Questions? Talk to a local advisor for free


Assisted Living in Florence, KY

The average cost of assisted living in the city is $4,998 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 5 assisted living facilities in Florence and 30 in surrounding areas.

The Cost of Senior Care in Florence, KY

  • Assisted Living: $4,998
  • Nursing Home Care: $7,528
  • In-home Care: $4,195
  • Adult Day Health Services: $1,560

Elmcroft of Florence - Kentucky

212 E. Main St.
Florence, KY

Call 1-800-991-9257 for details

6 Reviews
Starting at XXXX per month

Call 1-800-991-9257 for details

6 Reviews
Starting at XXXX per month

At Elmcroft of Florence, Kentucky our residents appreciate that the atmosphere is very much like home, with ample opportunities for privacy as well as participation.

Magnolia Springs Florence

7665 Ewing Boulevard
Florence, KY

Call 1-800-991-9257 for details

Starting at XXXX per month

Call 1-800-991-9257 for details

Starting at XXXX per month

Live the Life You Love At Magnolia Springs Florence Who says moving to a senior living community means giving up your sense of independence? Magnolia Springs embraces the fact you are your own person, different, unique, one-of-a-kind—with your own lifestyle,…

Dominion Senior Living of Florence

4009 Seligman Dr
Florence, KY

Call 1-800-991-9257 for details

Call 1-800-991-9257 for details

Dominion Senior Living of Florence is a retirement community scheduled to open in beginning 2019. Our community will serve seniors in Florence, Kentucky and be located conveniently near Merchants Square. Dominion Senior Living of Florence will include a courtyard with…

Colonial Heights and Gardens

6900 Hopeful Road
Florence, KY

Call 1-800-991-9257 for details

1 Review

Call 1-800-991-9257 for details

1 Reviews

Our mission is to provide a range of retirement housing options and services for senior adults according to their needs, in an environment reinforcing the quality of life as it relates to their physical, mental and spiritual well-being.

Arcadia Apartments

100 Christian Drive
Florence, KY

Call 1-800-991-9257 for details

Call 1-800-991-9257 for details

We Can Help! Our Local Advisors can help your family make a confident decision about senior living.

Reviews of Florence Assisted Living Facilities

Colonial Heights and Gardens

Review by Jerry | Consumer

Everything at Colonial Heights and Gardens seemed to be real good. We were happy with it. The lady there was very nice and even my son and daughter were all pleased with her. We just saw the room, and it was nice, clean, and neat. We were very satisfied with the tour.

Read more Colonial Heights and Gardens reviews

Elmcroft of Florence - Kentucky

Review by Marilyn | Consumer

Elmcroft of Florence is a great place, and I would definitely recommend it. They offered services that surprised me pleasantly. The people there seemed to be very friendly and approachable. Some of the amenities they have are the usual dining amenities, activities, and special care amenities. They accept pets, and they...

Read more Elmcroft of Florence - Kentucky reviews

Elmcroft of Florence - Kentucky

Review by Catherine | Consumer

Elmcroft of Florence Kentucky was very nice. Everything was very clean and very pretty. It was absolutely gorgeous. My father has anxiety, and this place would've been nice because it was small and very intimate. They have the memory care there, so you have more of a security. People just can't come and go especially a...

Read more Elmcroft of Florence - Kentucky reviews

Elmcroft of Florence - Kentucky

Review by Terry | Consumer

My mother is in Elmcroft of Florence - Kentucky. Mealtimes are a little screwy because they open the cafeteria at 5:00, but everybody makes a mad dash down there at 4:00. Dinner is from 5:00 to 6:00, and if you go down at 5:30 you might get stuck with the leftovers. The staff was OK in the little interactions we had wi...

Read more Elmcroft of Florence - Kentucky reviews

Elmcroft of Florence - Kentucky

Review by Carolyn | Consumer

My parents lived in Elmcroft of Florence. It was very nice, beautiful, but severely understaffed, and the food was not good. The amenities were good, although the movie theater was broken the entire time they were there. However, there were lots of places you could reserve for your entire family. They had a Thanksgivin...

Read more Elmcroft of Florence - Kentucky reviews

Elmcroft of Florence - Kentucky

Review by Joyce | Consumer

I chose Elmcroft of Florence - Kentucky for my friend. It's just very nice, it feels very comfortable when you go in, and the staff is nice and very attentive. I know they do some exercises like chair yoga, different activities, they have movies, and things like that. The dining area is nice and the food is good. The r...

Read more Elmcroft of Florence - Kentucky reviews

Map of Florence Assisted Living Facilities

Assisted Living Costs in Florence

Genworth’s 2018 Cost of Care study collects senior care cost data nationwide. The study shows monthly assisted living prices in Florence are higher than the state ($3,520) and national ($4,000) averages. Prices are significantly more expensive in nearby cities, such as Lexington ($4,050), Elizabethtown ($2,800) and Louisville ($3,498), while to the southwest in Owensboro ($1,780), assisted living costs are less than half the cost in Florence. 

Note: Senior care cost data wasn’t available for Florence, so data for the closest city, Cincinnati, was used. 

The Cost of Assisted Living in Surrounding Areas

Care Cost Comparison

The wide range of senior care costs are due to significant differences in the type of care provided, the number of direct service hours each week, and, to a lesser extent, the location. In Florence, nursing home care ($7,528) is the most expensive option because it includes around-the-clock skilled nursing care in a state licensed facility along with room and board. Adult day health services ($1,560) are the least expensive option because this type of care is provided on weekdays in a communal setting. 

Assisted living in Florence costs about $800 more per month than 44 hours weekly of in-home care, however, assisted living prices include accommodations, meals, utilities and home maintenance. 

Senior Care Cost Comparison Chart

Financial Assistance for Assisted Living in Florence

Medicaid in Kentucky

Medicaid is the nationwide, government-funded health benefit program that provides basic health care for Americans who are unable to afford health insurance. In Kentucky, approximately 22% of residents are covered by Kentucky Medicaid, and about 53% of the state’s Medicaid expenditures go to support the elderly and disabled. 

To qualify for long-term care through Medicaid in Kentucky, seniors 65 and older must meet income and asset limits as well as specific needs-based criteria. Medicaid applicants can earn no more than 300% of the current Federal Benefit Rate, which is $2,313, and own no more than $2,000 in countable assets, such as cash, investment properties, stocks and bonds. 

Some assets are exempt, including the principal residence of the applicant valued up to $585,000, personal belongings, one vehicle and a non-revocable burial trust. 

As an income cap state, Kentucky doesn’t allow applicants to spend down their excess income on medical expenses in order to meet the Medicaid income limit.

Home and Community Based Waiver for the Aged

Medicaid-eligible seniors aged 65 and older and adults under 65 with a Social Security disability designation may qualify for services through the Home and Community Based Waiver for the Aged. This Medicaid waiver is designed to reduce nursing home placements by providing enrollees with services and supports needed to prevent their placement in a nursing home. 

To qualify, seniors and the disabled must meet the criteria for nursing home care and prefer to live in an assisted living facility or their own home. If approved, services provided through this waiver may include: 

  • Adult day health care
  • Personal and attendant care to help with activities of daily living
  • Homemaker services
  • Home meal delivery
  • Minor home modifications, such as installation of safety bars

For more information on Medicaid and the HCB waiver, contact Kentucky Medicaid at (855) 459-6328

Other Financial Assistance Programs for Assisted Living

Optional State Supplementation

Seniors 65 and older who receive federal Social Security Income payments and reside in an assisted living facility due to age-related deterioration or disability may qualify for SSI top-up funding through the Optional State Supplementation program. 

OSS money is designed to help seniors pay for the room and board portion of their monthly living costs. If approved, SSI recipients may receive a maximum combined federal and state SSI/OSS payment of $1,194.00. 

For more information, contact the Kentucky Department for Community Based Services at (855) 306-8959. 

Assisted Living Bridge Loans

Seniors who are selling their home to move into an assisted living facility and  need access to cash to fund their move may qualify for an assisted living bridge loan through Elderlife Financial

Structured as a 12-month line of credit with monthly interest-only payments, bridge loan applications can be made over the phone at no cost to the senior, and up to six people can be listed on the loan. Approvals generally take less than 24 hours, and borrowers can pay off the entire balance at any point without penalty. 

For more information contact Elderlife Financial Services at (888) 228-4500. 

Assisted Living Resources in Florence

Senior Centers

The Florence Senior Activity Center offers a wide range of free and low-cost activities for seniors 50 and older, including chair yoga and chair volleyball, weekly bingo and canasta games, line dancing lessons and sign language classes. Seniors can also participate in escorted day trips to local attractions and restaurants, take part in holiday events and join an art workshop. 

Florence Senior Activity Center
7431 U.S. 42, Florence, KY 41042
(859) 282-4061

Community Aid Agencies

The Northern Kentucky Area Agency on Aging provides area seniors with assistance navigating health coverage options, referrals to assisted living facilities and help accessing transportation to medical appointments. 

Northern Kentucky Area Agency on Aging
22 Spiral Drive, Florence, KY 41042
(859) 283-1885

Resources for Veterans

Outpatient VA health services are available at the Florence VA Clinic, which is affiliated with the Cincinnati VA Medical Center. Assistance with VA benefit applications and appeals is available by appointment through the Kentucky Department of Veterans Affairs, District 12. There is also an American Legion Post where veterans can participate in communal meals, socialize and learn about local resources.

Florence VA Clinic
7310 Turfway Road, Suite 510, Florence, KY 41042-1385
(859) 282-4480

Kentucky Department of Veterans Affairs – District 12
5409 Madison Pike, Independence, KY 41051
(859) 409-6551

American Legion – Florence Boone Post 4
8385 U.S. Highway 42, Florence, KY 41042
(859) 817-0924

Senior Advisor

We've Found 268 Facilities Near 98155.

Request a free consultation:

  • Get personalized guidance from a dedicated local advisor
  • Save time with an easy-to-understand breakdown of services and fees.
  • Our service is 100% free to use - no hidden costs.
Thank You!

A Family Advisor will contact you to help you do your search for you!

Our service is completely free to you.

Speak to an Advisor Now
Fill Out the Form to Unlock Costs!
  • Get Pricing Info for Free
  • Simplify Your Search
  • Compare Costs for Hundreds of Communities in your area