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The average cost of assisted living in the city is $3,525 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 2 assisted living facilities in Biloxi and 2 in surrounding areas.
The Cost of Senior Care in Biloxi, MS
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Residents of Brookdale Biloxi enjoy the community’s proximity to Gulf Coast recreation, as well as spacious accommodations, delicious meals and excellent senior care.
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Bay Cove Assisted Living is Cedar Valley’s finest independent living and retirement community. We have a number of home health care agencies in the area who can assist you with a full range of options depending on your needs.
Everything is very nice at Brookdale Biloxi, but my aunt is not ready. Nevertheless, it's wonderful, beautiful, and looks brand new. They have themed parties, play bingo, and shopping and on field trips. They also take them to doctors' appointments. They just had a theater room put in. If my aunt will cooperate, this i...Read more Brookdale Biloxi reviews
Brookdale Biloxi was beautiful. The staff member who showed me around was wonderful. The dining area was beautiful. They also have a bistro and someone has cookies, and they said it's really delicious. I had drink and it was nice. They play games, go to Walmart once a week, and they take you anywhere you need to go. It...Read more Brookdale Biloxi reviews
Assisted living facilities in the Biloxi area charge an average of $3,525 per month, according to the Genworth Cost of Care Survey 2018. This is almost on par with the $3,493 state median but $425 below the national average of $4,000.
The rate seniors pay locally is comparable to the monthly average in Hattiesburg ($3,485), Mobile, Alabama, ($3,424) and New Orleans, Louisiana, where the cost is slightly higher at $3,610. The average price paid in Jackson is considerably more expensive at $4,123 per month.
Note: Data for senior care costs in Biloxi wasn’t available, so data for the nearby area Gulfport was used instead.
The Cost of Assisted Living in Surrounding Areas
Assisted living and other senior care options in Biloxi span a wide cost range. These variations are largely due to the degree of care and whether meals and housing are provided. Adult day health services attended Monday through Friday in a group setting is the least costly option at $867 per month. On the other extreme, the 24-hour skilled care services provided in nursing homes start at $7,087 per month.
At $3,535, assisted living facilities that provide room and board cost just half as much as nursing homes. The average rates for homemaker ($3,241) and home health aide ($3,337) services are similar to assisted living, but these options don’t cover daily living expenses. Seniors who receive care at home pay extra for food, utilities, upkeep and other household operating costs.
Senior Care Cost Comparison Chart
The Medicaid program that operates as a state and federal cooperative effort from coast to coast provides a vital safety net for low-income Americans who can’t afford health insurance. Each state administers its own customized program based on Federal guidelines. The Mississippi program is managed by the Division of Medicaid and serves one-quarter of the state’s population.
Qualifying for Medicaid Long-Term Care Coverage
Blind and disabled adults and the elderly who meet the Mississippi Medicaid program’s eligibility requirements can receive coverage for physician and specialist care, inpatient, outpatient and emergency hospital services, prescription drugs and long-term care in a nursing home.
To qualify, applicants must be aged 65 or older — or blind or disabled if aged 64 or younger — and American citizens or legal immigrants. Biloxi residents who successfully apply for Supplemental Security Income benefits are automatically enrolled in Medicaid. All others who wish to apply must meet the program’s financial requirements that stipulate:
Mississippi Medicaid considers applicants’ income from all sources when determining eligibility. While most assets count toward the limit, several are disregarded, including:
If only one person in a married couple applies, the applicant is allowed the individual qualifying amounts of monthly income and assets. If the individual is over either limit, they may qualify for coverage once Medicaid-mandated spousal needs and resource allowances are deducted. These allowances let an applicant transfer up to $3,160.50 in monthly income and $126,420 in joint assets to the non-applicant to help prevent spousal impoverishment.
To learn more or obtain help with their application, Biloxi seniors can apply for Medicaid online or call the program’s Office of Eligibility at (800) 421-2408.
Mississippi Assisted Living Waiver
Nursing home care is the only long-term care entitlement under the Mississippi Medicaid program. However, the state does offer an alternative to institutional care through its Assisted Living waiver. This program covers the cost of care services in personal care homes and assisted living, community residential care and congregate housing facilities. Those who enroll have to pay for their own room and board, but the waiver covers case management and various supportive services, such as:
Seniors may qualify for the AL waiver program if they meet the regular Medicaid eligibility guidelines and are assessed as needing a nursing home level of care but are physically and cognitively capable of living in the community.
For more information about the Assisted Living waiver or to apply, Biloxi seniors can contact the Department of Rehabilitation Services at (800) 443-1000.
Assisted Living Bridge Loan
Seniors waiting for assets to sell or benefits to begin before moving to an assisted living community may consider taking out a bridge loan through Elderlife Financial. These loans are designed to cover move-in fees, rent and other related costs until long-term funding falls into place.
They’re structured as a maximum 12-month line of credit with interest-only payments due each month. There are no out-of-pocket, application or early repayment fees, and up to six family members can cosign the application to make approval faster and easier.
VA Aid and Attendance and Housebound Benefits
Elderly Biloxi veterans and their surviving spouses who have extra care costs may be eligible for a top up to their standard VA pensions. The VA offers two distinct benefit options to those not currently receiving a disability pension: the Aid and Attendance and Housebound programs.
To qualify, seniors must have an income of $22,577 or less and be honorably discharged with a minimum 90-day active service record, which includes at least one day during wartime. Each program also has specific requirements:
Those applying for the Housebound benefit must have a permanent disability that keeps them largely confined to their residences.
To qualify for A&A benefits, applicants must meet one of these conditions:
Senior veterans in Biloxi who wish to learn more information or apply can contact the Harrison County Veterans Services office at (228) 435-8271.
Harrison County and the Biloxi Parks and Recreation Department operate four thriving senior activity centers in the city where local residents aged 55 and older can gather to socialize and take part in a wide range of life-enriching programs.
Depending on the center a senior visits, they can enjoy a healthy congregate lunch, arts and crafts, bridge and bingo games, ceramics lessons, strength and balance training and pickleball. The centers also offer frequent events, such as special luncheons, tea parties, rock ‘n roll bashes, movie days, field trips and a seniors’ prom.
Donal M. Snyder Community Center
2520 Pass Rd., Biloxi, MS39531
Dr. Frank Gruich Community Center
591 Howard Ave., Biloxi, MS 39530
Woolmarket Prime of Life Center
16320 Old Woolmarket Rd., Biloxi, MS 39532
East Biloxi Senior Center
461 Parker St., Biloxi, MS 39530
Experienced service officers with the Harrison County Veterans Services department are available to help area veterans, their dependants and survivors learn about the VA compensation they’re entitled to and provide assistance with applications and appeals for pensions and benefits.
Comprehensive medical services are available at the Gulf Coast Veterans Medical Center, including primary and extended care, internal medicine, surgery, oncology and geriatric services.
Harrison County Veterans Services
730 Dr. Martin Luther King, Jr. Blvd., Biloxi, MS 39530
Gulf Coast VA Medical Center
400 Veterans Ave., Biloxi, MS 39531
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