Page Reviewed / Updated - Jan. 2019This guide is intended to help Florida seniors and their loved ones understand the various senior care costs in Tampa and throughout the state, including the cost of assisted living, home care and adult day care. This guide also explores financial assistance programs available throughout Tampa to assist those paying for senior care. Additional resources, such as volunteer services or organizations that provide extra help to seniors, are referenced at the bottom of this article. Please refer to the information in our guide on paying for senior care in the state of Florida for a broader overview of senior care throughout the state.
At $3,250 a month, Tampa's monthly assisted living costs are one of the city's more economical senior care options. Responses to the Genworth survey suggest that though these costs are lower than the state median. Nearby Lakeland has significantly more affordable assisted living costs, with monthly prices around $2,808. On the other end of the spectrum are cities such as Naples, with costs exceeding $5,000 monthly.
Home care costs in Tampa average $3,718 per month, falling in the middle of the Florida median for large metropolitan areas. The cheapest cities surveyed include Lakeland and Miami, whereas nearby Orlando or Punta Gorda are above the $4,000 per month mark. Seniors who choose home care services in Tampa will pay around $100 less than the median statewide.
The monthly cost of nursing home care in Tampa is $8,319 on average, only two percent higher than the state's median. Most cities throughout the state fall near this price point, with the lowest average cost of nursing home care found in Jacksonville at $7,118 per month. Another inexpensive area for nursing home care is Tallahassee, which costs only $700 more than Jacksonville.
The Naples region, however, is the most expensive metropolitan area assessed for nursing care costs. Seniors there will pay $2,000 more per month for nursing home care than in Tampa.
Florida's Medicaid program, Statewide Medicaid Managed Care program (SMMC), is available to any qualifying senior throughout the state. This program is split into three plans: Managed Medical Assistance (MMA) Program, Long-term Care (LTC) Program and Dental Program.
Seniors who are eligible for the SMMC program must enroll in at least one plan, but may choose all three if desired. To be eligible for these Medicaid services, an applicant must meet the following requirements:
All seniors living in a nursing home in Tampa who apply and meet the above-listed requirements can receive Medicaid assistance from the SMMC program. Due to limited funding, those who reside in an assisted living facility or at home might be placed on a waitlist.
The application for the SMMC program is done through the local Area Agency on Aging (AAA). There are 11 throughout the state; the closest one to Tampa is the Senior Connection Center.
Seniors can also request a screening for home and community-based services by calling the Elder Helpline at (800) 262-2243. The screening consists of an interview to examine the applicant's demographic information, income and assets to determine a senior's need for Medicaid services. For more detailed information, including financial requirements and application process, see our SMMC guide.
Alzheimer's Disease Initiative (ADI)
The ADI program provides support to Tampa's community of seniors with Alzheimer's, dementia or any other related memory disorder and their caretakers through three types of assistance:
Seniors with all financial backgrounds can apply for this program, as there are no income requirements. However, income does factor into an applicant's placement on the waitlist for the ADI initiative. Visit our ADI guide for additional information about this program and to learn more about the various benefits available.Community Care for the Elderly (CCE)
The CCE program allows seniors who are at risk for nursing home placement but do not qualify for Medicaid to be given various benefits and services. Types of aid might include any of the following benefits, but many more are available:
These services allow seniors who require medical and personal care to continue living in their own home or community.
Applicants for the CCE program must be at least 60 years old and require assistance with Activities of Daily Living (based on an initial and annual assessment). Even though there is no income limit set, qualifying seniors are required to pay a co-pay for services. Applications are processed through the Senior Connection Center. More information can be found in our CCE guide.
Home Care for the Elderly (HCE)
The statewide HCE program offers two types of payments to help caretakers provide for low-income seniors. These payments exist to support family-type living arrangements inside private homes for residents of Tampa who are aged 60 or older. The two subsidies vary slightly:
Requirements for the HCE program include meeting the financial requirements, being deemed at risk for nursing home placement and maintaining a live-in adult caretaker. This caretaker must be able to provide for the senior in addition to being able to make extra care arrangements.
Seniors might wish to be aware that this a limited-enrollment program, so not everyone who applies will have immediate access to funding. Qualified seniors might be put on a waitlist until an opening in the program arises.
Citizens can apply for the program at the local AAA. Additional information about this program can be accessed at the HCE guide.
Optional State Supplementation (OSS)
The Florida OSS program is run through the Florida Department of Children and Families and offers financial aid to seniors through monthly payments that can be used to help pay for room and board. Requirements for this program include being aged 65 or older and proving the need for residential care. This means proving the need for care in an assisted living facility, adult family care home or a mental health treatment center. Additionally, seniors must meet the financial limits (with additional requirements for assets):
The amount of each OSS payment varies based on the senior’s income and the current OSS standard cost of care in the facility where the senior resides. Payments are made directly to the senior upon acceptance to the program. However, individuals who receive these subsidies cannot receive Medicaid assistance at the same time.
Interested seniors can apply at the local Department of Children and Families office, Adult Protective Services office or online. Refer to our OSS guide for additional help.
Free, in-home elderly care is provided in Tampa through Florida's RELIEF program. A multigenerational volunteer corps provide aid to full-time caretakers. Each volunteer is carefully paired with a senior who has similar interests and skills.
Requirements vary for this program and are determined by the local AAA. Contact Tampa's local office, Senior Connection Center, to learn more about the application process and eligibility requirements. Refer to our RELIEF guide for more information.
The Sunshine Line Door-to-Door Transportation program offers seniors in Tampa transportation for medical appointments, grocery trips and more for free or a small charge (determined by a sliding scale). Seniors' eligibility for the program is based on income, age, and disabilities.
(813) 272-5220 or
The Emergency Home Energy Assistance Program (EHEAP) program helps seniors pay for home energy bills. This federally-funded program aids low-income households where at least one person is over 60 years of age and the total income does not exceed 150 percent of the Federal Poverty Guidelines. For more information, seniors can contact either the Lee Davis Community Resource Center or the West Tampa Community Resource Center.
Seniors in Tampa can receive meals free of charge through either the Weekday Lunch program or the Home-Delivered Meal program. The Weekday Lunch program allows senior citizens to eat hot noon meals in a group setting at one of the county's various nutrition centers. The Home-Delivered Meal program offers nutritious meals to seniors who are unable to attend the Weekday Lunch program because they cannot leave their homes due to various disabilities, sickness or frailty. Tampa citizens must be aged 60 or older to participate.