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independent-living

An explanation of retirement living costs. Visit to learn more about finding the right retirement community or to find a retirement community near you.

Discover the typical cost of living in a retirement community, what&#39;s included in the cost of a retirement communities and what to expect in various types of retirement communities.

The Cost of Living in a Retirement Community

An article defining Activities of Daily Living. Learn more about Senior Care by browsing our library of insightful articles or find senior care using our comprehensive directory.

Learn about activities of daily living, how ADLs are assessed and what the results can mean if you&#39;re considering long-term care for yourself or a loved one.

A Primer on the Activities of Daily Living (ADLs)

A brief overview of veterans benefits, what they offer, and how to learn more about them.

Some veteran benefits can help with assisted living costs. Discover which ones can, how to apply and how to find the ideal assisted living community for your loved one.

Veterans Benefits: A Brief Overview

Veterans Benefits

Learn more about the pros and cons of buying long-term insurance and how to use it to pay for senior care.

Learn about long-term care insurance for seniors, what services are covered, who is eligible, its benefits, how to sign up, and viable alternatives to this policy.

Long-Term Insurance: Planning for Your Future

Life insurance can be a powerful financial retirement tool if used properly. Learn how.

A life settlement from life insurance provides financial freedom for retirees. Discover how life settlements work, how much you&rsquo;ll get, eligibility requirements, and more.

Financing Your Retirement with Life Insurance

An article explaining what PACE Programs are. Learn more about PACE Programs or search our nationwide directory to find home care near you.

The Program of All-Inclusive Care for the Elderly (PACE) combines all the services offered by Medicare and Medicaid. Learn more about the program, eligibility, and how to apply for PACE.

PACE Programs: Programs of All-Inclusive Care for the Elderly

As the population ages and Baby Boomers face the realities of paying for care for their parents and for themselves, it becomes clear that the biggest hurdle to senior care is paying for it.

Learn about the cost of long-term care and ways you can pay for care, including Medicaid, VA benefits and the PACE program, in this guide for older adults.

Paying for Long-Term Care: How to Overcome this Costly Hurdle to Safeguard Your Future

Paying for Long-Term Care: An Overview

Learn about tips for senior downsizing, how to make the downsizing process as easy as possible, and senior downsizing options.

From saving money to avoiding household chores, there are dozens of great reasons to downsize. Read our free guide for tips on navigating the process.

Senior Downsizing Guide

Senior Downsizing Tips

memory-care

For seniors coping with dementia, one of the greatest frustrations is the inability to do those things they once loved. Activities and hobbies that used to be second nature might start to feel fuzzy or distant. This harsh reality can be discouraging for the person suffering from dementia, as well as the friend or loved one who is trying to engage them.

Learn about the benefits of activities for people with dementia and find a list of dementia-friendly things to do in this comprehensive guide.

Activities To Do With Seniors Who Have Dementia

12 Activities for People With Dementia

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Costs at Cape Albeon Lakeside Assisted Living

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<a href="https://www.genworth.com/aging-and-you/finances/cost-of-care.html" target="_blank" data-mce-href="https://www.genworth.com/aging-and-you/finances/cost-of-care.html" rel="noopener noreferrer">Genworth’s 2018 Cost of Care</a> study reveals monthly assisted living costs for Saint Louis are $500 less than the national average but&nbsp;approximately $700 more than the Missouri average. Monthly expenses for Saint Louis assisted living are comparable to other large cities in the state, such as Kansas City ($4,050) and Columbia ($3,975). Smaller cities, such as Joplin ($2,650) and St. Joseph ($2,550), have prices that reflect the state average.&nbsp;

Assisted Living Costs in Saint Louis

Cost of Assisted Living Comparison Chart

The wide range of costs for senior care reflects the types of services. Expenses for assisted&nbsp;living in Saint Louis range from $1,863 to $5,658 per month, with adult day care averaging thousands of dollars less than around-the-clock care in a facility. Home health care costs approximately $4,300 a month, whether seniors choose homemaker services or use a home health aide, which initially appears more affordable than care in a nursing home. However, these seniors likely still have regular living&nbsp;expenses such as rent or mortgage,&nbsp;food and upkeep. In these situations, home health&nbsp;services may be less cost-effective than nursing home care. Cost of Homemaker/Home Health Aide Comparison Chart 
<li>Assisted living: $3,500</li>
<li>Homemaker services: $4,290</li>
<li>Home health aide: $4,315</li>
<li>Adult day health: $1,863</li>
<li>Nursing home care (semiprivate room): $5,293</li>

Care Cost Comparison

Cost of Homemaker/Home Health Aide Comparison Chart

Financial Assistance for Assisted Living in Saint Louis

Supplemental Nursing Care Seniors who do not wish to age at home can&nbsp;apply for the&nbsp;<a href="https://mydss.mo.gov/ncare" target="_blank" data-mce-href="https://mydss.mo.gov/ncare" rel="noopener noreferrer">Supplemental Nursing Care</a>&nbsp;program. The program helps reduce the cost of assisted care&nbsp;in a licensed state facility, such as nursing home or mental health hospital. It also gives recipients a monthly&nbsp;allowance of up to $50 for their personal needs.&nbsp; Recipients may also qualify for monthly cash benefits equalling $156 for seniors in residential care facilities&nbsp;and $292 per month for seniors in assisted living facilities. The state covers costs left unpaid by Medicaid or Medicare after a&nbsp;program recipient covers their share of expenses. Seniors who apply for this waiver must be at least 65 years old. Exceptions apply for disabled applicants&nbsp;who need nursing care; they must be 21 or older.&nbsp;Asset protection is available for spouses who choose to age at home. Senior Bridge Loans Senior bridge loans offer short-term financial assistance for qualifying seniors. These loans are meant to fill the gap&nbsp;during the wait for assisted living coverage rather than replace other financing options. Financial benefits usually last one year at most, though some seniors may qualify for extended benefits. <a href="https://elderlifefinancial.com" target="_blank" data-mce-href="https://elderlifefinancial.com" rel="noopener noreferrer">Elderlife Financial Services</a>&nbsp;offers bridge loans for assisted living expenses. Up to six family members can cosign&nbsp;for a loan, and funds are disbursed directly to approved senior living facilities. Some assisted living facilities&nbsp;cover&nbsp;loan interest for qualified seniors, so family members only have to focus on repaying the loan itself. Medicaid requires members to meet specific income and asset programs, so some seniors are hesitant to take out loans for assisted living care. However,&nbsp;Elderlife&nbsp;bridge loans typically do not affect&nbsp;Medicaid eligibility, so Medicaid recipients can continue to receive medical coverage. SSI&nbsp;State Supplementary Payments Seniors who receive federal Social Security Income payments may also qualify for state-funded benefits known as SSI&nbsp;state supplemental payments.&nbsp;These state-funded payments are available in <a href="https://www.ssa.gov/ssi/text-benefits-ussi.htm" target="_blank" data-mce-href="https://www.ssa.gov/ssi/text-benefits-ussi.htm" rel="noopener noreferrer">46 states</a>, including Missouri. Seniors interested in receiving SSI&nbsp;state supplemental payments must meet income and asset requirements that vary by state. In Missouri, the supplement amount varies based on the type of facility&nbsp;a senior chooses. Marital status also affects benefit amounts. An unmarried senior at a Level 1 residential care facility may receive up to $156 per month, while a married couple may receive up to $312.&nbsp;These figures increase for seniors who choose Level 2 residential care facilities, intermediate care facilities or&nbsp;skilled nursing homes. The Missouri Department of Social Services, Family Support Division&nbsp;manages SSI&nbsp;state supplementary payments. Seniors with questions about program eligibility&nbsp;or current benefits can contact the Support Division at (573) 751-3221.

Other Financial Assistance Programs for Assisted Living

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 436 Assisted Living Communities in Saint Louis and several in surrounding areas. <ul><li>Assisted living: $3,500</li><li>Nursing home semiprivate room: $5,293</li><li>In-home care: $4,290</li><li>Adult day health services: $1,863</li></ul>

Assisted Living in Saint Louis, MO

Assisted Living Articles and Resources

Medicaid and Medicare help Saint Louis seniors cover medical expenses, including expenses incurred for home health care or at assisted living facilities. Seniors can apply for one program or receive services from both. When seniors receive coverage from both programs, medical providers bill Medicare as the primary provider. Medicaid is the secondary insurer, which means it helps cover health expenses Medicare&nbsp;leaves unpaid. Missouri Medicaid, also called&nbsp;<a href="https://mydss.mo.gov/healthcare/mo-healthnet-for-seniors" target="_blank" data-mce-href="https://mydss.mo.gov/healthcare/mo-healthnet-for-seniors" rel="noopener noreferrer">MO HealthNet</a>, is for low-income seniors at least 65 years old. To qualify, seniors must not exceed state or federal&nbsp;income and asset requirements for medical coverage. Household size affects the guidelines, so a senior who lives alone cannot make as much as a senior who is married. A senior who lives with friends or family members cannot&nbsp;have as much income as a senior who lives with a spouse. Seniors on Social Security income have a&nbsp;<a href="https://dss.mo.gov/fsd/iman/medasst/appendix_j.pdf" target="_blank" data-mce-href="https://dss.mo.gov/fsd/iman/medasst/appendix_j.pdf" rel="noopener noreferrer">monthly income</a>&nbsp;maximum of $771,&nbsp;while seniors who live with loved ones can only make $514 per month. Disabled seniors automatically qualify for MO HealthNet&nbsp;regardless of income or assets if&nbsp;the disability determination comes from the Social Security Administration or the state of Missouri. However, coverage for seniors is not automatic, so they must apply in person, online, over the phone or via postal mail. Online Medicaid applications for seniors are available at&nbsp;<a href="https://mydss.mo.gov/healthcare" target="_blank" data-mce-href="https://mydss.mo.gov/healthcare" rel="noopener noreferrer">MyDSS.MO.gov/healthcare</a>. Seniors can also call (800) 735-2966 or visit a local Social Services Department such&nbsp;as the one located at 111 N 7th St, St. Louis.&nbsp;Applications are also accepted via mail. Missouri Independent Living Waiver Saint Louis seniors who receive&nbsp;MO HealthNet&nbsp;can apply for the&nbsp;<a href="https://dss.mo.gov/mhd/waivers/1915c-home-and-community-waivers/independent-living.htm" target="_blank" data-mce-href="https://dss.mo.gov/mhd/waivers/1915c-home-and-community-waivers/independent-living.htm" rel="noopener noreferrer">Missouri Independent Living waiver</a>. This waiver is for individuals who are at least 21 years of age rather than just seniors, but seniors are also eligible. Seniors who apply prior to age 65 can remain in the program as long as they still meet the criteria. The Independent Living waiver provides financial help&nbsp;for seniors who need facility services or in-home care. It covers personal care&nbsp;needs, including specialized medical equipment.&nbsp; Seniors can learn more about this program by contacting the Department of Health and Senior Services, Division of Senior and Disability Service or speaking with an MO&nbsp;HealthNet&nbsp;representative at (573) 751-3425.

Medicaid in Missouri

 Detailed profiles of 436 Assisted Living Facilities in Saint Louis, MO. Average cost is 2913 per month.  Reviews, ratings, costs, pictures, amenities, and more.

 436 Assisted Living Facilities in Saint Louis, MO

Nearby Assisted Living Facilities

Other Senior Living in Saint Louis, MO

Assisted Living Resources in Saint Louis

St. Louis senior centers provide amenities and benefits for&nbsp;seniors who want to socialize, exercise, explore the city as a group or enjoy free or reduced-price meals. Services are primarily available on weekday mornings and afternoons, but there are some evening and weekend programs.

Senior Centers in Saint Louis

Seniors who&nbsp;have questions about Social Security benefits or the application process can seek help at Social Security offices throughout the Saint Louis area. Walk-in appointments are available on weekdays between 9 a.m. and 4 p.m. with the exception of Wednesdays, when the offices close at 12 p.m.

Social Security Offices

The Department of Veterans Affairs offers financial assistance and medical care for qualifying veterans. Veterans can apply for new benefits, review current benefits or request medical care.

Veterans Affairs

Reviews of Saint Louis Assisted Living Facilities

Solstice Senior Living at Fenton, located at 1393 Bowles Ave in Fenton, Missouri, is a cozy and well-appointed independent living community managed by Solstice Senior Living. Nestled close to SSM St. Clare Hospital, it offers residents a secure environment with easy access to local attractions like the St. Louis Zoo and Grant's Farm. Units include kitchenettes, private baths, climate control, cable, Wi‑Fi, full utilities, and 24/7 emergency pendant systems to promote safety and convenience.

Life at Solstice Fenton is centered on comfort and engagement. The community offers restaurant-style dining with chef-prepared, dietitian-approved meals served three times a day, complemented by weekly housekeeping, laundry, scheduled transportation, and an on-site salon and barber shop. Residents enjoy a full slate of amenities including a fitness center, media and game rooms, library, parlors, private dining rooms, landscaped walking paths, and a worship center. For wellness support, home-care partners provide ADL assistance and medication reminders, while 24/7 urgent-care telehealth via MeMD is available.

The vibrant social scene is powered by Solstice's signature programming—Vibrant Life and Path to Wellness—featuring fitness and yoga classes, arts &amp; crafts, gardening, book clubs, movie nights, off-site outings, spiritual services, and special events. Set in a walkable, peaceful neighborhood close to medical care, shopping, cafes, and parks, Solstice Senior Living at Fenton offers a well-rounded, all-inclusive lifestyle for active adults. With its blend of robust programming, attentive care, quality amenities, and reassuring safety measures, it provides seniors with a warm, maintenance-free home and peace of mind.

Solstice Senior Living at Fenton

Sunrise of Des Peres offers more care for your loved ones with their ICF license. The Intermediate Care license lets us to proved skilled care so they never need to move to a Skilled Facility.

 To learn more about this provider's license and review other available state reports, please visit: <a href="https://health.mo.gov/seniors/nursinghomes/pdf/DIRECTORY.pdf">Missouri Department of Health and Senior Services Licensing and Certification</a>

Sunrise of Des Peres

Located just minutes from St. Louis, Briarcrest Estates offers an amazing selection of dining and shopping destinations. We are also convenient to several excellent healthcare facilities as well as top local attractions such as the St. Louis Arch, Gateway International Raceway and the Cohokia Mounds Indian Burial Grounds.

Briarcrest Estates is proud to be a Holiday Retirement community. Since 1971, Holiday Retirement has been creating superb residential communities where seniors feel a sense of home and belonging. This is what we like to call “The Holiday Touch.”

<h2>Featured Amenities</h2>

To ensure that our residents have the perfect apartment, we offer them a wide variety of floor plans from which to choose. They are also able to decorate them as they wish and can even keep a cat or dog to make their apartment feel even more like a second home.

As part of our all-inclusive retirement experience, Briarcrest Estates offers three nutritious meals prepared fresh every day by our private chefs, a restaurant-style dining room, a well-stocked fitness center, a game room and a television room. Residents also enjoy cable TV and access to our community laundry facilities.

<h2>Available Services</h2>

We pride ourselves on offering our residents excellent service 24 hours a day. Our managers live on the premises, and our professional staff is always happy to help with chores such as vacuuming, dusting and the regular laundering of bed linens and towels.

We understand that each individual is unique and that needs may change over time. Holiday does not provide any health care services. However, residents are welcome to receive services from any outside home health care provider of their choice to help them continue enjoying life at our community.

Enjoy independent retirement living at its best at Briarcrest Estates.

Holiday Briarcrest Estates

Friendship Village Assisted Living and Memory Care offers a wide variety of services included: licensed nursing on-site 24/7, restaurant-style dining, medication management including diabetes management, weekly housekeeping, all utilities including phone service, basic cable, wireless access, 24-hour emergency pull-cord service, weekly laundry services, daily bed-making and trash removal, chaplain and regular worship services, library and beauty salon.

Friendship Village Assisted Living & Memory Care

Learn more about Cape Albeon Lakeside Assisted Living and other Senior Living communities providing Cape Albeon Lakeside Assisted Living services around Saint Louis, Missouri.&nbsp;See reviews, prices, photos, services, amenities and more...

Cape Albeon Lakeside Assisted Living - Saint Louis, Missouri

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