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The average cost of assisted living in the city is $3,500 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 Ballwin and 29 in surrounding areas.
The Cost of Senior Care in Ballwin, MO
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A new luxury retirement community, Brookdale West County is designed to help residents live intellectually stimulating, physically invigorating and emotionally fulfilling lives.
I had the awesome privilege of visiting Lutheran Senior Services at Meramec Bluffs. Right away I knew it was going to be a place of luxury. The building was huge. Resorting a resort almost. I really liked the beautiful log cabin that you can utilize for relaxation. And especially the beautiful Mermac river it's overloo...Read more Lutheran Senior Services At Meramec Bluffs reviews
My mother has been at this facility for the last 4 months and we have had more problems than I can begin to describe here. Within the first 3 weeks, my mother had lost 10 lbs and been hospitalized for dehydration. They do not have an electronic medical record and do not record TIMES medication is given. The Administ...Read more Brookdale West County reviews
My mom moved to Solana six months ago and the staff is very helpful and caring. The reliability of the front desk staff that always make an effort to know her name and her children along with personal tidbits of information. The Chef is very good and will do just about anything he can to satisfy the residents who live...Read more Brookdale West County reviews
The Solana has been "home" to my mother for 15 months and it has been the best thing in her life for years! She has been well cared for by all Solana staff. She is an active and vibrant woman who thrives on the many social activities offered there, especially the daily exercise class, the opportunity to walk around th...Read more Brookdale West County reviews
My mother was one of the first residents of this facility. We were very excited for her to move there. They promised us everything from transportation to Dr's appointments and other places to personal attention which we found out quickly that this was not exactly true. After settling in we noticed that she would com...Read more Brookdale West County reviews
My dad has been here about one year. It looks nice but he complains all of the time. People in his room at nite looking around at his stuff. Meals are brought in and then warmed up. The nurse is an LPN not an RN and calls the doctors exchange unnecessarily. There is no transportation to doctors visits, only shopping e...Read more Brookdale West County reviews
According to the Genworth 2018 Cost of Care study, Ballwin is a relatively expensive area of Missouri for assisted living. The monthly cost for this level of care is roughly $700 higher than the state average, although it is $500 lower than the national average.
Springfield is the most affordable area for assisted living in Missouri, with a monthly average cost of $2,215. Kansas City, Cape Girardeau and Columbia are the most expensive areas in the state and have monthly costs very close to the national average of $4,000.
Note: Senior care cost data wasn’t available for Ballwin, so data for the closest city, St. Louis, was used.
The Cost of Assisted Living in Surrounding Areas
Assisted living in Ballwin has a monthly cost of $3,500, which places it in between adult day care and nursing homes, in terms of both cost and the level of care provided. Homemaker services and health aides cost roughly $800 more than assisted living, and this is before taking into account the savings in utilities, property taxes and other costs already covered in assisted living.
Nursing care in Ballwin is approximately 50% more expensive than assisted living. However, for seniors in need of a higher degree of supervision and medical care, this option is generally easier when seeking financial assistance.
Senior Care Cost Comparison Chart
Seniors in Ballwin can receive health care coverage and financial assistance for long-term care from MO HealthNet, which is the Medicaid program in Missouri.
Available services for seniors on MO HealthNet include:
Those interested can read the complete list of services on the Department of Social Services website.
To qualify for MO HealthNet coverage in the category based on age, individuals must be at least 65 years of age, a resident of Missouri who doesn’t intend to leave and a legal US citizen or otherwise qualified noncitizen.
Applicants must also be at or below the income limit, which is $885 per month for an individual or $1,198 for two people applying as a married couple as of 2019. The limit for countable assets is $3,000 for an individual or $6,000 for a married couple when both are applying.
Diversion of Assets and Allotment of Income are special provisions that allow the spouse of a person in nursing care to retain a higher value in assets and income. More information about this program is in the Prevention of Spousal Impoverishment guide.
MO HealthNet doesn’t cover assisted living facilities directly, but it does help pay for a small portion of the cost if the individual is eligible for the SNC payment, detailed below.
Seniors can submit applications online at MO HealthNet or by mail with the instructions given. In-person applications are also accepted; the closest office for Ballwin residents is the Page Service Center in St. Louis, which can be reached at (314) 264-7700.
Supplemental Nursing Care
The SNC program is an additional monthly payment that MO HealthNet offers to eligible residents. This is a cash payment to the individual, not the service provider, so it can be used to pay for some of the cost of care in assisted living regardless of the facility’s Medicaid status.
To qualify for the Supplemental Nursing Care payment, individuals must be at least 21 years of age, within the financial limits set for MO HealthNet and currently residing in a licensed facility.
The monthly SNC payment for 2019 provides $50 for personal needs as well as $156 for people living in residential care facilities or $292 for people in assisted living.
Seniors or their family members should contact staff at their facility or their case manager if they’ve been assigned one to make an application for the Supplemental Nursing Care payment.
Elderlife Bridge Loan
As there are fewer options for financial assistance in Ballwin and Missouri in general compared to other states, seniors may find that a bridge loan from Elderlife is a good solution.
This type of loan is short-term, usually around 12 months, to cover the costs associated with transferring to senior care. It gives seniors and their families the money they need now while they wait for benefit payments to begin or to sell some of their assets.
There are no application fees, and the loan functions similarly to a credit card, with flexible borrowing amounts that allow seniors to fill short-term financial gaps.
Veterans Affairs Aid and Attendance
Veterans and dependents who receive a pension from Veterans Affairs may also qualify for an extra monthly payment through the Aid and Attendance program. This payment can be used to help pay for care in assisted living and elsewhere.
Applicants must meet at least one of these requirements:
Applicants must also meet both of these requirements:
Help is available with the eligibility rules and application process, and it’s highly recommended to take advantage of it due to the complex nature of this program. Veterans and family members in Ballwin can contact or visit the St. Louis Regional Office to apply or seek more information.
Aging Ahead is the local Area Agency on Aging that provides services and operates senior centers around St. Louis and neighboring counties. Seniors can meet new people and take part in regular activities and events, and staff are available to help residents find the right benefit programs and community assistance. The West County location is nearby in Manchester.
Aging Ahead – West County
14535 Manchester Road, Manchester, MO 63011
Help is available for veterans or their family members who are trying to find out whether they’re eligible for additional VA benefits or those seeking assistance with the application process. Staff at the St. Louis benefits office can also provide details about VA health care and other services that may be available.
St. Louis Regional VA Benefits Office
9700 Page Ave., St. Louis, MO 63132
Local housing authorities in Missouri manage public housing for low-income residents; this includes apartments and single-family homes. They are also responsible for managing the federal Housing Choice Voucher (Section 8) program at the local level, which helps low-income people pay their rent in the private housing market. There is often a long waiting list to receive services.
St. Louis County Housing Authority
8865 Natural Bridge Road, St. Louis, MO 63121
St. Charles Housing Authority
1041 Olive St., St. Charles, MO 63301
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