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Financial Assistance, Costs and Payment Options for Eldercare in Kansas

Page Reviewed / Updated - January 06, 2020

This webpage is intended to assist Kansans in exploring the costs associated with elderly care throughout the state. This includes looking at specific geographic regions within the state and exploring the average cost of assisted living, in-home care and in-home health care, and adult day care. Programs offering financial assistance in caring for the elderly, as well as care assistance programs, whether it is in the home or in a residential facility, will also be covered.

The compiled lists of programs assisting with senior care that are found on this page encompass all of the programs that are offered by the state of Kansas. However, there are also programs offered on a national level that are not included on this webpage. It’s important to explore all avenues when searching for senior care assistance in order to find the program that makes the most sense for your family. Our Resource Locator Tool, which is free to use, is invaluable in searching for additional senior care programs. 

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Kansas Elder Care Costs

Assisted Living / Memory Care

As of 2019, the monthly average cost of assisted living in Kansas statewide is $4,556. This amount is approximately 14% higher than the nationwide average of $4,000 / month. Throughout the various geographic locations within Kansas, there is not an extreme variance in monthly price. The city of Wichita runs a monthly average of $4,728 and Manhattan-Junction City, $5,100. The highest average monthly rate for assisted living is found in Lawrence at $5,265 and Topeka at $5,300, which is approximately 30% more than the nationwide average. Memory Care, also referred to as Alzheimer’s Care, is also available in assisted living facilities. For this type of care, expect to pay approximately $800 to $1,200 more a month.

Home Care

In 2019, the average hourly rate of non-medical, in-home care statewide in Kansas is $20.00. The cities of Lawrence and Topeka have average hourly rates under the state average at $18.00 to $19.00. Wichita and Manhattan-Junction City have the highest hourly rates, which are between $22.00 and $22.50. In-home health care is another option for elderly care in Kansas and provides a higher degree of care. This service is provided by health care professionals and generally costs $1.00 to $1.50 more per hour than does non-medical, in-home care.

Adult Day Care

Adult day care in Kansas, as of 2019, runs residents an average of $81 / day. Unlike with the cost of assisted living, there is a large variance in cost, depending on the geographic location in which one resides. Throughout the state, the average daily cost can be anywhere between $66 and $106. The most affordable adult day care can be found in Manhattan-Junction City, with an average cost of $66 / day. Lawrence and Wichita are just over the statewide average at $88 to $89 / day. The most expensive adult day care is found in Topeka, at an average of $106 / day.

Kansas Financial Assistance Programs

Medicaid Programs for the Elderly

Medicaid is a health care program for low-income residents and is a joint partnership between the federal government and the state. While the federal government sets the parameters for the program, the state administers the program as they see fit within the given parameters. In Kansas, Medicaid is called KanCare, which is a managed care program for all Medicaid recipients throughout the state. Through this program, nursing home care is covered, in addition to some in-home personal care assistance.

Kansas also has a Home and Community Based Services program, the Frail Elderly (FE) Waiver, specifically designed for the elderly. This waiver program has been integrated into KanCare and is intended to prevent or delay unnecessary nursing home placement. Services available via the FE Waiver include adult day care, personal emergency response systems, assistive technology, medication reminders, assisted living care services, and attendant care services. Personal care services may be self-directed, meaning eligible applicants can hire the person of their choosing, including select family members.

In order to be eligible for Kansas Medicaid in 2019, income and assets of elderly Kansans are considered. In order to receive services without a share of cost, also called a cost share, a single applicant cannot have monthly income greater than $747. (A cost share may be a payment made to a nursing home facility, also called “client obligation”, or it may be a “spend down”, which is similar to an insurance deductible. With spend down, one must pay excess income on medical bills and once the “spend down” is met, they are eligible for Medicaid). Applicants may receive services at a cost of share up to a monthly income of $2,313. The limit for countable assets is set at $2,000. An individual’s primary home is considered exempt, given the individual, or their spouse, lives in it and it is valued under $585,000.

If an individual is over the income and / or asset restrictions, this does not automatically call for disqualification. Kansas has a Medically Needy program, also referred to as a spend down, which is mentioned above, and allows individuals with high medical bills to receive services once they “spend down” their disposable income on these bills. However, for the medically needy pathway, the income limit is lower, and as of 2019, is $495 for a single applicant or a household of two. Please note that it is extremely important that an applicant does not give away assets, or sell them cheaply, in an attempt to meet the asset limit. This is because Medicaid as a look-back period, and violating this rule can result in a period of Medicaid ineligibility. Experienced Medicaid planners can assist with planning techniques to lower income and / or asset(s) without jeopardizing one’s eligibility. Therefore, it may be helpful to contact a professional Medicaid planner for assistance.

State (Non-Medicaid) Assistance Programs

The state of Kansas also offers one non-Medicaid assistance program that provides care assistance to seniors. The Senior Care Act (SCA) Program is administered by the local Area Agencies on Aging offices throughout the state. The services may vary based on geographic location, but may include personal care assistance, homemaker services, adult day care, respite care, chore services, and transportation assistance. Some services, such as homemaker services and personal care assistance, may be self-directed. This means eligible applicants can choose their own provider, including select family members.

Another program that may benefit Kansas seniors is the Low Income Energy Assistance Program (LIEAP). This program offers financial assistance to low-income individuals to help cover the cost of heating or cooling their homes. While this program does not directly provide financial or care assistance for the elderly, it may free up money that can be used towards senior care. To learn more about this program, click here.

Other Financial Options for Care

In addition to the state specific programs that assist in covering the cost of elderly care in Kansas, there are also federal and non-profit programs available. In order to find other programs that assist in paying for care or reduce your out-of-pocket cost, make sure to use our Resource Locator Tool.  This tool makes it easy to locate and consider all of your options and choose the program that best fits the circumstances. Eldercare loans and programs that aid veterans with assisted living are other available options.

Finding Affordable Care

Given the extremely large variance in the cost of elderly care in Kansas, particularly with assisted living and adult day care, one of the best cost saving measures is to find a provider that offers affordable care. When looking for affordable care assistance, it’s important to check with multiple providers. To assist in your search, our organization has partnered with other organizations that maintain large databases of care providers. They will assist in matching your needs and budget with qualified providers in your area. To find affordable care, click here to get started.   

Top Cities for Senior Care in Kansas

For more information about the costs and resources available in Kansas cities, click on the links below.