Page Reviewed / Updated - August 01, 2019
This guide compares the cost of assisted living and care in Fort Wayne to nearby cities and other populous areas in Indiana. An overview of the Spokane Medicaid program, its eligibility requirements, and other financial assistance resources are included. Our state guide provides a more comprehensive look at costs and financial resources available across the rest of the state of Washington.
In Fort Wayne, the costs of most types of senior living and care are below the national averages. At 32% less than the state average and 26% less than the national median, assisted living is the most affordable type of care in Fort Wayne.
According to the Genworth 2018 Cost of Care Survey, the cost of adult day care is the closest to its national median with less than a 3% difference; however, it’s near twice the average cost of adult day care in Michigan, IN, which leads the state in affordability for that care type. Home care is 4.6% above the state and national median, making it the only type of care in Fort Wayne above a national average.
At an average of $2,978 a month, assisted living is Fort Wayne’s most affordable type of care compared to national and state averages. It’s 43% less than the $5,205 monthly average in the most expensive city, Lafayette, and 32% less than the state's median of $4,385. The next most affordable city for assisted living care is Terre Haute, which is 13% more per month than Fort Wayne at $3,400.
In one of Indiana’s other largest cities, Indianapolis, assisted living is more than 35% greater than the cost in Fort Wayne, and nearby Elkhart and Muncie are more than 25% greater.
Fort Wayne’s cost of home care is 4.6% above the national median, making it the city’s only care type above the national average. With a monthly cost of $4,195, it’s also Fort Wayne’s most expensive type of care relative to its state average of $4,004. Additionally, home care is the only type of care in Fort Wayne that’s more expensive than Indianapolis.
The costs of home care in nearby Elkhart are tied with Fort Wayne and with a monthly average of $4,385. Michigan, Lafayette and South Bend are the only cities more expensive. Indiana’s third largest city, Evansville, is 17% less and Muncie, geographically the second closest city surveyed, is 5.7% less.
With the exception of Muncie and Michigan, Fort Wayne’s cost of adult day care is less than all of the other cities surveyed. Admittedly an outlier among state and national medians, Michigan’s $867 average monthly cost is drastically less at 57% than Fort Wayne’s $1,517, while Muncie’s average is 3.6% less. Fort Wayne's cost of adult day care is 17.6% less than the state average of $1,842 and 29% below South Bend’s state-leading cost of adult day care.
Like most types of care, Fort Wayne’s cost of adult day care is less than Indiana’s largest city, Indianapolis. While adult day care is Indiana’s most expensive type of care relative to national averages, Fort Wayne is 2.8% below the national median as opposed to the state, which is 15% above it.
With a monthly median cost of $6,874, nursing home care in Fort Wayne is the closest of any of the city’s care types to its state average. It’s 14% less than Lafayette and South Bend, the most expensive cities surveyed, and 7.6% more than the national average of $7,441. At $5,931 a month, nursing home care in Terre Haute is 14% less than Fort Wayne and the least expensive in Indiana. For Fort Wayne and the other two largest cities, the cost of nursing home care increases with population.
Nursing home costs in Fort Wayne are more expensive than both of its nearby cities, Elkhart and Muncie, where the average monthly nursing home costs are $6,705 and $6,281, respectively.
Low-income Fort Wayne residents who are aged, blind or disabled can receive full health insurance coverage through two Medicaid programs: Hoosier Care Connect and Traditional Medicaid. Both programs include a wide range of benefits such as doctor visits, prescription drugs, mental health, dental and vision care. Additionally, both programs cover home health care and nursing facilities.
Because Hoosier Care Connect and Traditional Medicaid are entitlement programs, all individuals who meet the restrictions for age, income, assets, and if relevant, disability status, are eligible to receive care. A Home and Community Based Services (HCBS) Aged and Disabled waiver is available; however, it is not an entitlement and typically has a waiting list.An individual's income must not exceed $1,041 a month, and total assets must be no greater than $2,000 for an individual, or $3,000 for a couple to qualify. Retirement savings, burial spaces, the primary residence, and equity in a vehicle in excess of $5,000 are not included in countable assets. Seniors can apply online or over the phone at 1-800-403-0864.
Home and Community Based Services (HCBS) Aged and Disabled Waiver
Indiana's Aged and Disabled (A&D) waiver allows individuals who are aged, blind, and disabled to receive care in their own home instead of moving to a nursing facility. A&D covers numerous services including assisted living, homemaker services, respite, and adult day services. Seniors must be eligible for Medicaid, currently reside in or be in transition to an HCBS compliant facility and require nursing facility level of care to qualify.
To apply for the A&D waiver in Fort Wayne, call 800.552.3662.
Community and Home Options to Institutional Care for the Elderly and Disabled (CHOICE)
Community and Home Options for the Elderly and Disabled (CHOICE) is another program that enables seniors who require a nursing facility level of care to stay in their own home or the home of their caregiver and receive care, services and support. Seniors who need help with activities of daily living such as bathing and dressing can receive a variety of services through the CHOICE program including homemaker services, respite care, attendant care, and transportation.
There are no income requirements, but seniors should expect to be placed on a waiting list. To learn more about the CHOICE program and how to apply, visit our guide.
Residential Care Assistance Program (RCAP)
The Indiana Residential Care Assistance Program (RCAP) provides financial support for housing, food and laundry for seniors living in a residential care facility. Residents must currently reside in an RCAP approved facility and be at least 64 years old, disabled, or blind. Medicaid income requirements apply, and residents must be a part of the federal Social Security Income program or currently receiving Medicaid.
Read our RCAP guide to learn more about the benefits, eligibility guidelines and how to apply.
|Fort Wayne Housing Authority (FWHA)||(260) 267-9300||The Fort Wayne Housing Authority (FWHA) connects seniors with affordable and low-income housing. Through the FWHA, seniors can find and apply for public housing, Low Income Housing Tax Credit (LIHTC), and conventional housing.|
|Apartment Association of Fort Wayne (AAFW)||(260) 482-2916||The Apartment Association of Fort Wayne (AAFW) is a nonprofit trade organization that aggregates affordable, low-income and senior housing. The downloadable lists of senior and subsidized housing in Fort Wayne can help expedite seniors' search process.|
|The League||(800) 889-3443||The League is a nonprofit organization based in Fort Wayne providing seniors with a fee-for-service program that includes homemaker service, attendant care and respite care. Additionally, blind seniors can receive daily living skills training and instruction on mobility and orientation at no cost.|
||(800) 457-8283||Fort Wayne residents can receive financial assistance for prescription drugs through HoosierRX, Indiana's state pharmaceutical assistance program. Residents must be at least 65 years old and yearly income cannot exceed $18,975 for an individual and $25,605 for a couple.|