9 Assisted Living Communities in Lake Havasu City, Arizona

The average cost of assisted living in the city is $3,500 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 9 Assisted Living Communities in Lake Havasu City. The Cost of Senior Care in Lake Havasu City, AZ

• Assisted Living: $3,500
• Nursing Home Care: $6,083
• In-home Care: $3,813
• Adult Day Health Services: N/A

America’s seniors pay an average of $4,000 per month when they move into an assisted living facility. At $3,800 per month, Arizona’s assisted living facilities are slightly more affordable. Prices vary widely throughout the state, and in scenic Lake Havasu City, seniors encounter the lowest prices at just $3,500 per month.

Yuma, at an average of $3,625 per month, is only slightly more expensive than Lake Havasu City. Prices in the Sierra Vista area are on par with the state average, while prices in the state capital are slightly more expensive at $3,850 per month. The Grand Canyon State’s most expensive assisted living facilities are found in Flagstaff where care costs a whopping $5,098 per month on average.

Monthly senior care bills vary widely based on the type of care a senior needs, as Genworth’s 2018 Cost of Care Survey revealed. Lake Havasu City seniors who require assisted living pay an average of $3,500 per month. While that may seem expensive, seniors who require nursing home care pay approximately $2,580 more per month. With an average monthly cost of $3,813, homemaker services and home health aides are approximately $310 pricier than assisted living. However, seniors who choose to receive care in their own homes still need to pay for rent, groceries and other typical household bills. Seniors who move into assisted living don’t usually need to worry about these costs, so assisted living may actually be more affordable.

 

More than 1.6 million Arizonans are enrolled in the Arizona Health Care Cost Containment System, the state’s Medicaid program. This government-run program provides health care coverage to the state’s low-income residents, including children, seniors and people with disabilities.

The AHCCCS provides coverage for many necessary medical services through health plans. Participants choose a health plan that serves their ZIP code, and they may receive coverage for the following services:

• Doctor visits
• Specialist care
• Hospital services
• Emergency care
• Dialysis
• Emergency dental services
• Surgery services

In Arizona, Medicaid may also provide long-term care services through the Arizona Long Term Care System. Some of these services include assisted living, nursing home care, personal attendants, home health services and home-delivered meals.

Qualifying for Medicaid

Seniors who live in Arizona may be eligible for regular Medicaid coverage if they earn less than $1,041 per month ($1,409 for couples). There’s no asset limit, and seniors don’t need to require a certain level of medical care.

To qualify for long-term care coverage, seniors must require a nursing home level of care. Additionally, the program has income and asset limits. Single seniors may be eligible if they earn less than $2,313 per month and own less than $2,000 in assets. Married couples who are both applying for ALTCS can each earn up to $2,313 per month, and each spouse can have assets of up to $2,000. When only one spouse is applying for coverage, the non-applicant can have up to $126,420 in assets.

To quickly apply for regular Medicaid coverage, seniors can visit the Health-e-Arizona Plus website. Paper applications are also available and can be mailed to AHCCCS Medical Assistance Specialty Programs, 801 E. Jefferson St., Phoenix, AZ 85034.

Seniors who want to apply for long-term care coverage can visit their closest Arizona Long-Term Care Office. For Lake Havasu City residents, this is located at 519 E. Beale St., Ste. 130, Kingman, AZ 86401. Seniors can also call the ALTCS at (888) 621-6880 to apply.

For more information about Medicaid in Arizona, call Health-e-Arizona Plus at (855) 432-7587.

Veterans Affairs Aid and Attendance Benefits

The U.S. Department of Veterans Affairs offers an additional pension benefit called the Aid and Attendance program, which may help veterans and survivors pay for assisted living in Lake Havasu City. This benefit is paid in addition to the basic VA pension, and seniors may receive as much as $9,042 per year. However, since this benefit increases the pension amount, seniors whose incomes excluded them from a basic pension may still receive Aid and Attendance.

Seniors may qualify for this additional VA benefit if they need help with eating, bathing, getting dressed or performing other daily tasks. Seniors who are legally blind, bedridden or patients in nursing homes may also qualify.

To apply for Aid and Attendance, visit the Phoenix Regional Benefit Office, located at 3333 N. Central Ave. Applications may also be faxed to the Pension Management Center at (844) 655-1604. When applying, include documentation that supports the need for assistance, such as a report from a doctor.

For more information about the Aid and Attendance pension supplement, call the VA at (844) 698-2311.

Bridge Loan for Assisted Living

Seniors who need short-term help paying for assisted living may be interested in a bridge loan from Elderlife Financial. These loans have a line-of-credit structure, and generally, seniors can borrow between $10,000 and $100,000. Each month, seniors can choose how much to borrow, and this money is sent directly to the assisted living facility where they live.

These loans may be a good option for seniors who are moving into assisted living but need some time securing long-term funding. Possible sources include the proceeds from a home sale or a payment from a long-term care insurance policy. 

To apply for a loan, complete an online application through Elderlife Financial or call (888) 228-4500. Seniors can have up to six cosigners, and they don’t have to be relatives.

To learn more about bridge loans, call Elderlife Financial at (888) 228-4500.

Lake Havasu City is home to a VA clinic that provides primary care services and a Vet Center that offers counseling. Eligible local seniors can also travel to the closest VA hospital, located in Prescott, for medical care. Seniors who require assistance with VA benefits can visit the closest regional benefit office, which is located in the state capital.

Northern Arizona VA Health Care System 
500 Highway 89N, Prescott, AZ 86313
(928) 445-4860

Lake Havasu City VA Clinic
2035 Mesquite Ave., Ste. D, Lake Havasu City, AZ 86403
(928) 505-7100

Lake Havasu Vet Center
1720 Mesquite Ave., Ste. 101, Lake Havasu City, AZ 86403
(928) 505-0394

Phoenix Regional Benefit Office
3333 N. Central Ave., Phoenix, AZ 85012
(800) 827-1000

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