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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 24 assisted living facilities in Palm Bay and 27 in surrounding areas.
The Cost of Senior Care in Palm Bay, FL
As a compassionate, caring assisted living community, the team at Cristal Palace Resort is pleased to welcome you to our community and everything our comfortable center has to offer.
At Bethesda, each resident is welcomed with open arms. They are respected and valued for their individual histories and personal stories.We provide ample assistance and still be independent.
Daisy Assisted Living is a beautiful senior care home located in the great region of Palm Bay, Florida in Brevard County. Our residence is in a great location that is surrounded by great scenery with beautiful surroundings. Our location is…
Blue Fountain Home Care, LLC is a family-owned and operated assisted living facility. We strive to provide excellent care to our residents. We operate in a home like setting and provide assistance with activities of daily living. All meals are…
We offer loving, thoughtful care for aging elders in a family-styled home like environment. At A & J Assisted Living we pride ourselves in the reliable and gracious service we provide to our families. Your loved ones will feel comfortable…
Retirement set at the water’s edge, complimented by the supportive services that promote your independence, await at RiverView Senior Resort, Palm Bay’s brand-new senior living community.
Call 1-800-991-9257 for details
Winnifred Assisted Living is a state-licensed four-bed facility located in a quiet residential neighborhood in Palm Bay. We provide year-round resort-style living with unmatched personal care and residential services. At Winnifred Assisted Living, we strive to create a homelike atmosphere.…
We have been here since 2003 and this is our home and we will continue living here. Glenbrooke’s staff is second to none, and they have become our family. Our friends that live here at Glenbrooke are also more like family. We enjoy the activities and lifestyle that Glenbrooke offers and truly believe there is not a bet...Read more Glenbrooke at Palm Bay reviews
We ended up getting a place at Glenbrooke at Palm Bay for my mother. The staff is amazingly good. You get more square footage for approximately the same amount of money in other places. It’s an actual apartment with a kitchen, a living room, a bedroom, and a bathroom. The food is very good. The staff is very nice and v...Read more Glenbrooke at Palm Bay reviews
We liked Glenbrooke at Palm Bay 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.Read more Glenbrooke at Palm Bay reviews
Glenbrooke at Palm Bay was excellent. They had very high-quality facilities and amenities. It was very clean and well cared for. We toured a couple of nice apartments that were available. They're very much like the home that we would be moving out of. They were not at all like student housing like some of the other pla...Read more Glenbrooke at Palm Bay reviews
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
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
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:
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.
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.
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
Brevard County Veteran’s Services
2725 Judge Fran Jamieson Way, Viera, FL 32940
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
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
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