Cost of Assisted Living in Wisconsin Rapids, Wisconsin

Page Reviewed / Updated - October, 2019

Information on the cost of senior care in Wisconsin Rapids can be found in this guide, including financial assistance programs and other resources available for low-income seniors. A broader view of senior care costs in the state can be found in our guide to paying for senior care in Wisconsin. This includes information about costs and financial assistance available in the state.

The Cost of Senior Living and Care in Wisconsin Rapids

The cost of senior care in Wisconsin Rapids is lower than the state median in all categories except the cost of assisted living. The Genworth 2018 Cost of Care Survey puts the cost of assisted living in Wisconsin Rapids at $4,644 a month, $344 higher than the Wisconsin median. By contrast, adult day care in the city is about half the state median. Seniors in Wisconsin Rapids pay just $758 a month for adult day care, $650 less than the Wisconsin median.

Note: Senior care cost data wasn’t available for Wisconsin Rapids, so the data for the closest city, Wausau, was used.

Wisconsin Rapids Assisted Living Costs

The average monthly cost of assisted living in Wisconsin Rapids is $4,644, which is less affordable than large cities in the state. Seniors in Milwaukee pay $4,264 a month, while those in Green Bay pay $4,075, $569 a month less than those in Wisconsin Rapids. Nearby Oshkosh has the least affordable assisted living in the state at a cost of $5,000 a month, $356 more than Wisconsin Rapids. By contrast, seniors in La Crosse pay just $2,638, $2,006 less than those in Wisconsin Rapids.

Wisconsin Rapids Home Care Costs

Home care in Wisconsin Rapids is more affordable than in nearby cities, with seniors paying $382 a month less than those in Oshkosh and Appleton. It's also more affordable than in most major cities. Home care costs in Milwaukee and Janesville are the highest in Wisconsin at $4,767 a month, $668 more than Wisconsin Rapids. Seniors looking for more affordable home care in the state can find it in Madison, where seniors pay $99 less, and Sheboygan, which is $333 less than Wisconsin Rapids.

Wisconsin Rapids Adult Day Care Costs

Wisconsin Rapids has the most affordable adult day care in Wisconsin. At $758 a month, it's $542 less than in Racine, which is the next most affordable at $1,300 a month. In nearby Appleton, seniors pay $1,343 a month, $585 more than Wisconsin Rapids. There is a wide range of home care costs in Wisconsin's major cities. In Milwaukee, adult day care costs $1,408 a month, while seniors in Green Bay pay the most in Wisconsin at $2,427, $1,669 more than those in Wisconsin Rapids.

Wisconsin Rapids Nursing Home Costs

Nursing home care in Wisconsin Rapids is close to the Wisconsin median. It's the most affordable of the nearby cities, with seniors in Appleton paying $243 more each month, and those in the Oshkosh Area paying $304 more. It's not the most affordable nursing home care in the state, with seniors in Eau Claire paying just $7,422 monthly, $760 less than those in Wisconsin Rapids. The least affordable care is found in the Milwaukee area at $9,555 a month, $1,373 more than Wisconsin Rapids.

Financial Assistance Programs in Wisconsin Rapids

Medicaid Program in Wisconsin Rapids

Medicaid in Wisconsin offers nursing home and health care to eligible individuals in the state. As Medicaid is an entitlement program, everyone who meets the eligibility criteria receives care.

Institutional Medicaid provides long-term coverage for people who have been living or expect to be living in a nursing home or other medical institution for at least 30 consecutive days. For people who are single or those who are married but only one spouse is applying, the income limit is $2,313 a month and they must have assets of less than $2,000. The non-applicant spouse can retain a further $126,420 of the couple's joint assets. If both spouses of a married couple are applying, the income limit is $4,626 and the asset limit is $4,000.

In addition to the financial criteria, residency, age and functional criteria apply. Applicants must be assessed as requiring a nursing home level of care and must be residents of Wisconsin. They must also be aged 65 or over, or be aged 18-64 and assessed as disabled.

Regular Medicaid is referred to as Supplemental Security Income (SSI)-related Medicaid in Wisconsin. It provides health coverage to people aged 65 or over or people who are blind or disabled as determined by the Disability Determination Bureau. The income limit for SSI-Related Medicaid in Wisconsin includes an income amount plus an Actual Shelter Allowance, which is the cost of an applicant's mortgage, rent, property taxes and utilities.

For single applicants, the income limit is $597.78 a month, plus an Actual Shelter Allowance of up to $257 a month. There is also an asset limit of $2,000. For married couples, the income limit is $903.38, plus an Actual Shelter Allowance of up to $385.67, and the asset limit is $3,000. These financial criteria apply to married couples whether one or both spouses are applying.

Some personal care services are also offered under the Medicaid State Plan under a program called Medical Assistance Personal Care. To be eligible, participants must be eligible for Medicaid and deemed medically needy. These services can include assistance with activities of daily living, such as bathing, feeding and grooming, as well as some non-personal care activities including meal preparation and laundry.

For the purposes of Medicaid eligibility, certain assets are considered exempt. Exempt assets include burial trusts, personal belongings, household items, an automobile and IRA's and 401K's in payout status. A primary home is also exempt if it's the primary home of the applicant or their spouse and is valued at less than $878,000.

People whose income is above the limits may still be able to qualify for Medicaid through the Medical Deductible Program. This program is designed for people with high income and high medical bills. Participants are able to use their excess income to pay for their medical expenses. Once they have spent down enough to meet the income limits, they are eligible for Medicaid for the remainder of the period, which is six months in Wisconsin.Applications for Medicaid can be downloaded from the Department of Health Services website or seniors can apply on the ACCESS website.

Medicaid Waivers in Wisconsin Rapids

Family Care Program

The Family Care Program provides a range of services that help participants remain living in their home. Benefits can include adult day care, respite care, personal care and home modifications. The program is self-directed, giving participants the opportunity to hire their caregivers. Friends, neighbors and some family members can be hired to provide care through this program.

To be eligible, applicants must be aged 65 and older and require assistance with activities of daily living. Applicants aged between 18 and 64 must have a physical disability. Financially, applicants must qualify for long-term Medicaid. A cost-share arrangement is available for people who don't meet the financial requirements. The Family Care Partnership Program is similar, except it includes medical care. It isn't currently available in Wood County. Further information can be found on the Department of Human Services website and seniors can apply for Family Care through their local Aging and Disability Resource Center.

Include, Respect, I Self-Direct (IRIS) Program

Wisconsin's IRIS Program is a self-directed program for older adults and people with disabilities. Participants in the program determine their needs and goals for long-term care to develop a plan and then receive a budget based on that plan. They can spend their budget on anything in the plan and are responsible for finding any goods and services and acting as the employer for any caregivers. The program is designed to give participants freedom and self-determination. In some cases, family members and friends can be hired as caregivers.To be eligible for the program, applicants must be 65 or older. Participants can be aged 18-64 if they're disabled. They must be assessed as needing a nursing home level of care and need to meet the financial eligibility criteria for Institutional Medicaid. Services provided on the program can be anything that helps the participant maintain their independence and can include personal care services, adult day care, assistive technology and nursing services. Applications are made through the local Aging and Disability Resource Center and further information can be found on the IRIS website.

Other Financial Assistance Programs in Wisconsin Rapids

Wisconsin Supplemental Security Income Exceptional Expense Program

Seniors in Wisconsin Rapids who receive Social Security Income may be eligible for the SSI Exceptional Expense Program, or SSI-E. The SSI-E provides a monthly cash benefit to each SSI member who meets the program requirements. Currently the amount is up to $95.99 for singles and $345.36 for couples, although the amount may vary depending on the participants living arrangements.

To be eligible for the program, participants must live at home, in an assisted living facility or adult foster care. They must also require 40 or more hours of assistance each week. Financial criteria do apply for the program. For singles there's an income limit of $771 a month and assets of less than $2,000. For married couples the income limit is $1,157 and the asset limit is $3,000. The Department of Human Services website has more information about the program. Applications can be made through the Wood County Department of Human Services.

Alzheimer's Family and Caregiver Support Program

The AFCSP provides services and support to the families of people with Alzheimer's disease or a related memory disorder. To be eligible for the program, applicants must meet functional, financial and residential requirements. Applicants must have a written diagnosis from a doctor, stating that they have Alzheimer's disease, dementia or a related memory disorder. They must also be residents of Wisconsin. The financial criteria state that the household must have an income below $48,000 a year, however any Alzheimer's related expenses can be deducted from their income. There's no asset limit for the program. The program is only available to people living in their own home or the home of a caregiver.

The AFCSP provides services to people with Alzheimer's disease and their caregivers. These can include respite care, medical equipment, adult day care and home modifications. The exact services provided are determined by the county and the needs of the applicant. Seniors in Wisconsin Rapids and their families can find more information on the Department of Health Services website and apply for the program through the Aging and Disability Resource Center of Central Wisconsin.

SeniorCare Pharmaceutical Assistance Program

The SeniorCare Pharmaceutical Assistance Program provides seniors with assistance paying for prescription medicines by providing medications with low co-pay amounts. To be eligible for the program, seniors must be Wisconsin residents aged 65 and over who aren't on Medicaid. The applicant's annual income determines their level of coverage. More information on income levels and coverage can be found on our SeniorCare page. Seniors in the program must pay a small annual fee, currently $30, to participate. Applications can be made through the local Aging and Disability Resource Center.

More Senior Living Resources in Wisconsin Rapids

Resource

Phone Number

Description

Wisconsin Rapids Housing Authority (715) 423-7288 Wisconsin Rapids Housing Authority administers the housing voucher program and also provides public housing in the city. There are three apartment buildings available to people aged 18 and over, but preference for these apartments are given to elderly residents.
Single Family Housing Repair Loans and Grants (715) 345-7611 The United States Department of Agriculture has loans and grants available to allow homeowners in rural areas to repair their homes. Grants are available through the program for elderly people to remove safety hazards and make homes wheelchair accessible.
Wisconsin Home Energy Assistance Program (715) 421-8659 WHEAP provides assistance to pay for heating and electrical costs. Applicants must meet financial eligibility criteria, which differ depending on the number of people in the household. This program can pay for most heat sources, including wood, propane gas and electricity.
National Family Caregiver Support Program (888) 486-9545 This program is administered through the Aging and Disability Resource Center of Central Wisconsin. Its primary purpose is to provide education, training and presentations about caregiver issues, but it also has limited funding to help caregivers respite care and other services.
Wood County Housing Rehabilitation Program (715) 343-7146 The Housing Rehabilitation Program provides no-interest, deferred payment loans to low and moderate-income residents. These loans can be used to add accessibility modifications to homes, including widening doors and adding wheelchair ramps.