Page Reviewed / Updated - July 2019
This guide covers the average cost of senior care in Spring Hill with comparisons to other areas of Florida. State and federal programs that help low-income seniors pay for long-term care and in-home services are also explained, as well as an overview of affordable and subsidized housing available nearby. Read more about paying for senior care in Florida in our statewide guide.
The average cost of assisted living in Spring Hill is around $600 a month higher than the Florida average, although most other types of care are priced similarly to the state average. According to the Genworth 2018 Cost of Care Survey, in-home care is just $60 more expensive in Spring Hill, and nursing care is around $350 a month higher than the Florida averages.
Note: Data on the average cost of senior care wasn't available for Spring Hill, so the data for the closest city, Homosassa Springs, was used.
With an average cost of $4,125 a month, assisted living is the only level of care that is relatively expensive in Spring Hill compared to the state average of $3,500. In nearby Lakeland, the cost is substantially lower at $2,808 a month, which is the cheapest in Florida.
Tampa is the most affordable major city with an average cost of $3,250 a month. The most expensive areas of the state are The Villages, with a monthly average of $5,031, and Naples at $5,448.
In-home care in Spring Hill has an average cost of $3,861 a month, which is similar to the state overall. This makes the area one of the most expensive in Florida for this level of care, although the difference in price is often negligible.
The lowest price for in-home care can be found in Sebring with an average cost of $3,051 a month. Lakeland and The Villages are also cheaper than Spring Hill with monthly costs of $3,337 and $3,527, respectively. The most expensive area in the state is Naples at $4,195 a month.
The average cost of adult day care was not available from the results of this study; however, in nearby Tampa the average monthly cost is $1,907 which is the highest in Florida. The state average is $1,463 a month.
Other nearby areas, such as Lakeland and The Villages, are priced at $1,365 and $1,625 a month, respectively. Orlando has the most affordable adult day care in Florida with an average monthly cost of $1,300.
Nursing home care in Spring Hill is relatively affordable with an average cost of $7,802 a month – approximately $350 less than the Florida average. Nearby areas such as The Villages and Lakeland are more expensive with average monthly costs of $8,076 and $8,304, respectively. The cost in Tampa is around $500 a month higher than Spring Hill.
The most affordable nursing home care in Florida is in Sebring with an average of $7,148 a month, and Orlando is the cheapest major city at $8,106. Naples has the highest price in the state with an average of $10,319 a month.
Medicaid is funded by the federal and state governments to provide low-income residents with medical services and some long-term care options. Seniors and the blind or disabled in Florida are placed in the Statewide Medicaid Managed Care program.
The SMMC was created in 2014 to group the various Medicaid waivers for in-home and community care options that had been available separately before that time. The goal of this program is to delay the need for institutionalized care by providing services in the home, assisted living or other alternatives to nursing facilities.
Services available under the SMMC are split into three parts.
Florida Medicaid eligibility requirements:
Seniors applying for the Long-Term Care part of the SMMC must also be assessed as requiring a nursing facility level of care; however, assisted living and in-home care may still be covered if it is determined to be appropriate.
Anyone receiving Supplemental Security Income payments from the federal government automatically qualifies for full Medicaid coverage. In Florida, this is often called SSI-Related Medicaid. Contact the Social Security Administration to arrange coverage – applying for Medicaid is not necessary for SSI recipients unless requesting nursing care.
Medicaid assistance to pay for a nursing home, adult day care and some in-home services is an entitlement in Florida, so there is no waiting list for qualified applicants. Assisted living is an entitlement only if the individual is approved for the Long-Term Care part of the SMMC.
Apply for Medicaid and SMMC plans online using the ACCESS Florida system. Call the Department of Children and Families customer line during business hours on (866) 762-2237.
Read more about the benefits and requirements in our Florida SMMC guide.
Optional State Supplementation (OSS)
Florida's Department of Children and Families offers residents a monthly payment from state funds in addition to the Supplemental Security Income they receive from the U.S. government.
This small monthly payment is the Optional State Supplement and it is intended to help pay for room and board costs in licensed residential care facilities, such as assisted living, adult foster care and mental health facilities.
OSS eligibility requirements for assets are the same as for Medicaid, although the maximum allowable income is much lower. Individuals must be at or below $2,000 in countable assets ($3,000 for eligible couples). The maximum income allowed as of 2019 is $849 ($1,698 for eligible couples). The maximum monthly OSS payment is $78 ($156 for eligible couples).
Individuals who are receiving assistance from Medicaid related to assisted living are not eligible to receive OSS.
Apply for the Optional State Supplement using the ACCESS Florida system. The Florida DCF helpline can be reached on (866) 762-2237 during business hours.
Read more about this program in our Florida OSS guide.
Respite for Elders Living in Everyday Families (RELIEF)
Florida's Department of Elder Affairs manages the RELIEF program which provides respite care to families caring for seniors and those with memory-related disorders.
The goal of this program is to relieve family caregivers of their duties for up to four hours so that they can take a break. This temporary respite is available for any reason, such as a night out with friends or a shopping trip.
Apply for the RELIEF program by contacting an Aging Resource Center. Residents of Spring Hill should contact Elder Options, which manages this and other programs for seniors in Hernando County. Call the Elder Helpline at (800) 963-5337 for information and assistance.
Read more about this respite program in our Florida RELIEF guide.
Home Care for the Elderly (HCE)
This program is designed to help seniors stay in their own home or that of a caregiver by providing a higher level of in-home care to qualified individuals. Home Care for the Elderly is similar to other programs such as Community Care for the Elderly; however, HCE is available for some Medicaid recipients while CCE is not.
Services available from this program include general support and maintenance of the individual (food, clothing and some medical services), medication and supplies, assistive devices and accessibility modifications, home health aides and nurses, as well as case management when required.
Applicants must be aged 60+ and meet the income and asset requirements for Medicaid as detailed in this guide. It must also be determined that the individual would be forced to enter nursing home care if HCE services were not provided and that they have a caregiver living with them. This caregiver can be a family member.
Apply for Home Care for the Elderly by contacting the Elder Options ARC which is partnered with the Department of Elder Affairs to manage the program in Spring Hill and Hernando County. Information and assistance is available by calling the Elder Helpline on (800) 963-5337.
Read more about the requirements and services provided in our Florida HCE guide.
Community Care for the Elderly (CCE)
CCE is a program managed by the Department of Elder Affairs that allows seniors to remain in their own home or that of a caregiver. This helps the state save money on expensive nursing facility costs and provides more options that can delay the need for institutionalized care.
Services available from the CCE program include adult day care, homemakers and home health aides, companionship and personal care, meal delivery, transport and shopping assistance, as well as respite for caregivers.
Individuals must be aged 60+ and assessed as having a functional impairment. This program can't be used alongside Medicaid; if the individual qualifies for Medicaid, they will not qualify for the CCE program.
Apply for the CCE program by contacting a local Aging Resource Center. The ARC managing this program in Spring Hill and all of Hernando County is Elder Options. Call the Elder Helpline on (800) 963-5337 to request an assessment.
Read more about the benefits and requirements of this program in our Florida CCE guide.
Alzheimer's Disease Initiative (ADI)
Seniors and their family members in Spring Hill can receive services to help manage Alzheimer's and other memory-related disorders from the Alzheimer's Disease Initiative.
Services available from the ADI include respite services in the home or adult day care, as well as emergency and extended respite for a maximum of 30 days at a time.
Caregivers can receive training on how to deal with memory-related disorders, as well as access to counseling and support groups.
Individuals who are on a Medicaid Long-Term Care plan are not eligible for this program.
Apply for the Alzheimer's Disease Initiative by contacting Elder Options, which is the local authority for Spring Hill and Hernando County that is partnered with Florida's Department of Elder Affairs. The Elder Helpline is available at no cost to answer questions and get the process started – call (800) 963-5337.
Read more about this program and the benefits it provides in our Florida ADI guide.
|Hernando County Housing Authority||(352) 754-4160||The HCHA manages the Section 8 (Housing Choice Voucher) program in the county. Section 8 is a federal program that helps low-income individuals pay for their rent in the private housing market. The waiting list for Hernando County is closed as of 2019.|
|Madison Reserve Apartments||(352) 688-2224||This community is next to Spring Hill Regional Hospital and has 90 units with one or two bedrooms for low-income seniors (55+). It is a participant in the Low-Income Housing Tax Credit (LIHTC) program, which limits the monthly rent paid by occupants based on income. Appliances and utilities are included in the cost.|
|Portillo Apartments||(352) 684-4138||This development on Portillo Road in Spring Hill has 24 units with one or two bedrooms. It is designed for low-income individuals as part of the LIHTC program.|
|Vista Grand Apartments||(352) 556-0012||Located a short distance from Madison Reserve, this apartment complex has another 90 units with one or two bedrooms and is for low-income seniors (55+). It is a participant in the LIHTC program.|
|Nantucket Cove Apartments||(855) 699-4834||This is a public housing community containing apartments with up to four bedrooms. Rent is subsidized by the federal government (HUD), with the payable amount based on the income and family size of the applicant.|