Idaho Assisted Living & Home Care: Costs and Financial Assistance

Introduction:

This webpage is designed to assist residents of Idaho in better understanding the costs associated with home care, adult day care, and assisted living. It also investigates the payment options and financial assistance programs available from the state. Outlined here is inclusive of what is available from Idaho, but not inclusive of what may be available at a national level. To find assistance that best meets your needs, it is important that you also look for assistance at a national level. To do so, please use our Resource Locator Tool.

Did You Know?  As a rare exception from most other states, the costs of nursing care, home care, and assisted living vary little in Idaho no matter where in the state the community lies. 

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Idaho Elder Care Costs for 2018

Assisted Living / Memory Care

In 2018, the statewide assisted living costs for Idaho residents ranged from $1,870 / month to $5,520 / month, and averaged $3,270 / month. Little fluctuation was seen between geographic locations in the state. However, in the areas of Idaho Falls and Boise, the monthly cost of assisting living is slightly under the state average at approximately $3,120. The most costly area of Idaho for assisted living is Lewiston, where the average monthly cost is $4,320. Nursing home care can add as much as $2,570 to the monthly cost of assisted living, while Memory / Alzheimer's care in assisted living adds approximately $1,520 / month.

Home Care

The average hourly rate for home care across Idaho is $20.75. The least expensive areas of the state, which include Lewiston and Coeur d’Alene, offer costs closer to $19.25 / hour. Boise City is also under the statewide average at approximately $20.5 / hour. In the more expensive area of Idaho Falls, the expected average cost can be $21.75 / hour. The hourly cost of home health care, which provides minimal medical care, is in line with home care, though in some areas it may cost approximately $1.75 / hour more.

Adult Day Care

In 2018, the expected daily cost of adult day care services in Idaho was $120. In Boise, it is more expensive, ranging from $117 - $184 / day. The least expensive areas of the state for adult day care are Idaho Falls and Coeur d’Alene, where the average cost is approximately $79 / day.

 

Financial Assistance Programs

Medicaid Assistance Programs for the Elderly

Medicaid is a joint health care program between the state of Idaho and the Federal government. Idaho’s Medicaid state plan will cover the cost of nursing home care for low-income, elderly, and disabled persons. Idaho also offers three Medicaid-based assistance programs in addition to nursing home care.

1) HCBS Aged & Disabled Medicaid Waiver – This waiver pays for services and other support mechanisms in one’s home, an adult foster care home, or assisted living to prevent nursing home placement. Benefits of this program may include adult day care, homemaker services, respite care, home modifications, and many others. More information about benefits and restrictions can be found by clicking the above link.

2) Personal Care Services Program (PCSP) – This self-directed program provides elderly and disabled residents assistance with basic activities related to living at home. These activities might include bathing, meal preparation, housecleaning, and grocery shopping, to name a few. This program is also available to those living in assisted living facilities and foster homes. Find out more by clicking on the above link.

3) Medicare Medicaid Coordinated Plan (MMCP) - MMCP provides coordination of Medicare and Medicare services for “dual eligibles”, meaning individuals who are recipients of both programs. At the time of this writing, MMCP is not available statewide. For more information about this program and to see where it is available, click the above link.

The state of Idaho requires that in order to qualify for Medicaid as an elderly person, one must be a resident at least 65 years of age, (or if under 65, disabled). As of 2018, the income limit is set at $789 / month if one is categorically aged, blind or disabled. To be eligible for a Medicaid Wavier, the monthly income limit is $2,250 for individuals (or $2,270 with a $20 disregard) and $4,500 (or $4,520 with a $20 disregard) for married couples over 65. For those that are categorically aged, blind or disabled, there is also a $2,000 asset limit for individuals and a $3,000 limit for couples. (Couples applying for a Medicaid Waiver are entitled to $2,000 / each in assets). However, some items are considered exempt, such as the primary home (valued up to $858,000) in which the individual resides, household furnishings, personal belongings, and a single vehicle. Medicaid eligibility can be complicated, particularly if one is over the income and  /or asset limits. Persons over these limits may still qualify for Medicaid, but it is strongly suggested one work with a Medicaid planner.

 

State (Non-Medicaid) Assistance Programs

The state of Idaho offers two non-Medicaid assistance programs, both with the objective of keeping disabled and elderly residents of Idaho from having to leave their homes and to move to more costly, residential nursing homes. Click on the programs below to get more information on specific benefits and eligibility guidelines.

1) Senior Services Respite Program – Provides temporary caregiving assistance to relieve primary caregivers. Care may be provided in-home or out-of-home. Waiting lists may apply.

2) Homemaker Services Program - Provides in-home personal support and errand assistance. Examples of benefits include grocery shopping, preparation of meals, housekeeping, and medication management.

 

Other Financial Options for Care

Along with the options available here, there are also other options available that assist in paying for care. These options can encompass non-profit help, federal programs, veterans’ options, tax credits, and many others. Our Resource Locator Tool will take only a few minutes to complete, and provides a comprehensive picture of the assistance options relevant to the person in need of care. For those needing assistance, this is the best way to find the program that is most suitable to their situation. 

 

Finding Affordable Care in Idaho

Although there is not a broad range in pricing within each type of care throughout the state of Idaho, there is still good reason to contact multiple providers and use multiple avenues to find affordable care. Our free service is available for families and individuals to help match unique geographical and pricing needs to providers who fulfill those criteria. For help in locating more affordable care, please click here.