Page Reviewed / Updated - Apr. 2019
This guide is intended to help seniors, their families, caregivers and other loved ones understand the cost of senior living in Boca Raton, Florida. Its purpose is to give seniors and their loved ones a realistic picture of the expenses associated with senior care in Boca Raton. For links to helpful assisted living resources, or for more information about senior living in Boca Raton, visit our comprehensive guide to paying for senior care in Florida.
The cost of senior living in Boca Raton is close to the Florida state average. At most levels of care, senior living facilities in and around Boca Raton range from slightly higher than the state average to somewhat below it. Assisted living in Boca Raton, for example, costs an average of $3,620 per month, according to the 2018 Genworth Cost of Care Survey, which is $120 more than the Florida average cost of $3,500. However, home care in Boca Raton is less expensive than the state average, with monthly costs of $3,480, versus $3,804 for the rest of Florida.
Costs in Boca Raton are closest to the state average for adult day care. Typical monthly costs in Boca Raton run to $1,517, which is just $54 a month more than Florida's $1,463. The greatest difference in senior living costs affects nursing home care. Semi-private nursing home rooms in Boca Raton cost an average of $7,756 per month. The same level of care in the rest of the state costs an average of $8,152 per month.
Note: Senior care cost data wasn’t available for Boca Raton, so the data for the closest city, Port St. Lucie, was used.
Boca Raton is firmly in the middle range of costs for assisted living, among the surveyed Florida cities. Monthly costs for assisted living in Boca Raton average $3,620. North Port is closest to Boca Raton in cost, at $3,874 a month. Pensacola is close as well, at $4,096.
Tallahassee and Jacksonville are outliers on the high side of assisted living costs, at $4,339 and $4,425, respectively. Miami is on the other side of the spectrum, at $3,350 a month. Orlando and Tampa are the least expensive cities surveyed, at $3,275 and $3,250.
Home care costs in Boca Raton are low, relative to the rest of the Florida cities surveyed. Boca Raton seniors pay an average of $3,480 a month for in-home care. Only Miami seniors pay less, with an average monthly cost of $3,337. Home care in Pensacola is only slightly more expensive than Boca Raton, with a monthly cost of $3,575.
The most expensive cities in Florida for home care are Orlando and Tallahassee, which both have average monthly costs of $4,004. Jacksonville home care costs average $3,670, and similar service in Tampa costs $3,718 a month. Costs in North Port range close to an average of $3,813.
Adult day care for Boca Raton seniors costs an average of $1,517 a month. This is squarely in the middle of most Florida cities' cost ranges. Pensacola and Miami are two of the closest cities in price to Boca Raton, at monthly costs of $1,408 for both cities.
Tallahassee and Orlando are close to the bottom end of monthly adult day care costs, at $1,246 and $1,300, respectively. North Port and Tampa both have an average cost of $1,907 a month, while Jacksonville is at the top of cities surveyed, at $2,080 a month for adult day care.
Nursing home care in Boca Raton averages $7,756 a month. This is less than many other cities in Florida. North Port and Miami are among the most expensive cities surveyed, at $8,669 a month for both. Tampa and Orlando are close behind, at $8,319 and $8,106, respectively. Pensacola and Tallahassee are both also more expensive than Boca Raton, though only by $61 a month, at $7,817. Jacksonville is the least expensive Florida city surveyed, at an average cost for nursing home care of $7,118 a month.
Florida's Medicaid program is available to low-income seniors in Boca Raton who need help covering some or all of the costs associated with senior living. Until 2014, state Medicaid benefits covered only institutional care for seniors who needed nursing home or memory care placement, with waivers to help those who could get by at a lower level of care. With the abolition of Florida's waiver programs, Medicaid now provides coverage for assisted living and in-home services as well.
These services are provided through Florida's Statewide Managed Medicaid Care Long Term Care (SMMC-LTC) program. This program covers a broad range of services Boca Raton seniors may need, including:
Many of the benefits offered by the SMMC-LTC program are self-directed. This means that seniors in Boca Raton who are enrolled in the program receive state-funded vouchers to hire and manage their own assistants and caregivers as if they were their own employees. This is intended to give seniors the maximum flexibility to find and retain helpers they are comfortable with. Assistants may be personal friends, family members or others the program participant wants to hire.
Like all Medicaid programs, Florida's SMMC-LTC program is an entitlement, which means all Boca Raton seniors who meet the required income and eligibility standards are admitted to the program with no waiting list or enrollment caps.
To participate in the SMMC-LTC program, seniors in Boca Raton must meet admission standards. While details are best explained by a Medicaid intake worker, in general, new participants must be:
The state of Florida evaluates the income and assets of Medicaid applicants to determine eligibility. The standards are based on federal poverty guidelines and vary year by year, but as of 2018, applicants are limited to 300 percent of the Federal Benefit Rate, or $2,250 a month for individuals applying alone. Married couples are allowed to earn double this, or $4,500 a month. For the purposes of program intake, this income can be from any source; such as work, pensions, investments and annuities.
In addition to income, Florida Medicaid also considers applicants' assets when making an eligibility determination. As of 2018, applicants must not own countable assets worth more than $2,000. Private homes with a value of less than $572,000 are not counted, nor is a single personal vehicle. If one spouse is entering residential care, the other spouse is allowed to hold up to $123,600 in assets separate from this.
Florida's Medicaid program has a 5-year "look-back" period when evaluating assets. This means that all asset transfers over the five years prior to the application may be examined to prevent large property transfers or short sales of assets at artificially low market rates. Medicaid imposes an eligibility penalty for applicants who have concealed assets in this way.
Seniors in Boca Raton who own more assets, or who earn a higher income, than the program allows may still qualify for benefits. Some income can be allocated to income trusts, and some property can be converted into non-countable assets prior to applying for Medicaid. Only a qualified Medicaid planning consultant can explain the details of appropriate asset transfers for seniors who are close to the income and asset limits.
The Optional State Supplement (OSS)
The Optional State Supplement (OSS) helps low-income seniors in Boca Raton who live in residential care cover the cost of senior living. Benefits are in the form of a cash grant, and recipients may live in an adult family care home or an assisted living community.
Respite for Elders Living in Everyday Families (Project R.E.L.I.E.F.)
Project R.E.L.I.E.F. offers free respite care for seniors in Boca Raton. This program is intended to provide relief for caregivers by paying for in-home supervision and assistance for short periods. Services may be delivered in the seniors' own home, the home of a relative or assisted living facility.
Alzheimer’s Disease Initiative (ADI)
Alzheimer’s Disease Initiative (ADI) offers varied support services for Boca Raton seniors with Alzheimer's disease, including extended respite services for seniors provided outside of the home. Out-of-home respite may be provided for extended periods of up to 30 days.
Community Care for the Elderly (CCE)
Community Care for the Elderly (CCE) provides care services for seniors in Boca Raton who do not qualify for Medicaid for various reasons. Services offered by CCE include adult day care, personal care, disposable medical supplies and sometimes legal assistance.
Home Care for the Elderly (HCE)Home Care for the Elderly (HCE) supports Boca Raton seniors' caregivers with direct financial support. This cash aid is intended to help caregivers cover the cost of basic care for seniors. Funds may also be used to pay for medically necessary equipment, such as walkers, shower chairs and other items.
|Low-Income Home Energy Assistance Program (LIHEAP).||(561) 996-0660||LIHEAP provides emergency assistance for Boca Raton seniors who need help paying for their utility bills. Income and asset limitations apply. Applications from Boca Raton seniors may go through Palm Beach Community Action.|
|Program of All-Inclusive Care for the Elderly (PACE).||(561) 868-2999||PACE helps seniors in Boca Raton who would otherwise qualify for residential care pay some of the cost of in-home care. Eligibility guidelines apply, and applications may be made through the program's Palm Beach office.|
|Comprehensive Assessment and Review for Long-Term Care Services (CARES)||(866) 880-4080||CARES is a federally mandated program for seniors in Boca Raton who have requested placement in a residential care facility. As part of the process, the program provides free in-home health and needs screenings to determine a senior's optimal level of care. For seniors capable of aging in place, the program may assist with finding a caregiver. Applications may be made by phone.|
|Boca Raton Senior Housing Agency||(561) 206-6200||The Boca Raton Senior Housing Agency helps seniors in Palm Beach County find affordable housing in the area. This program is funded by the federal Section 8 housing program and may have a waiting list for applicants. Applications may be submitted in person with a benefits intake worker.|