Assisted Living in Chesterfield, MO

Assisted Living Costs in Chesterfield

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.

The Cost of Assisted Living in Surrounding Areas

Care Cost Comparison

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.

Senior Care Cost Comparison Chart

Financial Assistance for Assisted Living in Chesterfield

Medicaid in Missouri

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.

Supplemental Nursing Care

MO HealthNet has an HCBS waiver called the Supplemental Nursing Care program that financially assists residents who live in residential care facilities, including nursing homes, assisted living centers and mental health hospitals. A participant in the waiver is expected to use all of their available income to pay the facility except for a monthly $50 personal needs allowance and any health insurance premiums the resident owes. Once the resident has paid their portion of the facility costs, the state pays for the remainder. To qualify for the SNC waiver applicants must:

• Live in a residential care home, such as a nursing home or assisted living facility
• Meet MO HealthNet eligibility requirements
• Be certified as needing nursing home or mental hospital care by the Department of Health and Senior Services

For more information or to apply for the Supplemental Nursing Care waiver, contact the DHSS Division of Senior and Disability Services at (573) 751-3425.

Other Financial Assistance Programs for Assisted Living

Optional State Supplementation

Missouri offers an increase to SSI benefits to residents who meet certain requirements. OSS recipients must:

• Live in a non-Medicaid licensed residential care facility or nursing home
• Have insufficient income to cover the cost of care in the facility
• Be blind, disabled or at least 65
• Have assets of less than $1,000 for an individual or $2,000 for a couple

Seniors who are interested in applying for OSS can call the DHSS Family Support Division helpline at (855) 373-4636 or apply in person at the Sts. Joachim & Ann Care Services office at 4116 McClay Rd., St. Charles, MO, 63301.

Veterans Aid & Attendance and Housebound Benefits

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.

Assisted Living Resources in Chesterfield

St. Louis County Older Resident Programs (CORP)

St. Louis County provides services to county residents aged 60 and over that help them remain active and engaged in their local communities. It offers services, including transportation, minor home repair, legal assistance, tax preparation, home visits, information and referrals and volunteer opportunities. The call center is open from Monday through Friday between the hours of 8 a.m. and 5 p.m.

St. Louis County Department of Human Services CORP
1520 Market, 4th Floor #4065, St. Louis, MO 63103
(314) 615-4516

Aging Ahead

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 Affairs

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