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Assisted Living in Oshkosh, WI

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

  • Assisted Living: $5,000
  • Nursing Home Care: $8,486
  • In-home Care: $4,481
  • Adult Day Health Services: N/A

Bella Vista

631 Hazel Street
Oshkosh, WI

Call 1-800-991-9257 for details

3 Reviews
Starting at XXXX per month

Call 1-800-991-9257 for details

3 Reviews
Starting at XXXX per month

Located across from Menomonee Park on the shores of Lake Winnebago, Bella Vista provides a range of world-class residential amenities and services to Oshkosh seniors.

The Waterford at Oshkosh

1110 W. Murdock Avenue
Oshkosh, WI

Call 1-800-991-9257 for details

Call 1-800-991-9257 for details

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.

Centennial Inn

1628 North Main Street
Oshkosh, WI

Call 1-800-991-9257 for details

Call 1-800-991-9257 for details

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 Can Help! Our Local Advisors can help your family make a confident decision about senior living.

Reviews of Oshkosh Assisted Living Facilities

Bella Vista

Review by Duane | Consumer

My dad only stayed at Bella Vista for five days. It's a very nice facility and I'd recommend it. It was a good facility. The people are very friendly, the accommodations are very nice, and all amenities are very good.

Read more Bella Vista reviews

Bella Vista

Review by Kay | Consumer

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

Review by Jay | Consumer

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

Map of Oshkosh Assisted Living Facilities

Assisted Living Costs in Oshkosh

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

Care Cost Comparison

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

Financial Assistance for Assisted Living in Oshkosh

Medicaid in Wisconsin

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:

  • Be a U.S. citizen or qualified immigrant
  • Be aged 65 or older, or disabled if younger
  • Have an income of $2,313 or less per month
  • Have a maximum of $2,000 in assets

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.

Oshkosh residents can apply for Medicaid coverage online or call Wisconsin Access member services at (800) 362-3002 to learn more or receive help submitting an application.

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:

  • Nursing services
  • Residential care
  • Prepared meals
  • Assistance with personal care
  • Medical equipment and supplies
  • Assistive technology
  • Nonmedical transportation

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:

  • Care coordination
  • Assistance with activities of daily living
  • Residential services
  • Medical transportation
  • Physical and speech therapy
  • Durable medical equipment
  • Adaptive aids
  • Necessary supplies
  • Skilled nursing care
  • Transitional assistance

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.

Other Financial Assistance Programs for Assisted Living

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.

Seniors can complete a bridge loan application online or call Elderlife Financial Services at (888) 228-4500 to learn more or apply by phone.

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.

Assisted Living Resources in Oshkosh

Oshkosh Seniors Center

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
(920) 232-5300

Veterans Resources

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
(920) 232-3400

John H. Bradley VA Outpatient Clinic
10 Tri-Park Way, Appleton, WI 54914
(920) 831-0070

Senior Legal Assistance

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
(920) 233-6521

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