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The average cost of assisted living in the city is $3,240 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 8 assisted living facilities in Norfolk and 1 in surrounding areas.
The Cost of Senior Care in Norfolk, NE
Seniors in Norfolk, Nebraska now have an option of assisted living at the Madison House, a community that offers the security of assisted living with independence and choice.
Life is full at The Meadows, where friends share ice cream parlor treats, stroll the beautiful enclosed courtyard, enjoy our beautiful sunroom, play games or cozy into their own peaceful apartment homes. We offer independent and assisted living apartments in…
Madison House was a very nice place that passed any expectations I had. The staff was very courteous and easy to get along with. Everybody was friendly. The rooms and apartments were all very nice, nicely furnished, and a good size. It was laid out nicely, and the grounds were well taken care of. The dining area was ve...Read more Madison House reviews
The 2018 Genworth Cost of Care study offers a reliable metric for comparing senior care costs across the state and nation. It shows that at $3,240, assisted living rates in Norfolk are significantly lower than both the state ($3,844) and national ($4,000) averages. They’re also about $1,000 less than monthly rates in Omaha ($4,285) and $2,200 less than prices in Lincoln ($5,429). Rates in neighboring Des Moines, IA, and Kansas City, MO, are somewhat closer to those in Norfolk at $3,950 and $4,050, respectively.
Note: Senior care cost data wasn’t available for Norfolk, so data for the closest city, Grand Island, was used.
The Cost of Assisted Living in Surrounding Areas
The level of care required and where it’s received are two of the major influences on senior care costs in Norfolk. Nursing homes and assisted living facilities are both residential environments that typically provide room and board, but care in a nursing home costs roughly $2,500 more per month due to the availability of round-the-clock skilled services.
In-home services, such as homemakers and home health aides, cost over $1,300 more per month than assisted living. The convenience and enjoyment of remaining at home may justify the extra expense, but seniors considering these options also need to take regular household operating costs, such as utilities, upkeep and food, into account.
Senior Care Cost Comparison Chart
Each state administers its own Medicaid program to ensure basic health care services to the most vulnerable among the population: low-income families with children, pregnant women, disabled and blind adults and the elderly. These programs are made possible through regulation and joint funding from the federal government.
The Nebraska state program is administered through the Division of Medicaid and Long-Term Care of the Department of Health and Human Services. It provides a wide range of essential services including inpatient and outpatient hospital care, doctor and specialist visits, diagnostic services, mental health care, prescription drugs and nursing home care.
To qualify for Medicaid coverage that includes long-term care, Norfolk residents must be U.S. citizens or legal permanent residents and:
Income from all sources counts, but some assets are excluded, such as a primary residence, household furnishings, personal belongings, one vehicle and a burial trust.
Married couples are given some leeway with the above limits if only one spouse applies:
Those who need assistance with long-term care expenses but have income above the limit may also qualify through a share of cost. This requires an applicant to pay for their care down to the allowed income limit, which is currently $392 per month.
Seniors can apply for Medicaid coverage online, by visiting the local DHHS office at 209 N. 5th St. or by calling (402) 370-3120.
Nebraska Medicaid offers the Aged and Disabled waiver program to limit nursing home admissions and help seniors stay in their homes or the community. To qualify, Norfolk residents must meet the eligibility requirements for Medicaid long-term care but be assessed as able to safely live in a community setting. The program can cover:
While the waiver covers services received in an assisted living facility, it doesn’t cover the room-and-board portion of facility fees. Additionally, the ADW isn’t a Medicaid entitlement program, so there may be a waiting list to receive services.
To learn more about the ADW program or apply, Norfolk seniors should contact the Northeast Nebraska Area Agency on Aging at (402) 270-3454.
Aged, blind and disabled Norfolk residents eligible for the federal Supplemental Security Income benefit program may qualify for an additional state-funded monthly payment. Nebraska’s Optional State Supplementation can provide an extra $438 for individuals and $1,213 for married couples living in assisted living facilities. To qualify for both programs, applicants must:
Seniors can apply for the OSS program by calling DHHS at (402) 370-3120 or visiting the local office at 209 N. 5th St. To apply for SSI benefits, seniors can contact the Social Security Administration at (800) 772-1213 or visit the Norfolk SSA office located at 605 Iron Horse Dr.
VA Aid and Attendance and Housebound Benefits
Elderly Norfolk veterans and surviving spouses currently receiving a regular VA pension may qualify for an additional monthly payment through either the Aid and Attendance or Housebound top-up program.
To qualify for the housebound benefit, an applicant must be largely confined to their home due to a permanent disability.
To receive A&A benefits, applicants must have one of these qualifying conditions:
Applicants must have served a minimum of 90 days active duty, with at least one during wartime, and received an honorable discharge. Applicants must have an annual income below $22,577 and can’t be currently receiving a VA disability pension.
Due to the complexity of the application process, those who’d like to apply should contact the Madison County Veterans Service office at (402) 370-3578 for assistance. Completed applications can be filed in person at the VA Regional Benefit office located at 3800 Village Dr. in Lincoln.
The Norfolk Senior Center provides a welcoming atmosphere where area residents aged 60 and over can foster friendships and explore common interests. Here, seniors can enjoy delicious, healthy lunches, stay fit with sit down exercises, aerobics or tai chi, join a quilting or crocheting class, take part in board and card games or play billiards and weekly bingo. The center also offers educational and health programs, transportation services and special social events such as dances and concerts.
Norfolk Senior Citizens Center
307 W. Prospect Ave., Norfolk, NE 68701
The Northeast Nebraska AAA exists to help area residents aged 60 and older retain their independence and enjoy a higher quality of life. The agency provides a wide array of services specifically aimed at the older population, such as care management, educational programs, wellness clinics, legal assistance, qualifying assessments and counseling regarding health and long-term care benefits and available resources.
Northeast Nebraska Area Agency on Aging
119 W. Norfolk Ave., Norfolk, NE 68701
Norfolk senior veterans and their survivors can receive knowledgeable help applying for pensions and benefits at the Madison County Veterans Service office. Those in need of health care services can access primary care, laboratory services, prescriptions and referrals to specialty care in Omaha at the Norfolk VA Clinic.
Madison County Veterans Service Office
130 S. 4th St., Norfolk, NE 68748
Norfolk VA Clinic
710 S. 13th St., Norfolk, NE 68701
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