Cost Comparison Tool

You may eventually need some kind of long-term services and supports. This Cost Comparison Tool features the general costs of the different types of services and supports that may be available for you, and helps you plan for your future.

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How do I pay
for care?
Your payment options depend on your situation. Some payment options include: Private pay, long-term care insurance, Medicare and Medicaid. Medicare and private insurances only cover a limited amount of long-term services and supports. If Medicare or long-term care insurance does not cover the cost of your care and you have limited private resources, you can apply for Medicaid. Visit the payment options page for more information.
The above cost is based on the average daily cost of nursing home care and includes the cost of room and board, meals and nursing care. You will be responsible for the cost of your care.
The above cost is based on the average cost of room and board in an assisted living facility plus the average cost of in-home care. You will be responsible for the cost of room and board plus care.
The above cost assumes the average cost for a full-time live-in caregiver. Use the calculator below to revise the average cost closer to your specific cost.
Cost Calculator
The above cost assumes the average hourly cost of in-home care and factors in an average of 7 hours per day for daily care needs. Use the calculator below to revise the average cost closer to your specific cost.
Cost Calculator
What happens if you apply for Medicaid?
Before you can become eligible for Medicaid you will be asked to use your personal resources and/or other payment options to pay for your care needs. You will be asked to meet certain asset and income requirements and provide documentation. If you are living alone, you will also be asked to make a bona fide effort to sell your home. You will eligible for Medicaid once you meet the income and asset requirements. When your home is sold the proceeds from the sale of your home will be counted toward your assets and will be spent to pay for your care. If there are other people living in your home, there are important exceptions related to the sale of your home.
Medicaid does not typically cover assisted living. While there are a few exceptions, once you have spent your resources and you have no other payment options, will have to move out of the assisted living facility.
Before you can become eligible for Medicaid you will be asked to use your personal resources and/or other payment options to pay for your care needs. You will be asked to meet certain asset and income requirements and provide documentation. Medicaid pays for the cost of in home care required for your needs, but not typically 24 hour live-in care. Medicaid will not require you to sell your home if you continue living there. Additionally, you may be eligible for coverage of the cost of home modifications that make living at home easier as your needs change.
Before you can become eligible for Medicaid you will be asked to use your personal resources and/or other payment options to pay for your care needs. You will be asked to meet certain asset and income requirements and provide documentation. Medicaid pays for the cost of in home care required for your needs, but not typically 24 hour live-in care. Medicaid will not require you to sell your home if you continue living there. Additionally, you may be eligible coverage of the cost of home modifications that make living at home easier as your needs change.

Nursing Home

Nursing homes are licensed facilities that provide care including skilled nursing, rehabilitation, meals, personal care and supervision to people with unstable or chronic conditions.

This calculation is based on a daily average cost of $441 per day and includes the cost of room and board, meals and nursing care.

Source: https://portal.ct.gov/OPM/PDPD-HHS-Long-Term-Care/Consumer/Partnership-Consumer-Private-Pay-Rates. Last Modified: 04/2020

Your monthly private pay responsibilities:
$13,230
Don't keep your home Don't choose your meals Don't control your schedule
Additional Information

How do I pay for care?

Your payment options depend on your situation. Some payment options include: Private pay, long-term care insurance, Medicare and Medicaid. Medicare and private insurances only cover a limited amount of long-term services and supports. If Medicare or long-term care insurance does not cover the cost of your care and you have limited private resources, you can applyfor Medicaid. Visit the payment options page for more information.

The above cost is based on the average daily cost of nursing home care and includes the cost of room and board, meals and nursing care. You will be responsible for the cost of your care.

What happens if you apply for Medicaid?

Before you can become eligible for Medicaid you will be asked to use your personal resources and/or other payment options to pay for your care needs. You will be asked to meet certain asset and income requirements and provide documentation. If you are living alone, you will also be asked to make a bona fide effort to sell your home. You will eligible for Medicaid once you meet the income and asset requirements. When your home is sold the proceeds from the sale of your home will be counted toward your assets and will be spent to pay for your care. If there are other people living in your home, there are important exceptions related to the sale of your home.

Assisted Living

Assisted living communities are residential communities that provide a private apartment within a communal setting. Meals, housekeeping, transportation and maintenance services are provided in addition to assisted living services such as some nursing, personal care and medication assistance.

The calculation is based on a monthly average cost of room and board only ($4,880) plus the average cost of in-home care ($5,684). Average cost of in-home care is based on a person needing 7 hours a day for a home health aide, 7 days a week at $29/hour.

Source: https://longtermcare.acl.gov/costs-how-to-pay/costs-of-care.html. Last Modified: 10/10/2017

Your monthly private pay responsibilities:
$10,564
Don't keep your home Choose your meals Control your schedule
Additional Information

How do I pay for care?

Your payment options depend on your situation. Some payment options include: Private pay, long-term care insurance, Medicare and Medicaid. Medicare and private insurances only cover a limited amount of long-term services and supports. If Medicare or long-term care insurance does not cover the cost of your care and you have limited private resources, you can applyfor Medicaid. Visit the payment options page for more information.

The above cost is based on the average cost of room and board in an assisted living facility plus the average cost of in-home care. You will be responsible for the cost of room and board plus care.

What happens if you apply for Medicaid?

Medicaid does not typically cover assisted living. While there are a few exceptions, once you have spent your resources and you have no other payment options, will have to move out of the assisted living facility.

Live-in Care

If you need help with several activities of daily living, live-in care provides around-the-clock home care or overnight support. You may either directly hire or go through an agency to receive these services to best meet your specific needs.

The average cost of care is estimated around $271 per day.

Source: https://portal.ct.gov/OPM/PDPD-HHS-Long-Term-Care/Consumer/Partnership-Consumer-Private-Pay-Rates, Last Modified: April 2020

Your monthly private pay responsibilities:

Keep your home Choose your meals Control your schedule
Additional Information

How do I pay for care?

Your payment options depend on your situation. Some payment options include: Private pay, long-term care insurance, Medicare and Medicaid. Medicare and private insurances only cover a limited amount of long-term services and supports. If Medicare or long-term care insurance does not cover the cost of your care and you have limited private resources, you can applyfor Medicaid. Visit the payment options page for more information.

The above cost assumes the average cost for a full-time live-in caregiver.

What happens if you apply for Medicaid?

Before you can become eligible for Medicaid you will be asked to use your personal resources and/or other payment options to pay for your care needs. You will be asked to meet certain asset and income requirements and provide documentation. Medicaid pays for the cost of in home care required for your needs, but not typically 24 hour live-in care. Medicaid will not require you to sell your home if you continue living there. Additionally, you may be eligible for coverage of the cost of home modifications that make living at home easier as your needs change.

In-home Care

In-home care includes a broad range of services that enable you to receive support and thrive in your home, rather than in a hospital or nursing home. In-home care is scheduled based on hours needed.

Typically, a person with high level of care needs about 7 hours per day of care. The average cost is $29 per hour for a home health aide.

Source: https://portal.ct.gov/OPM/PDPD-HHS-Long-Term-Care/Consumer/Partnership-Consumer-Private-Pay-Rates, Last Modified: April 2020

Your monthly private pay responsibilities:

Keep your home Choose your meals Control your schedule
Additional Information

How do I pay for care?

Your payment options depend on your situation. Some payment options include: Private pay, long-term care insurance, Medicare and Medicaid. Medicare and private insurances only cover a limited amount of long-term services and supports. If Medicare or long-term care insurance does not cover the cost of your care and you have limited private resources, you can applyfor Medicaid. Visit the payment options page for more information.

The above cost assumes the average hourly cost of in-home care and factors in an average of 7 hours per day for daily care needs.

What happens if you apply for Medicaid?

Before you can become eligible for Medicaid you will be asked to use your personal resources and/or other payment options to pay for your care needs. You will be asked to meet certain asset and income requirements and provide documentation. Medicaid pays for the cost of in home care required for your needs, but not typically 24 hour live-in care. Medicaid will not require you to sell your home if you continue living there. Additionally, you may be eligible coverage of the cost of home modifications that make living at home easier as your needs change.

Monthly Living Expense Cost Calculator

This cost calculator helps you estimate your monthly living expenses. By combining your living expenses with the cost of care, you will have a better understanding of the total costs of receiving care in your home.


Rent/Mortgage:

Food:

Vehicle/Maintenance:

Home maintenance:

Entertainment:

Other costs (these may include personal care, debts, hobbies, etc):

Your total monthly living expenses:

Nursing Home

Nursing homes are licensed facilities that provide care including skilled nursing, rehabilitation, meals, personal care and supervision to people with unstable or chronic conditions.

This calculation is based on a daily average cost of $441 per day and includes the cost of room and board, meals and nursing care.

Source: https://portal.ct.gov/OPM/PDPD-HHS-Long-Term-Care/Consumer/Partnership-Consumer-Private-Pay-Rates. Last Modified: 04/2020


Don't keep your home Don't choose your meals Don't control your schedule
$13,449
Assisted Living

Assisted living communities are residential communities that provide a private apartment within a communal setting. Meals, housekeeping, transportation and maintenance services are provided in addition to assisted living services such as some nursing, personal care and medication assistance.

The calculation is based on a monthly average cost of room and board only ($4,880) plus the average cost of in-home care ($5,684). Average cost of in-home care is based on a person needing 7 hours a day for a home health aide, 7 days a week at $29/hour.

Source: https://longtermcare.acl.gov/costs-how-to-pay/costs-of-care.html. Last Modified: 10/10/2017


Don't keep your home Choose your meals Control your schedule
$12,688
Live-in Care

If you need help with several activities of daily living, live-in care provides around-the-clock home care or overnight support. You may either directly hire or go through an agency to receive these services to best meet your specific needs.

The average cost of care is estimated around $271 per day.

Source: https://portal.ct.gov/OPM/PDPD-HHS-Long-Term-Care/Consumer/Partnership-Consumer-Private-Pay-Rates, Last Modified: April 2020


Keep your home Choose your meals Control your schedule
In-home Care

In-home care includes a broad range of services that enable you to receive support and thrive in your home, rather than in a hospital or nursing home. In-home care is scheduled based on hours needed.

Typically, a person with high level of care needs about 7 hours per day of care. The average cost is $29 per hour for a home health aide.

Source: https://portal.ct.gov/OPM/PDPD-HHS-Long-Term-Care/Consumer/Partnership-Consumer-Private-Pay-Rates, Last Modified: April 2020


Keep your home Choose your meals Control your schedule

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