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independent-living

An explanation of retirement living costs. Visit to learn more about finding the right retirement community or to find a retirement community near you.

Discover the typical cost of living in a retirement community, what&#39;s included in the cost of a retirement communities and what to expect in various types of retirement communities.

The Cost of Living in a Retirement Community

An article defining Activities of Daily Living. Learn more about Senior Care by browsing our library of insightful articles or find senior care using our comprehensive directory.

Learn about activities of daily living, how ADLs are assessed and what the results can mean if you&#39;re considering long-term care for yourself or a loved one.

A Primer on the Activities of Daily Living (ADLs)

A brief overview of veterans benefits, what they offer, and how to learn more about them.

Some veteran benefits can help with assisted living costs. Discover which ones can, how to apply and how to find the ideal assisted living community for your loved one.

Veterans Benefits: A Brief Overview

Veterans Benefits

Learn more about the pros and cons of buying long-term insurance and how to use it to pay for senior care.

Learn about long-term care insurance for seniors, what services are covered, who is eligible, its benefits, how to sign up, and viable alternatives to this policy.

Long-Term Insurance: Planning for Your Future

Life insurance can be a powerful financial retirement tool if used properly. Learn how.

A life settlement from life insurance provides financial freedom for retirees. Discover how life settlements work, how much you&rsquo;ll get, eligibility requirements, and more.

Financing Your Retirement with Life Insurance

An article explaining what PACE Programs are. Learn more about PACE Programs or search our nationwide directory to find home care near you.

The Program of All-Inclusive Care for the Elderly (PACE) combines all the services offered by Medicare and Medicaid. Learn more about the program, eligibility, and how to apply for PACE.

PACE Programs: Programs of All-Inclusive Care for the Elderly

As the population ages and Baby Boomers face the realities of paying for care for their parents and for themselves, it becomes clear that the biggest hurdle to senior care is paying for it.

Learn about the cost of long-term care and ways you can pay for care, including Medicaid, VA benefits and the PACE program, in this guide for older adults.

Paying for Long-Term Care: How to Overcome this Costly Hurdle to Safeguard Your Future

Paying for Long-Term Care: An Overview

Learn about tips for senior downsizing, how to make the downsizing process as easy as possible, and senior downsizing options.

From saving money to avoiding household chores, there are dozens of great reasons to downsize. Read our free guide for tips on navigating the process.

Senior Downsizing Guide

Senior Downsizing Tips

memory-care

For seniors coping with dementia, one of the greatest frustrations is the inability to do those things they once loved. Activities and hobbies that used to be second nature might start to feel fuzzy or distant. This harsh reality can be discouraging for the person suffering from dementia, as well as the friend or loved one who is trying to engage them.

Learn about the benefits of activities for people with dementia and find a list of dementia-friendly things to do in this comprehensive guide.

Activities To Do With Seniors Who Have Dementia

12 Activities for People With Dementia

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Costs at The Addison of  Narcoossee

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<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</a>&nbsp;study examined senior care costs throughout the county. The study shows that at $3,275 per month, the average monthly cost of assisted living in Saint Cloud is below the state ($3,500) and national ($4,000) averages. Prices are higher in many nearby areas, such as Deltona ($3,850), Palm Bay ($3,750) and The Villages ($5,031), and lower in Lakeland&nbsp;($2,808), which has the lowest assisted living costs in the state.&nbsp; Note: Senior care cost data wasn’t available for Saint Cloud, so data for the closest city, Orlando, was used.&nbsp;

Assisted Living Costs in Saint Cloud

The Cost of Assisted Living in Surrounding Areas

In Saint Cloud, senior care costs are based on the type of care provided. At an average of $8,106 per month for a semiprivate room, a nursing home costs more than double what assisted living does. This price difference is based on the fact that nursing facilities provide around-the-clock&nbsp;nursing care to seniors who have complex medical needs.&nbsp; Seniors who are considering remaining in their home can expect to pay $4,004 per month for a homemaker or home health aide in addition to regular living expenses. By comparison, assisted living costs an average of $3,275 per month and includes room and board.&nbsp;

Care Cost Comparison

Senior Care Cost Comparison Chart

Financial Assistance for Assisted Living in Saint Cloud

Optional State Supplementation Seniors who receive Supplemental Security Income benefits and need to reside in assisted living may qualify for financial assistance through the <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; OSS provides cash benefits to help seniors pay the room-and-board portion of their assisted living costs. Individuals may qualify for up to $78.40 per month and couples up to $156.80 in SSI top-up funds through the OSS program.&nbsp;&nbsp; For more information on the OSS, contact <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> at (866) 762-2237 or the <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> at (800) 772-1213. VA Aid and Attendance and Housebound Seniors who collect the basic VA pension and need money to pay for assisted living costs may qualify for additional cash benefits through the <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">VA Aid and Attendance or Housebound Allowance</a>. These two&nbsp;<a href="https://benefits.va.gov/BENEFITS/factsheets/limitedincome/EnhancedorSpecialPension.pdf" target="_blank" data-mce-href="https://benefits.va.gov/BENEFITS/factsheets/limitedincome/EnhancedorSpecialPension.pdf" rel="noopener noreferrer">enhanced VA pension programs</a>&nbsp;may also be available to applicants who were previously denied the basic VA pension due to excess income since eligibility for these programs is based on a higher income limit than the basic pension.&nbsp; For Housebound, applicants must have a&nbsp;permanent disability rated at 100% that confines them to their home. For Aid and Attendance, seniors must be blind, bedridden, reside in a nursing home, or need help from a caregiver to perform activities of daily living.&nbsp; Successful applicants may only collect benefits from one of these two programs.&nbsp; For more information and help with the application process, contact <a href="https://www.osceola.org/agencies-departments/human-services/veterans-services/" target="_blank" data-mce-href="https://www.osceola.org/agencies-departments/human-services/veterans-services/" rel="noopener noreferrer">Osceola County Veterans Services</a>&nbsp;at (407) 742-8455.&nbsp;

Other Financial Assistance Programs for Assisted Living

The average cost of assisted living in the city is $3,275 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 Assisted Living Community in Saint Cloud and several in surrounding areas. The Cost of Senior Care in Saint Cloud, FL<ul><li>Assisted Living: $3,275</li><li>Nursing Home Care: $8,106</li><li>In-home Care: $4,004</li><li>Adult Day Health Services: $1,300</li></ul>

Assisted Living in Saint Cloud, FL

Assisted Living Articles and Resources

Established on July 30, 1965 by the federal government,&nbsp;<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 for individuals with low income, including children, adults with disabilities and the elderly. It provides coverage for essential health services, such as primary physician care, hospitalization, emergency and long-term care.&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 at the state level, and each state has the option to provide additional, optional benefits through state-specific Medicaid waivers and programs.&nbsp; In Florida, seniors aged 65 and older who collect&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 are automatically eligible for&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>&nbsp;and only need to complete further screening when requesting long-term care services.&nbsp; Qualifying for Florida Medicaid All other seniors must meet income, asset and residency guidelines as follows:&nbsp; <ul>
<li>Be a U.S. citizen, U.S. national, permanent resident or legal alien</li>
<li>Live full-time in Florida</li>
<li>Earn no more than $2,313 per month when applying as a single, or</li>
<li>Earn no more than $4,626 per month in joint income when applying with a spouse, and</li>
<li>Own no more than $2,000 in countable assets as an individual, or</li>
<li>Own no more than $3,000 in joint countable assets when applying with a spouse</li>
</ul> Some assets are not countable under Medicaid rules, such as an irrevocable burial contract, one vehicle and household furnishings. A house, condo or mobile home that is owned and occupied by the applicant and/or their spouse is also not counted as long as it’s assessed value is $585,000 or less.&nbsp; If only one spouse needs long-term Medicaid services, the income of the community spouse isn’t counted. The community spouse is also eligible&nbsp;to keep up to $126,420 of the couple’s joint assets.&nbsp; Qualified Income Trust Seniors who are ineligible for Medicaid because their monthly income exceeds Medicaid limits may qualify for enrollment by using 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; Also known as a Miller Trust, a QIT&nbsp;is an irrevocable trust in which the state is named the beneficiary. Seniors must agree to place all of their income that exceeds&nbsp;Medicaid limits, less money spent on approved medical expenses, into the QIT. Upon death, any money the state has paid towards the seniors’ care costs will be withdrawn from the QIT&nbsp;before any disbursements are made to the estate.&nbsp; For more information on Florida Medicaid and the QIT program, visit the <a href="https://www.myflfamilies.com/service-programs/access/map.shtml" target="_blank" data-mce-href="https://www.myflfamilies.com/service-programs/access/map.shtml" rel="noopener noreferrer">Osceola County ACCESS&nbsp;Storefront</a>&nbsp;or&nbsp;phone the ACCESS customer call center at (866) 762-2237.&nbsp; Statewide Medicaid Managed Care Long-Term Care Program Florida seniors aged 65 and older who qualify for long-term Medicaid and meet the clinical criteria for nursing home placement may be enrolled in the <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 Medicaid Managed Care Long-Term Care Program</a>. This nursing home diversion program provides enhanced home and community-based services that let frail seniors age in place in an assisted living facility.&nbsp; In accordance with federal law, all Medicaid participants who request long-term care services must be assessed by the <a href="http://elderaffairs.state.fl.us/doea/cares.php" target="_blank" data-mce-href="http://elderaffairs.state.fl.us/doea/cares.php" rel="noopener noreferrer">Comprehensive Assessment and Review for Long-Term Care Services</a> program. It’s performed by a registered nurse or designated assessor to determine the most appropriate, least-intrusive placement for each applicant.&nbsp; Seniors referred to the SMMC&nbsp;LTC program&nbsp;are assigned services based on their specific needs, and these services may include:&nbsp; <ul>
<li>Adult day programming</li>
<li>Assistance with activities of daily living&nbsp;</li>
<li>A medical alert system</li>
<li>Housekeeping and laundry</li>
<li>Skilled and intermittent nursing</li>
<li>Medical supplies and mobility equipment</li>
<li>Transportation</li>
<li>Hospice services</li>
<li>Physical therapy</li>
<li>Speech therapy</li>
<li>Case management</li>
</ul> For more information on the SMMC LTC or to request a CARES assessment, contact the statewide Elder Helpline at (800) 963-5337.

Medicaid in Florida

Detailed profile of  Assisted Living Facility in Saint Cloud, FL.  Reviews, ratings, costs, pictures, amenities, and more.

 Assisted Living Facility in Saint Cloud, FL (with Reviews)

Nearby Assisted Living Facilities

Other Senior Living in Saint Cloud, FL

Assisted Living Resources in Saint Cloud

The Saint Cloud Senior Citizen Center operates a wide variety of social, recreational and wellness activities&nbsp;and events geared towards seniors in two locations. Seniors are welcome to join weekly dances, daily card games, quilting and gardening groups and monthly potluck dinners.&nbsp;

Senior Center

Veterans, survivors and dependents can contact the Osceola County Veterans’ Services Office for help with local, state and federal benefits and entitlements. The County Veterans Service Officer is available in Saint&nbsp;Cloud every Thursday for walk-in appointments.&nbsp;

Veterans Services

To learn more about this provider's license and review other available state reports, please visit: <a href="https://quality.healthfinder.fl.gov/">Florida Agency of Health Care Administration</a>

The Addison of  Narcoossee

I provide (medical / non-medical ) care services to (elderly, disabled, and people of all ages with physical conditions and cognitive abilities), yet require assistance with certain daily or weekly activities. Working closely with clients and their families.

<ul>
<li>24-hour care
<li>Administer Medications 
<li>Housekeeping
<li>Bathing and dressing patients
<li>Assisting patients with dressing and undressing in
<li>Oversee the administration of medications
<li>Purchasing groceries
<li>Meal preparation (Breakfast, Lunch, Dinner, and snack in between)
<li>Taken to all appointments </li>
</li></li></li></li></li></li></li></li></ul>

The house is located in a quiet area. The community is diverse and the neighbors are friendly. Each season the community host various events. Some of the amenities in the areas: 

<ul>
<li>Park 
<li>Swimming pool</li>
</li></ul>

Kimika at Home Care LLC

Monique@Homecare LLC is an independent living provider located at 890 Marisa Lane in Kissimmee, Florida, offering a small, home-style approach to senior living that emphasizes personalized attention and day-to-day support. The company is a recently registered Florida limited liability company operating from that address, which reflects its local, community-based orientation. 

Residents at Monique@Homecare enjoy a homelike environment where staff provide housing, home-cooked meals, personal care and assistance with activities of daily living, medication management, housekeeping and laundry, and organized social activities intended to keep days engaging and meaningful. The community arranges transportation and offers on-site staff availability to support health, wellness, safety, and security needs, while promoting independence and routine in a smaller, more intimate setting.

With its residential location in Kissimmee, the home provides convenient access to nearby shopping, medical services, and local attractions while retaining a quiet neighborhood feel that many families find comforting.

Monique@Homecare LLC

Providence Living at Hunter's Creek is a vibrant senior living community located at 1701 Ball Park Road in Kissimmee, Florida. Offering both Assisted Living and Memory Care, the community is thoughtfully designed with 104 residences in a variety of studio, one-, and two-bedroom layouts. Each apartment is created to maximize comfort, featuring options such as kitchenettes, in-unit washers and dryers, and large windows that fill the space with natural light. With a focus on personal choice, residents are encouraged to enjoy a lifestyle that reflects their own preferences and routines.

Daily life at Providence Living is enriched by an extensive selection of amenities and services. Residents can savor chef-prepared meals in a full-service dining room, unwind with a visit to the on-site salon and spa, or stay active in the wellness and fitness center. Housekeeping, laundry, and linen services make everyday living convenient, while inviting shared spaces such as the library, art studio, game room, and theater foster social connection. Outdoor courtyards, walking paths, and gardens provide peaceful retreats, while scheduled outings and enrichment programs, including fitness classes, arts and crafts, book discussions, and music, ensure there is always something engaging to enjoy.

What sets Providence Living at Hunter's Creek apart is its commitment to personalized care and security. With 24-hour licensed nursing and a caring staff who design individualized care plans, families can trust their loved ones are supported with dignity and respect. The community is pet-friendly, ADA accessible, and equipped with wireless emergency call systems for added peace of mind. Its Kissimmee location places residents near the area's many attractions, including Lakefront Park, Old Town, and world-famous destinations like Walt Disney World and Universal Orlando, making it an ideal place for both comfort and connection.

 To learn more about this provider's license and review other available state reports, please visit: <a href="https://quality.healthfinder.fl.gov/">Florida Agency of Health Care Administration</a>

Providence Hunters Creek

Learn more about The Addison of Narcoossee and other Senior Living communities providing services around Saint Cloud, Florida.&nbsp;See reviews, prices, photos, services, amenities and more...

The Addison of  Narcoossee - Saint Cloud, Florida

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