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The average cost of assisted living in the city is $4,000 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 8 assisted living facilities in Cape Coral and 30 in surrounding areas.
The Cost of Senior Care in Cape Coral, FL
Situated in a coastal town close to churches, shopping and medical services, Brookdale Cape Coral provides an exceptional and comfortable assisted living experience.
Opening September 2019 With bright and open amenity spaces to warm and spacious residences, Atrium at Liberty Park offers its residents all the comforts of home with the ease of maintenance-free living. Services Social calendar focusing on mind, body and…
Call 1-800-991-9257 for details
Retirement Living Redefined Wellness is much more than being in good health, it is living fully every day. Keystone Place at Four Mile Cove’s resident-driven Life Enrichment Program supports over 150 purposeful activities each month which provide endless opportunities for…
Juniper Village at Cape Coral offers delightfully home-like assisted living in Cape Coral, Florida. With meals, activities and loving caregivers, we are there to enable independence while providing the services needed.
A lifestyle that is all about good times with new friends and family is found at Gulf Coast Village, a retirement community that offers seniors a full continuum of care for life.
Dornoch Place is a small family owned business with 26 comfortable beds for your loved one. We are an affordable alternative to the larger institutional assisted living facilities and nursing homes or the smaller 5 bed family care homes which…
The Woodlands is an assisted living community that provides customized care plan to each residents. Here residents maintain a healthy lifestyle and are encourage to socialize.
I visited Gulf Coast Village in Cape Coral to seek a place for my mother if we decide to move to Florida. I was immediately negatively impressed by the building. The disappointment continued when touring an apartment in the assisted living. It seemed very outdated and uncared for. That would be a problem for my moth...Read more Gulf Coast Village reviews
Brookdale Cape Coral seemed to be not what they intended it to be. I hardly saw any of the residents, and the staff hardly saw any of them either. It was a new facility and they had a calendar of events that they were supposed to do, but they didn't seem to be following any type of activities with the residents there. ...Read more Brookdale Cape Coral reviews
Brookdale Cape Coral was a much older facility and not very clean. The staff was very good. There were studios and apartments that were much smaller, older, and needed updating. They had a courtyard that also needed some upkeep. Their dining area was one big table. There were only 13 residents there, so it's a very sma...Read more Brookdale Cape Coral reviews
The Windsor of Cape Coral was very pleasant. The only problem with that is they only had one-bedroom facilities. The staff was very nice, and I couldn’t complain about anything as far as the staff was concerned. They had exercise rooms and areas to go outside.Read more The Windsor of Cape Coral reviews
I like The Windsor. I like the layout. The best part about their rooms is that there are two rooms, i.e., the bedroom and the living room. They have very nice activities. There was only one person that I met and that person gave me the tour. The staff members were very polite, very informative, and very nice; however, ...Read more The Windsor of Cape Coral reviews
Genworth’s 2018 Cost of Care study shows that the average monthly price of assisted living in Cape Coral is $4,000, which is the same as the national average but $500 above the state average.
To the north, prices are lower in Punta Gorda ($3,400) and the North Port area ($3,874). Prices are higher south of Cape Coral in Naples ($5,448), the most expensive city in the state. Along the Atlantic coast, costs are $3,620 in Port St. Lucie and $3,350 in Miami.
The Cost of Assisted Living in Surrounding Areas
Senior care costs are based on a number of factors, such as the location, the staff/senior ratio and most importantly, the level of care needed. In Cape Coral, a semiprivate room in a nursing facility costs more than twice the amount of assisted living because nursing facilities provide 24/7 medical care. By comparison, assisted living includes room and board, however, personal care is not included in the monthly price.
Community-based care services received by a homemaker costs $3,909 per month, while a home health aide costs $4,385 per month based on 44 hours of weekly in-home service. These care costs are in addition to regular living expenses, such as rent or mortgage payments, groceries, utilities and home upkeep, which can make the true cost of staying at home significantly higher than assisted living.
Senior Care Cost Comparison Chart
Medicaid is the federally mandated, government-funded health program that gives low-income children, adults with disabilities and seniors access to essential health services. Each state administers its own Medicaid program, and by law, all Medicaid plans must provide these mandatory benefits:
States can also offer state-specific optional Medicaid benefits through special programs and Medicaid waivers that may include:
In Florida, the Medicaid program is administered by the Department of Children and Families. Some long-term Medicaid services for seniors aged 65 and older are administered through the Department of Elder Affairs.
Medicaid Income and Asset Limits
Florida seniors who collect Social Security Income benefits are automatically provided with aged, blind and disabled Medicaid coverage. Additional screening is needed for SSI recipients who want to participate in Medicaid waiver programs.
All other seniors who need institutional and home and community-based Medicaid services must meet the following eligibility criteria:
Countable assets include all cash and investments, such as stocks, bonds and vacation properties. The applicant’s primary home is exempt as long as it’s occupied by the applicant and/or their spouse and is valued at $585,000 or less.
Minimum Monthly Needs Allowance Rule
Under the community spouse resource allowance, a non-applicant spouse can keep half of the couple’s joint assets valued up to $126,420 in addition to any exempt assets.
The community spouse isn’t expected to contribute to their spouse’s care costs. If the community spouse is financially dependent on the applicant, the applicant can transfer up to $3,161 per month to the community spouse under the minimum monthly needs allowance rule.
Statewide Medicaid Managed Care Long-Term Care Program
Seniors who qualify for institutional Medicaid coverage who can safely live in the community with additional services and supports may be eligible for the Statewide Medicaid Managed Care Long-Term Care program.
SMMC LTC is a nursing home diversion program that funds long-term care services, such as personal care, skilled nursing, rehabilitation therapies and adult day health services. It also covers medical supplies and mobility aids, a medical alert system, nonemergency medical transportation and home-delivered meals.
Services are assigned based on the needs of each participant. Enrollees can reside in a noninstitutional setting, such as an assisted living facility, however, the SMMC LTC doesn’t cover room-and-board costs.
Eligible seniors need to complete the Comprehensive Assessment and Review for Long-Term Care Services. This federally mandated assessment looks at the current and projected care needs of each applicant. The assessor recommends the most appropriate placement based on the findings of the assessment, which may be enrollement into the SMMC LTC.
For more information contact the Area Agency on Aging for Southwest Florida at (866) 413-5337.
Optional State Supplementation
The Florida Department of Children and Families administers a state-funded Supplemental Security Income top-up program that provides financial assistance to low-income seniors in assisted living facilities
The Optional State Supplementation program helps eligible seniors pay for the room-and-board portion of their assisted living costs.
To qualify for OSS benefits, seniors must collect SSI and be unable to live independently due to illness, injury or age-related loss of function. If approved, seniors may receive a maximum of $78.40 per month ($156.80 per month for couples) in addition to their regular SSI benefit.
For more information, contact ACCESS Florida at (866) 762-2237 or the Social Security Administration at (800) 772-1213.
Veterans Aid and Attendance Benefits and Housebound Allowance
The VA Aid and Attendance Benefits and Housebound Allowance are two enhanced monthly pension programs for eligible veterans and survivors.
Applicants must be eligible for the regular VA pension and have a permanent disability or life-limiting condition. Claimants who meet the medical criteria but are ineligible for the basic pension due to excess income may also qualify as these programs provide increased pension benefits.
Under Aid and Attendance, the maximum annual pension is $22,577 to single veterans and $26,766 for veterans with one dependent. Single survivors may receive a maximum annual pension of $14,509 and up to $17,309 with one dependent.
Applicants may be eligible for Aid and Attendance if they are:
Under Housebound, single veterans may receive a maximum annual pension of $16,540, and veterans with one dependent may receive up to $20,731. Single survivors may qualify for up to $11,095, and survivors with dependents may receive a maximum of $13,893 per year.
Applicants may be eligible for Housebound if they have:
For more information and help with the application process, contact Lee County Veterans Services at (239) 533-8381.
Veterans, survivors and dependents who need information about VA benefits or need help completing claims applications and appeals can contact Lee County Veterans Services.
Primary, mental health, women’s health and a number of specialty medical services are available at the Lee County VA Clinic, part of the Bay Pines VA Healthcare System.
Lee County Veterans Services
2440 Thompson St., Fr. Myers, FL 33901
Lee County VA Clinic
2489 Diplomat Pkwy. E., Cape Coral, FL 33909-5422
Cape Coral’s Parks and Recreation Department operates two community centers for seniors aged 50 and older. Members can enjoy a wide variety of classes, games and drop-in programs, such as bingo, quilting, line dancing and escorted day trips.
Tony Rotino Center
5817 Driftwood Pkwy., Cape Coral, FL 33904
Lake Kennedy Center
400 Santa Barbara Blvd., Cape Coral, FL 33915
Seniors who need low-cost, door-to-door transportation to appointments and errands can register for the Cape Coral Mini-Bus program.
The Friendship Center Dining Program provides seniors aged 60 and older with hot, nutritious lunches in a communal setting Monday-Friday.
To register for the Mini-Bus or Dining Program, contact program staff at the Lake Kennedy Center or call (239) 574-0573.
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