Page Reviewed / Updated - Jun. 2016
This webpage will help Georgia state residents understand local assisted living, home care, and adult day care costs. It also explores various payment options and financial assistance programs available to assist in caring for the elderly in Georgia, be that in residential care or for aging in place at home.
The programs outlined here are comprehensive of what is available from the state of Georgia, but not comprehensive of what is available at a national level. It is important to research all of the options available to you. In order to search for assistance nationwide, please use our Resource Locator Tool.
Cost of Care Calculator
In Georgia, the average cost of assisted living on a monthly basis in 2016 is approximately $2,850. This is approximately 20% lower than the national average of $3,628 per month. Even still, cost saving can be achieved by identifying areas within the state where it is less expensive. These areas include Albany, Dalton, and Warner Robins where the monthly cost ranges from $2,000 - $2,600. The highest monthly cost for assisted living is found in Brunswick, Gainesville, and Rome where prices are between $3,500 and $4,000 / month.
Unfortunately, Alzheimer's care or memory care in an assisted living community is more costly. This is likely due to the higher level of supervision required to prevent wandering and self-injury. While this data is not available at the local level in Georgia, it is our estimate that Alzheimer's care increases the monthly cost between $800 - $1,000.
The average hourly rate in 2016 for home care in Georgia is $18, which is $2 below the national average and nowhere near the dramatic difference found for assisted living. Savannah, Gainesville, and the Roma area have the highest hourly rates, at approximately $18.50 - $20 /hour, though less expensive providers can still be found in those regions. Columbus, Albany, Valdosta, Dalton, Macon, Atlanta, Augusta, and Warner Robins all have average hourly costs several dollars below the state average. Home health care is another great option for seniors who need minimal medical assistance and costs approximately $1 / hour more than home care.
The average daily cost of adult day care in Georgia is almost ten dollars below the national average. In 2016, the daily rate statewide is $60. There are even lower rates available locally in the regions of Albany, Hinesville, and Valdosta. In the first two regions care, can be found for as low as $40 / day. Unfortunately in many of the rural areas of the state, there is no adult day care available.
Medicaid is a program designed to assist low-income families in affording the cost of medical care. Long-term care is available through Medicaid and is intended to help the elderly and disabled with permanent, chronic, or progressive conditions. As with other states, Medicaid in Georgia will cover the costs associated with living in a nursing facility, as well as limited personal care assistance.
There are currently two waivers in Georgia that enable elderly residents who might otherwise require nursing home care to receive a similar level of care, but remain living at home or in an alternative living community, such as an assisted living residence. These are the CCSP and SOURCE Waivers. CCSP is short for Community Care Services Program. Under this waiver, participants can receive a variety of medical and non-medical supports that help them remain independent. This program allows for self-direction of personal care services, meaning individuals can choose their care provider. Learn more here.
SOURCE is an acronym for Service Options Using Resources in a Community Environment. The SOURCE waiver provides a higher level of medical attention, but less services in support of independent living. Via this wavier, benefits include skilled nursing services and 24-hour medical access. Note that while SOURCE is now available statewide, the income limit for participation in this program is much lower than for CCSP. Details available here.
In Georgia in 2016, Long Term Care Medicaid considers the applicant's financial status in addition to their functional need. The monthly income limit for a single applicant is limited to $2,199. The value of their financial assets, excluding their vehicle and their home, cannot be greater than $2,000.
Married applicants have similar requirements except in the case where one spouse is applying and the other is not. In this situation, there are two rules created to enable the non-applicant spouse to afford to continue living independently: the Minimum Monthly Maintenance Needs Allowance and the Community Spouse Resource Allowance.
Individuals whose resources are over Medicaid's published limits, as well as married couples, should consult with a professional Medicaid planner prior to application to ensure the best possibility of acceptance in the program and to ensure the healthy or non-applicant spouse has adequate resources to afford their cost of living.
It’s important to note that eligibility requirements for Medicaid and Medicaid waivers may differ.
The State of Georgia currently does not provide direct (or cash) financial assistance to individuals in need of care, but several programs are offered which can reduce the recipients' cost of care or their need for care. This effectively serves as financial assistance in that these individuals can re-allocate the money they would have otherwise spent toward paying for care. To avoid confusion, it is worth noting that these programs are referred to as Home and Community Based Services or HCBS and are administered through local Area Agencies on Aging. In many states, HCBS refers to a Medicaid Waiver program, but in Georgia, it is the opposite. HCBS refers to the state's non-Medicaid assistance.
Services provided under HCBS that can reduce costs include congregate meals, home delivered meals, respite care, homemaker services (assistance with light household tasks), and sometimes personal care and personal emergency response (PER) services. Learn more.
Statewide, two programs exist that can also reduce the cost of care; GeorgiaCares and LIHEAP. GeorgiaCares helps residents reduce their cost of prescription drugs by assisting them in understanding their Medicare benefits, as well as to navigate the confusing world of prescription drug assistance programs. LIHEAP, also called the Low Income Home Energy Assistance program, helps low-income residents, especially the aging, with their energy costs for heating and cooling their homes. Regular and emergency benefits are available via this program.
In addition to the state specific options that help pay for care, there are many non-profit and federal options. Use our Resource Locator Tool to find other programs that help pay for or reduce the cost of care. There are also programs that help veterans with assisted living and there are eldercare loans available in Georgia.
There is a great deal of variance in the cost of care in Georgia, even for the same type of care in the same geographic region. Families might reduce their care costs by 20% - 30% by choosing a more affordable care provider. To save families the effort of having to contact many different providers to locate the one most appropriate for their needs and budget, we have partnered with an organization that does this at no charge to the consumer. Get assistance finding affordable care in your area.