14 Assisted Living Communities in Mobile, Alabama

The average cost of assisted living in the city is $3,424 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 14 Assisted Living Communities in Mobile and several in surrounding areas. The Cost of Senior Care in Mobile, AL

• Assisted Living: $3,424
• Nursing Home Care: $6,388
• In-home Care: $3,337
• Adult Day Health Services: $390

According to Genworth’s 2018 Cost of Care study, assisted living in Mobile is moderately lower than the national average of $4,000 and only slightly higher than the state average of $3,271. Mobile’s cost for assisted living is on par with other similarly sized cities, such as Huntsville ($3,495) but less expensive than other, larger cities such as Birmingham ($3,992). Overall, aside from Gadsden ($2,075), assisted living in cities across Alabama can cost anywhere from $2,900 to $3,900. 

The costs associated with senior care depend on both the location and the level of care offered. In Mobile, nursing home care is nearly twice the cost of assisted living or homemaker services. Assisted living is priced similarly to homemaker services — $100 more per month — and $200 less per month than home health aides. These home health care services do not include other expenses associated with living in your own home, such as rent, utilities, food and maintenance. These additional costs are usually included in assisted living care.

 

Jointly funded by the national and state governments, Medicaid offers free or low-cost health insurance to certain groups of low-income Americans. Providing a broad spectrum of health coverage, including nursing home care and hospital visits, Medicaid has specific income and asset requirements, which are determined by Alabama Medicaid.

In Alabama, two main pathways exist for seniors who meet the financial requirements: Institutional Medicaid and the Elderly and Disabled waiver. Institutional Medicaid is for those in nursing homes and hospitals, and the ED waiver is for seniors who require a nursing level of care but who wish to remain in their homes and communities. 

Low-income seniors with monthly incomes of $2,250 and resources of $2,000 or less are eligible for Medicaid. Married couples who are both applying are allowed an income of $4,626 and resources of $4,000. Income that Medicaid applicants receive from any source is counted, including wages, pension payments, Social Security income, Social Security Disability income and IRA withdrawals.

Resources are counted similarly; some examples are mortgages, cash surrender value of life insurance over $5,000, stocks and bonds, bank accounts, and mineral and timber rights. Some assets are excluded, including personal effects, burial funds up to $5,000, one automobile if used by a household member and a primary residence that meets specific conditions. To learn more or to apply for Alabama’s Institutional Medicaid, you can connect online or call (800) 362-1504.

Elderly and Disabled Waiver (ED Waiver)

One of the Home and Community-Based waiver services, the ED waiver is intended to administer services to the elderly to keep them in their homes and communities and delay the transition to a nursing facility. Operated by the Alabama Department of Senior Services, the ED waiver has income and resource requirements similar to Medicaid (individuals may have incomes up to $2,313 and assets at $2,000 or less). Applicants must also require a nursing facility level of care to qualify. In addition to all basic Medicaid services, those served by the ED waiver are eligible for homemaker services, adult companion services, personal care and home-delivered meals. Enrollment is limited, and applicants may experience a waiting period before coverage begins. To learn more about the ED waiver, call (800) 362-1504, download the application or contact the Mobile District Office at (866) 371-4078.   

Alabama Community Transition Waiver

The ACT waiver serves individuals currently living in a nursing care facility who wish to return to their homes or communities. Income and asset requirements are the same as for the ED waiver ($2,313 for income and $2,000 for assets), and seniors must require a nursing facility level of care. This waiver includes an option that allows recipients to be more involved in controlling and choosing their long-term supports and services. In addition to the services offered by the ED waiver, transitional services, medical equipment and home modifications are offered to those served by the ACT waiver. For more information or to apply, download the application, call (800) 362-1504 or contact the Mobile District Office at (866) 371-4078.   

PACE
The Program of All-Inclusive Care for the Elderly, known as PACE, provides community-based services for the elderly to allow them to continue living within their homes and communities. Designed to help recipients address their health care needs with greater flexibility, PACE provides medical and social services within an adult day care facility supplemented with at-home support services. Seniors who are 55 or older and Medicaid recipients who require the kind of care provided by nursing homes are eligible to apply. In addition to primary care, PACE services include but are not limited to:

• Social services

• Hospital care

• Prescription drugs

• Dentistry

• Personal care

• Nutritional counseling

• Physical therapy

• Transportation

Those who are seeking more information about PACE in Mobile should contact Alabama Medicaid or the Mobile District Office at (866) 371-4078.

Veterans Aid and Attendance
Senior Alabama veterans and their spouses may be eligible for Aid and Attendance, a top-up pension program that can contribute toward the costs of assisted living. To qualify, applicants must require assistance with some activities of daily living, such as dressing, grooming, bathing or eating. To learn more or apply, visit the U.S. Department of Veterans Affairs Aid and Attendance page or contact the Pension Management Center serving Alabama at (608) 758-9300.

Seniors of Mobile aged 60 and older can access the Area Agency on Aging’s many support services. The Aging and Disability Resource Center offers counseling and assistance with benefits, screening for in-home care services and information to connect caregivers with the right support programs. Health and wellness classes are offered throughout the county, as are congregate meals. Home-delivered meals are also available for the housebound. South Alabama Regional Planning Commission Area Agency on Aging
110 Beauregard St., Mobile, AL 36633
(251) 706-4680

Mobile’s Vet Center has counseling for eligible senior veterans and their families. A wide range of social and psychological services are available, including readjustment counseling. Benefits explanations, referrals and medical screenings are provided. The Gulf Coast Veterans Health Care System is also available for veterans who require medical assistance. It offers primary care and mental health counseling, as well as laboratory services and prescriptions.

Mobile Vet Center
3221 Springhill Ave Bldg 2, Suite C, Mobile, AL 36607
(251) 478-5906

Gulf Coast Veterans Health Care System
1504 Springhill Ave, Mobile, AL 36604
(251) 219-3900

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