Page Reviewed / Updated - September 2019
This informative page helps seniors and their loved ones gain insight about the costs of senior care in Coeur d’Alene, Idaho, with comparisons to other cities in the state and some areas in neighboring states. This guide also includes information on available financial assistance programs for long-term care, as well as helpful resources on affordable senior housing for more living options.
To learn more about the costs of elderly care throughout the Gem State and for a comprehensive overview of statewide financial assistance programs, read our guide to paying for senior care in Idaho.
The affordability of senior care in Coeur d’Alene depends on the type of living arrangement, based on the Genworth 2018 Cost of Care Survey. Assisted living and home care in the city are relatively costly, while adult day and nursing home care services are considerably affordable when compared to other cities.
For assisted living, Coeur d’Alene costs $275 more than the Idaho average of $3,475 per month, but it’s $250 lower than the U.S. median of $4,000. Home care in Coeur d’Alene is almost $240 more expensive than the state median of $3,813, and also costs nearly $50 more than the national average of $4,004.
Coeur d’Alene’s average nursing home care cost is close to the state average of $7,574 and only about $22 cheaper, but costs approximately $110 more than the U.S. median of $7,441. Seniors considering adult day care in Coeur d’Alene may spend $650 less than the statewide monthly average of $2,600, or $390 more than the nationwide average of $1,560.
In Idaho, Coeur d’Alene has the second highest monthly average cost for assisted living at $3,750, next to Lewiston which is almost $560 more expensive. The cheapest areas for assisted living in Idaho are Idaho Falls at $3,213 and Pocatello at $3,350, saving seniors about $400 to $540 when compared to Coeur d’Alene. Boise is also less expensive at $3,500, costing less than Coeur d’Alene by $250.
Seniors considering areas in neighboring states may opt for Logan, Utah, where the average assisted living cost is $2,950, cheaper by $800 than Coeur d’Alene. Spokane, Washington, is nearer to Coeur d’Alene, but assisted living in the area is $250 more expensive at $4,000 per month.
With an average monthly cost of $4,052, Coeur d’Alene is one of the most expensive areas in Idaho for in-home care, only second to Pocatello which costs $810 more. The rest of the state is more affordable, including Boise City at $3,813, which is on par with the Idaho average. Seniors pay the least cost for home care in Idaho Falls with a monthly average of $3,623, which is almost $430 cheaper than in Coeur d’Alene.
For affordable options in neighboring areas outside Idaho, the average home care cost in Logan, Utah, is $3,909, which is about $140 less costly than Coeur d’Alene. Seniors considering nearby Spokane, Washington, may expect to pay nearly $1,050 more than the cost of home care in Coeur d’Alene.
Coeur d’Alene is the most affordable area for adult day care in Idaho, with a monthly average cost of $1,950. Boise is the most expensive area at $2,600, on par with the state median and more costly than adult day care in Coeur d’Alene by $650. Pocatello’s average adult day care cost is $2,546, almost $600 more expensive than in Coeur d’Alene.
Spokane, Washington, is the nearest area from Coeur d’Alene that has cheaper adult day care costs, averaging $1,300 per month. Walla Walla is another area in Washington with the same average cost as Spokane, saving seniors $650 when compared to Coeur d’Alene. Another affordable area for adult day care outside Idaho is Ogden, Utah, with an average monthly cost of $1,289.
Nursing home care in Coeur d’Alene is midrange at $7,552 per month, slightly lower than the Idaho average. It’s more expensive by almost $740 than in Lewiston at $6,813, the cheapest area in the state. Pocatello is another affordable area for nursing home care at $6,996 per month, cheaper than Coeur d’Alene by nearly $560.
The most expensive area for nursing home care in Idaho is Boise at $8,121, $570 more than Coeur d’Alene. Idaho Falls is also relatively costly at $7,665, about $110 more than in Coeur d’Alene.
Most of the other areas in Idaho’s neighboring states are more expensive than Coeur d’Alene when it comes to nursing home care. These areas include Spokane, Washington, at $8,836 and Missoula, Montana, at $8,821, which are significantly higher than Coeur d’Alene by approximately $1,280 and $1,270, respectively. The cheapest option for nursing home care outside Idaho is Logan, Utah, at $5,855, saving seniors almost $1,700 when compared to Coeur d’Alene.
Medicaid in Idaho has several specialized programs to cover the cost of healthcare and long-term care services for low-income Coeur d'Alene seniors. The Idaho Medicaid State Plan provides benefit options that include all the mandatory basic benefits under the Standard Plan, and those under one of three Alternative Benefit Plans (ABPs) to fit the needs of different individuals. Two of these ABPs apply to seniors in need of long-term care — the Enhanced Plan and the Medicare-Medicaid Coordinated Plan (MMCP).
The Enhanced Plan entitles qualified elderly Medicaid beneficiaries in Coeur d’Alene to all Standard Plan benefits, plus applicable Home and Community-Based Services (HCBS) waivers, Personal Care Services (PCS) for 16 hours a week, as well as nursing home placement if the applicant is eligible for institutional care. The Medicare-Medicaid Coordinated Plan also includes the same benefits from the Enhanced Plan, and is suitable for dual-eligible seniors who are enrolled under Medicaid and Medicare. Read more about MMCP here.
Low-income seniors in Coeur d'Alene who are 65 or older are also entitled to health care services, cash assistance, and other benefits under the Aid to the Aged, Blind, and Disabled (AABD) Medicaid program if they meet certain eligibility requirements. As of January 2019, the monthly income limit for individual elderly applicants is $824, and $1,177 for senior couples, while the countable resources should be no more than $2,000 for individuals and $3,000 for married couples.
Below are the following ways for seniors to apply for Medicaid programs in Coeur d’Alene:
Online application via idalink portal
Printable application form (English/Spanish) for submission via one of the following methods:
Visit the local Idaho Department of Health and Welfare office
(Region 1 - Northern Idaho):
1120 Ironwood Building, 1120 Ironwood Drive,
Coeur d’Alene, ID 83814
Apply by phone at (877) 456-1233
Aged and Disabled Waiver
The Aged and Disabled Waiver is part of the Medicaid program. It allows Coeur d'Alene seniors 65 or older who are qualified for institutional care to receive personal care services in their homes or in community-based residential settings, instead of in skilled nursing facilities. To find out more about the covered services and information on eligibility and application for this waiver, read our guide here.
Idaho Home Choice
Idaho Home Choice is the Money Follows the Person (MFP) Rebalancing Demonstration grant that supports Idahoans in Coeur d’Alene who are transitioning from skilled nursing and institutional care facilities to their private homes and other community-based residential settings. This program allows seniors to continue receiving long-term care services under applicable Medicaid waiver programs.
Idaho Commission on Aging Assistance Programs
To help Coeur d’Alene seniors live well in their homes the Idaho Commission on Aging offers supportive services in cooperation with the local Area Agency on Aging and partner providers.
The Lifespan Respite Program supports caregivers by providing temporary or short-term companionship and personal care services to their qualified recipients, while the Homemaker Services Program assists seniors in doing errands, simple household tasks, and other daily activities.Seniors and caregivers in Coeur d’Alene may contact the Area Agency on Aging of North Idaho at (208) 667-3179 or (800) 786-5536 to apply for these programs. For further information, see our Respite and Homemaker program guides.
|Idaho Housing and Finance Association||(208) 762-5113||The Coeur d’Alene branch of Idaho Housing and Finance Association administers the Section 8 Housing Choice Voucher program to provide rental assistance to low-income seniors on a waiting list basis. It also offers down payment and closing cost assistance, mortgage refinancing and tax credit certificates to eligible homeowners.|
|Coeur d’Alene Tribal Housing Authority||(208) 686-1800||The Coeur d’Alene Tribal Housing Authority (CDTHA) provides affordable housing and other related forms of assistance to Coeur d’Alene Tribe members. These CDTHA projects and services include low-rent living arrangements for eligible tribal elders.|
|Property Tax Reduction (Circuit Breaker) Program||(208) 446-1500||Circuit Breaker is the Property Tax Reduction program of the Idaho Tax Commission which entitles low-income homeowners who are 65 or older to property tax reductions of up to $1,320. Senior homeowners in Coeur d’Alene may contact the Kootenai County Assessor’s office for further information.|
|Community Action Partnership Weatherization Assistance Program||(208) 664-8757||The Weatherization Assistance Program of Kootenai County performs free heating efficiency, conduction, infiltration, and health and safety improvements, as well as incidental property repairs, to help low-income senior residents in Coeur d’Alene save heating and cooling costs and stay safe in their homes.|
|ElderHelp of North Idaho||(208) 661-8870||ElderHelp of North Idaho offers community volunteer services to seniors in Kootenai County. This non-profit organization helps elderly Coeur d’Alene residents live safely by providing minor home repair, weatherization, snow removal, and yard maintenance services, as well as safety installations such as grab bars and handrails.|