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The average cost of assisted living in the county is $4,250 a month. This guide is a starting point covering the cost of assisted living care in the county, as well as financing options to pay for it. You’ll find in-depth information on 5 assisted living facilities in Harford County and 30 in surrounding areas.
The Cost of Senior Care in Harford County, MD
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Greenfield Senior Living at Bel Air is a comfortable, homelike community that delivers personalized assisted living services and memory care by caring staff.
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As shown in Genworth’s 2018 Cost of Care study, seniors in Harford County pay significantly less than the state’s $4,673 monthly average cost for assisted living. The county’s $4,250 average monthly rate is over the $4,000 national average but much less expensive than costs in other Maryland areas, including Salisbury ($5,315), California ($5,900) and Hagerstown ($5,045). Harford County’s assisted living costs are most comparable to those in the Pennsylvania areas of York ($4,145) and Lancaster ($4,350). Within Maryland, the least expensive region for assisted living is Cumberland, where the average monthly cost is $3,650.
Note: Senior care cost data wasn’t available for Harford County, so data for the closest area, Baltimore, was used.
The Cost of Assisted Living in Surrounding Areas
At $4,250 per month, the average cost of assisted living in Harford County is comparable at first glance to the price of home health care services. While the upfront costs of homemaker services ($4,242) and home health aides ($4,004) include care that helps many seniors live in their homes, these prices don’t include ongoing living expenses such as rent, meals, utilities and home maintenance. Adult day health services are a cheaper option at $1,880 per month, but care is only available during daytime hours at a center outside the senior’s home. As the most expensive type of senior care, skilled nursing services ($9,733) are available around the clock to those living in a nursing facility.
Senior Care Cost Comparison Chart
Low-income seniors, children, families and people with disabilities across Maryland may be able to receive free or low-cost health care services through the state’s Medicaid program.
Primary Maryland Medicaid benefits include:
For seniors at least 65 years old, Long-Term Services and Supports waivers, which are programs within Medicaid that cover home and community-based services such as assisted living and personal care, may also be available.
Community Options Waiver
Seniors requiring a nursing home level of care but who wish to reside in an assisted living setting may be eligible to participate in the Community Options waiver.
To qualify for the Community Options waiver, seniors should:
Benefits of the Community Options waiver include:
Increased Community Services
The Increased Community Services program may be an alternative option for Harford County residents wishing to reside in an assisted living home but who are ineligible for the Community Options waiver due to income and asset requirements.
ICS participants enjoy the following benefits:
To be eligible for the ICS, Harford County seniors must meet the following financial requirements:
Additionally, interested seniors should:
Medicaid services are automatically available to disabled seniors aged 65 and older who are already enrolled in Medicaid and receive SSI.
Senior Assisted Living Group Home Subsidy
Seniors who meet the following criteria may qualify to receive up to $650 for assisted living care through the Senior Assisted Living Group Home subsidy program:
Harford County seniors should contact their local Maryland Access Point at (410) 638-3025 to learn about their local SALGHS-approved assisted living options.
Elderlife Bridge Loans
Harford County seniors looking for a short-term plan for paying for assisted living may be eligible to receive financial assistance through an Elderlife Financial bridge loan. These low-interest loans give approved seniors of any age financial help while they wait for their longer-term plan for care to begin. The application process is free and quick, with funds available upon approval in as little as 24 hours.
To determine whether an individual qualifies, Elderlife uses the combined credit scores of all co-applicants on the loan as well as the senior’s income and asset information. The individual’s plan to pay for long-term care is also considered.
To apply for a loan, Harford County residents can complete the online application or call (888) 228-4500.
Harford County veterans and their dependents have access to financial, health and career services provided through the American Legion and Department of Veterans Affairs. Additionally, each office has qualified staff or volunteers available to help with benefits filings and claims tracking.
500 N. Hickory Ave., Bel Air, MD 21014
Department of Veterans Affairs
2 S. Bond St., Bel Air, MD 21014
Area senior activity centers are equipped with game rooms, fitness centers, lounges and multipurpose rooms for social gatherings, exercise and recreational activities to help improve residents’ quality of life.
McFaul Activity Center
525 W. MacPhail Road, Bel Air, MD 21014
Fallston Activity Center
1707 Fallston Road, Fallston, MD 21047
Edgewood Activity Center
1000 Gateway Road, Edgewood, MD 21040
Havre de Grace Activity Center
351 Lewis Lane, Havre de Grace, MD 21078
The Harford County Office on Aging provides information to area seniors and their caregivers regarding Medicaid and Medicare programs, housing programs and transportation services. A long-term care ombudsman program is also available for those living in assisted living or nursing homes.
Harford County Office on Aging
145 N. Hickory Ave., Bel Air, MD 21014
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