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The average cost of assisted living in the city is $3,250 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 4 assisted living facilities in Sun City Center and 30 in surrounding areas.
The Cost of Senior Care in Sun City Center, FL
Aging in place in a gorgeous Florida setting is possible when you join Sun Towers Retirement Community because we offer a continuum of long-term care services that are complemented by first-class amenities.
Homewood Residence at Freedom Plaza, located in the active retirement community of Sun City Center, provides quality services and care in personalized senior assisted living.
Call 1-800-991-9257 for details
At Belvedere Commons of Sun City Center, we believe in “aging gracefully” and work hard every day to constantly improve our residents’ quality of life.
Call 1-800-991-9257 for details
Cypress Creek Assisted Living Residence, located in Ruskin, provides seniors with a selection of amenities to encourage an enjoyable senior living experience.
I went to Sun Towers Retirement Community. The atmosphere was very good and very nice. I had an appointment with the staff member, who took me into her office and explained how the facility worked, the cost, and everything like that. She was very knowledgeable and very good at what she did. For my mother’s need, it was...Read more Sun Towers Retirement reviews
My sister moved into Sun Towers because she could remain in the same apartment from assisted to hospice. The staff has been very nice, very courteous, and helpful. They refurbished with new carpeting and paint, and they offer cleaning. The grounds are always good, they offer complimentary valet parking, and they have l...Read more Sun Towers Retirement reviews
We didn't like Sun Towers at all because it had a very old feeling. They're undergoing renovation, so when it's done it'll be lovely. They showed us the units, but it felt like a hospital room and not an apartment. It wasn't what we were looking for.Read more Sun Towers Retirement reviews
We visited Sun Towers Retirement and I'm independent and my husband is assisted, and they said that they can work with that. We visited the main building, and the apartments were beautiful. They were wonderful. The few staff I saw were very good and very professional. They have an art room, a weight room, and an exerci...Read more Sun Towers Retirement reviews
My sister moved into Sun Towers Retirement a couple of weeks ago. They're very friendly and very helpful when moving in. They have lots of activities. She has a one-bedroom with a view of the lake that's very pretty. It's under renovation, but it's very nice and very clean. It's a good location that's easy to get to. I...Read more Sun Towers Retirement reviews
Sun Towers Retirement is a very friendly place. The staff is very competent, and the apartments are lovely. It is located right in the heart of Sun City Center, and everything is so accessible. We have water exercises, Bingo, board games, outings to restaurants, and a bus that takes us to the grocery store and to the b...Read more Sun Towers Retirement reviews
Genworth’s 2018 Cost of Care study shows the average monthly cost of assisted living in Sun City Center is lower than the state ($3,500) and national ($4,000) averages. Further south, assisted living prices are higher in Punta Gorda ($3,400), North Port Area ($3,874) and Cape Coral ($4,000), while prices of inland areas, such as Sebring ($3,038) and Lakeland ($2,808), are lower.
Note: Senior care cost data wasn’t available for Sun City Center, so data for the closest city, Tampa, was used.
The Cost of Assisted Living in Surrounding Areas
When comparing the different costs for senior care, it’s important to understand the range of services and support provided with each senior care option. Nursing home care in Sun City Center is more than twice the cost of assisted living, largely because nursing home care includes around-the-clock skilled nursing under the supervision of a Registered Nurse. By comparison, assisted living facilities are usually staffed by care aides or attendants, and the staff-to-senior ratio may be much lower than in a nursing home.
In-home senior care for 44 hours per week costs more than assisted living, and unlike residential care services, in-home senior care prices don’t include ongoing costs, such as food and home maintenance.
Senior Care Cost Comparison Chart
One in five Florida residents is 65 or older, and Medicaid, the national, government-funded health insurance plan for low-income Americans, provides basic health coverage to 88% of Florida’s elderly and disabled.
Medicaid eligibility is based on the income and assets of each applicant. In Florida, seniors who collect Social Security Income benefits automatically qualify for Medicaid coverage.
Low-income seniors age 65 and older who need long-term care services may be eligible if their monthly income is $2,313 or less and they have under $2,000 ($3,000 for couples) worth of countable assets, such as cash, stocks and recreational real estate. Medicaid exempts some assets, including one vehicle, a nonrevocable burial trust, personal belongings and a home that the applicant lives in valued at no greater than $585,000.
Note: Seniors with incomes in excess of the Medicaid limits cannot spend down their excess income to achieve Medicaid eligibility since Florida is an income cap state. Florida Medicaid rules do, however, permit the use of a Qualified Income Trust.
Also known as a Miller Trust, a QIT is a non-revocable legal agreement that requires seniors place any income exceeding Medicaid limits into a trust account. This trust is used to pay the patient responsibility portion of Medicaid costs, along with other specified medical expenses. Upon death, the balance of the trust account is paid to the state up to an amount that equals what Medicaid paid while the trust was in place.
Statewide Medicaid Managed Care Long-Term Care Program
Florida seniors who meet the Medicaid income and asset limits and need nursing home level care may qualify for the Statewide Medicaid Managed Care Long Term Care Program.
SMMC LTC reduces nursing home placement rates by supplementing support services to seniors in assisted living facilities. These services are assigned based on medical need and may include skilled nursing, personal care, medication administration and/or adult day health.
To learn more about Florida Medicaid programs for seniors including the SMMC LTC and Qualified Income Trusts, contact ACCESS Florida at (866) 762-2237.
Optional State Supplementation
The Florida Department of Children and Families provides financial assistance to low-income seniors in assisted living facilities or other types of community care through the Optional State Supplementation program. Money from the OSS is designed to help seniors pay for the room and board portion of their care, and payments are usually directed to the facility.
To qualify, seniors must either receive SSI benefits or earn an income that’s at or below SSI rates and own no more than $2,000 in countable assets. If approved, individual seniors may receive a maximum of $78.40 per month, while couples applying together may be eligible for up to $156.80 per month.
For more information, contact ACCESS Florida at (866) 762-2237.
Veterans Aid and Attendance Benefits and Housebound Allowance
Veterans and survivors who receive a regular VA pension may be eligible for additional funding through VA Aid and Attendance Benefits and Housebound Allowance. These two programs provide pension top-ups for qualified applicants who are either housebound as a result of a disability or have an illness or disability that significantly limits their ability to function independently.
Aid and Attendance provides a maximum annual pension of $22,577 to veterans without dependents and $26,766 for veterans with one dependent. For survivors, the maximum annual pension is $14,509 without dependents and $17,309 with one dependent.
To qualify for A&A, applicants must meet at least one of the following criteria:
The Housebound Allowance provides a maximum annual pension of $16,540 to veterans without dependents and $20,731 for veterans with one dependent. For survivors, the maximum annual pension is $11,095 without dependents and $13,893 with one dependent.
To qualify for the Housebound Allowance, applicants must have a permanent disability limiting them to their principal place of residence aside from travel needed to attend medical appointments.
For more information and assistance with the application process, contact the Southshore Regional Service Center at (813) 272-5600.
As residents of Hillsborough County, seniors in Sun City Center are also welcome to participate in programs at any of the eight county-run senior centers. These centers offer senior-friendly fitness classes, internet-connected computers and free Wi-Fi and host special holiday events. Seniors can participate in free health information seminars, join a sewing circle to make items for cancer patients and join field trips to local restaurants or attractions.
Membership is free and open to adults 50 and older, and noontime meals are available for seniors 60 and older.
Seniors who need door-to-door transportation within Hillsborough County can use the Sunshine Line, a low-cost, barrier-free transportation service for the elderly and disabled. The Men’s Club of Sun City Center provides medically frail seniors with access to a low-cost emergency personal response system, and the Tax Aide Club helps low-income seniors complete their tax returns.
2709 E Hanna Ave, Tampa, FL 33610
Men’s Club Lifeline
1002 Cherry Hills Dr, Sun City Center, FL 33573
Veterans who need assistance accessing benefits, including completing an application for the Aid and Attendance Benefit or Housebound Allowance, can contact Hillsborough County Veterans Services. VA outpatient health services are available at the newly constructed South Hillsborough CBOC.
Hillsborough County Veterans Services – Southshore Regional Service Center
410 30th St SE Ste 104, Ruskin, FL 33570
South Hillsborough Community-Based Outpatient Clinic
12920 Summerfield Crossing Blvd, Riverview, FL 33579
(813) 972-2000 Ext. 1710
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