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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 With Love Assisted Living and Adult Care

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The&nbsp;<a href="https://www.genworth.com/aging-and-you/finances/cost-of-care.html" rel="noopener noreferrer" target="_blank">2018 Genworth Cost of Care</a>&nbsp;survey compiled senior care costs from across the nation. The survey shows a monthly rate of $4,250 for assisted living in Baltimore, which is $423 below the state median of $4,673, but $250 above the national average of $4,000. Seniors in Baltimore pay considerably less than those in California ($5,900), Salisbury ($5,315) and Hagerstown ($5,045). Assisted living in Baltimore is $800 more expensive than in Cumberland, which has the lowest average cost in Maryland at $3,650 per month.

Assisted Living Costs in Baltimore

The Cost of Assisted Living in Surrounding Areas

Senior care costs in the city of Baltimore vary widely from an average of just $1,880 per month for weekday-only adult day health services to $9,733 for round-the-clock skilled nursing home care. These drastic price differences are primarily related to the level of care provided. At $4,250, the monthly price of assisted living is on par with home health aide services ($4,242) and about $250 more than homemaker services. Seniors comparing their options should keep in mind that rates for in-home care are based on 44 service hours per week and don’t cover food and housing-related expenses. In contrast, the rate for assisted living includes room and board, which covers meals and accommodations.

Care Cost Comparison

Senior Care Cost Comparison Chart

Financial Assistance for Assisted Living in Baltimore

Optional State Supplementation 
 
Baltimore seniors who receive SSI payments or meet the program&rsquo;s eligibility requirements except for income may be eligible for a cash benefit through the Maryland&nbsp;<a href="https://www.ssa.gov/policy/docs/progdesc/ssi_st_asst/2011/md.html" rel="noopener noreferrer" target="_blank">Optional State Supplementation</a> program. Seniors who live in care homes or assisted living facilities may qualify for up to $184 per month to help pay for room and board or other expenses. 
 
To apply for Maryland OSS benefits, seniors can call the&nbsp;<a href="https://www.ssa.gov/agency/contact/phone.html" rel="noopener noreferrer" target="_blank">Social Security Administration</a>&nbsp;at (800) 772-1213.&nbsp; 
 
Senior Assisted Living Group Home Subsidy 
 
The Maryland <a href="https://aging.maryland.gov/Pages/senior-assisted-living-group-home-subsidy.aspx" rel="noopener noreferrer" target="_blank">Senior Assisted Living Group Home subsidy</a> is a state-funded program that provides up to $650 per month toward the cost of assisted living services to give eligible seniors an alternative to nursing home admission. 
 
The program is open to frail Baltimore residents aged 62 or older who can&rsquo;t live independently due to physical or mental impairment. Applicants must live in a small, licensed&nbsp;group home under contract with the city&rsquo;s designated&nbsp;<a href="https://health.baltimorecity.gov/programs/seniors" rel="noopener noreferrer" target="_blank">Area Agency on Aging</a> and meet the program&rsquo;s <a href="https://www.baltimorecountymd.gov/Agencies/aging/financial/benefits.html" rel="noopener noreferrer" target="_blank">financial guidelines</a>:

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<ul>
	<li>Single seniors are allowed a maximum income of $2,904 per month and assets of $11,000 or less</li>
	<li>Couples applying together can have up to $3,797 in combined monthly income and assets worth up to $14,000</li>
	 
	 
	 
	&nbsp;
	<li>The program accepts a limited number of participants, so qualified seniors may be placed on a waiting list before receiving assistance. 
	 
	To learn more or apply, seniors can contact the Baltimore Health Department&rsquo;s <a href="https://health.baltimorecity.gov/programs/seniors" rel="noopener noreferrer" target="_blank">Division of Aging and CARE Services</a> at (410) 396-4932.</li>
</ul>

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Other Financial Assistance Programs for Assisted Living

The average cost of assisted living in the city is $4,250 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 Assisted Living Community in Baltimore and several in surrounding areas. The Cost of Senior Care in Baltimore, MD<ul><li>Assisted Living: $4,250</li><li>Nursing Home Care: $9,733</li><li>In-home Care: $4,004</li><li>Adult Day Health Services: $1,880</li></ul>

Assisted Living in Baltimore, MD

Assisted Living Articles and Resources

Close to a million Maryland residents receive free or low-cost health insurance coverage through <a href="https://www.medicaid.gov/" rel="noopener noreferrer" target="_blank">Medicaid</a>, the government-funded health care program for Americans who have&nbsp;limited income and resources. Of this number,&nbsp;<a href="http://files.kff.org/attachment/fact-sheet-medicaid-state-MD" rel="noopener noreferrer" target="_blank">one in five residents</a>&nbsp;are elderly, blind or disabled. 
 
The Maryland Department of Health administers the state Medicaid program known as <a href="https://mmcp.health.maryland.gov/Pages/home.aspx" rel="noopener noreferrer" target="_blank">Medical Assistance</a>. The program provides a wide range of <a href="https://www.marylandhealthconnection.gov/shop-and-compare/medicaid-basics-and-benefits/what-does-medicaid-cover/" rel="noopener noreferrer" target="_blank">health care benefits</a> to eligible Maryland residents of all ages, including children, pregnant women, disabled adults and seniors. Covered benefits include doctor visits, clinic and hospital services, prescriptions, home health care services and long-term care in a nursing facility. 
 
Baltimore residents must be U.S. citizens or permanent legal residents and aged 65 or older or disabled to qualify for MA home and community-based long-term care coverage. Those approved for <a href="https://www.ssa.gov/ssi/" rel="noopener noreferrer" target="_blank">Supplemental Security Income</a> benefits are enrolled in MA automatically. Others who apply must meet specific financial criteria of: 
&nbsp;

<ul>
	<li>A maximum monthly income of $2,313 per person whether single or married</li>
	<li>Up to $2,000 in total countable assets for single applicants</li>
	<li>Up to $3,000 in combined countable assets for married co-applicants</li>
</ul>

&nbsp;

 
All sources of income count toward the MA eligibility limits, along with assets, such as cash, bank account balances, stocks, bonds and investment real estate. Some assets are excluded, including one vehicle, personal belongings, an owner-occupied home valued up to $585,000 and household effects. 
 
Community First Choice Services Program 
 
Maryland&rsquo;s MA program offers the&nbsp;<a href="https://mmcp.health.maryland.gov/longtermcare/Resource%20Guide/03.%20Program%20Fact%20Sheets/Fact%20Sheet%20-%20CFC%20March%202018.pdf" rel="noopener noreferrer" target="_blank">Community First Choice Services program</a>&nbsp;to give seniors the option of receiving long-term care support services in a community setting, such as an assisted living facility.&nbsp;To qualify, applicants must meet the eligibility requirements for MA coverage and need assistance with basic activities of daily living. The program&rsquo;s goal is to help seniors avoid premature nursing home admission by providing a range of support services, such as:

&nbsp;

&nbsp;

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<ul>
	<li>Support planning</li>
	<li>Personal care</li>
	<li>Monitoring by a nurse</li>
	<li>Personal emergency response systems</li>
	<li>Assistive technology</li>
	<li>Transition assistance to relocate from a nursing facility</li>
</ul>

&nbsp;
 
Baltimore seniors can apply for <a href="https://mydhrbenefits.dhr.state.md.us/dashboardClient/#/home" rel="noopener noreferrer" target="_blank">MA coverage online</a> or call (800) 332-6347. To learn more about the CFCS program or apply, seniors can contact the city&rsquo;s <a href="https://health.baltimorecity.gov/seniors/maryland-access-point-map" rel="noopener noreferrer" target="_blank">Maryland Access Point</a> helpline at (410) 396-2273.&nbsp; 
 
Maryland Home and Community-Based Waiver Programs 
 
Maryland currently offers two waiver programs to help seniors with MA long-term care coverage who are currently living in nursing homes transition back to a community setting, such as an assisted living facility. The <a href="https://mmcp.health.maryland.gov/longtermcare/SiteAssets/SitePages/Community First Choice/HCBOW Fact Sheet 11.17.15.pdf" rel="noopener noreferrer" target="_blank">Community Options</a> and <a href="https://mmcp.health.maryland.gov/longtermcare/Resource Guide/03. Program Fact Sheets/Fact Sheet - ICS March 2018.pdf" rel="noopener noreferrer" target="_blank">Increased Community Services</a> waiver programs provide case management, transition assistance and a range of similar support services, such as personal care assistance, nutritionist services, assistive technologies, nurse monitoring and personal emergency response systems. 
 
Each waiver program has financial requirements that must be met. The two programs have the same asset limit of $2,000 to $2,500, but different income limits:


&nbsp;

&nbsp;

&nbsp;

&nbsp;

<ul>
	<li>With the Community Options program, individual applicants are limited to $2,313 per month.</li>
	<li>With the Increased Community Services program, seniors must have an income less than the <a href="https://www.medicaidplanningassistance.org/nursing-home-costs/" rel="noopener noreferrer" target="_blank">state rate for nursing home care</a>, which is currently about $6,813 per month. However, they must contribute any income over $2,313 toward their care costs.</li>
</ul>

&nbsp;
 
For more information on the CO waiver, seniors can contact&nbsp;<a href="https://mmcp.health.maryland.gov/longtermcare/SiteAssets/SitePages/Community%20First%20Choice/HCBOW%20Fact%20Sheet%2011.17.15.pdf" rel="noopener noreferrer" target="_blank">Medicaid Long Term Care and Waiver Services</a>&nbsp;at (410) 767-1739. To learn more about the ICS waiver, seniors can call the&nbsp;<a href="https://health.baltimorecity.gov/seniors/maryland-access-point-map" rel="noopener noreferrer" target="_blank">Baltimore MAP helpline</a> at (410) 396-2273.


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Medicaid in Maryland

Detailed profile of Assisted Living Facility in Baltimore, MD. Average cost is 4250 per month. Reviews, ratings, costs, pictures, amenities, and more.

Baltimore's Best Assisted Living Facilities for 2023

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Other Senior Living in Baltimore, MD

Assisted Living Resources in Baltimore

The Baltimore City Health Department&rsquo;s Aging Services office operates the&nbsp; Maryland Access Point&nbsp;helpline to provide seniors and their families with a single gateway to aging-related resources. MAP and assistance specialists provide screening and referrals for vital programs and services, such as options counseling, loans of medical equipment, needs assessments, caregiver support, nutrition and transportation.

Aging Services Access Line

Baltimore is home to <a href="https://health.baltimorecity.gov/seniors/senior-centers" rel="noopener noreferrer" target="_blank">13 senior centers</a> that offer a wide variety of programs, activities and services to help older adults stay active and engaged with their peers and the community. Each center hosts the Eating Together in Baltimore congregate lunch program that provides nutritious weekday meals for those aged 60 and older. Other programs vary between centers but may include arts and crafts, exercise classes, bingo and other popular games,&nbsp;Bible studies and day trips. Most centers host health screenings, educational seminars, special social events and outreach services.

Senior Centers

Reviews of Baltimore Assisted Living Facilities

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Welcome to J.L. Care Enterprises. Our inviting senior living community offers residents the comfort and convenience of a hassle-free lifestyle free from the burdens of home ownership. Located in the city of Baltimore, we provide a variety of on-site services to help our residents enjoy their stay to the fullest. In addition, we provide a choice amount of amenities to promote a relaxing experience for individuals residing at our community. Accommodations come in a selection of options. Depending on the individual, J.L. Care Enterprises could be the perfect fit for seniors seeking senior living options in or around Baltimore, MD.

J.L. Care Enterprises

At Serenity Garden Manor, we provide all the services offered at a large-scale community, yet by only caring for 15 residents, we offer an intimacy that can't be matched. We understand it can be very difficult for your family member to leave their beloved home, which is why we strive to make our community feel just like home.

Serenity Garden Manor provides care in homelike environment where you can be comfortable and get the help you need.

We also are in close proximity to most all essential and desirable medical, shopping, restaurants, highways,and emergency services and facilities.

Some of Our Services and Amenities Include
<ul>
<li>Semi-Private Bedrooms</li>
<li>24 Hour Supervision</li>
<li>Delicious Home Cooking and Snacks</li>
<li>Visiting Physician Services, Speech Therapy, OT, PT</li>
<li>Dedicated Nurse and Nurse Practitioner</li>
<li>Medication Management</li>
<li>Laundry</li>
<li>Housekeeping</li>
<li>Planned Outings</li>
<li>Activities</li>
<li>Entertainment</li>
<li>Off Site Excursions</li>
<li>Parties</li>
<li>Outdoor Space - Deck, Patio</li>
<li>TVs in Each Bedroom</li>
<li>Free Wireless Network</li>
<li>Handicap Accessible</li>
</ul>

 To learn more about this provider's license and review other available state reports, please visit: <a href="https://healthcarequality.mhcc.maryland.gov/AssistedLiving/List">Maryland Office of Health Care Quality Licensee Directories</a>

Serenity Garden Manor

The Mohawk Estate reflects the best of the best in terms of senior living. Although the facility has 24-hour staff, we promote independence throughout. 

A balanced mix of clients allow for a very social and active environment. It really feels like home. 

This super clean bright home feels like home at the door.

<ul>
<li>We offer memory care
<li>Hoyer lift certified
<li>Transportation available
<li>TVs in ALL rooms with full WiFi + over 100 channels
<li>Shopping trips (if able due to physical limitations)</li>
</ul>

The Mohawk Estate

The Waterfalls of Catonsville we designed our Estate from the ground up to support and accommodate individuals who have been diagnosed with Alzheimer's disease and other forms of dementia. Our care manager ratio is one of the best in the industry. Additionally, we have a wing designed to support those in need of hospice.
 
 
 
 The Waterfalls of Catonsville aims to maximize the quality of life by creating spaces and activities for interaction, socialization and opportunities to do activities with our staff as well as other residents.
 
 
 
 As well as these services, we also offer through third parties:
 
 <ul>
 
 <li>House doctor or personal physician
 
 <li>Physical therapy
 
 <li>Speech therapy
 
 <li>Mental health physician
 
 <li>Portable x-ray services
 
 <li>Electronic medication management
 
 <li>Podiatrist</li>
 
 </ul>

The Waterfalls of Catonsville

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With Love Assisted Living and Adult Care - Baltimore, Maryland

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