15 Assisted Living Communities in Ogden, Utah

The average cost of assisted living in the city is $3,893 a month. This guide is a starting point covering the cost of assisted living care in the county, as well as financing options to pay for it. You’ll find in-depth information on 15 Assisted Living Communities in Ogden and several in surrounding areas.

• Assisted living: $3,893
• Nursing home semiprivate room: $6,296
• In-home care: $3,766
• Adult day health services: $1,289

According to the Genworth 2018 Cost of Care study, the average monthly cost of assisted living in Ogden is $3,893, which is just below the national average ($4,000) and about $500 higher than the state average $3,350. In fact, the cost of assisted living in Ogden is among the highest in the state, and in other major cities throughout Utah such as Salt Lake City and St. George, the average cost of assisted living is a few hundred dollars less. In smaller cities such as Logan and Provo, the average cost of assisted living is nearly $1,000 less.  

The average cost of care depends on the type of care required, and in Ogden and many other cities like it, the difference in costs between different types of care is substantial. In Ogden, the average monthly cost of nursing home care is nearly $3,000 greater than that of assisted living. While the cost of home care is similar to assisted living costs, seniors who choose to continue living at home need to consider the additional expenses that are incurred as a homeowner or renter, such as rent/mortgage payments, utilities and groceries. These costs are typically included in the price of assisted living.  Cost of Homemaker/Home Health Aide Comparison Chart

• Assisted living: $3,893

• Homemaker services: $3, 766

• Home health aide: $4,004

• Adult day health: $1,289

• Nursing home care (semiprivate room): $6,296

 

Medicaid in Utah is available to the state’s most vulnerable residents with low incomes including seniors, disabled individuals, children and pregnant woman. Medicaid provides a variety of programs and services to these individuals, including financial assistance and access to medical and supportive care, prescription medications and equipment.

Seniors residing in an assisted living facility can access financial assistance from Medicaid under one of two waiver programs: the Aging Waiver and the New Choices Waiver. To be eligible for these waivers in Utah, seniors must be 65 years of age or older and complete a comprehensive assessment to determine the level of care they need. Financial requirements stipulate that individual applicants may not have an income that exceeds $12,490 annually and assets valued at more than $2,000, while couples may not have a combined annual income that exceeds $16,910 and assets valued at more than $3,000. 

Aging Waiver

Utah’s Aging Waiver operates under the state’s Medicaid Managed Care Program. It’s designed to help seniors retain some of their independence when they are at risk of moving into a nursing care facility. Seniors participating in this waiver program may be residing at home or in an assisted living facility. The program covers the cost of long-term care as well as daily nurse visits, senior companions, respite care, nonemergency transportation and other necessary health care expenses. 

Seniors can apply for this waiver by calling the Division of Aging and Adult Services at (801) 538-3910.

New Choices Waiver Program

The New Choices Waiver is a separate part of the state’s Medicaid Managed Care Program. It helps seniors who are residing in nursing care homes to transition back into an assisted living facility when their need for care has lessened. The program provides seniors with financial help with the cost of care as well as transitional counseling services. It came into existence to help reduce the level of stress on the Medicaid system, which is largely the result of the high cost of nursing care. 

In addition to the Medicaid state plan requirements mentioned previously, seniors must reside in an approved nursing home to participate in the New Choices Waiver, and they must be able to safely move back into their community or an assisted living facility. 

To apply for this program or to learn more about the application process, seniors can contact (800) 662-9651.

Optional State Supplement

As in many states, Utah offers an optional state supplement (OSS). The OSS is a cash benefit that’s provided to Supplemental Security Income recipients with exceptionally low incomes. The benefit is exclusive to those who reside in long-term care facilities. Payments are determined by the senior’s income. Individual OSS applicants must not own assets valued at more than $2,000, and couples may not own assets valued at more than $3,000. 

To apply for the OSS benefit, seniors can call their local Social Security Administration office at (800) 772-1213.

Long-Term Care Insurance

Seniors who have purchased long-term care insurance may be eligible to have their insurance provider pay for the cost of assisted living. In most cases, policyholders will need to pay a deductible annually before their insurance company will pay for their care. Generally, long-term care insurance policies must be purchased before an individual’s health begins declining and before the need for long-term care exists. 

Premiums, deductibles and policy terms vary depending on the insurance provider and the plan. Insurance companies usually consider an individual’s age and health history when determining rates and eligibility. 

Elderlife Bridge Loan

Elderlife Financial Services offers seniors an alternative way to pay for long-term care when they’re unable to obtain financial assistance from Medicaid or other government assistance programs. Elder bridge loans are issued to long-term care facilities, and the senior is responsible for repaying the loan in full. Payments are typically made monthly, and the loans have flexible terms and low interest rates. 

While applicants must meet credit and income requirements, those who are unable to obtain approval on their own can include up to six cosigners on their application, which can increase the likelihood of approval and reduce monthly payments. 

Area Agencies on Aging help seniors to access community, state and federal services and benefits and act as senior advocates, offering services such as long-term care ombudsmen, nutritional support and low-cost or no-cost transportation services. Area Agency on Aging
237 26th St, #320, Ogden, UT 84401
(801) 625-3770

Seniors who have served in the military may be eligible for benefits including financial assistance and health care through Veterans Affairs (VA). Health care services can be obtained by eligible seniors at VA clinics, while other benefits can be applied for at any VA office.

Ogden VA Outpatient Clinic
982 Chambers St, Ogden, UT 84403
(801) 479-4105

Weber State Veterans Affairs
1338-1378 East 4100 South, Ogden, UT 84403
(801) 626-6039

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