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30 Assisted Living Communities in Palm Bay, Florida

The average cost of assisted living in the city is $3,750 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 30 Assisted Living Communities in Palm Bay and several in surrounding areas. The Cost of Senior Care in Palm Bay, FL

  • Assisted Living: $3,750
  • Nursing Home Care: $8,365
  • In-home Care: $3,813
  • Adult Day Health Services: $1,408

Assisted Living Facilities near Palm Bay, Florida

Compare Costs, Photos, & Reviews of All Your Options Near Palm Bay

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Reviews of Assisted Living Facilities in Palm Bay

Pam

5

January 26, 2024

I am a friend or relative of a current/past resident

Beloved Senior Living has been a God send for my mom. I have never seen a facility with this caliber before. The place so super clean! The food is home cooked and delicious! The staff are so loving and personable with the patients. I am able to reach them at any time of day. Heather, the Administrator is professional and takes a personal interest in each patient to ensure they are clean and well cared for. My mother is always smiling, always clean and comfortable. That is so important to me. I thank God everyday for leading us to this amazing facility!! I sleep well every night because I know my sweet mother is in the best place we could have ever imagined. Blessed beyond measure.

RP

4

February 19, 2020

I visited this facility

It was pretty large. The person who showed me around was very nice. It was a clean facility. They had yoga classes. The dining area was well lit and large. The residents were out and about, but it wasn't crowded at all.

Jenny

5

October 9, 2019

I am a friend or relative of a current/past resident

Palm Bay Memory Care is good. The food is good. My husband likes it there. The staff members are good people. My husband's room is really good and nice because it is a private room. I like it. I put a big television in there. They have a very nice place because you can go outside. The dining area is clean and they help the residents eat if they can't feed themselves.

Nancy

5

March 29, 2019

I visited this facility

It was very nice. The person during the tour was also very nice and she covered everything beautifully. The apartment was lovely. The food and the dining area were good. They had a pool and a library. I liked it. The person who served us the meal was lovely. The whole experience was good. If I were interested in moving into a place like that now, that would be it.

Geraldine

5

January 2, 2019

I visited this facility

It was excellent. I was very impressed. The person who toured us was very nice. Everything was very nice. The room we saw was beautiful and brand new.

Stephen

3

October 2, 2018

I visited this facility

We liked it the best. It's secluded and quiet. My wife gave the highest marks to the staff during the tour, but the food was below average personally. The activities were just minimal, probably not really adequate for our needs, but they had an exercise room and there was some equipment.

Ed

5

October 10, 2017

I visited this facility

Inspired Living at Palm Bay was our second option for Mom. It was fabulous. They have everything. The facility is magnificent, new, and clean. The activities are fabulous, the food is great, and the care is perfect. There was a chef that was eager to cook whatever you wanted, and it you can order off a menu like in a restaurant. The cost was over $4,000, but their eagerness to want to help was outstanding, so there was no negative to the facility.

Judith

5

July 17, 2017

I visited this facility

We liked it. It was clean. We were very well received. The hostess was great and very personable. They had a nice facility and good activities.

Map of Palm Bay, Florida

Assisted Living Costs in Palm Bay

At an average monthly cost of $3,750, the price of assisted living in Palm Bay is $250 above the state average and $250 below the national average as reported in Genworth’s 2018 Cost of Care study. Prices are slightly lower in nearby Sebastian ($3,524) and further south in Port St. Lucie ($3,620). Statewide, assisted living costs vary from $2,808 per month in Lakeland up to $5,448 in Naples along the Gulf Coast. 

The Cost of Assisted Living in Surrounding Areas

Palm Bay

$3,750

National Average

$4,000

State Average

$3,500

Sebastian

$3,524

Port St. Lucie

$3,620

Gainesville

$3,775

Sebring

$3,038

Naples

$5,448

North Port Area

$3,874

Care Cost Comparison

In Palm Bay, the most expensive senior care service is semiprivate nursing home care, which costs an average of $8,365 per month. By comparison, assisted living costs $3,750 per month, while 44 hours of in-home service from a homemaker or home health aide costs $3,813 per month.  When evaluating the various senior care options it’s important to know that assisted living prices include rent, utilities, meals and home maintenance. This all-inclusive pricing makes the overall cost of assisted living significantly lower than using an in-home senior care service while continuing to pay for day-to-day living expenses. 

 

Senior Care Cost Comparison Chart

Assisted Living

$3,750

Homemaker Services

$3,813

Home Health Aide

$3,813

Adult Day Health Services

$1,408

Nursing Home Care

$8,365

Financial Assistance for Assisted Living in Palm Bay

Medicaid in Florida

Medicaid is the federally mandated health plan for low-income individuals of all ages. It provides 16% of Florida residents with access to basic health services, including emergency, primary and long-term care, hospital services, X-rays and lab testing, in accordance with federal law. Additional services, such as home and community-based care, may be offered by individual states. 

To enroll in Medicaid, applicants need to meet income and asset (resource) criteria. Florida seniors who already receive Social Security Income benefits are automatically eligible for Medicaid, and they only need to complete additional screening if they’re seeking long-term Medicaid services. 

All other seniors must earn no more than $2,313 per month ($4,626 per married couple) and own no more than $2,000 in countable assets ($3,000 per couple). Some items, such as personal clothing and jewellery, one vehicle and a home owned and occupied by the applicant and/or their spouse valued at no more than $585,000, are exempt from the Medicaid asset limits. 

Spousal Income and Asset Exemptions

When only one spouse needs long-term Medicaid coverage, special rules regarding the income of the non-applicant (community) spouse and the couple’s joint assets apply. 

Under the minimum monthly maintenance needs allowance, the community spouse may collect up to $3,161 per month in income transferred from the applicant to pay for shelter costs, and this amount is deducted from the applicant’s declared income. 

The community spouse can also keep the lesser of half of the couple’s joint assets or $126,420 under the community spouse resource allowance. 

Comprehensive Assessment and Review for Long-Term Care Program

In accordance with federal law Florida, seniors who qualify for long-term Medicaid and require the type of care normally provided in a nursing facility must be screened through the Comprehensive Assessment and Review for Long-Term Care Program before being provided with Medicaid-funded long-term services. 

A designated CARES assessor or registered nurse evaluates the current and projected care needs of each senior to determine the most-appropriate placement and Medicaid services. 

Statewide Medicaid Managed Care Long-Term Care Program

A CARES assessment may recommend enrollment in the Statewide Medicaid Managed Care Long-Term Care Program, a nursing home diversion program that funds enhanced home and community-based services to let seniors age in place in an assisted living setting. 

SMMC LTC services are administered through a managed health care plan. In Brevard County, the available LTC plans include Aetna, Humana, Sunshine and United. Once participants select an LTC plan, they can change to another available plan within 90 days, after which time participants can switch plans after one year. 

Seniors who are enrolled in the SMMC LTC program are provided with services that are medically-necessary to prevent placement in a nursing home. These services may include: 

  • Skilled and intermittent nursing care
  • Homemaker services
  • Speech therapy
  • Medication administration 
  • Personal care to assist with bathing, dressing and grooming
  • Transportation to medical appointments
  • A wearable medical alert device
  • Mobility equipment
  • Medical supplies
  • Adult day health care
  • Physical therapy


Participants are also provided with additional benefits that aren’t normally covered under Medicaid, such as over-the-counter medications, dental and vision services, and help transitioning from a nursing facility into an assisted living community. 

For more information about Florida Medicaid and the SMMC LTC, contact the Brevard County Elder Helpline at (407) 514-0019 or ACCESS Florida at (866) 762-2237. 

Other Financial Assistance Programs for Assisted Living

Optional State Supplementation

Supplemental Security Income recipients aged 65 and older who need to reside in an assisted living facility due to loss of physical and/or cognitive abilities can apply for state-sponsored SSI top-up benefits through the Optional State Supplementation program. 

The OSS program provides a maximum of $78.40 per person ($156.80 per couple) to help seniors pay the room-and-board portion of their assisted living costs. 

To apply for OSS, contact ACCESS Florida, Central Region at 407-317-7000. 

Long-Term Care Insurance

Seniors who have long-term care insurance through a private insurance policy may have benefits that include coverage for assisted living costs. 

In most cases, policies that include long-term care benefits must be purchased before the beneficiary reaches a certain age or requires senior care services. Benefits vary with each policy and most insurance providers require that policyholders complete a needs assessment performed by a designated assessor. 

For more information, seniors can contact their insurance broker or insurance company. 

Assisted Living Resources in Palm Bay

Senior Center 

Seniors aged 50 or older can purchase an annual $25 membership at the Greater Palm Bay Senior Center, a nonprofit community center that offers fitness classes, card games, social clubs and special events. 

Membership also includes a free consultation with a local attorney who specializes in trusts, wills and estate planning.

Greater Palm Bay Senior Center
1275 Culver Dr. NE, Palm Bay, FL 32907-1176
(321) 724-1338

Veteran Centers and Clinics

Veterans and their survivors living in Palm Bay can contact Brevard County Veteran’s Services for help with state and federal veterans benefits. Outpatient health care for veterans, including primary care, dentistry, optometry and radiology, is available at the Viera VA outpatient clinic, a community clinic of the Orlando VA Medical Center

Viera VA Outpatient Clinic
2900 Veterans Way, Veira, FL 32940-8007
(321) 637-3788

Brevard County Veteran’s Services
2725 Judge Fran Jamieson Way, Viera, FL 32940
(800) 955-8771

Community Aid Agencies

Seniors who need help completing their tax returns, require wheelchair transportation within the community or would like to participate in a local communal dining program can contact Aging Matters in Brevard. This not-for-profit agency provides seniors with information and referrals to a variety of area resources and services, such as a volunteer driver program, the Meals on Wheels program and a short-term homemaking program for seniors who are recovering from illness or injury.  Aging Matters in Brevard
3600 West King Street, Cocoa, FL 32926
(312) 639-8770

Nearby Assisted Living Communities

Go a bit further out to explore pricing and amenities.

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Other Senior Living in Palm Bay, FL

  • Independent Living in Palm Bay, FL
  • Memory Care in Palm Bay, FL
  • Nursing Homes in Palm Bay, FL

Assisted Living Articles and Resources

Compare Costs, Photos, & Reviews of All Your Options Near Palm Bay

Who are you looking for?

Full Name

Phone

Email

By clicking "Get Costs" I am providing express written consent to receive calls including automated/pre-recorded calls and automated texts for which I may incur a cost, as well as emails from Caring and its partners. I understand I am not obligated to provide this consent to utilize Caring’s service(s). I acknowledge I was able to review the Agreement to be Contacted, Terms of Use, and Privacy Policy.

SeniorHomes.com

Those with certain disabilities or diseases have more obstacles to overcome when searching for a quality assisted living home. If you have questions, we are here to help provide the answers. Give our senior care advocates a call and read our guides for specific information and resources related to your or your loved one’s condition.

SeniorHomes.com

Those with certain disabilities or diseases have more obstacles to overcome when searching for a quality assisted living home. If you have questions, we are here to help provide the answers. Give our senior care advocates a call and read our guides for specific information and resources related to your or your loved one’s condition.

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