Understanding your senior care
options — without the overwhelm

The national median is $6,200/month ($74,400/year) as of 2025, according to the CareScout/Genworth Cost of Care Survey. Costs vary significantly by state — from around $4,400/month in lower-cost states like Mississippi to about $9,600/month in Massachusetts or $12,000/month in Hawaii. Read more →

Medicare does not cover assisted living at all. For nursing homes, Medicare only covers short-term skilled nursing care — up to 100 days per benefit period after a qualifying hospital stay of at least 3 days. After day 100, Medicare pays nothing. Long-term custodial care is not covered. Read more →

Memory care is a specialized form of assisted living for people with Alzheimer's or other dementias. Memory care facilities have secured environments to prevent wandering, staff with dementia-specific training, and adapted programming. Memory care typically costs 15–25% more than standard assisted living — national estimates for 2025–2026 range from $6,690 to $8,019/month. Read more →

Medicaid covers nursing home care in every state for eligible individuals. For assisted living, 46 states and D.C. offer some coverage through HCBS waiver programs — but this typically covers care services only, not room and board. Eligibility generally requires countable assets below $2,000 and income under ~$2,982/month. Waitlists are common. Read more →

Yes. The VA Aid & Attendance benefit provides monthly cash payments to eligible wartime veterans and surviving spouses. In 2026, the maximum is $2,424/month for a single veteran, $2,874/month for a veteran with one dependent, and $1,558/month for a surviving spouse. The benefit can be applied to assisted living, in-home care, or nursing home costs. Read more →