Page Reviewed / Updated - Jan. 2019
This guide covers the expense of senior care in Detroit, briefly describes financial assistance programs that are available to seniors in the area, and includes resource listings to income-based apartments for seniors. Our Michigan guide offers more extensive data about expenses and money related help available to older adults in the rest of the state.
In Detroit, senior care is relatively affordable compared to other major cities in Michigan. According to the Genworth 2018 Cost of Care Survey, the average monthly cost of adult day care is especially affordable, having the second lowest average in the state.
Assisted living in Detroit costs an average of $4,224 a month, which is slightly higher than the median cost for Michigan as a whole. Jackson averages $371 less a month, while Saginaw can be even cheaper, coming in at only $2,825 a month. The two other major cities in the state average between $4,200 and $5,050 a month.
The cost of home care in Detroit averages $4,433 a month, assuming 44 hours of care per week at an average cost per hour of $23.25. That’s about $240 higher than the state average of $4,195.
Compared to other major cities in the state, Detroit is more affordable than Ann Arbor, which averages about $290 more a month, while Grand Rapids is less expensive than Detroit with a monthly average of $143 less. Some of the least expensive average costs for home care in the state is in Flint at $3,813 a month.
Adult day health care costs an average of $1,517 a month, which is $216 cheaper than the state average of $1,733. This is the least expensive monthly average among the larger cities in the state. Grand Rapids and Ann Arbor average between $2,058 and $2,773 a month.
Both the state and federal government fund Michigan’s Medicaid program, and the Michigan Department of Health and Human Services (MDHHS) determines eligibility. Seniors who receive Supplemental Security Income (SSI) are automatically eligible for Medicaid and can bypass the application.
While Medicaid directly pays for nursing home care, in order to receive financial assistance for long-term care provided at home or in an assisted living facility, seniors must apply for Medicaid waivers. Unlike Medicaid, waivers are not an entitlement, so once the cap is met for that waiver, there will be a waiting list.
Those who don’t receive SSI and would like to apply for regular Medicaid for the aged, blind, and disabled must meet these income and asset requirements: Single applicants can not have a monthly income that exceeds $1,012, and the income limit for married applicants is $1,372. Assets for both single and married must be $2,000 or less.
Detroit seniors interested in applying for Medicaid need to call the Wayne county MDHHS office at (313) 456-1000.
This Medicaid waiver program, administered by the MDHHS, allows older adults to hire their own caregivers who will be paid by the MDHHS through CHAMPS. Caregivers can be a family member (except for a parent or spouse) or friend. Applicants must require assistance with at least one essential Activity of Daily Living. Click here for further information about Home Help services.
Eligible older adults who reside in the city of Detroit and are at risk of being placed in a nursing home but would rather remain in their home or community (e.g. assisted living, home for the aged, or adult foster home) can apply for the MI Choice Waiver. The waiver covers services such as community transition, preventative nursing, respite, adult day care, chores, private duty nursing, and other services and support.
Refer to our MI Choice guide for additional information, eligibility requirements, and enrollment instructions.
Michigan Health Link
Detroit seniors eligible for both Medicare and Medicaid may be able to receive financial assistance through the Michigan Health Link program. It pays for services covered by Medicare and Medicaid. Enrollees will use one card and plan for health care, behavioral health care, HCBS, nursing home care, and medications. A care coordinator is assigned to all members to help them create a personal care plan and more. Click here to learn more about Michigan Health Link.
Project Choice is not a Medicaid waiver. This program is funded by the Aging & Adult Services Agency (AASA) and was created to help homebound adults age 60 or older who are financially ineligible for the Medicaid waivers and meet the medical eligibility for nursing facility level of care. Those who meet the aforementioned qualifications may be able to receive assistance with the following services:
2900 Brush St. Detroit, MI 48201
This senior community is managed by the Presbyterian Villages of Michigan, a faith-based, non-profit organization. They have over 100 affordable apartments for seniors 62 years of age and older.
4950 Gateshead St.
Detroit, MI 48236
Gateshead Crossing has 45 one-bedroom affordable apartments for seniors 62 years of age and older who meet HUD’s income guidelines.
5500 McClellan Ave. Detroit, MI, 48213
This senior community has a three-story building with 65 units. There are one bedroom and mobility impaired apartments for older adults. Rent is income based, with water, sewer, electric, and heat utilities included in the rent.
14381 North Road
Fenton, MI 48430
IMS manages several affordable housing communities for those who have limited income. Currently, they own four properties in Detroit just for the elderly and disabled, and rent is based on income.
18000 Meyers Detroit, MI, 48235
Meyers Plaza Co-op has 75 units for seniors age 62 and older. Rent is based on income and includes utilities.
1250 18th St. Detroit, MI 48216
Rio Vista Detroit Co-op offers income-based apartments for adults 62 years of age and older. Pets (20 lbs. and under) are allowed.
3521 John C. Lodge
Detroit, MI 48201
Woodbridge Senior Village has one and two bedroom apartments with 24-hour maintenance service. Rent is based on 30% of your adjusted annual income and includes utilities (except for telephone and cable service).