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The average monthly cost of assisted living in Panama City is $4,200, which is higher than the state ($3,500) and national ($4,000) averages. <a href="https://www.genworth.com/aging-and-you/finances/cost-of-care.html" target="_blank" data-mce-href="https://www.genworth.com/aging-and-you/finances/cost-of-care.html" rel="noopener noreferrer">Genworth’s&nbsp;2018 Cost of Care study</a>&nbsp;shows that prices in nearby cities&nbsp;are $4,096 in Pensacola, $4,195 in Crestview and $4,339 in&nbsp;Tallahassee.&nbsp;Statewide, the cost of assisted living starts at $2,808 in Lakeland&nbsp;and goes up to $5,448 in Naples.&nbsp;

Assisted Living Costs in Panama City

The Cost of Assisted Living in Surrounding Areas

Senior care costs are largely based on the level of care needed, which is why semiprivate nursing home care with around-the-clock medical assistance is the most expensive option at $7,452 per month. In-home care options, such as homemaker or home health aide ($4,385), cost $185 more than assisted living services, and at $4,200 per month, assisted living is the least-expensive residential care option for seniors, as the price includes accommodation, meals and home maintenance.&nbsp;

Care Cost Comparison

Senior Care Cost Comparison Chart

Financial Assistance for Assisted Living in Panama City

Optional State Supplementation Seniors who receive&nbsp;Supplemental Security Income benefits and have been certified by an&nbsp;<a href="http://elderaffairs.state.fl.us/doea/adrc.php" target="_blank" data-mce-href="http://elderaffairs.state.fl.us/doea/adrc.php" rel="noopener noreferrer">Aging and Disability Resource&nbsp;Center</a>&nbsp;as needing placement in a licensed assisted living facility may qualify for the&nbsp;<a href="https://www.myflfamilies.com/service-programs/access/docs/esspolicymanual/a_12.pdf" target="_blank" data-mce-href="https://www.myflfamilies.com/service-programs/access/docs/esspolicymanual/a_12.pdf" rel="noopener noreferrer">Optional State Supplementation Program</a>.&nbsp; The OSS&nbsp;provides cash benefits to qualified individuals to assist with the room and board portion of assisted&nbsp;living costs. Single seniors may be provided with up to $78.40 per month and couples up to $156.80 per month in OSS funding.&nbsp; For more information on the OSS, contact&nbsp;<a href="https://www.myflfamilies.com/service-programs/access/medicaid.shtml" target="_blank" data-mce-href="https://www.myflfamilies.com/service-programs/access/medicaid.shtml" rel="noopener noreferrer">ACCESS Florida</a>&nbsp;at (866) 762-2237 or the&nbsp;<a href="https://www.ssa.gov/agency/contact/phone.html" target="_blank" data-mce-href="https://www.ssa.gov/agency/contact/phone.html" rel="noopener noreferrer">Social Security Administration</a>&nbsp;at (800) 772-1213. VA Aid and Attendance&nbsp;Benefits and Housebound Allowance Veterans and survivors who collect regular VA pension payments and have a life-limiting disability or chronic illness may be eligible for a higher pension rate under either&nbsp;<a href="https://www.va.gov/pension/aid-attendance-housebound/" target="_blank" data-mce-href="https://www.va.gov/pension/aid-attendance-housebound/" rel="noopener noreferrer">Aid and Attendance or the Housebound Allowance</a>.&nbsp; To qualify for Housebound, applicants must have a permanent disability that limits them to their principal residence, which may be an assisted living facility.&nbsp; To qualify for Aid and Attendance, applicants must meet at least one of the following criteria:&nbsp; 
<li>Have concentric contraction of the visual field tested at&nbsp;5 or fewer degrees</li>
<li>Be a resident of a nursing facility as a result of mental and/or physical&nbsp;deterioration</li>
<li>Spend a large portion of each day in bed due to a chronic illness or disability</li>
<li>Have corrected eyesight&nbsp;tested at 5/200 or worse</li>
<li>Need help every day&nbsp;performing one or more tasks of daily living, such as getting dressed, adjusting a prosthetic&nbsp;device, bathing, using the toilet and/or eating</li>
 Note: Benefits from these two programs cannot be combined, and qualifying medical conditions don’t need to be linked to military service. Veterans who already receive&nbsp;VA disability benefits are excluded.&nbsp; To apply for Aid and Attendance&nbsp;or Housebound, contact the <a href="https://www.co.bay.fl.us/222/Veterans-Services" target="_blank" data-mce-href="https://www.co.bay.fl.us/222/Veterans-Services" rel="noopener noreferrer">Bay County Veteran Service Office</a>&nbsp;at (850) 248-8280.&nbsp;

Other Financial Assistance Programs for Assisted Living

The average cost of assisted living in the city is $4,200 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 {enhancedSearch.regionCount} {tensing(Assisted Living Community | Assisted Living Communities | {enhancedSearch.regionCount})}in Panama City and several in surrounding areas. The Cost of Senior Care in Panama City, FL<ul><li>Assisted Living: $4,200</li><li>Nursing Home Care: $7,452</li><li>In-home Care: $4,385</li><li>Adult Day Health Services: N/A</li></ul>

Assisted Living in Panama City, FL

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<a href="https://www.medicaid.gov/" target="_blank" data-mce-href="https://www.medicaid.gov/" rel="noopener noreferrer">Medicaid</a>&nbsp;is the nationwide health coverage program that was established on July 30, 1965, extending health services to those who have a low income and minimal assets. Jointly funded by federal and state governments and administered&nbsp;by each state, Medicaid provides primary, emergency and long-term health services at no cost to individuals who meet coverage criteria.&nbsp; In Florida,&nbsp;<a href="https://www.myflfamilies.com/service-programs/access/medicaid.shtml" target="_blank" data-mce-href="https://www.myflfamilies.com/service-programs/access/medicaid.shtml" rel="noopener noreferrer">Medicaid</a>&nbsp;is administered by the&nbsp;<a href="http://www.fdhc.state.fl.us/" target="_blank" data-mce-href="http://www.fdhc.state.fl.us/" rel="noopener noreferrer">Agency for Health Care Administration</a>. Florida residents who qualify for&nbsp;<a href="https://www.ssa.gov/benefits/ssi/" target="_blank" data-mce-href="https://www.ssa.gov/benefits/ssi/" rel="noopener noreferrer">Supplemental Security Income&nbsp;</a>benefits&nbsp;are automatically enrolled in&nbsp;<a href="https://www.myflfamilies.com/programs/access/docs/ssifactsheet.pdf" target="_blank" data-mce-href="https://www.myflfamilies.com/programs/access/docs/ssifactsheet.pdf" rel="noopener noreferrer">SSI-Related Medicaid coverage</a>. To qualify for no-cost Medicaid with long-term care coverage, seniors aged 65 and older&nbsp;can earn up to $2,313 per month ($4,626 per couple) and own up to $2,000 worth of countable assets ($3,000 per couple). Some specific assets are Medicaid exempt, including a home that the applicant and/or their spouse lives in that’s worth up to $585,000, a non-revocable burial trust, one vehicle and personal effects, such as clothing, collectibles&nbsp;and household furnishings.&nbsp; If only one spouse is applying for long-term Medicaid, the non-applicant spouse, known as the community spouse, can own up to $126,420 worth of the couple’s countable assets. The non-applicant isn’t expected to pay their spouse’s care costs, therefore, the income of the community spouse isn’t considered.&nbsp; Qualified Income Trust Seniors&nbsp;with earnings that exceed Medicaid income limits may be able to establish a&nbsp;<a href="https://www.myflfamilies.com/service-programs/access/docs/qualified_income_trust_factsheet.pdf" target="_blank" data-mce-href="https://www.myflfamilies.com/service-programs/access/docs/qualified_income_trust_factsheet.pdf" rel="noopener noreferrer">Qualified Income Trust</a>&nbsp;to enroll in Medicaid.&nbsp; Commonly called a Miller Trust, a QIT is an irrevocable legal agreement between the applicant and the state. Income&nbsp;that exceeds the Medicaid limits, exempt is a personal needs allowance of $130 and any money paid towards the community spouse income, is deposited into the QIT.&nbsp; The state is named as the beneficiary, and when the trust holder dies, the state&nbsp;is paid back for any care provided to the senior through Medicaid.&nbsp; For more information on Florida Medicaid and the QIT program, contact<a href="866-286-3609" target="_blank" data-mce-href="866-286-3609" rel="noopener noreferrer">&nbsp;ACCESS Florida, Northwest Region</a> at&nbsp;866-286-3609. Statewide&nbsp;Medicaid Managed Care Long-Term Care Program Florida Medicaid participants aged 65 and older who require the level of care normally&nbsp;given in a nursing facility may qualify for community-based, long-term care services provided within an assisted living&nbsp;facility under the&nbsp;&nbsp;<a href="http://elderaffairs.state.fl.us/doea/smmcltc.php" target="_blank" data-mce-href="http://elderaffairs.state.fl.us/doea/smmcltc.php" rel="noopener noreferrer">Statewide&nbsp;Medicaid Managed Care, Long-Term Care Program</a>.&nbsp; The SMMC&nbsp;LTC&nbsp;is a nursing home diversion program that allows seniors to age in place in a community setting by funding enhanced medical and nonmedical care and supports, such as:&nbsp; <ul>
<li>Personal care</li>
<li>Access to an emergency call system</li>
<li>Homemaker services</li>
<li>Transportation</li>
<li>Physical, occupational and speech therapy</li>
</ul> For more information on the SMMC LTC&nbsp;or to request a CARES assessment, contact the statewide Elder Helpline at (800) 963-5337.

Medicaid in Florida

{tensing(Detailed profile of {enhancedSearch.regionCount} Assisted Living Facility | Detailed profiles of {enhancedSearch.regionCount} Assisted Living Facilities | {enhancedSearch.regionCount})}in Panama City, FL. Average cost is 4200 per month.  Reviews, ratings, costs, pictures, amenities, and more.

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Low-income seniors who are unable to use the regular, fixed-route public transit service due to disability may qualify for the Bay Area Transportation Demand Response, a door-to-door, shared ride service. The Bay County Council on Aging provides seniors with information about local resources and referrals to Meals on Wheels and daily nutrition programs.&nbsp;

Community Aid Agencies

The Panama City Beach Senior Center offers year-round social events and activities for seniors, such as dances, card games, special interest clubs and exercise groups.&nbsp;

Senior Center

Bay County Veterans Services helps veterans, survivors and dependents apply for VA benefits, such as Aid and Attendance and Disability and burial benefits.&nbsp;

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