Assisted Living in Everett, WA

Assisted Living Costs in Everett

According to Genworth’s 2018 Cost of Care study the average cost of assisted living in Everett is higher than both the state average of $5,135 and the national average of $4,000. Prices for assisted living are similar in nearby Bremerton ($5,720), while costs are considerably lower in Olympia ($4,250). Costs are also lower in Mount Vernon ($5,125) and Bellingham ($4,250). 

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

The Cost of Assisted Living in Surrounding Areas

Care Cost Comparison

Senior care costs are largely based on the type of care provided; however, in Everett, property values and a high government-mandated minimum wage in nearby Seattle also drive up the price of services. 

As with most other areas, nursing home care is the most expensive option at close to double the cost of assisted living. Homemaker and home health aide services are about $350 more expensive than assisted living, while adult day health services are the least expensive senior care option. When weighing the costs of different options, it’s important to remember that residential care services include room and board, whereas seniors who remain in their own homes will need to budget for ongoing living expenses such as property maintenance, food and utilities. 

Senior Care Cost Comparison Chart

Financial Assistance for Assisted Living in Everett

Medicaid in Washington

Medicaid, the nationwide health insurance program for low-income Americans, provides basic health care coverage to 22% of Washington residents through funding provided by the state and federal governments. Seniors and the disabled make up 17% of Medicaid enrollees in Washington, where the program is known as Apple Health. 

All Washington residents aged 64 and under who earn less than $1,384 per month automatically qualify for up to $16,752 in health care services such as cancer screening, treatment for chronic diseases and emergency medical care. 

Washington seniors age 65 and older who receive Social Security Income and earn under $771 monthly per person, or under $1,157 when applying as a couple, may qualify for no-cost Apple Health Long-Term Services under the Categorically Needy SSI Related Medical (S02) designation. 

To learn more about Apple Health Long-Term Services for seniors, call the Washington Healthplanfinder at (855) 923-4633. 

Community Options Program Entry System

Washington seniors who require extensive assistance with two or more activities of daily living, such as eating, bathing, toileting or taking medication, may qualify for the Community Options Program Entry System. This Medicaid Home and Community-Based waiver prevents or delays nursing home placement among Washington seniors by providing additional services and supports within an assisted living setting. 

Seniors approved for the COPES program who reside in assisted living facilities must contribute towards their care costs by paying a monthly participation amount.

The amount a senior pays is based on their countable income and the services used. Costs such as a personal needs allowance, child support payments, guardianship fees and eligible medical expenses may be excluded from countable income under this program. 

It’s important to note that enrollment in the COPES program is currently capped at approximately 45,000 participants statewide and projected to rise to a maximum of 56,644 participants. Seniors who qualify for COPES may be placed on a waiting list. 

For more information about the COPES program, contact the Everett Community Service office of the Washington State Department of Social and Health Services at (877) 501-2233. 

Other Financial Assistance Programs for Assisted Living

Supplemental Security Income – State Supplemental Payment 

Seniors who receive Supplemental Security Income qualify for a cash top-up through Washington’s State Supplemental Payment Program.

Payments of $40 per month are automatically added to the federal SSI amount for Washington recipients age 65 and older. 

To learn more about the Washington SSI-SSP, contact the Department of Social and Health Services at (877) 501-2233. 

Assisted Living Bridge Loans

Elderlife Financial offers assisted living bridge loans to seniors who require short-term cash to finance a move into an assisted living facility. 

Available in terms of up to 12 months and funded as a line of credit, these loans are designed for seniors who are selling their homes or waiting for assisted living benefits to begin. 

Applications can be made over the phone, and up to six borrowers can be named on the loan to disperse costs among family members. There’s no penalty for early repayment, and funds from the loan are sent directly to the assisted living facility each month. 

For more information about bridge loans, call Elderlife Financial Services at (888) 228-4500. 

Assisted Living Resources in Everett

Recreation Services and Community Aid for Seniors in Everett

The Carl Gipson Senior Center of Everett is open to seniors age 50 and older. Programs and services are provided Monday through Saturday, 8:30 a.m. to 4:30 p.m. and until 8 p.m. each Wednesday. Center members can participate in crafting workshops, fitness classes and ukulele lessons, and three duplicate bridge games are held weekly. 

Seniors in Everett can access free health screening services each weekday morning at the Gipson Center. There are preventive dental and foot care services available by appointment with fees based on a sliding scale. The Center also offers a low-cost lunch program on weekdays, and health insurance benefits advisers are available twice per month. 

The Carl Gipson Senior Center of Everett
3025 Lombard Ave, Everett, WA 98201
(425) 257-8780 

Resources for Veterans

Veterans and their survivors who need information about benefits, referrals to VA medical services or assistance completing an Aid and Attendance and Housebound application can contact the Snohomish County Veterans Assistance Program. VA health care services are available at the North Seattle Community Based Outpatient Clinic.

Snohomish County Veterans Assistance Program
3000 Rockefeller Ave, Drewel Bldg, Everett, WA 98201
(425) 388-7255

Everett Vet Center
1010 SE Everett Mall Wy, Ste 207, Everett, WA 98208
(425) 252-9701

North Seattle CBOC
12360 Lake City Way NE, Suite 200, Seattle, WA 98125
(206) 384-4382