9 Assisted Living Communities in Mentor, Ohio

The average cost of assisted living in the city is $3,400 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 facilities in Mentor and 30 in surrounding areas.

The Cost of Senior Care in Mentor, OH

• Assisted Living: $3,400
• Nursing Home Care: $7,483
• In-home Care: $4,195
• Adult Day Health Services: $1,257

Genworth’s 2018 Cost of Care Survey reported that America’s seniors pay an average of $4,000 per month for assisted living care. Prices vary widely across the country, and in Ohio, assisted living typically costs $4,278 per month. This is nearly $300 more expensive than the national average.

At just $3,400 per month, seniors in Mentor pay some of the lowest prices in the Buckeye State. Only Springfield, at $3,093 per month, offers more affordable assisted living. Many of Ohio’s cities, such as Akron ($4,560) and Cincinnati ($4,998), are significantly more expensive. The priciest care in the state, found in Dayton, costs an average of $5,300 per month, which is $1,900 more than Mentor.

Note: Senior care cost data wasn’t available for Mentor, so data for the closest city, Cleveland, was used.

 

Medicaid is a nationwide public health insurance program that provides coverage to over 65 million Americans, including low-income families, pregnant women and seniors. In Ohio, nearly 2.5 million people are enrolled in Medicaid. Ohio Medicaid provides coverage for a long list of medical services, including emergency room visits, hospital services, medical equipment, preventive services and vision care. It may also pay for assisted living services through a waiver. Some services are limited to a certain number of visits or dollar amounts, and in some cases, a small copay may be required. Seniors who live in Mentor may be eligible for Medicaid coverage if they earn less than $771 per month and have less than $2,000 in assets. Married couples may qualify if they earn less than $1,157 monthly and own less than $3,000 in assets. Many types of assets, such as a senior’s primary home, personal belongings, household furnishings and one car, don’t count towards this asset cap. There are many ways to apply for Ohio Medicaid. Seniors may choose to:

• Complete an online application

• Apply in person at the Lake County Department of Jobs and Family Services

• Mail a paper application to the Lake County Department of Jobs and Family Services

• Call the Consumer Hotline at (800) 324-8680

To learn more, call the Ohio Department of Medicaid’s Consumer Hotline at (800) 324-8680. Assisted Living Waiver Ohio’s Assisted Living Waiver may help seniors pay for assisted living care. The waiver pays for the services seniors receive in assisted living facilities, including personal care, nursing, transportation and social programming. Seniors are responsible for their own room and board. The waiver also provides community transition services to seniors who want to move to assisted living from a nursing home. Seniors who need hands-on assistance with activities of daily living, such as eating, bathing or grooming, may be eligible for this waiver if they meet the program’s financial requirements. Single seniors may qualify if they earn less than $2,313 per month and have less than $2,000 in assets. Married couples who both need waiver services may qualify if their income is less than $4,626 per month and they own less than $3,000 in assets. When only one spouse is applying, the other is allowed to have up to $126,420 in assets. To apply for this program, call the Lake County Area Agency on Aging at (440) 205-8111. The AAA conducts a telephone screening and an in-person assessment. Financial eligibility is then determined by the county Department of Job and Family Services. For more information about the waiver, call (440) 205-8111 to speak with a Lake County Area Agency on Aging representative.

Residential State Supplement Program Ohio’s Residential State Supplement program may provide financial assistance to seniors in assisted living facilities. Funds are used to pay for the full cost of room and board as well as services provided in these facilities. Seniors receive a personal needs allowance of at least $200 per month. Seniors may qualify for this program if they:

• Earn less than $1,300 per month

• Own less than $2,000 in assets

• Are eligible for regular Medicaid

• Receive SSI, SSDI or Social Security

• Need at least a protective level of care

• Plan to live in an eligible living arrangement

Eligible living arrangements are generally adult care facilities. These facilities house up to 16 residents. In some cases, seniors may get approval to live in assisted living facilities with 17 or more residents. Not all facilities accept residents who receive RSS. Applications can be faxed to the Ohio Department of Mental Health and Addiction Services at (614) 485-9747 or emailed to [email protected]. If you have any questions about the Residential State Supplement program, call OhioMHAS at (614) 752-9316. Elderlife Bridge Loan Elderlife Financial offers a bridge loan that may help seniors pay for assisted living immediately. This bridge loan is an unsecured line of credit, and seniors may be able to borrow as much as $100,000. The money is sent directly to the assisted living community, but seniors can choose the amount sent each month.  While the company allows up to six cosigners, seniors should still be prepared to explain their expected plan to repay the loan. Long-term care insurance, life insurance, VA benefits or the proceeds from a home sale are some possibilities to explore. To apply, call Elderlife Financial at (888) 228-4500 or complete an online application.

The AAA is a nonprofit agency that provides many services to seniors in Mentor. Seniors can talk to an information and assistance specialist at the AAA to learn more about their long-term care options. The agency’s benefits specialists help seniors find and enroll in Medicaid, Medicare and other eligibility-based benefit programs. Lake County Council on Aging of Ohio
8520 E. Ave., Mentor, OH 44060
(440) 205-8111

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