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Costs of Assisted Living in Missouri

The cost for Assisted Living Care in Missouri state averages almost $2,500 per month, (close to $30,500 a year). The costs vary greatly from city to city - for example, Assisted Living in Springfield, Missouri costs $2,100 monthly, while those living in St. Louis pay almost $4,000 per month. The costs also may fluctuate from facility to facility for Missouri seniors with dementia and Alzheimer's.

The U.S. average cost for Assisted Living is $3,293 per month, and Missouri's assisted living is quite a bit less expensive at $2,500. Nursing homes in Missouri are much more expensive than assisted living facilities - with semi-private rooms costing over $51,000 per year, and a private room carrying a cost of over $55,000 annually.

Adult Day Health Care in Missouri averages $1,600 per month or around $19,500 per year. A Home Health Aide in Missouri costs, on average $3,500 a month, over $41,000 annually. This is almost $11,000 more than the cost of an Assisted Living Facility in Missouri. The cost of a Home Health Aide is based on a 44-hour-week, whereas Assisted Living provides 24-hour care. To receive similar care at your own residence you would need 3.8 Home Health Aides per week which would cost around $13,000 every month. Home Health Aides usually do not do housekeeping nor do they come with licensed nurses that you find in Assisted Living Facilities. It is estimated that by the year 2030, Assisted Living in Missouri will cost almost $45,400 per year – an increase of around $15,400.

Within Missouri itself, the costs of Assisted Living Care vary as well, for example, these are the latest approximate costs of a monthly stay in an Assisted Living Facility in Missouri:

  • Springfield, Missouri - $2,100;
  • St. Joseph, Missouri - $2,300;
  • Cape Girardeau, Missouri - $2,320;
  • Jefferson City, Missouri - $2,700;
  • Joplin, Missouri - $2,940;
  • Kansas City, Missouri - $3,000;
  • Columbia, Missouri - $3,810;
  • St. Louis, Missouri - $3,970.

The state of Missouri is a state in the Midwestern part of the United States. Missouri is the 18th most populated state in America with an estimated 6.1 million people. It has an area of 69,704 square miles and is the 21th largest state in the nation. The state density is 18th in the nation with 87 people per square mile.

With the 20th highest percentage of senior citizens at 15.37%, is the “Show Me State” a good choice for a senior looking to retire?

Assisted Living Services and Amenities in Missouri

Assisted living facilities in Missouri offer a wide range of services and amenities tailored to meet the needs of seniors who require assistance with daily activities but do not need full-time medical care. These services are designed to promote independence while ensuring safety and comfort.

1. Personal Care Services

Residents in Missouri’s assisted living facilities receive personalized care to help with activities such as bathing, dressing, grooming, and toileting. Caregivers are available 24/7 to assist with these tasks, allowing residents to maintain their dignity and comfort. Many facilities also offer assistance with mobility, ensuring residents can move safely within the community.

2. Medication Management

Facilities provide medication management services, including reminders, assistance with self-administered medications, and in some cases, professional nursing staff to administer medications. This helps ensure that residents stay on top of their prescribed treatments and medications.

3. Meal Services

Most assisted living communities in Missouri provide three meals a day, often prepared by trained chefs to meet residents’ nutritional needs. Special diets, including low-sodium, low-sugar, gluten-free, and other medically necessary diets, are usually accommodated. In addition to meals, many facilities offer snacks throughout the day, and dining experiences are designed to be social, with some communities offering private dining options.

4. Housekeeping and Laundry

Facilities typically offer housekeeping services that include cleaning common areas and personal living spaces. Laundry services are also provided, ensuring residents have clean clothes and bedding without having to worry about these tasks. These services help residents focus on their well-being and social activities rather than on day-to-day chores.

5. Transportation Services

Assisted living communities in Missouri often provide transportation services to help residents get to medical appointments, grocery shopping, or social events. Some facilities have their own buses or vans, while others arrange for transportation with local services. This ensures that residents who do not drive can maintain independence and stay connected to their community.

6. Social and Recreational Activities

Social engagement is a key component of assisted living in Missouri. Facilities offer a variety of activities such as arts and crafts, exercise programs, games, movie nights, and musical performances. Many communities also have scheduled outings for shopping, sightseeing, or dining. These activities promote mental and emotional well-being by providing opportunities for residents to interact and stay active.

7. Fitness and Wellness Programs

In Missouri, assisted living facilities may offer fitness programs tailored to older adults, such as chair yoga, walking groups, or strength training. Wellness programs may also include regular health screenings, stress reduction techniques, and even access to on-site physical therapy or rehabilitation services to help residents stay fit and healthy.

8. Memory Care

Some assisted living facilities in Missouri provide specialized memory care for residents with Alzheimer’s disease or other forms of dementia. Memory care units offer a secure environment with staff trained in memory care techniques, ensuring that residents receive the appropriate care and supervision. These units often include enhanced safety features, such as locked doors and monitored exits, to prevent wandering.

9. 24-Hour Security and Emergency Response

Assisted living facilities in Missouri are typically equipped with safety features such as emergency call systems, security cameras, and alarm systems to ensure residents’ security around the clock. In addition, staff are available at all hours to respond to emergencies, providing peace of mind to both residents and their families.

10. Private and Shared Living Options

Assisted living communities offer a range of living arrangements, including private and shared rooms or apartments. Many facilities provide options for individual living spaces with private bathrooms, kitchenettes, and personalized climate control. These arrangements ensure that residents can enjoy privacy while also benefiting from the support and social opportunities that assisted living offers.

11. Pet-Friendly Policies

Some assisted living facilities in Missouri welcome pets, recognizing the emotional and therapeutic benefits animals bring to residents. Pet-friendly policies often include areas where residents can walk and play with their pets, helping maintain a sense of companionship and comfort.

12. Spiritual and Religious Services

Many assisted living communities in Missouri provide spiritual or religious services as part of their holistic care approach. This may include on-site chapels, visits from clergy, or scheduled prayer and worship services. These services help meet the spiritual needs of residents who seek comfort through their faith.

13. On-Site Health Services

Some facilities offer access to on-site health services, including visits from physicians, nurses, and other healthcare professionals. This may include routine check-ups, therapy, and other health services that allow residents to receive care without having to leave the community. In more specialized cases, some facilities offer more intensive health services, such as rehabilitation therapy or palliative care.

Types of Missouri Assisted Living Communities

Missouri offers a variety of assisted living communities designed to meet the diverse needs of older adults, with different levels of care, amenities, and services available. These communities cater to individuals who need assistance with daily living activities but do not require the level of care provided in nursing homes. Here are some key types of assisted living communities you can find in Missouri:

1. Traditional Assisted Living Communities

These are the most common type of assisted living facilities in Missouri. Traditional assisted living communities are designed to provide seniors with the assistance they need while promoting independence and dignity. Residents in these communities have access to personal care services, including help with activities like bathing, dressing, medication management, and housekeeping. Additionally, these facilities often feature communal dining rooms, social activities, transportation services, and wellness programs.

2. Memory Care Assisted Living

Memory care communities are specialized assisted living facilities designed specifically for individuals with Alzheimer's disease, dementia, or other memory-related conditions. In Missouri, memory care communities are equipped with trained staff who can manage the unique challenges of residents with cognitive impairments. These communities are typically secure and designed to reduce confusion and agitation, with structured routines and activities tailored to the needs of individuals with memory loss. Enhanced safety features, such as alarm systems and secured outdoor spaces, are common in these facilities.

3. Independent Living with Assisted Living Support

Some assisted living communities in Missouri offer a blend of independent living with the option for additional support when needed. These communities cater to seniors who are generally independent but may require occasional assistance with daily tasks. Residents typically have their own apartments or homes, and services such as meals, housekeeping, and transportation are provided on a flexible, as-needed basis. This type of community allows for an easier transition to higher levels of care if the resident's needs increase over time.

4. Respite Care Assisted Living

Respite care communities in Missouri provide short-term stays for seniors who need temporary assistance due to illness, recovery from surgery, or caregiver relief. These communities are ideal for family members who need a break from caregiving or for those recovering from an event or surgery. Respite care services often include medical support, personal care, meals, and recreational activities, ensuring that the senior's needs are met while allowing family members peace of mind.

5. Continuing Care Retirement Communities (CCRCs)

Continuing Care Retirement Communities (CCRCs) in Missouri offer a range of care levels within the same community, from independent living to assisted living and skilled nursing care. These communities are designed for seniors who want to "age in place" and have access to varying levels of care as their needs change over time. Residents typically enter the community while still independent, but if their health declines, they can move into the more supportive assisted living or nursing care sections of the same facility without needing to relocate. CCRCs often require an entrance fee and may include long-term contracts.

6. Urban vs. Rural Assisted Living Communities

In Missouri, assisted living communities can be found in both urban and rural settings, offering different living experiences. Urban areas, such as St. Louis and Kansas City, tend to have larger, more modern facilities with more amenities and close proximity to hospitals, shopping centers, and cultural attractions. These facilities often cater to individuals looking for a more active lifestyle with access to local events and services. On the other hand, rural assisted living communities in Missouri may offer a quieter, more peaceful environment with a close-knit community feel. These facilities are ideal for those seeking a slower pace of life with natural surroundings and a more personalized, intimate setting.

7. Luxury Assisted Living Communities

For seniors who prefer a more upscale living experience, luxury assisted living communities are available in Missouri. These facilities offer higher-end amenities and services, such as fine dining, spa services, fitness centers, and concierge-level assistance. Residents of luxury communities can enjoy a more lavish lifestyle with private apartments, high-end furnishings, and additional services, often in beautifully designed, resort-like settings. These communities may have higher costs compared to standard assisted living, but they cater to individuals who prioritize comfort and luxury.

8. Faith-Based Assisted Living Communities

Missouri also has several faith-based assisted living communities that focus on providing care within the context of religious or spiritual beliefs. These communities integrate faith-based activities, such as prayer, religious services, and spiritual counseling, into their care programs. Residents may have opportunities for worship and fellowship with others who share their faith, and the staff is often trained to offer care with respect to the individual’s religious preferences.

9. Veterans’ Assisted Living Communities

Missouri offers specialized assisted living communities for veterans and their families. These communities are often funded or supported by the government and provide care to veterans who need assistance with daily living. In addition to general assisted living services, these communities may offer unique benefits, such as specialized programs, financial assistance, and connections to veteran-specific resources.

Safety and security measures in Missouri assisted living facilities

Missouri assisted living facilities prioritize the safety and security of their residents by implementing a variety of protocols designed to ensure well-being, protection, and emergency preparedness. These measures range from physical safeguards to staff training and technological support systems, ensuring a comprehensive approach to safety. Below are some key safety and security measures commonly found in Missouri-assisted living facilities:

1. 24-Hour Staffing and Surveillance

Most facilities maintain 24-hour staffing to ensure that assistance is always available. This includes a combination of medical and non-medical staff, who are trained to address emergencies and monitor residents’ needs. Additionally, many facilities install surveillance systems in common areas and on entrances to enhance security and monitor for potential issues.

2. Emergency Response Systems

Assisted living facilities in Missouri often equip residents with emergency response systems, such as wearable pendants or call buttons that allow residents to request assistance quickly in case of a fall, medical emergency, or other urgent situations. These systems are integrated with a central monitoring service that ensures a rapid response.

3. Security and Access Control

To maintain a secure environment, access to the building is typically controlled through locked entry points, requiring key cards, codes, or other identification methods to gain access. This helps prevent unauthorized entry and ensures that residents are protected from potential intruders.

4. Fall Prevention and Safety Features

Fall prevention is a key focus in Missouri’s assisted living facilities, with safety measures designed to reduce the risk of accidents. Common features include grab bars, non-slip flooring, and well-lit hallways. Additionally, staff members are trained to assist residents in mobility and are closely involved in monitoring their physical abilities to prevent falls.

5. Fire and Disaster Preparedness

Missouri assisted living facilities are required to follow stringent fire and disaster preparedness regulations. This includes regular fire drills, clear evacuation routes, and the installation of smoke detectors and sprinklers in all rooms and common areas. In the event of a fire or other emergency, residents can rely on staff who are trained in evacuation procedures and can assist those with mobility challenges.

6. Medication Management

Proper medication management is an essential part of the safety protocols in Missouri assisted living facilities. Staff are trained to monitor, dispense, and document the medication regimens of each resident, reducing the risk of medication errors. Many facilities utilize automated systems to track medication administration and schedule reminders for residents.

7. Background Checks for Staff

To ensure that residents are cared for by trustworthy individuals, Missouri assisted living facilities perform thorough background checks on all staff members. This includes criminal background checks, verifying work history, and sometimes checking for prior instances of abuse or neglect, ensuring that only qualified and vetted professionals care for vulnerable individuals.

8. Individualized Care Plans

Facilities create personalized care plans for each resident, ensuring that their unique medical and safety needs are met. This includes addressing specific conditions such as dementia, diabetes, or mobility impairments, and regularly updating the care plan to reflect any changes in health or safety requirements.

9. CCTV and Monitoring

In addition to emergency response systems, many facilities also use closed-circuit television (CCTV) for monitoring entrances, common areas, and outdoor spaces. This enhances security by deterring potential intruders and providing real-time monitoring of high-traffic areas.

10. Visitor Protocols

To further enhance safety, Missouri assisted living facilities establish protocols for managing visitors. This can include visitor sign-ins, designated visiting hours, and staff escorting visitors to ensure that residents are not exposed to potential harm.

11. Social and Recreational Safety

To promote social well-being while ensuring safety, activities and recreational programs are structured to ensure both fun and security. These activities are often supervised by staff, who are trained to handle any incidents that may arise during group events.

Moving to Missouri Assisted Living Facilities

Moving to an assisted living facility in Missouri can be an important step for seniors who require additional care and support. Missouri offers a variety of options for assisted living, each designed to cater to different needs, preferences, and budgets. Here's a detailed guide to help you navigate the process:

1. Research Available Options

Missouri has numerous assisted living facilities spread across the state, ranging from urban centers like St. Louis and Kansas City to rural areas with a more peaceful, slower-paced lifestyle. Each facility may offer different services, amenities, and living environments, so it's important to research and compare options.

Key factors to consider include:

  • Location: Proximity to family, friends, and medical services.
  • Size and layout of the facility: Whether the facility has private or shared rooms, apartment-style living, and communal spaces.
  • Specialized care options: Some facilities offer memory care or skilled nursing care for individuals with Alzheimer’s or other forms of dementia.

2. Determine Your Budget and Payment Options

The cost of assisted living in Missouri can vary significantly, depending on location, services, and amenities. Typically, monthly fees for assisted living range from $2,000 to $5,000, but the final cost will depend on the level of care required.

To cover these costs, consider the following payment options:

  • Private Pay: Using personal savings, pensions, or Social Security benefits.
  • Long-Term Care Insurance: If you have a policy that covers assisted living, this can help offset costs.
  • Veterans Benefits: Missouri residents who are veterans or the spouse of a veteran may qualify for financial assistance through the VA’s Aid and Attendance Program.
  • Medicaid: While Medicaid doesn’t cover the full cost of assisted living, some facilities may accept Medicaid for certain levels of care. It's essential to check if the facility you are interested in accepts Medicaid and what services it covers.

3. Evaluate Services and Amenities

Different assisted living facilities offer a range of services and amenities, so it's crucial to evaluate them based on your needs. Some of the key services to consider include:

  • Personal care assistance: Help with daily activities such as bathing, dressing, and grooming.
  • Health services: Medication management, nursing services, and transportation to medical appointments.
  • Social and recreational activities: Events, exercise programs, and opportunities for socialization to enhance quality of life.
  • Dining options: Whether meals are prepared on-site, and if there are choices for special diets (e.g., low-sodium, vegetarian).

4. Visit Potential Facilities

Before making a final decision, schedule visits to the facilities you're considering. This allows you to see the environment firsthand and speak directly with staff and residents. During your visit, take note of the following:

  • Cleanliness and maintenance: Ensure the facility is well-kept and hygienic.
  • Staff interactions: Observe how staff members interact with residents. Are they kind, attentive, and professional?
  • Resident feedback: Talk to current residents or their families about their experiences. They can provide valuable insights into the day-to-day life in the facility.

5. Review State Regulations and Licensing

Missouri is governed by specific state regulations to ensure the safety and quality of care in assisted living facilities. Each facility must be licensed by the Missouri Department of Health and Senior Services (DHSS) and is subject to periodic inspections to ensure compliance with state laws.

Before making a decision, you should:

  • Check the facility’s licensing status: Ensure the facility has a current, valid license.
  • Review recent inspection reports: This can reveal any potential concerns regarding staffing, safety, or care quality.

6. Plan the Transition

Moving into an assisted living facility requires careful planning to ensure a smooth transition. Here are some tips to help with the process:

  • Downsize and pack: Assisted living facilities typically offer smaller living spaces, so it’s important to downsize personal belongings to fit the new environment.
  • Personalize the space: Many residents feel more at home when they can bring personal items like photos, favorite furniture, and decorations.
  • Prepare family members: If you have family members or close friends involved in the decision-making process, ensure they are well-informed and can provide emotional support throughout the move.

7. Ongoing Monitoring and Communication

Once you’ve moved into an assisted living facility, it's important to monitor your loved one's care regularly. This can involve:

  • Scheduled family visits: Staying in touch with your loved one and the facility's staff.
  • Care plan updates: Regularly review your care plan to ensure that it meets the evolving needs of the resident.

Assisted living regulations and requirements in Missouri

In Missouri, assisted living facilities are regulated by the Missouri Department of Health and Senior Services (DHSS) under the Bureau of Residential Care. These regulations are designed to ensure that residents receive appropriate care in a safe and supportive environment. Below are the key regulations and requirements for assisted living facilities in the state:

Licensing and Certification

Assisted living facilities in Missouri must be licensed by the Department of Health and Senior Services to operate legally. Facilities must meet specific standards set by the state to qualify for a license. The licensing process includes a comprehensive review of the facility's physical environment, staffing, policies, and procedures. Additionally, the facility must be in compliance with federal regulations, including those under the Americans with Disabilities Act (ADA).

Staffing Requirements

Missouri law mandates that assisted living facilities have sufficient qualified staff to provide the necessary care and services for their residents. This includes ensuring staff are trained in basic caregiving, emergency procedures, and first aid. The facility must also have an administrator who holds a current administrator's license, which involves completing a training program and passing an exam.

Staff-to-resident ratios are not specifically prescribed by Missouri regulations for assisted living, but the facility must ensure that adequate staff are available to meet the individual needs of residents, including during emergencies and at night.

Resident Care and Services

Assisted living facilities in Missouri are required to provide personal care services, which may include assistance with activities of daily living (ADLs) such as bathing, dressing, grooming, eating, and mobility. Additionally, facilities are expected to support residents with medication management and may offer some nursing services, depending on the level of care required.

Facilities must also develop an individualized service plan for each resident, outlining the specific care needs, preferences, and goals of the resident. These plans are reviewed and updated regularly to reflect any changes in the resident's condition or needs.

Health and Safety Standards

Missouri regulations set forth strict requirements for health and safety standards in assisted living facilities. These include fire safety regulations, proper sanitation, and the use of appropriate medical equipment. Each facility is required to have fire alarms, sprinkler systems, and emergency exit plans that are clearly communicated to staff and residents.

Facilities must also maintain clean and sanitary conditions, including proper handling of food, waste, and laundry. In addition, assisted living homes must adhere to infection control protocols and provide residents with access to necessary medical care.

Resident Rights and Protections

Missouri law emphasizes the protection of resident rights within assisted living facilities. These rights include the ability to make decisions regarding their care, the right to privacy, and the right to be free from abuse, neglect, and discrimination. Residents must also be informed of their rights upon admission to the facility.

Facilities must ensure that residents have access to their medical records and are able to participate in decisions regarding their care plans. Facilities are also prohibited from evicting residents without just cause and must follow state procedures if they need to discharge a resident.

Admission and Discharge Policies

Assisted living facilities in Missouri must have clear admission and discharge policies. Residents are typically admitted based on an assessment of their medical and personal care needs, and a facility must ensure they can provide the appropriate level of care.

Discharge policies must be clearly outlined, with protections in place to ensure that residents are not discharged inappropriately or without adequate notice. In cases where a resident requires more specialized care, facilities must work to transition them to an appropriate facility.

Reporting and Inspections

Assisted living facilities in Missouri are subject to regular inspections by the Department of Health and Senior Services to ensure compliance with state regulations. These inspections may be unannounced and include assessments of the facility’s physical environment, staff, and resident care practices.

Facilities are required to address any deficiencies identified during inspections and must provide documentation of corrective actions. Additionally, complaints made by residents, their families, or staff members can trigger an investigation into the facility’s compliance with regulations.

Missouri Senior LivingWho pays for Assisted Living Care in Missouri?

Most often, Missouri Assisted Living care costs are paid for by Missouri Assisted Living Residents or their families. The state of Missouri has quite a few waiver programs for Home and Community Based Services (HBCS) and Long Term Care Facility Services for residents of different categories:

  • Aged and Disabled Waiver – this waiver helps Missouri seniors 63 years of age or older who need services without which they would be eligible for nursing home care. Eligibility for this program includes:
    • The individual requires nursing level of care;
    • 63 years of age or older;
    • Has been certified by the Department of Health and Senior Services to receive Home & Community Based (HCB) waiver services;
    • Maximum income limit of $1,281 – this amount changes annually;
    • Is eligible for MO HealthNet for Seniors (discussed later in the article), MO HealthNet for the Blind and Visually Impaired, or MO HealthNet for People with Disabilities;
    • Restricted on transferring property with some exceptions; and
    • A married couples’ resources must be less than $1000 after Division of Assets;
  • Independent Living Waiver – much like the Consumer-Directed State Plan Personal Care program and requiring the same eligibility, this waiver offers more personal assistance services than the state plan does. These services include, environmental adaptations for easier accessibility, case management, financial management, and specialized medical equipment and supplies;
  • Medically Fragile Adult Waiver – this waiver program is for those Missouri residents who have serious medical needs, but are no longer eligible for services under any children or youth programs. A person must be 21 years of age or older and have been assessed that without services they would require placement in an ICF/MR facility. Services included are attendant care, private duty nursing services, and specialized medical supplies;
  • AIDS Waiver – available to those who have been diagnosed as having AIDS or HIV-related illness and have been assessed to need nursing home level care without these services. Services included are personal care, private duty nursing, attendant care, as well as supplies such as diapers, gloves, and underpads;
  • Adult Day Care Waiver – this waiver offers care for disabled adults between the ages of 18 and 63 who would otherwise require nursing home level care. These services are provided in a licensed adult day care setting and include help with activities of daily living, group activities, food and nutrition services, skilled nursing services as necessary, and transportation to and from the adult day care facility;
  • DD Comprehensive Waiver – this waiver is for those with intellectual disabilities or developmental disabilities and who, without these services, require placement in an Intermediate Care Facility for the Intellectually Disabled (ICF/ID).
  • Partnership for Hope Waiver – used to prevent or delay institutionalization for those who require minimum services so that individuals can remain in the community. This waiver is available in 94 of the 114 counties in Missouri.

Other waiver programs that are offered by the state but are not targeted to seniors are the DD Community Support Waiver, Autism Waiver, and the Missouri Children with Developmental Disabilities Waiver.

Helpful State Programs for Seniors & Senior Living in Missouri

Missouri has quite a few programs to help seniors, many of these programs are coordinated by the ten Missouri Area Agencies on Aging, which is under the umbrella of the Missouri Aging Information Network. The other agency that Missouri senior citizens need to know is that of the Missouri Ombudsman. There are Ombudsman Offices located throughout the state, but you can contact the state Ombudsman in Jefferson City, Missouri at (800) 309-3282 or LTCOmbudsman@health.mo.gov.

MO HealthNet (Medicaid) for Seniors is the public assistance program that provides healthcare for those Missouri seniors who are 65 years of age or older and meet the following requirements:

  • Must be 65 years of age or older;
  • Must live in and intend to remain in Missouri;
  • Must be a United States citizen or an eligible qualified non-citizen;
  • If single, the senior can’t have resources that are worth more than $1,000; or, if married and living with their spouse the resources can’t be greater than $2,000. Note: certain resources are exempt, including the home that the person or their spouse or dependents live in, one automobile, household goods and certain other property;
  • The senior's net income can’t be greater than $834 per month and for a couple this amount is $1,129. If the monthly income is greater than this amount, then the person may become eligible when their medical expenses are so great that it makes the monthly income below this amount (this is called “Spend Down.)” Note: this amount changes yearly; and
  • The senior can’t be a resident of a public, private, or endowed institution, except for a public medical institution.

Missouri also provides the following services for elderly Missouri residents:

Nutrition Services:

  • Home-Delivered Meals – available to those who are eligible. The individual or a family member is interviewed to determine eligibility. In most states, to be eligible to receive meals, you must be unable to prepare meals by yourself;

Legal – legal or protective programs, both physical and emotional – that are available to Missouri State seniors:

  • Adult Protective Services – provides services for elderly adults who are physically and/or mentally impaired. If you think someone is being abused or neglected call 1-800-392-0210;
  • Missourians Stopping Adult Financial Exploitation (MOSAFE) – a program to educate financial institutions and consumers on how to stop attempted or occurring financial exploitation on Missouri senior citizens. There are videos, brochures, and a slide show to help teach people to recognize and report financial exploitation. If you believe that someone is being exploited financially, know that this is a form of abuse and you can call the Abuse and Neglect Hotline at 1-800-392-0210;
  • Alzheimer’s Safe Return Program – in a partnership with MedicAlert, a program is available in Missouri that allows a caregiver to call 911 and then MedicAlert if someone with dementia goes missing. Not only will the police be alerted, but a local Alzheimer’s chapter will be as well, to try and located the missing person. There is a cost associated with this as you must purchase a MedicAlert bracelet or necklace;
  • Show Me Falls Free MO – slips and falls by aged people are the leading cause of injury deaths for those 65 and older and the rate of injury in the state of Missouri is 31% greater than the national average. Falls are preventable and should not be thought of as a part of the normal aging process. The Show Me Falls Free program is a combination effort by more than 50 organizations to help seniors to prevent falls; and
  • Silver Haired Legislature – also called SHL – this is an elected body of people 60 years of age or older that help to promote legislative advocacy for Missouri’s senior citizen population. All members serve on a voluntary basis.

Pros and Cons of Senior Living in Missouri

Here are some things to consider for seniors when choosing whether to retire to Missouri:

  • Affordability – Missouri has a low cost of living, the 16th best in the nation;
  • Health Care – although the state overall rates poorly in health care, there are places where it is far above average. For example, St. Louis has at least two medical schools and the Barnes-Jewish hospital is known for its quality geriatric health care. The Branson area has three regional hospitals that all rank above average, and Kansas City is considered above average for health care.

There are also six medical schools in Missouri, including the world’s first school of osteopathic medicine in Kirksville, Missouri. Two schools are in St. Louis – St. Louis University School of Medicine and Washington University School of Medicine, and two are in Kansas City – Kansas City University of Medicine and Biosciences and the University of Missouri – Kansas City School of Medicine;

  • Missouri is Veteran-Friendly – both federal and state assistance is available to veterans throughout Missouri and those who are active duty can maintain close ties with veterans and veteran retirees. Whiteman Air Force Base has an office that helps retirees and families with benefits for which they are eligible and Fort Leonard Wood offers base housing to service retirees and their families. Missouri also does not tax military pensions;
  • Varied geography – although most of us think of St. Louis, Kansas City, or even Branson, Missouri is far more rural than it is urban; and
  • Colleges – there are 67 colleges and universities in Missouri – 13 public universities, 39 private four-year universities, and 13 community colleges. The University of Missouri is the state university we think of the most with the University of Missouri in Columbia, University of Missouri-Kansas City in Kansas City, Missouri University of Science and Technology in Rolla, and the University of Missouri in St. Louis. This allows seniors to take classes that you may not have had time for when you were younger, as well as to bring the college atmosphere to your home area.

Financial Information for Seniors

Missouri has a state income tax that covers 11 different brackets and ranges from 0 to 6%. There is a state sales tax of 4.225% and the state does not allow city or local areas to add to that amount.

Property taxes are assessed by the Missouri Tax Commission. Property is based on its usage. For example, residential is assessed at 19% of value, agricultural is 12%, and commercial is 32%. The Missouri Property Tax Credit Claim is a program which gives credit to certain senior citizens and those who are 100% disabled for a percentage of real estate taxes or rent that they have paid during the year.

Missouri does not have an Inheritance Tax, nor does it have an Estate tax.

Missouri is a moderately-friendly state for seniors, due to the following:

  • Income from Social Security is partially taxed;
  • Withdrawals from retirement accounts are fully taxed;
  • Wages are taxed at normal rates, in Missouri the rate is 6.0%;
  • Public pension income is partially taxed; and
  • Private pensions are fully taxed.

Missouri is a low-price state. For example, what you could purchase for $100 in Missouri is what you would expect to spend $111.86 on in another state. The cost of living is lower in Missouri overall than it is in other states in every category with housing being the biggest difference. Out of 100 points, Missouri came in with a cost of living of 89.60. Missouri rated lower in grocery (97.2), transportation (97), overall (90), health (96), miscellaneous (98), housing (73); but higher in utilities (102).

Places of Interest for Seniors Living in Missouri

There are many things that might be of interest for senior citizens in Missouri State. Some of the more interesting things that seniors, and those who visit them, may enjoy in Missouri include:

  • National World War I Museum and Memorial – located in Kansas City, Missouri;
  • St. Louis Zoo – located in St. Louis, Missouri;
  • Missouri Botanical Garden – located in St. Louis, Missouri;
  • Gateway Arch – located in St. Louis, Missouri;
  • National Tiger Sanctuary – located in Chestnutridge, Missouri.
  • The Magic House – located in St. Louis, Missouri;
  • The Butterfly Palace – located in Branson, Missouri;
  • Harry S. Truman Library and Museum – located in Independence, Missouri;
  • Jesse James Birthplace Museum – located in Kearney, Missouri; and
  • Big Joel’s Safari – located in Wright City, Missouri.

Some cities to consider for Missouri Senior Living:

As everyone has different preferences for what they want in a retirement location, we have picked a total of 10 best places for senior living in Missouri. Five of these picks are more urban and five are more rural.

  • Oakland, Missouri – located in St. Louis County, Missouri. It is a small community so there may not be many activities within Oakland itself; however, it is in St. Louis County so you would be close to the attractions St. Louis, Missouri offers. The population is less than 1,500 with 32.1% over the age of 65. Last year, Oakland rated #1 out of 196 “Best Places to Retire in Missouri,” #4 out of 196 of “Best Places to Buy a House in Missouri,” and #38 out of 118 of the “Safest Suburbs in St. Louis Metro;”
  • Memphis, Missouri – located in Scotland County, Missouri. Scotland County, Missouri has an interesting history, with Carthage, the county seat, the site of the first official engagement of the Civil War. Additionally, Joplin, Missouri is in Scotland, County. The population is around 2,000 people with 23.3% seniors over the age of 65;
  • Pleasant Valley, Missouri – located in Clay County, Missouri. Clay County, was settled by migrants from Kentucky, Tennessee, and Virginia who brought slaves with them and began to grow crops like hemp and tobacco. This led to the area being known as “Little Dixie.” The population is around 3,100 with 11.4% of the population being seniors over the age of 65. Last year, Pleasant Valley rated #2 out of 196 of the “Best Places to Retire in Missouri,” #16 out of 73 of the “Best Suburbs to Buy a House in Kansas City Metro,” and #14 out of 51 of the “Safest Suburbs in Kansas City Metro;”
  • Albany, Missouri – located in Gentry County, Missouri. There is a lot of history in this country and a few structures are listed on the National Register of Historic Places in Albany, including the Gentry County Courthouse and the Albany Carnegie Public Library. The population is around 1,700, 25.6% of which are over the age of 65;
  • Higginsville, Missouri – located in Lafayette County, Missouri. This small town was the former site of the Missouri Confederate Soldiers’ Home and, after the final Confederate Veteran died, the 135-acres was turned into a Confederate Memorial Cemetery and is listed on the National Register of Historic Places. The population is less than 5,000 with 20.2% senior citizens over the age of 65. Last year, Higginsville ranked #5 out of 196 of the “Best Places to Retire in Missouri,” #5 out of 162 of the “Safest Places to Live in Missouri,” #5 out of 110 of the “Safest Suburbs in Missouri,” and #30 of 73 of the “Best Suburbs to Buy a House in Kansas City Metro;”
  • Lancaster, Missouri – located in, and the county seat of, Schuyler County, Missouri. This small town is the home to the William P. Hall House, which was the home of William Preston Hall, an American showman and a circus businessman. The home is now on the National Register of Historic Places. The population is less than 1,000 people of which 20.2% are over the age of 65. Lancaster is part of the Kirksville Micropolitan Statistical Area;
  • Chesterfield, Missouri – located in St. Louis County, Missouri. Chesterfield is a Western suburb of St. Louis. There are quite a few private schools in this town, such as Barat Academy, Chesterfield Day School, Ascension School and others. The Logan College of Chiropractic is also in Chesterfield and offers many different courses. The population is a little less than 50,000 with 20% of the population who are senior citizens 65 years of age or older. Last year, Chesterfield ranked #6 out of 196 of the “Best Places to Retire in Missouri,” #8 out of 196 of the “Healthiest Places to Live in Missouri,” #9 out of 196 of the “Best Places to Live in Missouri,” and #9 of 162 of the “Best Suburbs to Live in St. Louis Metro;”
  • Osceola, Missouri – located in, and the county seat of, St. Clair County, Missouri. The town is on the Osage River, and in 1861 the town was burned and the courthouse looted. This incident later became the movie “The Outlaw Josey Wales” in 1978, starring Clint Eastwood. The population of Osceola is estimated to be right around 1,000 people with approximately 20% of whom are 65 years of age of older;
  • Nevada, Missouri – located in, and the county seat of Vernon County, Missouri. Nevada, Missouri is home to “Cottey College” which is an independent college for women specializing in liberal arts and sciences. Cottey College is the only nonsectarian college in America which is both owned by and supported by women. The population was estimated to be around 8,100 a few years ago, of which an estimated 18% were over the age of 65. Last year, Nevada ranked #12 of 196 of the “Best Places to Retire in Missouri,” and #99 of 196 of the “Most Diverse Places to Live in Missouri;” and
  • Brookfield, Missouri – located in Linn County, Missouri. The town on Brookfield holds the “Great Pershing Balloon Derby” on Labor Day weekend. Marceline is known to Disney fans because Walt Disney spent time in the town in his younger years. The population of Brookfield is estimated to be around 4,400, with an estimated 25% who are seniors 65 years of age or older.

Common Questions About Assisted Living in Missouri

1. What is assisted living, and is it available in Missouri?

Assisted living is a senior care option that provides housing, personal care, and support services to seniors who may need assistance with activities of daily living. It is indeed available in various cities across Missouri, including St. Louis, Kansas City, and Springfield.

2. How much does assisted living cost in Missouri?

The cost of assisted living in Missouri can vary depending on the location, services offered, and the level of care required. On average, it ranges from $3,000 to $5,000 per month. In cities like Columbia and Jefferson City, it may be at the lower end of this range, while in St. Louis or Kansas City, it might be higher.

3. What are the admission requirements for assisted living facilities in Missouri?

Admission requirements for assisted living facilities in Missouri typically include an assessment of the resident's needs, a medical evaluation, and completion of necessary paperwork. It's important to contact the specific facility for detailed admission criteria, as they may vary.

4. Are there assisted living facilities with memory care in Missouri?

Yes, there are assisted living facilities in Missouri that offer memory care services for individuals with Alzheimer's or other forms of dementia. Cities like Springfield and Columbia have options for memory care within assisted living communities.

5. How does assisted living compare to nursing homes in Missouri?

Assisted living in Missouri provides a more independent living environment with assistance in daily activities. Nursing homes, on the other hand, offer more extensive medical care and are suitable for individuals with higher medical needs. The choice depends on the individual's requirements.

6. What cities in Missouri have a high number of assisted living facilities?

Cities like St. Louis, Kansas City, Springfield, and Columbia have a significant number of assisted living facilities. These cities offer a variety of options to choose from, catering to different preferences and needs of seniors.

7. Is financial assistance available for seniors in Missouri who need assisted living?

Yes, Missouri offers several programs and financial assistance options for seniors who need assisted living but have limited financial resources. The state's Medicaid program and other nonprofit organizations may provide support. Eligibility criteria apply, so it's important to check with the local authorities for details.

8. What amenities are commonly found in assisted living facilities in Missouri?

Assisted living facilities in Missouri typically offer amenities such as communal dining areas, wellness programs, transportation services, housekeeping, and various recreational activities. The specific amenities may vary from one facility to another, so it's advisable to inquire about the amenities provided by a particular community.

9. Can residents in Missouri assisted living facilities have pets?

Many assisted living facilities in Missouri are pet-friendly and allow residents to have pets, such as cats or small dogs. However, there may be restrictions or guidelines in place, such as size limits or breed restrictions. It's best to check with the specific facility's pet policy.

10. What should I look for when choosing an assisted living facility in Missouri?

When selecting an assisted living facility in Missouri, consider factors like location, cost, services offered, staff qualifications, facility reviews, and the atmosphere. Visiting the facility in person and talking to current residents and their families can also provide valuable insights into whether it's the right fit for you or your loved one.

11. Are there specialized assisted living options for veterans in Missouri?

Yes, Missouri offers specialized assisted living options for veterans, including VA-funded facilities and programs. Veterans and their spouses may be eligible for certain benefits that can help cover the costs of assisted living. Contact the VA or a local veterans' assistance office for more information.

12. What are the regulations governing assisted living facilities in Missouri?

Assisted living facilities in Missouri are regulated by the Department of Health and Senior Services (DHSS). They must adhere to state licensing requirements and regulations to ensure the safety and well-being of residents. You can check the DHSS website for more information on these regulations and the compliance status of specific facilities.

13. What is the average staff-to-resident ratio in Missouri assisted living facilities?

The staff-to-resident ratio in Missouri assisted living facilities can vary depending on the size and type of the facility. On average, you can expect a ratio of around 1 staff member for every 5 to 7 residents. However, this ratio may differ, so it's a good idea to ask about staffing levels during your facility visits.

14. Are there religious-based assisted living communities in Missouri?

Yes, there are religious-based assisted living communities in Missouri that cater to specific faiths and denominations. These communities often provide spiritual support and activities aligned with their religious beliefs. If you're looking for such a community, you can inquire about them when researching assisted living options.

15. What is the process for moving into an assisted living facility in Missouri?

The process for moving into an assisted living facility in Missouri typically involves assessing your needs, selecting a facility, completing paperwork, and transitioning to your new home. Start by contacting the facility you're interested in to discuss availability, schedule tours, and obtain guidance on the admission process.

16. What is the average age of residents in Missouri assisted living facilities?

The average age of residents in Missouri assisted living facilities varies, but it typically ranges from the mid-70s to early 80s. However, there can be residents both younger and older, depending on individual needs and preferences.

17. Can residents in Missouri assisted living facilities maintain their independence?

Yes, residents in Missouri assisted living facilities are encouraged to maintain their independence to the extent possible. These facilities offer assistance with daily tasks while respecting the residents' autonomy. Residents can often choose their activities and level of engagement in community life.

18. Do assisted living facilities in Missouri offer transportation services for residents?

Many assisted living facilities in Missouri provide transportation services for residents. This service helps residents attend medical appointments, outings, and other activities. However, it's advisable to inquire about the transportation options available at a specific facility.

19. Can residents personalize their living spaces in Missouri assisted living facilities?

Yes, residents are often encouraged to personalize their living spaces in Missouri assisted living facilities. They can bring their own furniture, decorations, and personal belongings to create a comfortable and familiar environment. However, there may be some guidelines or restrictions to ensure safety and accessibility.

20. Are there respite care options available in Missouri assisted living facilities?

Yes, many Missouri assisted living facilities offer respite care services. Respite care provides temporary relief to caregivers, allowing their loved ones to stay in the facility for a short period. It can be beneficial for those who need assistance but don't require long-term residency.

Cities and Counties With Assisted Living Facilities in Missouri

Don't see your city/town/village on the list? Please use our search bar at the top of the page to search through 1054 senior living options from 301 cities, towns and villages in Missouri. Simply enter your city name or zip code.

SeniorGuidance.org provides comprehensive resources on various senior living options, including: assisted living facilities, senior living communities, nursing homes, independent living communities, continuing care retirement communities (CCRC) and all other long term senior care options, including memory care such as Alzheimer's or Dementia.

Additional senior living options in Missouri:

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