Cost of Assisted Living in Rochester, New York

Page Reviewed / Updated - Jan. 2019

In this guide, seniors and their families can find detailed information regarding the cost of senior care in Rochester, New York, along with data about the area's resources and programs that are in place to provide financial assistance and access to affordable care for seniors. To learn more about the cost of senior care and financial assistance throughout the state, visit our guide to paying for senior care in New York
The Cost of Senior Living and Care in Rochester
According to the Genworth 2018 Cost of Care Study, the cost of senior care in Rochester is a little higher than the state averages for most types of care. Assisted living, home care and nursing home care all have costs that are slightly above the national average, while the cost of adult day care is on par with the average cost throughout the state. When compared with other major cities throughout New York, the cost of senior care in Rochester is mid-range. While costs in cities like Utica and Glens Falls are much lower than in Rochester, cities like New York and Albany have considerably higher average costs. 
Rochester Assisted Living Costs

The average cost of assisted living in Rochester is only about $200 higher than the state average, which is $4,185. Although the cost of assisted living in Rochester is higher than the state average, it's much lower than in other major cities throughout New York, such as New York City, where the average monthly cost of assisted living is $5,916 and Ithaca, where the average cost is $5,000. Senior care is much less expensive in smaller cities in New York, such as Glens Falls, where the average monthly cost of assisted living is only $2,600. 

Rochester Home Care Costs

The average monthly cost of home care in Rochester is $4,767, which is among the highest in the state. Rochester's costs fall just behind Ithaca, where the average monthly cost of home care is $5,100, and Syracuse, where the average monthly cost is $5,329. In cities such as New York City and Albany, the cost of home care is a couple hundred dollars less per month.

Rochester Adult Day Care Costs 
The average monthly cost of adult day care in Rochester is fairly reasonable when compared with many other cities in New York. The cost is on par with the state average and is several hundred dollars less than in New York City and Syracuse, where the average monthly cost of assisted living is $1,950. In smaller cities, such as Albany and Buffalo, adult day care costs are substantially lower at $1,083, and in Glens Falls, the cost is nearly double at $2,833. 
Rochester Nursing Home Costs
Nursing home costs in Rochester are higher than the state average, which is $11,756 per month and are almost the highest in the state. The only city with higher nursing home costs is Albany, where the average monthly cost of nursing home care is $12,517. Most cities throughout New York have costs ranging from $11,000 to about $12,000 per month, except Ithaca and Utica, where average costs are about $9,580 per month.
Financial Assistance Programs in Rochester
Medicaid Program in Rochester

Seniors living in Rochester can access financial assistance through the state Medicaid program, which is funded by the state of New York with assistance from the federal government. The state's Medicaid program pays for the cost of nursing care and home care for eligible seniors.

Seniors who participate in New York's Medicaid program can access financial assistance under the Community First Choice Option (CFCO), which offers seniors access to assistance with activities of daily living, nurse visits, medical equipment and personal emergency response systems. The program exists to provide a nursing level of care to seniors who prefer to continue living at home. Under the CFCO, seniors can choose to direct their own care, which includes hiring family members or friends as caregivers.

To be eligible for Medicaid in New York, individual applicants must have an income less than $842 per month and couples must earn less than $1,233 per month. Asset value is limited to $15,150 for individuals and $22,200 for couples, not including the value of the applicant's home, which must be worth less than $858,000. Exempt assets include household items and one vehicle. New York offers residents a Medicaid spend-down program that's called Medicaid Excess Income. Under this program, seniors may still be eligible for financial assistance if their income or assets exceed the limits provided their medical expenses are above average.

To apply for Medicaid in New York or to learn more about the application process, seniors can call the Monroe County District Social Services office at (585) 753-2750.

Medicaid Waivers in Rochester

Assisted Living Program

The Assisted Living Program (ALP) is a Medicaid waiver program that is jointly funded by the state's Medicaid program and the New York State Department of Health. It provides seniors and disabled individuals with access to care in licensed assisted living residences in New York. The waiver pays for the cost of care services provided in assisted living residences and was created to reduce the stress on the state's Medicaid system, which is often the result of the high cost of nursing home care in the state. In some cases, this program will pay for both the cost of care and room and board expenses.

This program is open to both Medicaid participants and those who meet the program's eligibility guidelines. Financial eligibility requirements for this waiver are the same as those for the state Medicaid program. Additionally, applicants must require a nursing level of care, yet be able to function safely within an assisted living residence. Applicants are required to submit to a functional assessment to determine their level of need. Only 4,200 applicants are accepted into this program at one time, which means it's not uncommon for the waiting list to get rather lengthy.

To apply for this program or to inquire about the program's waitlist and application process, seniors can contact the Monroe County District Social Services office at (585) 753-2750.

Consumer Directed Personal Assistance Program

The Consumer Directed Personal Assistance Program (CDPAP) allows Medicaid participants who require daily assistance or nursing care to participate in directing their own care. Under this waiver, participants may choose to hire their own adult children or another family member or friend to provide home care services. The program does not allow for the hiring of spouses.

In order to participate in the CDPAP, seniors living in Rochester must have their doctor send a completed physician's order to the Monroe County District Social Services Office. Upon receipt, Social Services will initiate an assessment to determine if the applicant may participate in the program. Seniors must be capable of hiring and directing their own care or have a legal representative who is willing to make choices on their behalf. Financial requirements for this program are the same as for the state Medicaid program.

To apply for the CDPAP, seniors can contact the Monroe County District Social Services office at (585) 753-2750.

Other Financial Assistance Programs

New York State Supplement Program

The state of New York provides a cash benefit to eligible seniors and disabled individuals who are receiving Supplemental Security Income. This benefit was created to provide those receiving long-term care with additional financial assistance to pay for the cost of services or room and board. The maximum payout of this benefit depends on the age, disability and income of the applicant, but for some, it may be as high as $694 per month.

Seniors who are eligible for the State Supplement Program automatically qualify for Medicaid. To be eligible for the program, seniors must be 65 years of age or older, reside in New York State and have limited income and assets.

To apply for this program, seniors can call (800) 772-1213.

Community Services for the Elderly

The Community Services for the Elderly (CSE) program is provided by the New York State Office for the Aging. It was created to provide financial assistance and support services to seniors who require daily support or nursing care but wish to continue living at home. The program was created to reduce the level of stress that institutionalization creates for the state's Medicaid system. Services provided under this program are funded by the state's network of Area Agencies on Aging. Participants of this program may receive funding for, or access to, services that include adult day care, home health care, personal care, respite care, meal delivery, case management and transportation assistance.

To be eligible for the CSE, seniors must be at least 60 years of age and legal residents of New York. They must also be assessed and determined to require daily support services. Financial eligibility requirements stipulate that individual applicants must not have an income that exceeds $1,518 per month and couples may not have an income that exceeds $2,058 per month.

Seniors who wish to apply for this program can contact the Monroe County Aging Office at (585) 753-6280.

Expanded In-Home Services for the Elderly

The Expanded In-Home Services for the Elderly program is provided by the state of New York and offers non-medical services that include personal care, senior companion services, meal delivery, adult day care and transportation assistance. The program is available to elderly residents who live at home and require regular support services.

To be eligible, seniors must be 60 years of age or older and may not qualify for the state's Medicaid program. They must also be assessed and determined to require assistance with their activities of daily living. There are no income limitations in place for this program.  For more information, please call (585) 753-6280 or contact your local Office for the Aging.
More Senior Living Resources in Rochester

Resource

Phone Number

Description

Rochester Housing Authority

(585) 697-7180

The RHA has public housing available for seniors over 50 years old who have limited income. Rent is subsidized by HUD so income requirements do apply.

New York RESTORE Program

(866) 275-3427

The RESTORE program provides low-income seniors with access to low-cost home repairs and necessary home modifications. Funding is available to seniors aged 60 and older.

Home Energy Assistance Program

(585) 753-6477

This program provides assistance with the cost of home heating to low-income seniors and other individuals living in Monroe County.