10 Assisted Living Communities in Chesterfield, Missouri

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 10 Assisted Living Communities in Chesterfield and several in surrounding areas. The Cost of Senior Care in Chesterfield, MO

• Assisted Living: $3,500
• Nursing Home Care: $5,293
• In-home Care: $4,290
• Adult Day Health Services: $1,863

According to Genworth’s 2018 Cost of Care study, the average cost of assisted living in Chesterfield is moderately less expensive than the national average of $4,000 but significantly more than the state average of $2,844. It’s also more costly than the higher populated city of Springfield ($2,215) while being less expensive than Kansas City ($4,050), which is 10 times larger in size.

Note: Senior care cost data wasn’t available for Chesterfield, so data for the closest city, St. Louis, was used.

Senior care services can vary depending on the location and type of care required. In Chesterfield, the cost of nursing care in a semiprivate room is almost $1,800 more than a room in an assisted living facility. In-home services, such as a homemaker and home health aide, are about $700-$800 less than assisted living care and don’t include living expenses, such as rent, food or utilities, which residential facilities typically do. These types of cost comparisons should be taken into account when deciding what kind of care is best for a senior’s situation.

 

Medicaid in Missouri is named MO HealthNet and is available to residents who meet low-income requirements. It helps pay for qualified medical services, including inpatient, outpatient and emergency care, prescriptions, laboratory work, ambulance transport and residential care.

Seniors in Missouri automatically qualify for Medicaid if they’re considered disabled by the Social Security Administration or the state of Missouri. They can receive Medicare and Medicaid benefits simultaneously; in this situation, medical providers consider Medicare the primary insurer and Medicaid as a secondary insurer. This is helpful for covering gaps in insurance coverage when a senior is waiting for approval of Medicare benefits.

To be eligible for MO Healthnet, seniors must:
 

• Be a resident of Missouri
• Be disabled, blind or at least 65 years of age
• Be a United States citizen or an eligible qualified noncitizen
• Have a net income less than $834 per month for an individual or $1,129 for a couple
• Own nonexempt resources with a value of less than $2,000 if single or $4,000 if married and living with their spouse

 

More information on this program is available by calling the Family Support Division Information Center at (855) 373-4636. Seniors can apply for MO HealthNet by visiting the MyDSS website or visiting the Sts. Joachim and Ann Care Services Office at 4116 McClay Rd., St. Charles, MO, 63301.

 

The local Area Agency on Aging coordinates services, such as home-delivered meals, homemaker assistance, case management, community centers and transportation for area seniors. It operates eight senior centers in St. Louis County which offer exercise classes, social events, arts and crafts, health screenings, educational opportunities and recreational events at no charge. Aging Ahead
14535 Manchester Rd., Manchester, MO 63011
(800) 243-6060

Veterans and their survivors who are receiving a military pension may qualify for several supplements if they meet certain eligibility requirements. Applicants are required to submit documentation of at least 90 days of active service with one day during war and an honorable discharge.

The Aid & Attendance supplement is available to veterans and survivors who need daily assistance from another person to perform basic daily functions. To be eligible for the benefit, recipients must meet one of the following conditions:
 

• Live in a nursing facility due to a mental or physical incapacity
• Be bedridden
• Require assistance from another person to perform daily personal functions, such as bathing, dressing, eating, adjusting prosthetic devices or toileting
• Visual acuity is limited to a corrected 5/200 or less in both eyes or concentric contraction of the visual field is 5 degrees or less
• The housebound pension supplement is available to veterans who are substantially confined to their immediate premises because of a permanent disability.
  
  To apply for either of these supplements, contact the VA at (800) 827-1000 or visit the St. Louis Regional Benefit Office at 9700 Page Ave., St. Louis, MO 63132.
  
  The St. Louis VA Regional Office provides area veterans with a variety of services, including eligibility counseling for benefits and vocational rehabilitation. The St. Charles VA Clinic offers outpatient medical care, such as prescriptions and doctor’s appointments, to area veterans.
  
  St. Louis Regional Benefit Office
  Charles F. Prevedel Federal Bldg, 9700 Page Ave., St. Louis, MO 63132
  (800) 827-1000
  
  St. Charles County VA Clinic
  844 Waterbury Falls Dr., O’Fallon, MO 63368
  (314) 286-6988

Senior Homes has an extensive directory of senior living options, with care and living providers across the United States.