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Costs of Assisted Living in Montana

The average cost of care in an Assisted Living facility in America is $3,628 per month while the state median in Montana is a little less, at $3,513. The cost of Assisted Living in Montana is a tad lower than the national average, although Montana has a higher cost of living than the national average. Some facilities may be more or less expensive depending on their location, the level of care that is required to care for the residents, and the number of staff and training that is necessary to provide the appropriate level of care. Within the state of Montana alone, the costs of assisted living facilities vary, but not too much - from $3,200 per month in Great Falls to almost $3,900 in Billings, Montana.

Adult Day Health Care and Home Health Aides are other options that people use to care for seniors in America. In Montana, the state median for Adult Day Health Care averages almost $2,100 per month or close to $25,000 per year. A Home Health Aide in Montana costs, on average $4,385 a month, or over $52,000 annually. Home Health Day Care is usually only offered for between eight to twelve hours per day and the cost of a Home Health Aide is based on a 44-hour week. Therefore, in Montana, although most people would prefer to remain in their homes, it may be cheaper to look into in an assisted living facility. It is also important to remember while Home Health Aides are important and helpful, they are not licensed nurses, nor are there licensed nurses available if necessary which is something that is available in most Montana Assisted Living Facilities. Home Health Aides provide wonderful hands on care for clients, yet they usually do not do housekeeping that is part of the monthly payment at Assisted Living Facilities. In the state of Montana, the state median for care in an Assisted Living facility is cheaper than that of a Home Health Aide.

In Montana, a semi-private room in a nursing facility costs close to $80,000 per year, and a private room will cost close to $84,000 annually. By the year 2030, it is estimated that the cost of Assisted Living in Montana will be around $64,000 per year – an increase of over $20,000. The cost of Nursing Home Care will increase to approximately $120,000 for a semi-private room and almost $126,000 for a private room by 2030. Also, as the regulations increase in both nursing homes and in Assisted Living in Montana, the prices of care within these facilities will increase as well.

Within Montana 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 Montana:

  • Great Falls, Montana - $3,200;
  • Missoula, Montana - $3,200;
  • Billings, Montana - $3,899;

Assisted living services and amenities in Montana

Assisted living facilities in Montana provide a range of services and amenities designed to support residents who need help with daily activities while maintaining their independence and quality of life. These facilities focus on offering personalized care in a comfortable and homelike environment. Here are the key services and amenities typically offered:

1. Personal Care and Assistance

  • Assistance with Activities of Daily Living (ADLs): Staff assist with basic daily tasks such as bathing, dressing, grooming, eating, and mobility. This ensures residents can maintain personal hygiene and comfort while receiving support when needed.
  • 24-Hour Supervision: Trained staff are available around the clock to provide care and ensure residents' safety. Emergency response systems are in place for immediate assistance in case of any urgent needs.

2. Health and Medical Services

  • Medication Management: Residents receive help with taking their medications as prescribed, ensuring proper dosages and timing. Some facilities may offer medication reminders or even manage medication administration directly.
  • Access to Health Care Professionals: Many assisted living communities in Montana have partnerships with visiting doctors, nurses, physical therapists, and other healthcare professionals who provide routine health assessments, treatments, and care as necessary.
  • Physical, Occupational, and Speech Therapy: For residents recovering from surgeries or dealing with chronic health conditions, therapy services may be available onsite or coordinated with local providers.
  • Chronic Condition Management: Facilities often offer care for residents with specific medical conditions such as diabetes, heart disease, or dementia, with tailored care plans to monitor and manage these conditions.

3. Dining and Nutrition

  • Nutritious Meals: Assisted living communities typically provide three meals a day with well-balanced options to meet dietary needs. Some facilities also offer personalized meal plans for residents with special dietary requirements (e.g., low-sodium, gluten-free, diabetic-friendly).
  • Flexible Dining Options: Residents may have the option to eat in a dining room or in their private apartments. Some facilities offer a choice of meal times, allowing flexibility for residents.
  • Snacks and Beverages: Many facilities provide snacks and drinks throughout the day to ensure that residents have access to food at their convenience.

4. Social and Recreational Activities

  • Scheduled Activities: To encourage socialization and engagement, many assisted living facilities in Montana offer a variety of planned activities, including arts and crafts, group games, movie nights, and holiday celebrations.
  • Fitness Programs: Some communities have exercise programs designed to maintain or improve mobility and physical health, such as gentle yoga, stretching, or strength-building exercises.
  • Community Outings: Many facilities arrange transportation for residents to go on outings such as shopping trips, scenic tours, or visits to local attractions in Montana, providing a sense of connection to the wider community.

5. Housekeeping and Laundry Services

  • Housekeeping: Facilities typically offer regular housekeeping services, including cleaning of resident rooms and common areas. This ensures that residents live in a clean and comfortable environment without the worry of managing chores.
  • Laundry Services: Residents' personal laundry, including clothing and bedding, is often handled by the facility, making it easier for them to maintain their wardrobe without the stress of doing laundry themselves.

6. Transportation Services

  • Scheduled Transportation: Many facilities offer transportation to medical appointments, local stores, and community events. This is particularly helpful for residents who no longer drive but still want to stay active and engaged with the community.
  • Wheelchair Accessible Transport: For residents with mobility issues, facilities often have accessible transportation to ensure they can participate in outings or appointments.

7. Security and Safety Features

  • Emergency Call Systems: Most facilities are equipped with emergency call systems, such as pull cords or wearable alert buttons, so that residents can quickly summon help if they feel unwell or unsafe.
  • Security Systems: Many communities have security measures like locked doors or surveillance cameras to ensure residents' safety, particularly in areas with residents living with memory-related conditions.
  • Fire Safety and Evacuation Plans: Assisted living facilities follow state and federal guidelines to ensure they have up-to-date fire safety systems and evacuation plans in place for emergencies.

8. Memory Care and Specialized Services

  • Memory Support: Some Montana assisted living facilities offer specialized memory care units for residents living with Alzheimer's or other forms of dementia. These units provide enhanced safety and support with structured routines and activities designed to help with memory retention and cognitive function.
  • Behavioral Support: Facilities that offer memory care often provide behavioral health services, including therapy, social interaction, and support for both residents and their families.

9. Private and Shared Living Spaces

  • Private Apartments: Many assisted living communities offer private living spaces for residents, such as studios or one-bedroom apartments. These units typically include basic amenities like a private bathroom, kitchenette, and living area, giving residents their own space while also enjoying community support.
  • Shared Rooms: For those who prefer a more affordable option, some facilities offer shared rooms, where residents can have companionship and benefit from the communal living environment.
  • Personalized Decor: Residents often have the opportunity to decorate their rooms with personal items, giving them a sense of home and comfort in their living space.

10. Pet-Friendly Policies

  • Some assisted living communities in Montana welcome pets, allowing residents to bring their furry companions along. This can help improve the emotional well-being of residents by providing companionship and comfort.

Types of Montana Assisted Living Communities

Montana offers a variety of assisted living communities tailored to different needs and preferences, providing care options for seniors who require assistance with daily activities. These communities can vary in size, services, and atmosphere, allowing families to find the most suitable option for their loved ones.

1. Traditional Assisted Living

Traditional assisted living communities in Montana are designed to help seniors with activities of daily living (ADLs), such as bathing, dressing, and medication management. These communities offer a home-like environment with private or semi-private rooms and provide social activities, nutritious meals, and 24-hour staff availability. Some traditional assisted living communities may also offer memory care for residents with mild to moderate Alzheimer's or dementia.

2. Memory Care Assisted Living

Specialized memory care communities are focused on seniors living with Alzheimer's disease, dementia, or other cognitive impairments. These facilities have trained staff who understand the unique needs of individuals with memory-related conditions. Memory care communities in Montana are often secured to prevent wandering and may have specialized therapies, routines, and environments designed to promote safety and well-being. They may offer additional support such as life enrichment activities that stimulate memory and cognitive function.

3. Respite Care Assisted Living

Respite care communities provide short-term stays for seniors, offering family caregivers a break while ensuring their loved one receives the necessary care and attention. These facilities can accommodate seniors for a few days to several weeks and are ideal for individuals recovering from surgery or illness or for families who need temporary care. Respite care facilities in Montana are equipped with staff trained to meet the needs of residents during short stays, with services including meals, personal care, and social activities.

4. Independent Living with Support Services

Some assisted living communities in Montana offer a combination of independent living and assisted living services. These communities cater to seniors who are mostly independent but may need some level of support, such as transportation, housekeeping, or help with medication management. Independent living with support services offers a more flexible environment, allowing seniors to maintain independence while having access to assistance when needed. This type of community can be a good fit for those who want a more active lifestyle with an option for additional care if required.

5. Continuing Care Retirement Communities (CCRCs)

Continuing Care Retirement Communities in Montana offer a range of services, from independent living to skilled nursing care. CCRCs provide a continuum of care within the same community, allowing residents to age in place as their needs change over time. These communities offer various levels of care, including assisted living, memory care, and skilled nursing care, all under one roof. Residents in CCRCs can transition to a higher level of care as needed, while enjoying the peace of mind that comes with knowing they won't need to move to a new facility.

6. Faith-Based Assisted Living Communities

Faith-based assisted living communities in Montana provide a care environment that incorporates religious principles and practices. These communities may be affiliated with specific religious organizations or denominations, offering spiritual support and activities like worship services, prayer groups, and religious education. Many of these communities create a sense of community and belonging for residents who value their faith as part of their daily lives.

7. Rural Assisted Living Communities

In Montana's rural areas, assisted living communities are designed to cater to seniors who prefer a quieter, more serene lifestyle, often surrounded by scenic landscapes. These communities may be smaller and offer more personalized care due to the intimate nature of the environment. Rural assisted living communities tend to focus on creating a close-knit community where residents can enjoy the tranquility of the countryside while receiving the necessary support and services.

8. Luxury Assisted Living

Luxury assisted living communities in Montana provide a higher standard of comfort and amenities. These communities often feature upscale living spaces, fine dining options, and a wide range of recreational activities and services. Residents may enjoy amenities like fitness centers, spas, gourmet meals, concierge services, and transportation options. Luxury communities aim to offer an elevated lifestyle for seniors who want both assistance and comfort in a more opulent setting.

9. Veteran-Specific Assisted Living Communities

Veteran-specific assisted living communities in Montana cater to the unique needs of military veterans. These communities may offer specialized programs, veteran support groups, and accommodations that honor military service. Veterans may receive priority access to care services or financial assistance, and these communities often foster a sense of camaraderie among residents who share similar experiences.

Safety and security measures in Montana assisted living facilities

Montana assisted living facilities implement a variety of safety and security measures to ensure the well-being of residents. These measures are designed to provide a secure environment, protect against hazards, and offer support for individuals with different levels of care needs.

1. 24/7 Staff Availability

Assisted living facilities in Montana often have staff available around the clock to ensure quick responses to emergencies. This includes nursing staff, personal care aides, and security personnel. Having staff on-site at all times ensures that residents can get help whenever needed, whether it's medical attention or assistance with daily tasks.

2. Emergency Response Systems

Many facilities are equipped with state-of-the-art emergency call systems, allowing residents to alert staff in case of a fall, medical emergency, or other urgent situations. These systems are often in the form of wearable pendants or bracelets that allow residents to easily communicate with caregivers.

3. Fire Safety and Evacuation Plans

Fire safety is a top priority in Montana assisted living facilities, with regular fire drills, smoke detectors, fire alarms, and sprinkler systems installed throughout the buildings. Each facility is required to have a comprehensive evacuation plan that includes designated escape routes, emergency exits, and assembly points. Staff is trained to assist residents with mobility issues in the event of an emergency.

4. Secure Entry Points

To prevent unauthorized access, most Montana assisted living facilities use secure entry systems. These may include locked doors, keycards, or coded access points at the main entrances. This helps protect residents from external threats, ensuring that only authorized visitors or personnel are allowed into the facility.

5. Fall Prevention Measures

Fall prevention is a key aspect of safety in assisted living. Montana facilities often use mobility aids like grab bars in bathrooms, non-slip flooring, and wide doorways for wheelchair access. Additionally, staff may conduct regular assessments of residents' mobility and balance to identify any risks and implement personalized care plans to reduce the likelihood of falls.

6. Surveillance and Monitoring

Many facilities install security cameras in common areas to ensure the safety of residents. These cameras are strategically placed to monitor entrances, hallways, dining areas, and parking lots. The use of video surveillance provides an additional layer of security by deterring crime and allowing staff to monitor areas for unusual activity.

7. Medication Management and Safety

Medication safety is paramount in assisted living, and Montana facilities typically have well-organized systems for storing and administering medications. Medication management is often handled by licensed professionals who ensure that prescriptions are filled correctly, and doses are taken at the right times. This helps prevent medication errors that could compromise residents' health.

8. Personalized Care and Monitoring

Each resident receives an individualized care plan, which is reviewed and adjusted as needed. Care plans are tailored to the unique needs of each resident, which can include medical conditions, mobility assistance, and personal preferences. Continuous monitoring by trained caregivers ensures that any changes in the resident's health or needs are promptly addressed.

9. Outdoor Security and Fencing

Many assisted living facilities in Montana are located in suburban or rural areas with outdoor spaces for residents. To maintain security, these outdoor areas are often fenced and monitored to prevent residents from wandering off. Fencing and surveillance cameras in the yard help ensure that residents are safe while enjoying outdoor activities.

10. Visitor and Staff Screening

To ensure that only authorized individuals are allowed to interact with residents, facilities in Montana implement screening processes for visitors and staff. This may include background checks, visitor logs, and verification of identity. Staff members undergo thorough vetting processes, including criminal background checks and reference reviews, to ensure they are trustworthy and capable of providing high-quality care.

Moving to Montana Assisted Living Facilities

When considering a move to an assisted living facility in Montana, there are several key factors to take into account, ranging from the type of facility to the practical steps involved. Montana, known for its vast landscapes and serene atmosphere, offers a variety of assisted living options tailored to individuals seeking a supportive, community-oriented environment. Below is a comprehensive guide to help with your decision-making process:

1. Research the Types of Assisted Living Facilities Available

Montana offers a range of assisted living facilities to cater to different needs and preferences. The state’s offerings generally fall into several categories:

  • Traditional Assisted Living: These facilities provide help with daily activities such as bathing, dressing, and medication management. Residents have private or semi-private rooms, and there are communal spaces for meals and social activities.

  • Memory Care: For those suffering from Alzheimer’s disease or other forms of dementia, memory care units within assisted living facilities offer specialized care tailored to their cognitive needs. These facilities often have secure environments to prevent wandering.

  • Respite Care: Some assisted living facilities offer short-term stays for individuals recovering from surgery or illness, or to give caregivers a break. Respite care is a great option if you’re unsure about long-term placement.

  • Continuing Care Retirement Communities (CCRCs): These facilities provide multiple levels of care in one location, from independent living to skilled nursing care, allowing residents to transition as their needs change without having to move to a new facility.

2. Understand the Cost of Assisted Living in Montana

The cost of assisted living in Montana can vary significantly depending on the facility, location, and the level of care required. As a general guide, the average monthly cost in Montana is usually lower than in more urbanized states but can still be substantial. It’s important to consider the following:

  • Geographic Location: Facilities in larger cities like Billings or Missoula may be more expensive compared to smaller, rural areas, although they might also offer more amenities and healthcare services.

  • Level of Care Needed: If the resident requires more intensive assistance with daily activities or medical care, the cost will likely increase.

  • Additional Costs: Some facilities may charge extra for services like transportation, specialized care, or activities. It's essential to understand the full range of fees and determine which services are included in the base cost.

To finance assisted living in Montana, options include private pay, long-term care insurance, and potentially Medicaid, if the facility accepts it.

3. Consider the Location and Environment

Montana is renowned for its natural beauty, and the location of an assisted living facility should be carefully considered. The state offers a variety of environments, from rural, mountain-laden landscapes to more urban settings. Some factors to think about:

  • Proximity to Family and Friends: If being close to family members is important, choose a facility near your loved ones. Montana is a large state, so the distance between urban areas can be considerable.

  • Outdoor Activities: Many assisted living facilities in Montana offer access to outdoor recreation, like hiking or fishing, allowing residents to enjoy the state’s natural beauty.

  • Healthcare Services: Ensure that the facility is near hospitals or clinics that provide the healthcare services you may require, especially if you have specific medical needs. Larger cities like Billings and Missoula have excellent medical infrastructure, while rural areas may have fewer options.

4. Assess the Quality of Care and Facility Services

Montana’s assisted living facilities are regulated by the state to ensure they meet certain standards, but it’s still vital to assess the quality of care provided:

  • Licensing and Accreditation: Check that the facility is licensed by the Montana Department of Public Health and Human Services. Additionally, facilities that are accredited by the Commission on Accreditation of Rehabilitation Facilities (CARF) or another reputable organization may be held to higher standards.

  • Staffing and Training: Inquire about the staff-to-resident ratio and the training provided to caregivers. This is especially important for facilities offering memory care, where specialized training is needed for handling dementia patients.

  • Resident Reviews: Speak with current residents or their families to understand their experiences. Look for reviews or testimonials about the overall care, food quality, cleanliness, and activities offered.

5. Plan the Transition

Once you’ve selected a suitable assisted living facility, it’s time to plan the move. Transitioning to an assisted living facility can be an emotional and logistical challenge. Here are a few tips for making the process smoother:

  • Declutter and Downsize: Moving into a smaller space means you’ll need to downsize. Take time to sort through belongings and determine what’s necessary. Many assisted living facilities allow you to bring personal items to help make the space feel more like home.

  • Prepare for a New Routine: Moving to assisted living often means adjusting to a new schedule, with structured activities and meals. Talk to the facility about their daily routine so you can prepare for the change.

  • Involve Family and Friends: While adjusting to a new environment can take time, involving family and friends in the process can make the transition easier. Set up regular visits, phone calls, or virtual meetings to maintain strong social connections.

6. Legal and Medical Considerations

  • Medical Records and Healthcare Plan: Be sure to provide the facility with up-to-date medical records, including medications, allergies, and any specific healthcare needs. This ensures a smooth transition and continuity of care.

  • Legal Documents: If you haven’t already, consider setting up legal documents such as a power of attorney, living will, or healthcare proxy to ensure that your wishes are followed regarding healthcare decisions.

Assisted Living Regulations and Requirements in Montana

In Montana, assisted living facilities are regulated by the Montana Department of Public Health and Human Services (DPHHS) under the Division of Senior and Long-Term Care. These regulations are designed to ensure that residents receive the appropriate level of care while maintaining their dignity and independence. The key aspects of these regulations include licensing, staffing, care requirements, resident rights, and facility standards.

Licensing and Certification

All assisted living facilities in Montana must be licensed by the DPHHS. To obtain and maintain this license, facilities must meet specific state and federal regulations governing the operation of care homes, including safety standards, personnel qualifications, and reporting requirements. Licensing is required for any facility that provides room and board along with personal assistance services for seniors and adults with disabilities.

The licensing process includes an application, inspections, and the submission of specific operational plans that demonstrate compliance with state rules. Facilities must renew their licenses periodically, typically every year, and undergo unannounced inspections to ensure ongoing compliance.

Staffing Requirements

Assisted living facilities in Montana must have a sufficient number of qualified staff to meet the care needs of residents. These staff members must include administrators, nurses, direct care workers, and other support personnel.

The facility must have at least one administrator who is responsible for overseeing the operation of the facility. This administrator must hold a valid license issued by the DPHHS. Staff providing personal care must receive appropriate training, which includes understanding the needs of the elderly and those with disabilities, and they must undergo background checks to ensure they do not have a history of abuse or neglect.

In addition, facilities must have sufficient nursing staff to meet the medical needs of residents. The specific ratio of staff to residents varies depending on the facility’s size, level of care provided, and the residents’ individual needs.

Resident Care and Services

Assisted living facilities in Montana are required to provide services that promote the well-being and safety of residents. These services typically include assistance with activities of daily living (ADLs), such as bathing, dressing, grooming, and mobility. Facilities must also offer meals, housekeeping, and social activities designed to foster a healthy, engaging environment.

Health care services, including medication management, must be provided in accordance with the needs of each resident. For residents with medical conditions that require higher levels of care, the facility must either provide specialized services or arrange for outside medical care. Regular assessments are required to evaluate the resident’s care needs, and care plans must be developed and updated accordingly.

Resident Rights and Protections

Montana law mandates that all assisted living residents are entitled to certain rights to ensure their safety, dignity, and well-being. These rights include:

  • The right to live in a safe, clean environment
  • The right to be treated with dignity and respect
  • The right to make decisions regarding their care and treatment
  • The right to privacy in personal matters, including medical care
  • The right to participate in social and recreational activities
  • The right to access medical care and have their personal and health information kept confidential

Facilities must have clear policies in place to protect these rights, and residents must be informed of their rights at the time of admission. Complaints can be filed with the DPHHS if a resident believes their rights have been violated.

Safety and Building Standards

Facilities must meet strict safety and building standards to ensure the protection of residents. This includes requirements for fire safety, such as smoke detectors, fire exits, and sprinkler systems. Facilities must also comply with local zoning regulations and building codes to ensure that the physical environment is conducive to safe and comfortable living.

Emergency preparedness plans, including evacuation procedures and disaster response protocols, must be in place. Regular fire drills and safety checks are required to ensure staff and residents are familiar with emergency procedures.

Financial Requirements

Assisted living facilities in Montana must also meet certain financial standards to ensure they can provide ongoing services to residents. This includes maintaining proper insurance coverage and meeting the financial solvency requirements set by the DPHHS. Facilities must also have policies in place regarding the payment for services, including disclosure of fees and any additional charges that may apply to residents.

Oversight and Enforcement

The DPHHS conducts regular inspections of assisted living facilities to ensure compliance with state regulations. These inspections are unannounced and cover various aspects of facility operation, including care practices, staffing, safety standards, and resident rights. When violations are found, the facility may be issued a citation, and corrective action must be taken within a specified period. In severe cases, the facility’s license may be revoked.

Residents and their families can also report concerns or violations to the DPHHS, which may initiate an investigation into the facility's operations. Facilities are required to cooperate with these investigations and take corrective action as necessary.

Montana Senior Living CommunitiesThe state of Montana is in the western region of the United States and is bordered by three Canadian provinces (British Columbia, Alberta, and Saskatchewan) to the north, North Dakota and South Dakota to the east, Wyoming to the south, and Idaho to the west and southwest. Although not official, the state’s nickname is “Big Sky Country” and “The Treasure State.” Montana is a state that is often associated with the outdoors and it is home to Glacier National Park, Little Bighorn Battlefield National Monument, and part of Yellowstone National Park. There are also more than 100 named mountain ranges in the western half of Montana and between the mountains are river valleys such as the “Big Hole Valley,” “Gallatin Valley,” “Bitterroot Valley” and “Flathead Valley.” 60% of the state is prairie, part of the northern Great Plains. The capital of Montana is Helena, but the city of Billings is the only city in the state with over 100,000 people and is the largest city in the state. Missoula and Great Falls are the other two largest cities with over 50,000 residents each. The other “large” cities in Montana are Bozeman, Butte, Helena, Kalispell, and Havre. With a population of only 1.04 million people, Montana is the 44th most populated state in the nation with a population density of 7.09 people per square mile, ranking 48th in America. Montana has an area of 147,040 square miles, making it the 4th largest state in the nation – behind Alaska, Texas, and California.

Montana has the 6th highest percentage of senior citizens in the country, with approximately 14.8% of Montanans age 65 or older. However, is this rural state full of outdoor activities a wise option for seniors who are looking to live in Montana or to make a move during their older years?

Pros and Cons of Senior Living in Montana

Here are some things to consider for seniors when choosing whether to live and retire in Montana:

  • Low population – with only 1.02 million people living in 145,529 square miles the population density is a low 7 people per square mile;
  • Outdoor activities and beauty – almost 3.3 million acres of wilderness are administered by either the state or federal government – that is 35% of the total land in the state. Federally recognized parks in Montana include: Glacier National Park, three of the five entrances to Yellowstone National Park, Bighorn Canyon National Recreation Area, Little Bighorn National Monument, National Bison Range and Big Hole National Battlefield. There is another 16.8 million acres of forest in ten National Forests in the state and 8.1 million of acres is controlled by the U.S. Department of the Interior Bureau of Land Management. The areas managed by the National Park Services include: Big Hole National Battlefield, Glacier National Park, Bighorn Canyon National Recreation Area, Lewis and Clark National Historic Trail, Nez Perce National Historic Park, Yellowstone National Park and Little Bighorn Battlefield National Monument,;
  • Care for Veterans – Montana ranks as the second-best nation in the United States for retired Veterans, and first in healthcare for Veterans. Not only are there VA facilities all over the state, but Montana also ranks second in the proportion of veterans to the total population and has the largest number of veteran-owned businesses;
  • HealthCare – The Billings Clinic hospital system was ranked #1 by Consumer Reports and has branch facilities in other cities. The Kalispell-Whitefish resort area is ranked as one of America’s top hospitals; and
  • Crime Rate – the rate of violent and property crimes in the Montana is lower than the national average. On a scale from 1-100, violent crime in Montana ranks at a low 29, while property crime (burglary, larceny-theft, motor vehicle theft, and arson) in Montana ranks at 41. The U.S. Average for violent crime is 31.1 and for property crimes it is 38.1; but
  • Difficult to travel – traveling to Montana can be difficult. The drive is long, depending on where you are driving from, and flying requires you to change planes at either Salt Lake City or Denver, which can be confusing, expensive, and time-consuming.

Financial Information for Montana Seniors

Montana has an income tax that is divided into seven brackets – ranging from 1% to 6.9%. There is no state sales tax in Montana, nor are there any local sales taxes. However, there are resort and local option taxes in some communities and Montana has a “bed tax” of 4% on overnight lodging which goes to support the tourism promotion efforts of Montana. Property tax is assessed on farm equipment, heavy equipment, automobiles, trucks, and business equipment. There is also a per capita fee on livestock. Household goods and intangible goods are exempt from Montana’s property taxes. The amount of property tax owed is determined by a mathematical equation set by the Montana Legislature and then the additional county and city taxes are added. There are quite a few property tax relief and exemptions available in Montana.

Montana does not impose an inheritance tax since December 31, 2000. There is also no estate tax on deaths that occurred after January 1, 2005. Montana is moderately tax-friendly state for seniors, due to the following:

  • Income from Social Security in MT is partially taxed;
  • Withdrawals from retirement accounts in Montana are fully taxed;
  • Wages are taxed at normal rates, in Montana this is 6.9%;
  • Public pension income in MT is fully taxed; and
  • Private pension income in MT is fully taxed.

Montana is a lower-price state than the national average. For example, what you could purchase for $100 in Montana is what you would expect to spend $106.16 on in another state; however, the cost of living is higher in Montana than it is in other states with housing being the biggest difference. Out of 100 points, Montana ranked below the national average with a cost of living of 102.80. Montana rated higher in the categories of: overall (103), grocery (108.9), health (105), housing (104), and miscellaneous (103). Yet it ranked lower in transportation (98), and utilities (93.)

Places of Interest for Seniors Living in Montana

There are many things that might be of interest for senior citizens in Montana, many of which are outdoors or at national parks. We encourage you to research and visit some places that you would enjoy as every person, including seniors, enjoys different activities. However, some of the more interesting things that seniors, and those who visit them, may enjoy in Montana include:

  • Little Bighorn Battlefield National Monument – located in Crow Agency, Montana. This is a monument for the soldiers who died at Custer’s Last Stand (now known as the Battle of Little Bighorn), who are memorialized here, where the Plains Indians outnumbered Custer’s men and slaughtered them;
  • Cathedral of Saint Helena – located in Helena, Montana – this cathedral was built during the years when Helena had money to spend. It is designed after a cathedral in Vienna, Austria. It was damaged during the 1935 earthquake but was restored many years ago. In 1980, the Cathedral of Saint Helena was added to the National Register of Historic Places;
  • Clark Chateau – located in Butte, Montana – this historical mansion is located in uptown Butte and has exhibits and history which show the different families and organizations that have been housed here over the years;
  • Dumas Brothel Museum – located in Butte, Montana – this historic building is in the old Red-Light district in Uptown Butte, Montana. It was built in 1830s when the town of Butte was full of miners and remained open as a brothel until 1982, making it the longest running house of ill-repute in America. It is now listed on the National Register of Historic Places and is the last remaining building of Victorian Brothel style architecture in the US. Since 2012, the owners have been trying to restore the building and protect it. It is now an antique shop and museum and tours are available throughout the year;
  • National Bison Range – it contains 19,000 acres of natural grassland which is home to 500 bison and other animals;
  • Our Lady of the Rockies – located in Butte, Montana –a 90-foot statue that sits atop the Continental Divide. It was placed there on December 29, 1985 where it overlooks the city. The base of the statue sits 8510 feet above sea level and 3,500 feet above the city of Butte. At night the statue is lit and can be seen from different parts of the city. You can’t drive to the statue and must take a bus;
  • Flathead Lake – located near Polson, Montana – the largest freshwater lake west of the Mississippi River. Flathead Lake is a remnant of the last interglacial age. It is dammed by Kerr Dam and is one of the cleanest lakes in the world;
  • Going-to-the-Sun-Road – located in Glacier National Park, Montana – a scenic 52-mile highway that goes across the Glacier National Park and through the Continental Divide at Logan Pass;
  • Yellowstone Historic Center – located in West Yellowstone, Montana – this museum is housed in the original 1909 Union Pacific Railroad Depot and has both permanent and temporary collections which tell the stories to those traveling to Yellowstone as well as the history of the town of West Yellowstone. Free walking tours are available during the summer; and
  • Grizzly and Wolf Discovery Center – located in West Yellowstone, Montana – a place where you can see live grizzly bears and wolves at this accredited, not-for-profit Wildlife Park and Educational Facility. Some of the activities include: Keeper’s Kids, live Bird-of-Prey exhibits, Wolf Enrichment, Safety in Bear Country Programs, Yellowstone Park Ranger Talks, and a World-Class Bear Museum. It’s open 365 days a year and admission is good for two consecutive days.

Some cities to consider for Montana Senior Living

We have identified some of the best cities for Montana senior living, and they are as follows:

  • Great Falls, Montana – located in Cascade County, Montana. It is the third biggest city in Montana and is home to the University of Great Falls, C. M. Russell Museum Complex, Giant Springs, Great Falls College Montana State University, the Roe River, the Great Falls Voyagers minor league population, the Montana School for the Deaf and Blind and Malmstrom Air Force Base. The population of Great Falls, Montana is approximately 60,000 with almost 16% who belong to the senior community of age 65 or older. Last year, Great Falls ranked #1 out of 13 of the “Best Places to Retire in Montana,” #13 of 20 of the “Best Places to Live in Montana,” and #10 out of 20 of the “Best Places to Buy a House in Montana;
  • Whitefish, Montana – located in Flathead County – Whitefish is the home to a ski resort called “Whitefish Mountain Resort,” the “Stumptown Historical Society Museum,” the “Great Northern Brewing Company,” the “Alpine Theatre Project,” and “Whitefish Theatre Company.” The population of Whitefish is approximately 7,100 of which approximately 14% are senior citizens age 65 or older. Last year, Whitefish ranked #4 out of 13 of the “Best Places to Retire in Montana,” #7 out of 13 of the “Healthiest Places to Live in Montana,” and #6 out of 20 of the “Best Places to Live in Montana;”
  • Missoula, Montana – a city located in, and the county seat of, Missoula County, Montana. It is situated along the Clark Fork River where the river meets the Bitterroot and Blackfoot Rivers, and also where five mountain ranges – the Bitterroot Mountains, Sapphire Range, Garnet Range, Rattlesnake Mountains, and the Reservation Divide – converge, explaining its nickname as the “hub of five valleys.” It is the 2nd largest city in the state of Montana with a population of approximately 72,000 of which around 9% of the population belong to the 65+ senior community. Missoula also has the only Level II Trauma Center in the region and the largest medical facility in Western Montana. Last year, Missoula ranked #12 out of 13 of the “Best Places to Retire in Montana,” #4 out of 20 of the “Most Diverse Places to Live in Montana,” and #3 of 13 of the “Healthiest Places to Live in Montana;”
  • Billings, Montana – located in, and the county seat of, Yellowstone County, Montana. Billings is the largest city in Montana and is the principal city of the Billings Metropolitan Area. Billings is the only city in Montana that has a population of over 100,000 people and has been experiencing rapid growth, with sections of the city seeing a growth rate of almost 58% in the last 2 censuses. The population of Billings is approximately 110,500 of which around 15% are residents age 65 or older. Last year, Billings ranked #6 out of 13 of the “Best Places to Retire in Montana,” #97 out of 223 of the “Best Cities to Retire in America,” #87 out of 223 of the “Best Cities to Buy a House in America,” and #82 out of 208 of the “Safest Cities in Montana;”
  • Evergreen, Montana – an unincorporated community in Flathead County, Montana. Evergreen is only four miles from away the center of the town of Kalispell and one of the entrances to Glacier National Park is 29 miles northeast of Evergreen. The population of Evergreen, Montana is approximately 7,800 of which a tad over 10% belong to the 65+ senior community. Last year, Evergreen ranked 13th on the “Best Places to Retire in Montana" and #5 out of 13 of the “Healthiest Places to Live in Montana”.
  • Bozeman, Montana – located in, and the county seat of, Gallatin County, Montana. Bozeman is home to Montana State University, the Montana Arboretum and Gardens, the Museum of the Rockies, and the American Computer Museum to name a few. The population of Bozeman is estimated to be around 44,000 people with approximately 8% of the population belonging to the senior community of 65 years or older. Last year, Bozeman ranked #9 out of 13 of the “Best Places to Retire in Montana,” #1 out of 20 of the “Best Places to Live in Montana,” #9 out of 20 of the “Best Places to Buy a House in Montana,” #4 out of 15 of the “Safest Places to Live in Montana, and #1 out of 13 of the “Healthiest Places to Live in Montana;”
  • Flatwoods, Montana – a city, located in Greenup County, Montana. Flatwoods itself has no large employer within the city, so it is referred to as a “bedroom community.” The population of Flatwoods is estimated to be around 7,400 of which over 16% are senior citizens 65 years of age or older. Last year, Flatwoods ranked #1 out of 130 of “Best Places to Retire in Montana,” #6 of 91 of the “Safest Places to Live in Montana,” and #18 out of 135 of the “Best Places to Buy a House in Montana;”
  • Laurel, Montana – located in Yellowstone County, Montana. Laurel is the third biggest community in the Billings Metropolitan Statistical Area, and is in the Yellowstone Valley. Laurel is home to Montana’s Rail Link’s Laurel Yard which is the largest rail yard between St. Paul, Minnesota and Pasco, Washington. The population of Laurel, Montana is approximately 7,000 residents, with a 65+ senior community of almost 16%. Last year, Laurel ranked #7 out of 13 of the “Best Places to Retire in Montana,” #12 out of 20 of the “Best Places to Raise a Family in Montana,” and #13 out of 20 of the “Best Places to Buy a House in Montana;”
  • Helena, Montana – located in, and the county seat of, Lewis and Clark County, Montana. Helena is the capital of Montana and is home to Carroll College, the Cathedral of Saint Helena, and the Helena Civic Center as well as other historical buildings. There is a local ski area, the Great Divide Ski Area, that is close to the town of Helena and near the ghost town of Marysville, Montana. The population of Helena is approximately 31,000 with close to 15.5% of people living there who are 65 or older. Last year, Helena ranked #3 out of 13 of the “Best Places to Retire in Montana,” #2 out of 20 of the “Best Places to Live in Montana,” and #4 out of 13 of the “Healthiest Places to Live in Montana"; and
  • Butte, Montana – located in, and the county seat of, Silver Bow County, Montana. Butte is Montana’s fifth largest city. Popular tourist attractions in Butte include: Montana Tech, MBMG Mineral Museum, Our Ladies of the Rockies Statue," the “Berkeley Pit,” and the “Dumas Brothel.” The latter is widely thought to be America’s longest running houses of prostitution. The population of Butte is approximately 35,000 with 16% of that population who belong to the age 65 or older senior community. Last year, Butte ranked #2 out of 13 of the “Best Places to Retire in Montana,” #7 out of 20 of the “Best Places to Live in Montana,” and #11 out of 20 of the “Best Places to Buy a House in Montana.”

Common Questions About Assisted Living in Montana

1. What is assisted living, and how does it work in Montana?

Assisted living in Montana provides seniors with assistance in daily activities like bathing, dressing, and medication management while maintaining their independence. It typically involves staying in a residential community where trained staff offer personalized care and support.

2. What are the costs associated with assisted living in Montana?

The cost of assisted living in Montana varies depending on location. On average, it can range from $3,000 to $5,000 per month. Costs may be higher in cities like Billings, Missoula, and Great Falls compared to smaller towns.

3. Are there financial assistance programs for seniors in Montana?

Yes, Montana offers programs like the Montana Medicaid Home and Community-Based Services (HCBS) program, which can help eligible seniors cover the costs of assisted living. Additionally, there are veteran benefits and non-profit organizations that may provide assistance statewide.

4. What are the admission requirements for assisted living facilities in Montana?

Admission requirements vary but generally include a health assessment to determine if the facility can meet the senior's needs. Facilities may also assess cognitive and physical abilities to ensure a good fit for both the resident and the community statewide.

5. Is memory care available within assisted living facilities in Montana?

Yes, many assisted living facilities in Montana offer memory care units designed to support seniors with Alzheimer's or dementia. These units provide specialized care, secure environments, and activities tailored to cognitive impairment throughout the state, including cities like Bozeman, Helena, and Kalispell.

6. How does assisted living in Montana compare to nursing homes?

Assisted living in Montana provides a more independent lifestyle than nursing homes. Residents in assisted living maintain their privacy in apartments, while nursing homes offer round-the-clock medical care for those with serious health issues statewide.

7. Are there assisted living options for seniors in various cities in Montana?

Yes, Montana has assisted living options in various cities, including Billings, Missoula, and Great Falls. These cities offer a range of facilities with different amenities to cater to seniors' needs statewide.

8. What should I look for when choosing an assisted living facility in Montana?

When selecting an assisted living facility in Montana, consider factors like location, cost, staff qualifications, resident-to-staff ratio, available amenities, and the facility's reputation. Visit the facility, ask questions, and speak to current residents to make an informed decision statewide.

9. Do assisted living facilities in Montana provide transportation services?

Many assisted living facilities in Montana offer transportation services to help residents get to medical appointments, shopping centers, and social activities. It's a convenient amenity that can enhance the overall quality of life for seniors across the state.

10. What social activities are typically offered in assisted living communities in Montana?

Assisted living communities in Montana often provide a variety of social activities such as group outings to local attractions, arts and crafts, fitness classes, game nights, and live entertainment. These activities promote socialization and engagement among residents statewide.

11. What is the quality of assisted living facilities in Montana?

The quality of assisted living facilities in Montana can vary. It's essential to research and visit potential facilities to assess cleanliness, staff friendliness, and resident satisfaction. Online reviews and recommendations can also provide insights into the quality of care statewide.

12. What are the regulations governing assisted living in Montana?

Assisted living facilities in Montana must adhere to state regulations outlined by the Montana Department of Public Health and Human Services. These regulations cover various aspects of care, safety, staffing, and facility standards to ensure the well-being of residents throughout the state.

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

The staff-to-resident ratio in assisted living facilities in Montana can vary. It's advisable to inquire about the specific ratio when researching facilities. A lower ratio often indicates more personalized care and attention for residents statewide.

14. How can I pay for assisted living in Montana without depleting my savings?

To pay for assisted living in Montana, consider options such as long-term care insurance, Veterans Aid and Attendance benefits, and selling unneeded assets. Consulting with a financial advisor who specializes in senior care can help you plan effectively while preserving your savings statewide.

15. Are there assisted living facilities with pet-friendly policies in Montana?

Yes, some assisted living facilities in Montana have pet-friendly policies. These facilities recognize the positive impact of pets on seniors' well-being and offer accommodations for residents to bring their furry companions. Check with individual facilities for their pet policies and restrictions statewide.

16. What specialized care services are available for seniors with specific health conditions in Montana?

Seniors with specific health conditions in Montana can find specialized care services in some assisted living facilities. These services may include mobility assistance, medication management, and tailored exercise programs to address the unique needs of individuals with specific health conditions statewide.

17. How do I choose between assisted living and independent living in Montana?

Choosing between assisted living and independent living in Montana depends on your or your loved one's level of independence and need for assistance. Assisted living provides more support with daily tasks, while independent living offers a more self-reliant lifestyle. Evaluate individual needs and preferences to make the right choice statewide.

18. Are there government-funded assisted living programs for low-income seniors in Montana?

Montana offers government-funded programs like the Montana Medicaid Home and Community-Based Services (HCBS) program for low-income seniors seeking assisted living. Eligibility criteria and available services may vary, so it's advisable to contact the local Department of Public Health and Human Services for specific information statewide.

19. What are the dining options like in assisted living facilities in Montana?

Assisted living facilities in Montana typically offer nutritious and well-balanced meals in communal dining areas. Residents often have the opportunity to choose from a menu of options, and dietary restrictions are accommodated. The dining experience is designed to be social and enjoyable for residents statewide.

20. Do assisted living facilities in Montana have 24-hour emergency response systems?

Many assisted living facilities in Montana are equipped with 24-hour emergency response systems to ensure the safety and well-being of residents. These systems allow residents to call for assistance in case of emergencies, providing peace of mind for both residents and their families statewide.

Don't see your city/town/village on the list? Please use our search bar at the top of the page to search through 289 senior living options from 78 cities, towns and villages in Montana. 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 Montana:

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