Financial Assistance, Costs and Payment Options for Eldercare in New York

Page Reviewed / Updated - Jul. 2016

This webpage will help New York residents understand assisted living, home care, and adult day care costs throughout the state. It also explores the payment options and financial assistance programs available to assist in caring for the elderly, 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 New York, but is not comprehensive of what is available at a national level. To search for assistance nationwide, and to explore all of your options, please use our Resource Locator Tool. Finding the program that is most suitable for your circumstances is key.

 Did You Know?  Due the state's vast geographic area and variations in population density, New York has one of the widest ranges of eldercare costs in the nation.

New York Elder Care Costs

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Assisted Living

In 2016, the average cost of assisted living in New York is $4,100 / month. However in the most expensive areas of the state; Albany, New York City and the surrounding area, Ithaca, and Long Island, the monthly cost ranges from $5,100 - $6,500. Less expensive areas include; Brooklyn, Glens Falls, Kingston, Utica, and surprisingly, Staten Island, where assisted living costs are in the $3,000 - $3,500 / month range.

Alzheimer's residential care thorough out New York, sometimes called Memory Care, adds approximately $1,100 to the monthly cost of assisted living.

Home Care

Home care across the state on average costs $22 / hour. The outer area of New York city, Utica, and Elmira are the most expensive areas for home care, where the range is $24 - $25 / hour. Brooklyn, Queens, Watertown, the Bronx, and Staten Island are the least costly areas for home care where the hourly rate averages from $19.50 to just under $21. Home health care is another option for elderly care for those who require a bit more intensive care, and averages $22 / hour statewide. 

Adult Day Care

Non-residential adult day care continues to be the least expensive care option and costs on average $85 / day.  However, this represents a notable increase of approximately 15% over 2014.  Adult day care is most expensive in Manhattan, Kingston, and Staten Island, where it costs between $120 - $190 / day. It is most affordable in the areas of Buffalo and Watertown, where it can be found for as little as $50 / day.

 

 

New York Financial Assistance Programs

Medicaid Programs & Waivers

Medicaid is a program for disabled and elderly individuals with limited income and resources. In addition to paying for nursing home care, and some personal care, for qualified New York residents, New York offers two Medicaid waiver programs that help pay for assisted living and home care. These waiver programs allow seniors to avoid or delay nursing home placement.

1) The Managed Long Term Care Waiver (MLTC) helps residents with home care in their home or in assisted living. Other benefits may include adult day care, home modifications, personal emergency response systems, dental services, and more. Read about eligibility and benefits for the MLTC Waiver.

The Consumer-Directed Personal Assistance Program (CDPAP) is a way for individuals to receive services under MMLTC. This program will pay for personal care for seniors in their homes. Via this program, participants have the flexibility to select some of their own care providers, and certain family members can be hired as paid caregivers.

2) The Assisted Living Program (ALP) helps individuals who qualify for nursing home care, but prefer to live in an assisted living residence. This program helps to cover the cost of room and board, and often times the assisted living facility will offer additional services, such as housekeeping and personal care. The program is also open to those who are not on Medicaid. Read more about the ALP.


To qualify for Medicaid in the state of New York in 2016, individual residents must have a monthly income of less than $825 and couples less than $1,209. The resources or assets limit is $14,850 for individuals and $21,750 for couples. When calculating assets, the state does not include the value of a home, provided it is worth less than $828,000. A single vehicle is also considered an exempt asset.

Persons with income and assets over these limits can still become eligible for Medicaid assistance. Individuals whose incomes exceed the limit, but have high medical expenses, may qualify through a Medicaid spend-down program called Medicaid Excess Income. Persons with assets valued over the limit might become eligible by working with a Medicaid planner to structure their resources appropriately. If there is some question regarding qualification, it is strongly recommended individuals contact a Medicaid Planner prior to applying for Medicaid. Read about the pros & cons of Medicaid planning.

 

State Assistance Programs

New York offers five programs for lower income residents that do not qualify for Medicaid. These programs provide financial assistance to help seniors with the cost of care and other medical expenses.

1) The Expanded In-home Services for the Elderly Program (EISEP) provides non-medical personal care for seniors in their homes. This program allows for consumer direction, meaning a senior may hire the caregiver of their choosing, including family members. Read more about EISEP qualifications and benefits.

2) The Elderly Pharmaceutical Insurance Coverage (EPIC) program provides two levels of Medicare Wraparound coverage for prescription drugs. Read about EPIC eligibility and benefits.

3) The Community Services for the Elderly (CSE) provides a variety of services and non-medical care for seniors to enable them to continue to live at home. Services include personal care, adult day care, respite care, and personal emergency response systems. Learn more about CSE and its eligibility

4) The New York RESTORE program assists seniors in making emergency repairs to their home so that they are able to live in safe environments. Includes structural, heating, plumbing, and electrical repairs. Other modifications, such as grab bars and wheelchair ramps, may be done via this program. Read more about the RESTORE program and how to qualify. 

5) New York Naturally Occurring Retirement Communities (NORC) is a phenomenon where a neighborhood or building has a large number of elderly residents. Non-profit agencies provide services, such as nursing, case management, housecleaning, and social activities, to these naturally occurring communities. Read more about NORC qualifications and benefits.

 

Other Financial Options for Care

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, including the best ones for you or your loved one, 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 New York.

 

Finding Affordable Care

To help families find affordable care in New York, we've partnered with several organizations that maintain databases of care providers. These organizations all provide free services that match an individual's specific care needs with care providers in their preferred geographic area. Click here to find affordable care.