Cost of Assisted Living in Kissimmee, Florida

Page Reviewed / Updated - September 2019

This guide contains information about the cost of senior living in Kissimmee. This includes advice about resources and financial assistance available to low-income seniors in the area. An extensive look at the resources available in the state can be found in our guide to paying for senior care in Florida.

The Cost of Senior Living and Care in Kissimmee

In most categories of senior living, the cost in Kissimmee is lower than the state median. In the 2018 Genworth Cost of Care Survey, assisted living in Kissimmee is $225 lower than the state median. Similarly, seniors in Kissimmee pay $163 less each month for adult day care and $46 less for nursing home care. The one exception is home care, which costs $4,004 in Kissimmee, $200 more than the state median.

Note: Senior care cost data wasn’t available for Kissimmee, so the data for the closest city, Orlando, was used.

Kissimmee Assisted Living Costs

The cost of assisted living in Kissimmee is among the lowest in Florida. At $3,275 a month, it's only $237 more than in Sebring, which has the most affordable assisted living in the state. Naples has the most expensive assisted living in Florida, and seniors in the area pay $2,173 more each month than those in Pasadena.

Kissimmee is also significantly more affordable than most major cities in Florida. Seniors in the Miami area pay only $75 a month more than those in Kissimmee, but in Tallahassee, that price difference rises to $1,064 a month, and in Jacksonville, the difference is $1,150.

Kissimmee Home Care Costs

The cost of home care in Kissimmee is higher than in nearby cities. Seniors in the Lakeland area pay $667 less each month, and for those in Deltona, the difference is $95 monthly. Kissimmee is also less affordable than some of Florida's large cities, with the cost in Jacksonville $334 less each month. The most affordable home health care in Florida is available in Sebring, where seniors pay $3,051 monthly, almost $1,000 less than those in Kissimmee. The least affordable home care is $4,385 a month in Punta Gorda, $381 more than Kissimmee.

Kissimmee Adult Day Care Costs

At $1,300 a month, Kissimmee has some of the most affordable adult day care in Florida. Only Tallahassee has less expensive adult day care, with seniors in the city paying $1,246, $54 less than in Kissimmee.

The most expensive adult day care is in Jacksonville. The cost there is $2,080 a month, or $780 more than in Kissimmee. Seniors in the nearby Lakeland area pay just $65 more each month than those in Kissimmee, while the cost in Deltona is $1,463, equal to the state median and $163 more than in Kissimmee.

Kissimmee Nursing Home Costs

The cost of nursing home care in Kissimmee is $8,106 a month, which is close to the state median. The most affordable nursing home care in Florida is found in Jacksonville. The cost there is $7,118 a month, $988 less than Kissimmee, and Tallahassee is also more affordable at $7,817 a month.

Other major cities, including Tampa and Miami are more expensive than Kissimmee, with seniors in Tampa paying $8,319 monthly and those in Miami paying $8,699. The least affordable nursing home care in Florida is in the Naples area where the average cost is $10,319 a month, $2,213 a month more than Kissimmee.

Financial Assistance Programs in Kissimmee

Medicaid Program in Kissimmee

The Statewide Medicaid Managed Care Long-Term Care program provides long-term Medicaid to residents of Kissimmee and the rest of Florida. Under the program, the state is divided into 11 regions, which are managed by different Managed Healthcare Organizations. Kissimmee is part of Region 7.

A range of services is provided by SMMC-LTC, and nursing home care, assisted living, home health care and adult day care are all covered by the program. Others services that are available include respite care, medical equipment and caregiver training. Not all participants are able to access every service, and some services can be directed by participants.

The SMMC-LTC is an entitlement program, so all eligible residents receive care. To be eligible, applicants must require assistance with at least two activities of daily living, which is considered a nursing facility level of care. They must be legal residents of Florida and aged 65 and over. People aged between 18 and 64 can access the program if they are designated as disabled.

Applicants must also meet the financial eligibility criteria. For single applicants, the income limit is $2,313 a month and the asset limit is $2,000. For married applicants who are applying alone, the same income and asset limits apply; although, the non-applicants spouse can keep a further $126,420 worth of assets. If both members of a married couple are applying, they can have a joint monthly income up to $4,626 and assets of $3,000. Not all assets are included in the asset value calculation. Non-countable assets include personal belongings, furniture, burial trusts, an automobile and the family home.

For residents unable to meet the financial eligibility requirements, a number of pathways exist to help them gain access to the SMMC-LTC. The Medically Needy Pathway lets participants use excess income to pay for medical expenses. This pays down their income, and once they reach the income limit, they can gain access to Medicaid for the rest of the month. This lets people with high incomes and high medical expenses qualify, but it does not assist if people are above the asset limit.

Qualified Income Trusts are another way for people to pay down their income. Participants put excess income into the trusts, qualifying them for Medicaid. There are strict terms attached to the trusts. There are specific purposes that the money can be used for, such as medical bills and a personal needs allowance. In addition, the trust can't be canceled, and the state receives any remaining money upon the death of the Medicaid recipient.The first step in applying for SMMC-LTC is to contact the local Area Agency on Aging. In Kissimmee, this is the Senior Resource Alliance on 1-800-963-5337.

Other Financial Assistance Programs in Kissimmee

Alzheimer's Disease Initiative (ADI)

All people aged 18 and over who have been diagnosed with Alzheimer's disease or a related condition are eligible to receive support through the Alzheimer's Disease Initiative. The program is designed to provide support to people living with the disease and their caregivers. Respite services are available through the program, including in-home, facility-based, emergency and extended respite care.

Training and other support services are available to caregivers of participants, and the program provides access to services offered by Memory Disorder Clinics. An MDC can provide assessments for people who are suspected of having a memory disorder. Our guide to the ADI can provide further information, and applications are available through the local Area Agency on Aging.

Community Care for the Elderly (CCE)

The Community Care for the Elderly program is available to adults aged 60 and over who are assessed as functionally impaired. The community-based services available include adult day care, medical therapy, companionship and help in the home. The program has waiting lists, and those assessed as being in need of immediate care to prevent harm are given priority. Applications in Kissimmee are managed through the Senior Resource Alliance, and further information can be found on our CCE page.

Home Care for the Elderly (HCE)

The Home Care for the Elderly program is designed to help older adults stay in communities and out of institutional or nursing home care. The program provides a subsidy to help care for participants and special subsidies may also be available for additional services or supplies. The program has limited funding, so applicants may be put on a waiting list.

The program is available to Florida residents aged 60 and over who are at risk or entering a nursing home. Financial eligibility requirements for the program are the same as the Medicaid income and asset limits, although people cannot receive HCE and Statewide Medicaid Managed Care at the same time. In addition, participants must live with an adult caregiver who can arrange or provide care for them. Learn more about eligibility or apply through the local Area Agency on Aging.

Respite for Elders Living in Everyday Families (RELIEF)

Frail older adults who have a full-time caregiver are eligible for the RELIEF program. It is designed to help families and caregivers continue caring for elderly relatives by giving them time to themselves. In-home respite care is provided through the program. The local Area Agency on Aging administers the program, and more information can be found on our RELIEF page.

Optional State Supplement (OSS)

Florida's Optional State Supplement provides financial assistance to eligible Kissimmee seniors. It's available to Florida residents aged 65 and over who are assessed as requiring placement in residential care. Applicants must also meet financial eligibility requirements. For singles, this is an income less than $828.40 a month and assets no higher than $2,000. For couples, the income limit is $1,656.80 and the asset limit is $3,000. Higher income limits apply to people in mental health treatment facilities.The supplement helps people pay for room and board at residential care facilities, which can include mental health treatment centers, assisted living facilities and adult family care homes. Further information about the program can be found on our Florida OSS page, and applications are managed through the Department of Children and Families website.

More Senior Living Resources in Kissimmee

Resource

Phone Number

Description

Osceola County Housing Office (407) 742-8400 The Osceola County Housing Office has a range of programs designed to provide housing assistance to low- and moderate-income residents of the county. Programs include the Section 8 program and housing rehabilitation for owner-occupied homes.
Kissimmee Housing and Community Development Division (407) 847-2821 The SHIP Program is overseen by the Kissimmee Housing and Community Development Division. It has a number of initiatives that help low income residents with housing, including Special Needs Owner Occupied Rehabilitation, which can help with special needs pay for home modifications.
Osceola County Property Appraiser (407) 742-5000 Osceola County has a number of exemptions available that offer property tax assistance to residents. The Senior Exemption is available to households where at least one owner of the property is aged 65 or over. An additional Super Senior exemption offers an extra discount to eligible seniors.
Emergency Home Energy Assistance for the Elderly (800) 963-5537 The Emergency Home Energy Assistance for the Elderly program provides financial assistance to help eligible seniors pay their utility bill. The benefit is available once per season.