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The average cost of assisted living in the city is $5,000 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 3 assisted living facilities in Oshkosh and 24 in surrounding areas.
The Cost of Senior Care in Oshkosh, WI
It is our sought-after feature and impressive amenities which make The Waterford at Oshkosh the community of choice for families when seeking supportive services for their loved ones.
Housed in a stately manor in the center of Oshkosh, Centennial Inn is a welcoming senior community that provides caring and compassionate assisted living and Alzheimer’s care.
We chose Bella Vista because they offered a decent price for the level of care that my mother needed. It wasn't too outrageous. It seems like a nice place and she's happy there. The rooms are nice. The CNAs, the nurses, and everyone working there all seem very attentive and very nice. They have activities, she just doe...Read more Bella Vista reviews
Bella Vista was a very nice facility. It's just not the right facility for my dad because he's in a wheelchair and the units that they had available were on the second floor quite a distance from the dining area. It would have been a little hard for him to be able to make that work, and they don't take Medicaid or Medi...Read more Bella Vista reviews
Seniors in Oshkosh pay an average of $5,000 per month for assisted living, according to the 2018 Genworth Cost of Care study. This is the highest rate of all the cities surveyed across Wisconsin, and it’s significantly more expensive than both the state ($4,300) and national ($4,000) averages.
La Crosse has the lowest cost statewide at $2,638, which is almost half the price in Oshkosh. The nearby cities of Fond du Lac ($3,744) and Appleton ($4,312) are also significantly more affordable for assisted living, while rates in Sheboygan and Racine are only somewhat less expensive, at $4,674 and $4,888 respectively.
The Cost of Assisted Living in Surrounding Areas
Senior care rates in Oshkosh vary depending on the category of care and other factors, such as the number of service hours provided and whether skilled services are required. Those who need 24-hour nursing home care can expect to pay about 70% more than the average monthly cost of assisted living.
At first glance, in-home services from a homemaker or home health aide appear to cost about 10% less than assisted living. For a realistic cost comparison of in-home and residential care options, it’s important to add on amounts paid for regular household expenses, such as utilities, upkeep and groceries, that are typically included in assisted living facility fees.
Senior Care Cost Comparison Chart
Wisconsin Medicaid operates within the framework of the federal Medicaid program, which delivers health care coverage to one in five Americans. Over 900,000 Wisconsin residents receive low-cost or free medical and long-term care services through the program. To qualify for coverage, Oshkosh residents must:
It’s important to note that all types of income count toward the limit, including wages, Social Security and VA benefits, pension payments, rental income, IRA withdrawals and investment dividends. Several asset types don’t count, such as a primary residence valued at less than $858,000, household and personal effects, one vehicle and burial plots.
The state program offers a Medicaid deductible plan that may help over-income seniors with high medical expenses qualify for coverage. A deductible is determined by reducing an applicant’s income by the program’s current income limit (presently $591.67). Once this amount is spent on medical expenses, the applicant becomes eligible for Medicaid coverage for a period of six months.
In an effort to reduce the number of nursing home admissions and the overall cost of long-term care, Wisconsin Medicaid offers two waiver programs that cover a variety of services and supports for Medicaid-eligible seniors wishing to remain in the community.
Include, Respect, I Self-Direct Waiver
The IRIS waiver program is designed to give eligible seniors and disabled adults the ability to make choices about their long-term care goals and where they live. The program provides the services of a case manager to help enrollees develop their own services and supports plan and matching budget. Participants can use their budgeted funds to pay for goods and services of their choosing. These might include:
To qualify for the IRIS program, applicants must be aged 64 or younger and disabled or over age 65 and in need of a nursing facility level of care.
Family Care Waiver
The Family Care waiver enrolls qualified seniors with a managed care organization to develop a medical and long-term care plan tailored to their specific needs. The program allows seniors to receive services where they live, such as a community-based residential care facility. Covered supports and services can include:
To qualify for the Family Care program, applicants must be 65 or older or 64 or younger and disabled. They must also be assessed as needing daily assistance to maintain their independence and avoid admission to a nursing home.
To learn more about the IRIS or Family Care waiver programs or to apply, seniors can contact the Greater Wisconsin Agency on Aging at (608) 243-5670.
Assisted Living Bridge Loan
Making the transition to assisted living can leave seniors strapped for cash while waiting for government benefits to begin or the sale of a home or other assets. Seniors who need a short-term source of funds to pay for facility entrance fees, monthly rent and care costs should consider applying for a bridge loan through Elderlife Financial. These loans have a maximum term of 12 months and are structured as a line of credit with interest-only monthly payments. There are no upfront fees or out-of-pocket costs, and up to six family members can share the application to increase the likelihood of approval.
State Supplemental Security Income
Oshkosh residents aged 65 and over who qualify for Supplemental Security Income benefits are also eligible for a supplemental payment from the Wisconsin Department of Health Services. These extra funds are added to a person’s monthly federal SSI benefit check and may be used to pay care-related expenses not covered by Medicaid, such as assisted living room and board. The maximum benefit available is $179.77 per month, but the amount received may be less depending on an applicant’s living arrangement and income.
Seniors can apply for both federal and state SSI benefits by calling the Social Security Administration at (800) 772-1213.
The city’s senior center is a favorite gathering place for area residents aged 50 and over. Seniors can enjoy a warm, friendly atmosphere and a wide array of programs, activities and beneficial services. The center hosts exercise and fitness classes, movie nights, bingo and card games and other recreational activities, as well as self-improvement classes and special social events that keep members active, engaged and enjoying life. Other offerings include a daily senior dining program, health and wellness checks, financial and benefits counseling, planned outings and group trips.
Oshkosh Seniors Center
200 N. Campbell Rd., Oshkosh, WI 54902
Oshkosh senior veterans can obtain information and help filing for disability pensions, the Aid and Attendance program, survivor benefits and other service-related entitlements at the Winnebago County Veterans Services office. The VA Outpatient Clinic in nearby Appleton provides vital medical services, including primary care, lab and radiology services, mental health care and referrals to specialist care in Green Bay and Milwaukee.
Winnebago County Veterans Services
112 Otter Ave., Oshkosh, WI 54901
John H. Bradley VA Outpatient Clinic
10 Tri-Park Way, Appleton, WI 54914
Legal Action of Wisconsin’s Oshkosh office provides free civil legal assistance to low-income seniors aged 60 and older. Some of the legal concerns the nonprofit agency addresses include elder abuse and neglect, Social Security, consumer law, health care and public benefits.
Legal Action of Wisconsin
404 N. Main St., Oshkosh, WI
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