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Cost of Assisted Living in Tampa, Florida

Page Reviewed / Updated - Jan. 2019

This guide is intended to help Florida seniors and their loved ones understand the various senior care costs in Tampa and throughout the state, including the cost of assisted living, home care and adult day care. This guide also explores financial assistance programs available throughout Tampa to assist those paying for senior care. Additional resources, such as volunteer services or organizations that provide extra help to seniors, are referenced at the bottom of this article. Please refer to the information in our guide on paying for senior care in the state of Florida for a broader overview of senior care throughout the state.

The Cost of Senior Living and Care in Tampa

The Genworth 2018 Cost of Care Survey is used to compare the prices for senior living throughout the nation. According to this study, assisted living and home care costs in Tampa are right under the state median. Assisted living costs are especially affordable, with prices nearly 20 percent lower than the national median. However, nursing home care costs are relatively more expensive in Tampa. At $8,319 monthly, these prices are 12 percent higher than the U.S. average and 2 percent higher than the Florida median.

Tampa Assisted Living Costs

At $3,250 a month, Tampa's monthly assisted living costs are one of the city's more economical senior care options. Responses to the Genworth survey suggest that though these costs are lower than the state median. Nearby Lakeland has significantly more affordable assisted living costs, with monthly prices around $2,808. On the other end of the spectrum are cities such as Naples, with costs exceeding $5,000 monthly.

Tampa Home Care Costs

Home care costs in Tampa average $3,718 per month, falling in the middle of the Florida median for large metropolitan areas. The cheapest cities surveyed include Lakeland and Miami, whereas nearby Orlando or Punta Gorda are above the $4,000 per month mark. Seniors who choose home care services in Tampa will pay around $100 less than the median statewide. 

Tampa Adult Day Care Costs 

Adult day care services in Tampa are relatively expensive when compared to other cities in Florida. In Tampa, adult day care services cost an average of $1,907 a month, the second-most expensive average for the metropolitan areas examined by the Genworth team. The most costly adult day care services near Tampa are in Jacksonville, with monthly fees accumulating to more than $2,000. In Tallahassee, adult day care is approximately 35 percent less expensive than Tampa, making it much more budget-friendly for seniors and their families.

Tampa Nursing Home Costs

The monthly cost of nursing home care in Tampa is $8,319 on average, only two percent higher than the state's median. Most cities throughout the state fall near this price point, with the lowest average cost of nursing home care found in Jacksonville at $7,118 per month. Another inexpensive area for nursing home care is Tallahassee, which costs only $700 more than Jacksonville.

The Naples region, however, is the most expensive metropolitan area assessed for nursing care costs. Seniors there will pay $2,000 more per month for nursing home care than in Tampa.

Financial Assistance Programs in Tampa

Medicaid Program in Tampa

Florida's Medicaid program, Statewide Medicaid Managed Care program (SMMC), is available to any qualifying senior throughout the state. This program is split into three plans: Managed Medical Assistance (MMA) Program, Long-term Care (LTC) Program and Dental Program.

  • The MMA program entitles seniors to various Medicaid-covered services, including but not limited to, prescription drugs, mental health care, doctor visits, transportation and hospital care
  • The LTC program provides assisted living, nursing home care or home care to seniors through Managed Health Care Organizations
  • The Dental Program enables seniors to receive all Medicaid dental services

Seniors who are eligible for the SMMC program must enroll in at least one plan, but may choose all three if desired. To be eligible for these Medicaid services, an applicant must meet the following requirements:

  • Be a legal Florida resident
  • Be either a minimum of 65 years of age or between 18 and 64 years old and designated as disabled by the Social Security Administration
  • Be assessed as needing nursing facility level of care
  • Meet the financial requirements for Florida Medicaid of $2,313 per month for single citizens and $4,626 per month for couples, with extra limits applying for assets

All seniors living in a nursing home in Tampa who apply and meet the above-listed requirements can receive Medicaid assistance from the SMMC program. Due to limited funding, those who reside in an assisted living facility or at home might be placed on a waitlist.

The application for the SMMC program is done through the local Area Agency on Aging (AAA). There are 11 throughout the state; the closest one to Tampa is the Senior Connection Center.

Seniors can also request a screening for home and community-based services by calling the Elder Helpline at (800) 262-2243. The screening consists of an interview to examine the applicant's demographic information, income and assets to determine a senior's need for Medicaid services. For more detailed information, including financial requirements and application process, see our SMMC guide.

Other Financial Assistance Programs

Alzheimer's Disease Initiative (ADI)

The ADI program provides support to Tampa's community of seniors with Alzheimer's, dementia or any other related memory disorder and their caretakers through three types of assistance:

  • Offering access to medical services for seniors with memory conditions through Memory Disorder Clinics (MDCs), centers that offer treatment, referrals, diagnostic testing and screenings for various cognitive impairments
  • Giving respite to full-time caretakers of seniors with memory disorders by offering Extended Respite, allowing a senior to stay in a residential memory care community for up to 30 days, or in-home, faculty-based care.
  • Allocating funding towards research, experimentation and policy change surrounding memory disorders

Seniors with all financial backgrounds can apply for this program, as there are no income requirements. However, income does factor into an applicant's placement on the waitlist for the ADI initiative. Visit our ADI guide for additional information about this program and to learn more about the various benefits available.

Community Care for the Elderly (CCE)

The CCE program allows seniors who are at risk for nursing home placement but do not qualify for Medicaid to be given various benefits and services.  Types of aid might include any of the following benefits, but many more are available:

  • Adult day care
  • Companionship
  • Disposable medical supplies
  • Emergency alert response
  • Emergency home repair
  • Home-delivered meals
  • Home and personal care
  • Nursing care

These services allow seniors who require medical and personal care to continue living in their own home or community.

Applicants for the CCE program must be at least 60 years old and require assistance with Activities of Daily Living (based on an initial and annual assessment). Even though there is no income limit set, qualifying seniors are required to pay a co-pay for services. Applications are processed through the Senior Connection Center. More information can be found in our CCE guide.

Home Care for the Elderly (HCE)

The statewide HCE program offers two types of payments to help caretakers provide for low-income seniors. These payments exist to support family-type living arrangements inside private homes for residents of Tampa who are aged 60 or older. The two subsidies vary slightly:

  • A basic subsidy is available to help pay for the senior's clothing, housing, food and some medical costs
  • A special subsidy is available for necessary medical items or services

Requirements for the HCE program include meeting the financial requirements, being deemed at risk for nursing home placement and maintaining a live-in adult caretaker. This caretaker must be able to provide for the senior in addition to being able to make extra care arrangements.

Seniors might wish to be aware that this a limited-enrollment program, so not everyone who applies will have immediate access to funding. Qualified seniors might be put on a waitlist until an opening in the program arises.

Citizens can apply for the program at the local AAA. Additional information about this program can be accessed at the HCE guide.

Optional State Supplementation (OSS)

The Florida OSS program is run through the Florida Department of Children and Families and offers financial aid to seniors through monthly payments that can be used to help pay for room and board. Requirements for this program include being aged 65 or older and proving the need for residential care. This means proving the need for care in an assisted living facility, adult family care home or a mental health treatment center. Additionally, seniors must meet the financial limits (with additional requirements for assets):

  • A monthly income cap of $828.40 for individuals in family care homes or assisted living
  • A monthly income cap of $1,656.80 for couples in family care homes or assisted living
  • A monthly income cap of $935.00 for individuals in a mental health facility
  • A monthly income cap of $1,870.00 for couples in a mental health facility

The amount of each OSS payment varies based on the senior’s income and the current OSS standard cost of care in the facility where the senior resides. Payments are made directly to the senior upon acceptance to the program. However, individuals who receive these subsidies cannot receive Medicaid assistance at the same time.

Interested seniors can apply at the local Department of Children and Families office, Adult Protective Services office or online. Refer to our OSS guide for additional help.

More Senior Living Resources in Tampa

Resource

Phone Number

Description

Respite for Elders Living in Everyday Families (RELIEF)

(800) 96-ELDER

Free, in-home elderly care is provided in Tampa through Florida's RELIEF program. A multigenerational volunteer corps provide aid to full-time caretakers. Each volunteer is carefully paired with a senior who has similar interests and skills.

Requirements vary for this program and are determined by the local AAA. Contact Tampa's local office, Senior Connection Center, to learn more about the application process and eligibility requirements. Refer to our RELIEF guide for more information.

Sunshine Line Door-to-Door Transportation

(813) 272-7272

The Sunshine Line Door-to-Door Transportation program offers seniors in Tampa transportation for medical appointments, grocery trips and more for free or a small charge (determined by a sliding scale). Seniors' eligibility for the program is based on income, age, and disabilities.

Emergency Home Energy Assistance Program (EHEAP) 

(813) 272-5220 or

(813) 272-5074

The Emergency Home Energy Assistance Program (EHEAP) program helps seniors pay for home energy bills. This federally-funded program aids low-income households where at least one person is over 60 years of age and the total income does not exceed 150 percent of the Federal Poverty Guidelines. For more information, seniors can contact either the Lee Davis Community Resource Center or the West Tampa Community Resource Center.

Hillsborough County Senior Meal Services

(813) 272-5250

Seniors in Tampa can receive meals free of charge through either the Weekday Lunch program or the Home-Delivered Meal program. The Weekday Lunch program allows senior citizens to eat hot noon meals in a group setting at one of the county's various nutrition centers. The Home-Delivered Meal program offers nutritious meals to seniors who are unable to attend the Weekday Lunch program because they cannot leave their homes due to various disabilities, sickness or frailty. Tampa citizens must be aged 60 or older to participate.