Page Reviewed / Updated - Jan. 2019
This guide contains information on the cost of senior care in Cincinnati, the types of financial assistance programs available in the city, and other resources, such as low-income senior apartments. For more information about costs and financial assistance available in the state, check out our guide to paying to senior care in Ohio.
In Cincinnati, senior care is much more expensive than it is in other areas of Ohio. The Genworth 2018 Cost of Care Survey reveals that the average monthly cost of home care and adult day care are within a couple of hundred dollars of the state average. However, assisted living and nursing home care are much more expensive here.
Assisted living in Cincinnati costs seniors an average of $4,998 a month, which is much higher than the median cost of $4,278 for the entire state. Nearby cities in southwestern Ohio vary widely in price with Dayton assisted living costing $302 less than Cincinnati and Springfield and Columbus $1,905 and $828 less per month, respectively. Remarkably, assisted living in Springfield costs $1,905 less monthly than in Cincinnati.
The cost of assisted living in the rest of the state is $4,050, nearly $1,000 less than the pricey Cincinnati area.
Seniors in Cincinnati pay an average of $4,195 a month for home care, which is much higher than the median cost of $4,004 for all of Ohio. In northeastern Ohio, aging citizens can expect to pay about $3,800 for home care in Akron, Canton and Youngstown. Meanwhile, Cincinnati residents pay the same on average as those in Cleveland and Columbus.
The cost of home care in the rest of the state, excluding Cincinnati, is $3,813, meaning that Cincinnati seniors pay almost $4,600 more on an annual basis than most Ohioans.
Adult day care in Cincinnati costs about $1,560 a month for home care, compared to an average cost of $1,322 for the entire Buckeye state. While Cincinnati is the most expensive area for home care, Canton area seniors pay the least at a median cost of $975 per month. Dayton, Springfield and Cleveland seniors pay around the same amount as the state average.
The cost of adult day care in the rest of the state, excluding Cincinnati, is $1,365, so Cincinnati residents can expect to pay a few hundred dollars more per month than residents in most of the cities in Ohio.
In Cincinnati, nursing home care costs an average of $7,528 a month, which is much higher than the median cost of $7,118 for the entire state. Mansfield has the cheapest monthly cost of $6,357, whereas Dayton and Akron exceed the cost of nursing home care in Cincinnati.
The cost of nursing home care in the rest of Ohio is $6,464, much less than in the Cincinnati area.
Through Ohio Medicaid, participants must choose one of five managed care health plans. All five plans participate in the MyCare Ohio Plan (MCOP), which applies to those residents on both Medicaid and Medicare. Through this program’s Home and Community Based Services Waiver, seniors can receive assisted living and other types of care such as home care, adult day care, as well as financial support for home modifications necessary to accommodate a disability.
Medicaid evaluates a senior's monthly income and total resources. In 2018, the monthly income of a single applicant for waivers must be less than $2,250. For Cincinnati seniors, the countable resource limit is $2,000. However, your home value up to $572,000 is exempt and so are your vehicle and personal effects.
If only one spouse applies for a Medicaid waiver, a portion of their income can be allocated to their spouse. This so-called monthly maintenance needs allowance assigns up to $3,090 per month to the non-applicant spouse. Further, a community spouse resource lets the non-applicant spouse keep $123,600 of joint assets. This prevents the spouse from becoming impoverished and lowers the applicant spouse’s income and assets so that they can receive the assistance they need. Contact a Medicaid expert for more information or for help determining your eligibility.
The PASSPORT Waiver
The PASSPORT Waiver supplies home-based care services to residents who need services similar to nursing home care. Services include personal care assistance, meal delivery, adult day care and durable medical equipment. This waiver gives seniors self-direction to choose their caregiver, including some family members. To apply, contact the Central Ohio Area Agency on Aging at (614) 645-7250 or (800) 589-7277.
Assisted Living Waiver
The Assisted Living Waiver covers the cost of certain services at participating assisted living communities. This may include medication assistance, housekeeping, skilled nursing and personal care. This waiver doesn't cover room and board. More information can be found here.
Ohio Elderly Services Program
The Ohio Elderly Services Program provides in-home personal care and homemaker services. This may include medical transportation, durable medical equipment, adult day care, meal delivery and respite care. Those whose income surpasses the amount allowed for Medicaid eligibility, but who still don't make enough money to pay out-of-pocket for care services are ideal candidates for this waiver. In addition, applicants must reside in Butler, Clinton, Hamilton, or Warren Counties and be at least 60 years old. Ohio’s Council on Aging fulfills applications for this waiver. Call (800)-252-0155 or (513)-721-1025. Read more about it here.
Residential State Supplement
The Ohio Department of Mental Health offers the Residential State Supplement. RSS assists with the cost of adult foster care, adult family care and assisted living. Personal care assistance, medication monitoring and recreational activities may also be provided in the residential setting. Eligibility is restricted to Medicaid participants. More info on eligibility can be found here.
The state also sponsors programs for low-income elderly residents who wish to remain in their homes. Some programs provide in-home assistance, and others reduce overall living expenses, which frees up more money for care services. Apply for the supplement on the OhioMHAS website.
Program for All-Inclusive Care for the Elderly (PACE)
The PACE program is a provider group that offers payment for long-term care services received while living either at home or in a residential care facility. To qualify, Cincinnati applicants must be at least 55 years old and require help with activities of daily living. To learn more, contact one of the two locations in Cincinnati: Because You Matter, (513) 289-8874 and Rightway Healthcare, (513) 289-7204.
CMHA manages several property types that cater to low-income residents, including seniors. Housing options include townhomes, standard apartments, apartments in high-rise buildings and single family homes located throughout Hamilton County. Residents pay 30 - 40 percent of their income toward rent and utilities.
Federally funded, this program provides assistance to low-income families and individuals, including seniors, to make their home energy efficient, thus, reducing energy costs. Services include insulation installment, air leak repairs, heating system repairs and replacements and inspections related to health and safety testing. Ohio residents are eligible based on income requirements. For instance, a one-person household cannot earn more than $24,280 per year.
The Homestead Tax Exemption allows seniors age 65 or older to reduce their property taxes by excluding up to $25,000 of the market value of their home from local property taxes. Applications can be filed with the county auditor in the county where the property is located.
The Ohio Department of Aging Department runs The Golden Buckeye program to help Cincinnati residents save money on prescription drugs, to reduce living expenses, and to receive assistance for home heating and cooling costs. A Golden Buckeye card is automatically mailed to residents on their 60th birthday.