4 Assisted Living Communities in Daphne, Alabama

The average cost of assisted living in the city is $3,850 a month. This guide is a starting point covering the cost of assisted living care in the city, as well as financing options to pay for it. You’ll find in-depth information on 4 Assisted Living Communities in Daphne and several in surrounding areas.

The Cost of Senior Care in Daphne, AL

• Assisted Living: $3,850
• Nursing Home Care: $6,448
• In-home Care: $3,432
• Adult Day Health Services: $1,517

 

The monthly cost of assisted living in Daphne is $3,850, which is $150 below the national average. Compared with Alabama’s state average, assisted living costs in Daphne are nearly $600 more expensive. According to the Genworth 2018 Cost of Care study, this is the second highest average cost in Alabama. Daphne is only slightly less expensive than Montgomery, where the cost is $3,992 per month. The least expensive assisted living costs are found in Gadsden, where the average is $2,075 per month. 

Senior care costs are shown to vary based on the type of care and level of service. In Daphne, this especially noticeable when comparing the cost of assisted living to nursing home care, which is more than $2,500 higher. Assisted living costs about $400 more per month than home care services. For a true cost comparison, it’s important to take household operating costs into account, such as rent or mortgage payments, utilities and meals. While these are necessary expenses for those receiving home care, the monthly fees for assisted living usually include room and board that covers such costs.

 

Alabama’s Medicaid program provides health insurance to low-income residents including aged, blind and disabled persons. It covers a broad range of health care services including doctor visits, hospital inpatient and outpatient care, diagnostic testing and prescription medications. As in most states, Alabama’s Medicaid plan is administered by the state but jointly funded and regulated by the federal government. 

To qualify for the state Medicaid plan as a senior, applicants must be 65 years of age or older. Financial requirements stipulate that single applicants can have a maximum income of $791 per month and up to $2,000 in countable assets. Married applicants are allowed a maximum income of $1,177 per month and up to $3,000 in assets. Although all income counts, some assets don’t, such as an applicant’s home providing it’s occupied, a single vehicle and personal belongings such as jewelry and household furnishings. 

To apply for Medicaid, Daphne residents can visit the Mobile Medicaid office at 2800 Dauphin Street, Suite 105, or call (866) 371-4078.

Alabama Community Transition Waiver

Alabama’s ACT waiver provides assistance for seniors and disabled persons to transition from a nursing facility back into their home or an assisted living facility. In addition to covering transition and moving costs, this waiver covers other services such as case management, nurse visits and necessary medical equipment and supplies.

The program is available to Alabama residents of all ages, provided they live in a nursing facility and are capable of transitioning into a community setting that provides a lower level of care. Any senior who wishes to take advantage of the waiver program must be assessed to determine if they can reside in the community safely with the provided services and support. They must also meet the program’s financial requirements of a monthly income below $2,313 and a maximum of $2,000 in countable assets. 

To apply for this waiver, individuals can contact the Alabama Department of Senior Services at (800) 243-5463.

Optional State Supplementation

Alabama’s OSS program provides a cash benefit to aged, blind and disabled individuals who require long-term care. This monthly payment can be used to cover assisted living facility expenses that aren’t paid by the state Medicaid plan and its waivers.  To qualify for OSS payments, applicants must receive or be eligible for federal Supplemental Security Income benefits.

To learn more or to apply for SSI or OSS benefits, seniors can contact the Social Security Administration at (800) 772-1213. 

Elderlife Bridge Loan

Seniors who are unable to cover the upfront costs associated with moving to an assisted living facility may find a short-term solution with a bridge loan from Elderlife Financial Services. These loans can be applied for online or by phone, and approval decisions and access to funds often take place within one business day. Elderlife loans have repayment terms of up to 24 months, which allows a senior ample time to arrange a long-term source of assisted living funding.

For more information or to apply, Daphne seniors can call (888) 228-4500 or complete an application online. 

The Area Agency on Aging and the Council on Aging provide and facilitate a range of senior services. Both are nonprofit government agencies that work to protect the best interests of Daphne senior citizens and their caregivers. Services and programs provided by these agencies include health and wellness classes, prescription assistance and benefits assistance. Area Agency on Aging
110 Beauregard St, Mobile, AL 36633
(251) 706-4680 Baldwin County Council on Aging
22261 Palmer St, Robertsdale, AL 36567
(251) 972-8506

Senior veterans living in the Daphne area can inquire about or receive assistance applying for pensions and benefits by contacting the Alabama Veterans Administration office. Primary and mental health care and lab services are available at the Mobile VA Outpatient Clinic.  

Mobile County VA Service Office
1150 Government St #107, Mobile, AL 36604
(251) 574-8578

Mobile VA Outpatient Clinic
4444 Demetropolis Rd, Mobile, AL 36619
(251) 219-3900

Senior Homes has an extensive directory of senior living options, with care and living providers across the United States.