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The average cost of assisted living in the city is $4,357 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 7 assisted living facilities in Charleston and 3 in surrounding areas.
The Cost of Senior Care in Charleston, WV
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Brookdale Charleston Gardens is a continuing care community for seniors, located in a quiet area just minutes from the shopping and cultural activities of downtown Charleston.
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Harmony at Southridge is located in Charleston, the capital city of West Virginia, just a short drive from local amenities like the Capitol Market and the Kanawha Players Theatre. Charleston is home to world-class medical facilities, such as the Charleston…
Edgewood Summit, located in Charleston, is a continuing care retirement community that provides seniors with a selection of amenities and services that cannot be matched anywhere else in West Virginia.
Offering skilled nursing, medical and rehabilitative care for patients and residents. Whether for a short stay or for an extended period, our Clinical Care Teams are focused on implementing personalized care programs to facilitate recovery and improve well-being.
Charleston’s average assisted living cost is the most expensive in West Virginia at $4,357 per month. This is over $700 higher than the state average ($3,619) and more than $300 higher than the national average ($4,000). Charleston’s assisted living rates are also substantially more expensive than in Beckley ($3,225), Huntington ($3,360) and Parkersburg ($3,210), where assisted living costs are the lowest in the state.
The Cost of Assisted Living in Surrounding Areas
As in most cities across the U.S., the cost of senior care in Charleston differs vastly depending on the type of care required. The most notable difference is in the cost of nursing home care ($10,737), which is more than $7,000 above home care ($3,098) and over $6,000 above the cost of assisted living ($4,357). Even though home care services appear to be less costly than assisted living, it’s important to consider related expenses, such as housing costs and groceries. These costs are typically included in the price of assisted living, which is the least expensive option for round-the-clock senior care.
Senior Care Cost Comparison Chart
In West Virginia, the Medicaid program is administered by the West Virginia Bureau for Medical Services. It works with the federal government to provide medical insurance to low-income residents across the state. The program is available to families with children under age 19, pregnant women, disabled persons and senior citizens over age 65. The plan covers a number of valuable health care services, including primary care, specialty care, chiropractic, emergency transportation, nursing home care and prescription medications.
To qualify for Medicaid as an elderly resident of West Virginia, applicants should be 65 years of age or older. They also need to meet the following financial requirements:
All sources of income count toward the limit, but some assets are exempt, such as the applicant’s home, vehicle and household furnishings.
Seniors who are Supplemental Security Income beneficiaries receive Medicaid automatically and don’t have to apply. All others can complete a Medicaid application online or contact the federal call center at (800) 318-2596.
Medicaid Personal Care
The Medicaid Personal Care program is available to seniors who require assistance with activities of daily living. Participants may receive coverage whether they live at home or in an assisted living or nursing care facility. Services provided include assisted living, personal care, nonemergency transportation and skilled nursing care.
To qualify for the Personal Care program, applicants must be Medicaid-eligible and complete a medical eligibility assessment with the help of their physician.
For more information or to apply, seniors can contact the West Virginia Bureau of Senior Services at (304) 558-3317.
Elderlife Bridge Loan
Seniors who can’t afford the cost of assisted living upfront may find a temporary solution through a bridge loan from Elderlife Financial Services. These loans are structured as a line of credit with interest-only monthly payments. Funds are issued directly to the senior living facility as needed. Elderlife offers flexible loan terms and limits, and there’s no penalty for early repayment, so the loan can be paid off as resources become available from the sale of a home or other assets, or when benefits kick in.
Elderlife also allows up to six people to apply on behalf of a senior to increase the likelihood of approval.
To apply for a bridge loan, seniors can contact Elderlife Financial Services at (888) 228-4500.
Veterans Aid and Attendance Pension Benefit
The Department of Veterans Affairs administers the Aid and Attendance program to help qualified individuals pay for long-term care services at home or in assisted living or nursing home facilities. Once approved, the monthly benefit is included with the beneficiary’s regular VA pension.
To qualify for Aid and Attendance benefits, an applicant must be a U.S. veteran or surviving spouse and fall under one of the following categories:
This program isn’t available to veterans who receive a VA disability pension.
For more information or assistance filing an application, seniors can call the Huntington Regional Benefit Office at (304) 399-9395. Seniors living in West Virginia can submit a completed application to the Philadelphia VA Regional Office.
The Tiskelwah Senior Center is open to seniors living in the Charleston area. The center offers a variety of fun and enriching activities, including a walking club, craft clubs, hot lunches and sing-alongs.
KVSS Tiskelwah Senior Center
600 Florida St., Charleston, WV 25302
The West Virginia Bureau of Senior Services provides seniors living in Charleston and throughout the state with access to a variety of resources and programs including legal aid, the state’s long-term care ombudsman, disease prevention programs and nutrition programs.
West Virginia Bureau of Senior Services
Town Center Mall, 3rd level, Charleston, WV 25301
Veterans in Charleston can access a variety of resources and benefits including financial aid, support groups and social activities. To apply for aid and benefits, seniors may contact the West Virginia Department of Veterans Assistance. To learn about events and programs, they may contact the Charleston Veterans Center. Those who are eligible can receive medical services including primary care and laboratory services at the local VA Outpatient Clinic.
West Virginia Department of Veterans Assistance
1900 Kanawha Blvd. E., Charleston, WV 25305
Charleston Veterans Center
521 Central Ave., Charleston, WV 25302
VA Outpatient Clinic
700 Technology Dr., South Charleston, WV 25309
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