Financial Assistance, Costs and Payment Options for Eldercare in Maryland

This page is designed to aid Maryland residents in understanding the costs associated with elderly care throughout the state. The cost of assisted living, in-home care, and adult day care in different regions of the state is explored. Various payment options, as well as programs that offer financial or care assistance, whether it be residential or in the home, are also explored.

The compiled list of programs found on this page is comprehensive of what the state of Maryland has to offer for assistance with elderly care. However, additional programs are available at the national level and are not included here. When researching your options, it is important to consider all avenues of assistance. To assist in your search of finding elderly care that most appropriately fits your care needs and situation, make sure to use our Resource Locator Tool.

Maryland Elder Care Costs

Assisted Living / Memory Care

In Maryland, in 2017, the average cost of assisted living per month is $3,800, with average monthly rates ranging from $1,800 / month to $9,000 / month. This is a quite a range of cost, ranging from $21,600 to $108,000 annually. However, one can make cost saving efforts by relocating to an area of the state where the cost of assisted living is more reasonable. The most inexpensive assisted living can be found in the area of Baltimore, Hagerstown, and Cumberland, where the average monthly rate is between $3,420 and $4,010. Salisbury has an average monthly cost approximately 15% higher than the statewide average at $4,300. However, the most expensive average cost of assisted living is found in California and Frederick, where the monthly cost averages between $5,300 and $5,848. Alzheimer’s Care, also called Memory Care, costs an additional $1,050 / month, on average, due to the increased need for care and higher level of security. 

Home Care

The average hourly rate for non-medical home care in Maryland in 2017 is $20.50. Like the cost of assisted living, there is quite a large range of cost across the state. On the low end, home care can be as inexpensive as $9.50 / hour, and on the high end, as high as $26.50 / hour. The least expensive area for home care is in Hagerstown, where $15.50 / hour is the average cost. Frederick has the most expensive average cost of care at $21.50 / hour. Home health care, which offers some medical care, provided by health care professionals, costs roughly $1.50 - $2.50 more an hour. 

Adult Day Care

Adult day care runs Maryland residents $80 / day on average in 2017. The average daily rate for day care remains pretty consistent throughout the state, with a range from $78 - $84 / day. The most affordable care can be found in Salisbury and Frederick, where the average daily cost is $78. Hagerstown is slightly more expensive at a daily average of $80. The most costly day care is found around Cumberland, where the average rate is $84 / day.    




Maryland Financial Assistance Programs

Medicaid Assistance Programs for the Elderly

Medicaid, also called Medical Assistance, or MA, in the state of Maryland, will cover the cost of nursing home care for low-income seniors and disabled individuals, as well as some in-home personal care. In addition to the state plan, Medicaid also offers Home and Community Based Services (HCBS) Waivers, which cover long-term care for elderly, frail individuals in their homes and / or communities. This is intended to prevent and delay unnecessary nursing home placements, saving the state money, while also allowing the elderly to age in place. As of 2017, Maryland has five HCBS Waivers or programs that are relevant to seniors.

1) The Community Options Waiver allows eligible applicants who need a nursing home level of care to receive benefits in their home or an assisted living community. This waiver, which was previously known as the Waiver for Older Adults, provides a variety of assistance, including personal care, meal delivery, home and vehicle modifications, and adult medical day care, among others. To learn more about this wavier and the eligibility requirements, click here.

2) The Community Pathway’s Medicaid Waiver provides supports to individuals that have a physical disability that is chronic. This is relevant to seniors, as physical disabilities can be related to aging. Through this waiver, care services may be self-directed, meaning the eligible applicant can hire the caregiver of their choosing, including select family members. Other benefits include home modifications, homemaker services, adult day care, and respite care. Click here for more details.

3) The Community Personal Assistance Services program requires that individuals require a hands-on level of assistance with daily living activities. Assistance with activities, such as bathing and grooming, nurse monitoring, and support planning, is available via this program, allowing seniors to remain living in their home or community. For more information, click here

4) The Community First Choice (CFC) program provides care services for the elderly in their homes, assisted living facilities, and in adult day care. Benefits include assistance with activities of daily living, such as mobility, toiletry, and dressing, and instrumental activities of daily living, like preparing meals and light housecleaning. Eligible applicants may choose the caregiver of their choice, including some family members. Other benefits include personal emergency response systems, assistive technology, mental health services, and financial assistance to transition from a nursing home back into the community. Unlike most waivers, there is no cap on enrollment.  To see eligibility requirements, click here.

5) The Medical Day Care Services program provides daytime supervision and care supports for those who are at risk of nursing home placement. Personal care, nursing services, rehabilitation therapy, and social activities are all benefits. This program also allows fulltime caregivers a break from their caregiving duties. For more information about this waiver, click here

While eligibility requirements for Medicaid and Medicaid Waivers may vary a bit, senior residents of Maryland must meet functional criteria, as well as income and asset criteria. As of 2017, one must not have a monthly income in excess of $2,205. This amount is equivalent to 300% of the Federal Benefit Rate. The asset limit is set at $2,500, though certain assets, such as personal belongings and an individual’s home are generally considered exempt. It’s important to note, the income and asset limits are different for married couples with a single applicant.

Those who are over the income and asset limits may still qualify for Medicaid. Medicaid eligibility can be complicated. For the best chance of acceptance into the Medicaid program, contact a professional Medicaid planner for assistance.


State (Non-Medicaid) Assistance Programs

Currently, the state of Maryland offers eight non-Medicaid assistance programs. All of these programs are intended to assist low-income, disabled and elderly individuals in living independently, preventing them from having to relocate to more costly nursing homes.

1) The Senior Care Services program provides a variety of supports, including adult day care, personal care, transportation assistance, chore services, medications, and respite care. For eligibility guidelines, click here.

2) The Assisted Living Subsidy program provides financial assistance to aid in covering the cost of assisted living. To learn more, click here.

3) The Congregate Housing Services (CHSP) Program provides financial assistance to help with the cost of living in a congregate or group home. In general, services provided in congregate homes include some personal assistance, homemaker services, meals, and monitoring of medications. For additional information, click here

4) Through the In-Home Aide Services (IHAS) program, seniors and disabled individuals are provided a home health aide in order to continue to safely live at home. Assistance includes personal care, household tasks, transportation, and shopping. Learn more here

5) The Senior Prescription Drug Assistance Program, also called the SPDAP Subsidy, provides financial assistance in covering the cost of prescription medications. For eligibility information, click here

6) The Accessible Homes for Seniors program offers a deferred payment loan of 30 years to assist seniors in making home modifications, enabling them to remain living independently in their homes. Home improvements vary, but may include installation of ramps, railings, and grab bars. Learn more about eligibility requirements here.

7) Project Home allows elderly individuals to continue living in the community by living in an adult foster care home. Via this program, room and board is provided, as well as supervision, medication monitoring, and personal care assistance. For additional information, click here

8) The Attendant Care Program (ACP) assists with the cost of personal care services to allow severely physically disabled adults up to the age of 64 to continue to live at home. Benefits may include personal care assistance, transportation, and household chores. To learn more, click here.


Other Financial Options for Care

In addition to the financial options and programs for care available from the state of Maryland, there are additional programs available on a national level. In order to easily locate the various non-profit and federal options available for assistance, as well as the one most suitable for you, please make sure to use our Resource Locator Tool.  There are also programs that help veterans with assisted living and there are eldercare loans available in Maryland.


Finding Affordable Care

Our organization has teamed up with other organizations to assist in matching specific care needs with appropriate care providers. This includes finding providers in the appropriate price range and geographic location. With such a wide range of cost when it comes to elderly care in Maryland, this service is extremely helpful. This service is provided at no charge, and allows individuals to check multiple locations. Click here to get started.