32 Assisted Living Communities in Bellevue, Washington

The average cost of assisted living in the city is $4,213 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 32 Assisted Living Communities in Bellevue and several in surrounding areas.

• Assisted living: $4,213
• Nursing home semiprivate room: $8,091
• In-home care: $5,339
• Adult day health services: $2,584

According to Genworth’s 2018 Cost of Care Study, monthly assisted living costs in Bellevue and the surrounding area are slightly higher than the national average of $4,000 and $900 less than the Washington average of $5,135. Monthly costs for assisted living are significantly higher in nearby Seattle ($5,750), while the cost of assisted living in Bellevue is similar to Bellingham ($4,250). 

The wide range of costs for senior care is based largely on the type of care provided, the location and what is included. In Bellevue, nursing home care is nearly double the cost of assisted living, while homemaker and home health aide services cost about $1,000 more a month than assisted living. It’s important to note that these figures for in-home services don’t include additional expenses associated with maintaining a home, such as utilities, taxes, insurance and upkeep. These costs are normally included with residential care for seniors.  Cost of Homemaker/Home Health Aide Comparison Chart

Assisted living: $4,213

Homemaker services: $5,339

Home health aide: $5,339

Adult day health: $2,584

Nursing home care (semiprivate room): $8,091

 

Bellevue seniors aged 65 and older may qualify for Classic Medicaid coverage under Washington Apple Health, the state Medicare program. There are a number of coverage options available for seniors who are Medicare-eligible, including the Apple Health Medicare Savings Program, which provides individuals with assistance to pay Medicare premiums, coinsurance charges, co-payments and deductibles. 

Seniors aged 65 and older who have a monthly income of $1,396 or less may qualify for up to $16,752 in coverage if they meet means testing. This includes a retroactive five-year audit of assets prior to the date of their Medicaid application to prevent fraudulent claims. 

Seniors may also qualify for Apple Health Long-Term Care, which includes coverage for a range of long-term care services including nursing home care for applicants who require placement in a nursing home. Apple Health Long-Term Care also includes coverage for home-based and assisted living services for applicants who need help with two or more activities of daily living, such as grooming, dressing and light meal preparation. 

Long-term care coverage through Medicaid in Washington falls under three programs. The income limit for both the Institutional/Nursing Home Medicaid program and the Medicaid Waivers/Home and Community-Based Services is $2,313 per month for a single applicant and $4,626 for a married couple when both spouses are applying. The third long-term care coverage program, for regular Medicaid applicants who are aged, blind or disabled, has income limits of $771 per month for singles and $1,157 for married couples. 

To speak with a navigator about the Apple Health enrollment process, call the Washington Healthplanfinder at (855) 923-4633. 

Assisted Living Bridge Loans and Reverse Mortgages

Bridge loans provide up to 12 months of payments for seniors who require short-term assistance paying for assisted living. These loans, offered through Elderlife Financial Services, provide seniors with access to either a lump-sum payment or a line of credit that can be paid off once benefits are approved or the senior sells their home. 

Reverse mortgages are available for partnered seniors aged 62 or older who own their own home and one partner or spouse needs to move into an assisted living facility. These reverse mortgages allow seniors to access the equity in their home to pay for assisted living while retaining ownership of their residence as long as one spouse continues to live in the home. 

To learn more about assisted living bridge loans and reverse mortgages, contact Elderlife Financial at (888) 228-4500. 

Veterans Aid and Attendance Benefits and Housebound Allowance

Veterans who have been honorably discharged and their surviving spouses may be eligible for benefits to cover assisted living costs through the Aid and Attendance and Housebound Program. This program is restricted to those who qualify for a VA pension, and it cannot be combined with VA disability benefits. Note that for the purposes of this program, disability does not need to be related to military service. 

The Housebound pension supplement is available to qualified applicants who have both a VA disability rating of 100 percent and are largely limited to their primary residence as a direct result of their permanent disability. 

The Aid and Attendance pension top-up is available to applicants who:

Are bedridden for the majority of the day due to disability or illness

Require a caregiver daily to assist with bathing, toileting, eating or managing a prosthetic device

Have corrected vision that is 5/200 or less in both eyes or has visual field concentric contraction to 5 degrees or less

Are living in a nursing home due to a disability-related loss of mental or physical abilities

For more information about the Aid and Attendance or Household benefits pension supplement program for veterans in the State of Washington, contact the VA St. Paul Pension Management Center at (800) 827-1000. 

Bellevue is home to a multidisciplinary outpatient clinic that is part of the VA Puget Sound Health Care System. This VA clinic is fully handicap-accessible and includes primary care, mental health and social work services as well as assistance with prescription processing and lab services. 

Bellevue CBOC (Valor Healthcare)
13033 Bel-Red Road, Suite 210, Bellevue, WA 98005-2633
(844) 296-6566

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