Page Reviewed / Updated - July 2019
This guide provides a breakdown of the costs associated with senior care in Port Saint Lucie, Florida, financial aid options available to seniors in the area, and additional resources related to senior living. For an overview of this information for the entire state, please check out our guide on paying for senior care in Florida.
Senior care of all types in Port Saint Lucie is relatively close to the Florida average according to the Genworth 2018 Cost of Care Survey. Of the differences, the most notable are in home care and nursing home care, where Port Saint Lucie offers a savings of just over $300 per month. When compared to other cities in the state, there are several areas that sit at higher and lower costs for each care type. However, when compared to the national averages, Port Saint Lucie senior care costs are lower in all categories but nursing home care.
The average monthly cost of $3,620 for assisted living in Port Saint Lucie is just a little over $100 higher than the state average of $3,500. When comparing this pricing, Lakeland offers a decent savings of almost $800 a month while Miami is only slightly lower at $3,350.
The city does offer lower prices than those found in Jacksonville or Crestview, each with a monthly average over $4,000. Naples is the outlier with a monthly cost that is $1,828 more than what is found in Port Saint Lucie.
The cost of home care in Port Saint Lucie is somewhat lower than the state average, offering a savings of just over $300. The Miami and Lakeland areas are slightly cheaper in this category, each with a difference of about $100.
Quite a few cities in Florida sit above the $3,500 mark, including Deltona, Jacksonville and Crestview. Naples is one of the pricier areas, with an average monthly cost of $4,195 for home care. When compared to Port Saint Lucie, the Naples mean is an additional $700.
When comparing the price for adult day care across the state of Florida, most cities are close to the state average of $1,463. At just $1,517 per month, Port Saint Lucie is slightly higher. The majority of areas fall in the $1,400 range with Lakeland dipping slightly below at $1,365. Crestview, at $1,625 per month, is around $100 higher than Port Saint Lucie, while Jacksonville is over $500 more.
Nursing home care appears to be the category Port Saint Lucie has the edge in. Although the average cost of $7,756 is just a few hundred dollars below the Florida mean, Port Saint Lucie offers a savings when compared to almost every other city in the state. Jacksonville offers the lowest prices with an additional monthly savings of about $600, but all other areas have higher price points, ranging from $7,908 in Crestview to Naples, which averages more than $10,000 per month.
Eligible residents may receive assistance from Port Saint Lucie's Medicaid program. Medicaid serves as health insurance for seniors, the disabled and low-income individuals, and provides services to help prevent nursing home placement.
The nursing home diversion plan in Port Saint Lucie is called the Statewide Medicaid Managed Care Long-Term Care Program (SMMC LTC) and replaces the Home Based Community Services (HBCS) waivers that were formerly offered. Through the SMMC LTC, seniors who qualify can meet with a long-term care manager to determine the least restrictive care that can be provided. This can include those in need of adult day care, assisted living, nursing home care or care within the home. Specific possible services include:
The SMMC LTC is an entitlement program so all eligible applicants will receive coverage. To be eligible, Port Saint Lucie candidates must show proof of legal Florida residency, should be at least 65 years old or be an adult with a qualifying disability, require a level of care normally found in a nursing home and meet Medicaid financial criteria.
Financial eligibility requires the income and asset values of applicants to fall below a set amount. These values can change over time to factor in the cost of living. As of 2019, the individual income limit is $2,313 and the asset limit is $2,000. For married couples who both need assistance, the individual rate applies to each individual, doubling the overall limit to $4,626 in monthly income. The asset limit, however, is only raised to $3,000.
If only one spouse is applying, up to $126,420 worth of joint assets can be retained by the non-applicant spouse without disqualifying the applicant. Some assets are also exempt from the total, such as:
To apply for entrance into the SMMC LTC program, contact your local Area Agency on Aging or call the Elder Helpline at 1-800-262-2243 to schedule a phone interview with a caregiver. If the applicant is found to be eligible, a Medicaid application must be submitted through the Department of Children and Family Services using the online ACCESS System.
Optional State Supplement (OSS)
The OSS program offers a cash payment, up to $239 per month, to aid low-income seniors in need of residential care. The payment can be applied toward the room and board fees of a Port Saint Lucie assisted living facility, adult family care home or a mental health facility. To be eligible, applicants must be a legal Florida resident over 65 or have a qualifying disability, require residential care and monthly income of no more than $828.40. They must also have assets valued below $2,000. For more details on this program, and information on how to apply, please see our guide on the Florida OOS program.
Project RELIEF (Respite for Elders Living in Everyday Families)
Project RELIEF offers free respite care to family caregivers through trained volunteers. Eligibility can vary by location but requires applicants to be Florida residents over the age of 60, to not receive any other long-term care benefits and to be unable to afford paid respite care even though it's necessary to prevent placement in a residential facility. To find out more information about this program, including details on how to apply, check out our guide on Project RELIEF.
Alzheimer's Disease Initiative (ADI)
Residents of Port Saint Lucie who suffer from Alzheimer's or other forms of dementia could receive supportive services through the ADI program. Eligible applicants can receive up to 30 days of extended respite care, caregiver counseling, support and training, day care, medical supplies and equipment, transportation and nutritional support.
Florida residents over the age of 18, who are diagnosed with a qualifying form of memory impairment, are eligible, regardless of income. However, this is not an entitlement program and there is a waitlist for services. Income and current environment can affect an applicant's waitlist position. Enrollment in the SMMC LTC will make applicants ineligible. For more information, check out our ADI program guide which includes details on how to apply.
Community Care for the Elderly (CCE)
The CCE program is provided to cover Port Saint Lucie residents who require a nursing home level of care but are ineligible for Medicaid. Possible benefits include:
All eligible applicants can receive benefits but must pay a reasonable co-pay. Qualified individuals must be at least 60 years old and be Florida residents who require assistance with Activities of Daily Living due to a functional impairment. For more details, and application information, check out our CCE program guide.
Home Care for the Elderly (HCE)
The HCE program provides assistance to caregivers in the form of necessary medical equipment and financial assistance to help cover care-related expenses. To be eligible for these subsidies, seniors in Port Saint Lucie must show they are Florida residents who are at least 60 years old, are at risk of nursing home placement and meet financial income and asset limits. As of 2019, individuals must not have a monthly income of more than $2,313 and assets below $2,000 in value. Subsidies received by those who qualify can be used toward:
For more details on this program, including how to apply, check out our HCE program page.
|Villa Seton Senior Apartments||(772) 344-6969||The Villa Seton Senior Apartments is subsidized by HUD and offers low-income housing to Port Saint Lucie seniors. The complex offers 49 senior apartments. Applicants must be at least 62 years old and qualify as low-income according to HUD standards.|
|Villa Assumpta||(772) 334-0009||The Villa Assumpta complex offers 99 HUD units to seniors who are low-income and need assistance. The complex includes 16 efficiency apartments and 83 one-bedroom units. Eligible Port Saint Lucie applicants must meet HUD qualifications.|
|St. Vincent De Paul Society||(772) 878-8474||This Port Saint Lucie religious organization offers programs to help with utility and rental assistance when funding is available. Volunteers will also make home visits and a food pantry is located within the organization's thrift store.|