessities to qualify for Medicaid coverage. Other requirements include:
- Proof of American citizenship
- Any relevant military documents
- Property deeds
How To Apply for Medicaid in Minnesota
Seniors and their loved ones can apply for Medicaid online or in person. Those who prefer to apply for Medicaid in person can go to their local tribal or county office. To apply online, Minnesota residents can use MNSure. Paper applications can be printed out in a PDF form or residents can call (651) 431-2670 to request an application be sent by mail. Individuals who need assistance applying for Medicaid can call (855) 366-7873. Before applicants begin the process, they should prepare all the necessary documentation.
Information You Will Need:
- Copy of birth certificate
- Social Security card
- Proof of citizenship (e.g., green card) if born outside the United States
- Medicare card
- Proof of earned and unearned income, including Social Security benefits
- Documents verifying pensions, including a letter from the provider
- Copies of life insurance policies
- Proof of real property sold or transferred within the previous 60 months (from the application date)
- Proof of car registration and insurance
- VA discharge papers (DD 214) for veteran applicants
- Copies of trusts and wills, as well as powers of attorney
- Any other documents that the applicant thinks will validate their claim
Additional Medicaid Support & Resources in Minnesota
Applying for and maintaining Medicaid benefits can seem like a lot to handle. Fortunately, several organizations educate beneficiaries about their coverage options and finding low-cost services or financial assistance programs.
| Resource | Contact | Services |
|---|---|---|
| Medicaid Planning Assistance | Online Only | Provided by the American Council on Aging, Medicaid Planning Assistance can help families and seniors better understand what Medicaid covers and find ways to supplement their coverage to limit their out-of-pocket medical expenses.The website offers a guide to the different types of Medicaid planners available plus information for self-planners. |
| Minnesota Area Agencies on Aging | (651) 431-2500 | With seven offices located throughout the state, Minnesota' Area Agencies on Aging provide information and referral assistance for local services and programs designed to improve the quality of life of aging residents. Representatives can help seniors and loved ones find ways to pay for long-term care, as well as explore their long-term care options, including ways to avoid nursing home placement. |
| Benefits.gov | (800) 366-5411 | As the official website for public benefits provided by the U.S. Government, Benefits.gov gives users the ability to apply for financial assistance programs and services that work alongside Medicaid and Medicare coverage. The Benefit Eligibility Screening Tool (BEST) can determine if an individual qualifies for benefits before they apply. |
| MNSure | (651) 539-2099 | MNSure certified Navigators (case managers) specialize in helping seniors and people with disabilities who are enrolled in the state Medicaid program. Unlike state-certified Medicare counselors, navigators can help you apply for coverage, but they can't provide advice about insurance plans. |
Does Medicare Cover Nursing Home Care in Minnesota?
Medicare provides limited coverage for short-term stays in a skilled nursing facility following a hospital stay, but seniors must meet a number of specific requirements. This benefit is available to beneficiaries who have been hospitalized for at least three days, excluding the date of discharge, so it’s most valuable for those who are recovering from an injury, illness or surgery.
Once seniors meet the hospitalization requirement, Medicare will pay for up to 100 days of skilled nursing per benefit period. The first 20 days are covered in full. Starting on day 21, beneficiaries must pay a daily coinsurance rate. After day 100, seniors are responsible for the entire cost.
What Does Medicare Cover?
Medicare covers a number of specific services, including:
- Meals
- A semiprivate room
- Medications
- Skilled nursing
- Physical therapy
- Occupational therapy
- Speech therapy
- Audiologist care
- Medical supplies
- Medical social services
- Nutritional counseling
- Ambulance transportation
What Isn’t Covered by Medicare?
Medicare does not cover long-term custodial care that addresses seniors’ day-to-day needs. This includes help with daily activities, such as bathing, dressing and using medical equipment.
For more information about Medicare and when it covers Nursing Home Care, read our Guide to Nursing Homes.
Medicare Support and Resources in Minnesota
When trying to find resources to cover the cost of skilled nursing care, it can be disappointing to learn that Medicare doesn’t cover 100% of long-term care expenses. Luckily, there are services dedicated to helping qualifying families find financial assistance programs or free personal care services that work along with Medicare.
| Program | Contact | Service |
|---|---|---|
| Medicare Counseling from Senior LinkAge Line | (800) 333-2433 | Medicare counselors with Minnesota Senior LinkAge Line provide free and unbiased health insurance advice to beneficiaries and their families. The program can help seniors better understand their health insurance coverage and assist them with maintaining their benefits. Counselors have experience with filing claims for care and appealing claim denials. Financial assistance may be available for qualifying seniors to cover out-of-pocket expenses for prescription medications and medical assistive devices. |
| BenefitsCheckUp | (800) 794-6559 | Partnered with the American Council on Aging, BenefitsCheckUp is a website offering a convenient way to search for local and statewide benefits. Available in English and Spanish, the website allows users to search using their location or for the specific resources they need. After answering a quick questionnaire, families and seniors can view programs and services ranging from Medicare savings programs to tax relief programs. |
| Medicare.gov | (800) 633-4227 | The official Medicare website allows beneficiaries to maintain their benefits using an online account, where they can view the status of claims and update their health history and prescription drug information. Users can search for Medicare-registered care providers and medical equipment suppliers. The website also has a library of information regarding Medicare basics and supplemental coverage options. |
Other Financial Assistance Options for Nursing Home Care in Minnesota
While Medicaid and Medicare are two of the most common programs used to pay for Nursing Home Care, there are other financial assistance options available, depending on your unique situation.
| 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 skilled nursing 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 nursing 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 skilled nursing 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 skilled nursing care will not typically be eligible to sign up for a LTC insurance policy. |
Free and Low-Cost Resources for Seniors in Minnesota
There are many resources in Minnesota 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 |
|---|---|---|
| Minnesota Area Agencies on Aging | Area Agencies on Aging in Minnesota provide an array of services designed to promote independence and enhance the quality of life for older individuals. Meal programs help ensure seniors receive adequate nutrition, and transportation programs enable seniors to attend medical appointments and run errands. Wellness-focused services include exercise classes, social opportunities, health screenings and support groups. Seniors can obtain assistance completing benefits applications and health insurance counseling, and they can get legal advice, advocacy, options advice and respite services. |
Cash Assistance Programs
Cash assistance programs in Minnesota 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 |
|---|---|---|
| Minnesota 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, Minnesota 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 |
|---|---|---|
| Alternative Care Program | 651-431-2000 | Seniors participating in the Alternative Care Program can receive a wide range of in-home services, including skilled nursing, homemaker services and assistance with chores. The program also provides home-delivered meals and personal emergency response systems. To qualify, seniors must be over the age of 65, meet income and asset guidelines and require a nursing facility level of care. |
| Minnesota Elderly Waiver | 800-333-2433 | Seniors who require a nursing home level of care but wish to remain at home or in the local community can access home and community-based services via the Elderly Waiver. |
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 Minnesota seniors afford the nutritious food they need.
| Program Name | Phone Number | Description |
|---|---|---|
| Minnesota Food Pantries | Food pantries provide nonperishable food products such as canned fish, pasta and rice to older adults in Minnesota who require it most. Each organization has its own rules and criteria for eligibility and access, which you can find on its website. | |
| Minnesota Hunger Solutions Food Pantry | 651-486-9860 | The Minnesota Hunger Solutions Food Pantry takes both an immediate and long-term approach to supporting the state's hungry seniors. MHSFP directly provides help to local food pantries throughout the state, and its Minnesota Food HelpLine assists low-income individuals with setting up SNAP benefits and finding nearby farmers' markets. In addition, the organization maintains a Market Bucks program that helps SNAP users get two to three times the value of their SNAP benefits. |
| Minnesota Meals on Wheels | Minnesota Meals on Wheels is part of a nationwide network of food assistance programs open to seniors ages 60 and over. Those who can safely attend congregate meals can enjoy them at their local senior center, while those who are homebound may receive them delivered to their front door. Meal deliveries to seniors include safety checks as a support service in the case of a fall, accident or emergency. Pricing ranges from no cost to full cost based on income. |
Free Used Medical Equipment
Due to the high cost of purchasing new medical equipment, several organizations in Minnesota 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 |
|---|---|---|
| ConnectAbility of Minnesota | ConnectAbility of MN is a nonprofit that advocates for people with disabilities in Minnesota. Its services are available to people of any age who require support with a health care issue. Its donated equipment program is available to everyone who lives in the state, and there's usually a wide range of equipment available. | |
| Minnesota Seniors Mobility | Seniors Mobility is a nationwide nonprofit that provides comprehensive listings of free assistance devices and other independent living resources in Minnesota. | |
| Minnesota/North Dakota/South Dakota Chapter ALS Association | 888-672-0484 | The local ALS Association loans medical equipment to seniors who are living with amyotrophic lateral sclerosis or a related motor neuron disease. Eligible seniors can borrow assistive devices or durable medical equipment at no charge. Some items that may be available include wheelchairs, shower chairs and portable ramps. |
Health Insurance & Prescription Drug Coverage for Seniors
Minnesota 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 |
|---|---|---|
| Minnesota Drug Card Program | The Minnesota Drug Card program provides eligible seniors with discounts of up to 80% off of their out-of-pocket prescription drug costs. There's no cost to apply for the card, though you must be a U.S. citizen and resident of Minnesota with a financial need for the discount program. |
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 Minnesota have different eligibility criteria and often assist retirees by providing grants or loans.
| Program Name | Phone Number | Description |
|---|---|---|
| Minnesota Rehabilitation Loan/Emergency and Accessibility Loan Program | The Rehabilitation Loan/Emergency and Accessibility Loan Program lends up to $27,000 to low-income homeowners who need help paying for repairs that impact the safety, energy efficiency, accessibility or habitability of their home. | |
| Minnesota Weatherization Assistance Program (MWAP) | Low-income seniors can get free home energy upgrades, whether they rent or own a property, with the MWAP. It aims to reduce energy bills and ensure your home is healthy and safe. |
Legal Resources
Many organizations offer free or low-cost legal services to Minnesota 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 |
|---|---|---|
| Minnesota Office of Ombudsman for Long-Term Care | 800-657-3591 | The Office of the Ombudsman for Long Term Care advocates on behalf of seniors in care facilities. They listen to the concerns of seniors and their families and work with care providers to improve the quality of care given to older adults. |
Senior Centers
Senior centers in Minnesota 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 |
|---|---|---|
| South Carolina Multipurpose Senior Centers | 800-868-9095 | South Carolina's Multipurpose Senior Centers offer residents a place to gather, share meals in a congenial setting, participate in wellness classes and generally remain active in their communities. These centers also act as a first stop for many seniors seeking benefits assistance. Public benefits counseling and transportation services are just a small sample of the help that may be available at a local senior center. |
Senior Engagement
Senior engagement resources and programs in Minnesota 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 |
|---|---|---|
| Lutheran Social Service of Minnesota | 888-205-3770 | This companionship service is offered by Lutheran Social Service of Minnesota to seniors throughout the state who could benefit from the friendship of a caring individual in their own home. Volunteers in this program are available to provide everything from a friendly conversation buddy and game partner to an errand runner and correspondence assistant. |
| Minnesota Seniors | 763-780-8309 | A free resource for seniors and caregivers, Minnesota Seniors offers information about assisted living facilities, links to state and government webpages and a comprehensive directory of healthcare services, which includes information about personal emergency response systems, transitional care and podiatry clinics. |
| MinnesotaHelp.info | MinnesotaHelp.info provides a comprehensive online resource database for individuals, families and caregivers. Its Long-Term Care Choices Navigator tool helps seniors build a plan of care based on their needs and available service options, while the dedicated Focus on Seniors page presents an organized directory of various government, nonprofit and for-profit programs. These resources include senior centers, adult day care services, affordable housing, prescription drug assistance, assistive technology and financial help. |
Social Security Offices
Social Security offices in Minnesota 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 |
|---|---|---|
| Minnesota 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 Minnesota 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 |
|---|---|---|
| Senior Property Tax Refund - Minnesota Department of Revenue | 800-652-9094 | Seniors can lower their property tax bills with the Senior Property Tax Refund program from the Minnesota Department of Revenue. This program reduces the property tax bill based on the household's income. It is available to adults aged 65 and older or adults of any age who have permanent and total disability. Seniors use an online application to apply for this refund. |
| Senior Citizens Property Tax Deferral Program | 800-657-3666 | Seniors with high property taxes relative to their income can receive a full or partial property tax deferment through the Senior Citizens Property Tax Deferral Program. |
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. Minnesota 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 |
|---|---|---|
| Minnesota Energy Assistance Program | 800-657-3710 | Administered by the Minnesota Commerce Department, the Minnesota Energy Assistance Program can provide up to $1,400 in energy and water bill assistance for state seniors who qualify under income guidelines. Maximum income limits are tied to the number of people in the household. This free, federally funded program, available to renters and homeowners, pays water, energy and fuel companies directly and works in conjunction with local service providers in Minnesota. |
Veteran's Services
Minnesota 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 |
|---|---|---|
| Minnesota VA Benefits and Health Care | Minnesota VA Benefits and Health Care services help seniors in the state navigate the benefits available to them when they reach age 65. Elderly veterans have access to aid and attendance, increasing their monthly military pension to pay for in-home services, such as help with daily living activities or for skilled nursing care or memory care in a senior living center. Additionally, family members can receive assistance with funeral planning and burial arrangements. |
Nursing Home Laws and Regulations in Minnesota
| Nursing Home Laws and Regulations in Minnesota | |
|---|---|
| Licensing Requirements | Nursing homes in Minnesota must have a valid state-issued license in order to operate. Every facility that provides care to five or more individuals must hold a valid state-issued nursing home license. |
| Staffing Requirements | Every nursing home in Minnesota must have an on-site administrator licensed by the Board of Examiners for Nursing Home Administrators. The administrator's name and their designated substitute must be posted in a public location within the facility. At least one responsible caregiver aged 21 or older must be on-site, awake and on-duty at all times. Shifts may not exceed 12 hours in length, and there must be one designated shift leader at all times with keys that open all locking doors in the facility. |
| Staff Training Requirements | All staff who have direct contact with residents must complete pre-employment and ongoing in-service training that includes an overview of resident rights, nursing home regulations and safety procedures. Direct care staff must work under the supervision of a licensed medical professional, such as a physician or registered nurse. |
| Admission Restrictions | Nursing homes may only admit and retain residents with care needs that cannot be safely met in a less-restrictive setting. Residents may only be discharged from a nursing home if the facility closes or cannot support their needs; the resident owes rent; they no longer need 24/7 skilled nursing care; and/or the resident poses a threat to other residents within the facility. |
| Care Planning Requirements | Within seven days of admission, a comprehensive care plan must be prepared for each resident that outlines details such as their medical history, cultural and religious preferences and care needs. This care plan needs to include input from the attending physician, a registered nurse, the resident and/or their legal guardian, and it should be reviewed at least once every three months or more frequently if the resident experiences significant health changes. |
| Dietary and Nutritional Services Requirement | Nursing homes are required to provide residents with three daily meals plus snacks. Meals must be approved by a licensed dietician, and menus must be posted in a public area within the facility. Within reason, nursing homes should strive to accommodate dietary preferences. |
| Specialized Rehabilitative Services | Nursing homes may offer specialized rehab services such as speech and language therapy, physical therapy and behavioral services. If a facility does not have qualified staff to deliver rehab services, the nursing home must have a written agreement in place to provide rehab services through another facility, company or agency. |
| Medication and Pharmaceutical Services | Medication can only be dispensed by staff who are qualified to do so, such as licensed practical and registered nurses and caregivers who have completed an approved medication management training program. |
| Activities Requirements | Nursing homes need to provide residents with daily age-appropriate recreational activities |
| Infection Control Requirements | Every nursing home needs to develop and implement a written safety plan that includes infection control steps to prevent the transmission of communicable illnesses and diseases among residents and staff. |
| Medicaid Coverages | Minnesota Medicaid, known as Medical Assistance, helps cover nursing home costs for beneficiaries who require the level of care provided in a skilled nursing facility. |
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