While Missouri’s southern climate is part of what attracts retirees to its assisted living communities, this state also has a very low cost of living, and more than 95% of Missouri is rural land. Unlike many majoritively rural states, Missouri’s major urban centers of St. Louis and Kansas City offer world class healthcare options and a notable contemporary art scene. Seniors in this state can enjoy a peaceful way of life without living in isolation.
Directory of Assisted Living Facilities in Missouri
When searching for the right facility, there are many factors to keep in mind besides the cost. To simplify your research process, we have compiled a directory of over 480 facilities in Missouri. You’ll find each community listed with relevant information, such as its pricing, amenities, and Medicaid acceptance status.
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How to Pay for Assisted Living in Missouri
Determining how to finance assisted living often starts with the question, “What’s the cost?” In today’s economy, where inflation plays a significant role, having current data is crucial for senior living financial planning. AssistedLiving.org has gathered cost information from its expansive network of over 75,000 senior living providers. This data offers a glimpse into the average expenses for assisted living in Missouri and 44 additional cities within Missouri.
How Inflation Has Impacted the Cost of Assisted Living in Missouri
From 2022 to 2023, the average cost of assisted living in Missouri fell by 6%. Illinois’ average fell by 4.5%. Inflation had a much different impact on other places, however. Nationally, prices rose by 10%, and in neighboring Kansas, the average went up by 19%.
The fact that prices fell in Missouri in 2023 doesn’t mean they will continue to decrease, so it’s crucial for families to keep planning strategically when it comes to their long-term care savings. In 2024, the average Missouri price for assisted living is projected to be $4,318. The national average is estimated to be $4,802.
|2022 Cost (Historical)
|2023 Cost (Current)
|2024 Cost (Estimated)
Assisted Living Costs in Missouri's Top Cities
Within Missouri, families will find a wide variation in assisted living costs. St. Louis has the most affordable prices among the state’s big cities, and Springfield also has a reasonable average that’s below the state median. Kansas City is a bit less economical with an average rate of $4,329, and care gets significantly more expensive in Columbia, where the rate is about $1,400 higher than Missouri overall.
The Cost of Other Types of Senior Living
Due to variations in care levels and other features, not all senior living options in Missouri are priced the same. Independent living is about half the cost of assisted living but does not usually provide caregivers to help with dressing, bathing and other daily activities. Memory care, on the other hand, offers a high level of care and programming for seniors with Alzheimer’s disease and dementia, which demands a significantly higher price than assisted living.
Financial Assistance for Assisted Living in Missouri
Home- and Community-Based Personal Care Services
Missouri residents of assisted living and residential care facilities may be eligible for Medicaid reimbursement for their personal care expenses. Personal care services include assistance with activities of daily living, like bathing, dressing, and walking around. Missouri’s Medicaid program also offers to cover advanced activities of daily living which are more nursing-oriented activities, most of them involving medical maintenance.
For eligible recipients, this program will cover personal care needs that exceed the minimum of assistance that is offered at their facility. A monthly RN visit is also covered so that the needs of recipients can be re-evaluated every 30 days. Covered service amounts cannot exceed 60% of the average statewide cost of care in a nursing facility, excluding costs for RN appointments.
Who is Eligible?
Aside from meeting basic Medicaid eligibility requirements, recipients of personal care coverage must also be:
- People 18 years of age and older
- Individuals who are nursing home eligible
- Active Medicaid recipients with an appropriate Medicaid Eligibility code
How to Apply
In order to apply for personal care coverage, prospective recipients must have a referral from their physician to receive Home- and Community-Based Services. Applications for Missouri’s Medicaid program for the elderly, administered through MO HealthNet, can be initiated online or on the phone, and a sample referral form for personal care services can be found online as well. To find a downloadable paper application for Medicaid or to apply online, visit MyDSS.MO.gov. To apply for Medicaid by phone or in person, use the table in this guide to locate your regional Area Agency on Aging.
Supplemental Nursing Care
Medicaid recipients who live in assisted living, residential care, or a skilled nursing facility may be eligible to receive a grant to mitigate their monthly costs of care. These grants are intended to cover the difference between a resident’s countable monthly income and their monthly costs at a facility if those costs are greater. Only a facility’s base rates for resident care are considered, excluding additional charges for personal expenses, clothing, etc.
The maximum grant that applicants may receive will be based on how their income compares to their basic monthly facility costs, and on what type of facility they inhabit.
- Assisted living facility residents may receive up to $292.50 monthly.
- Residential care facility residents may receive up to $156 monthly.
- Skilled nursing facility residents may receive up to $390 monthly.
Who is Eligible?
Only people who are living in a facility at the time of application can receive skilled nursing care supplements. Applicants should also be:
- Nursing home-eligible
- Eligible for Medicaid
- In need of skilled nursing care
- Getting a monthly income that is less than their facility’s basic monthly cost
How to Apply
Applicants should connect with an eligibility specialist at the DHS Division of Senior and Disability Services by first locating their regional Area Agency on Aging in the table below. A state eligibility manual for skilled nursing care can be found online at DDS.MO.gov.
Applications for Missouri’s Medicaid program for the elderly, administered through MO HealthNet, can be initiated online or on the phone. To find a downloadable paper application or to apply online, visit MyDSS.MO.gov. To apply for Medicaid by phone or in person, use the table in this guide to locate your regional Area Agency on Aging.
Missouri’s Program of All-Inclusive Care for the Elderly is administered by the Centers for Medicare and Medicaid. PACE is intended to cover all medical expenses for especially frail seniors who are at immediate risk of institutionalization. The program can support a limited number of recipients, and most programs can take between 150 and 300 active participants. Assisted living residents may be reimbursed for services provided at facilities as long as a family member or friend is available to provide oversight during brief interims of respite. For people who are not Medicaid eligible, PACE may be available for a monthly fee.
Who is Eligible?
Eligibility for PACE participation requires applicants to be 55 or older, and coverage in Missouri is only available to people living in the St. Louis area. Medical eligibility requires that PACE recipients be nursing home-eligible with at least 21 points on the nursing home level of care assessment, which is administered by a Medicaid caseworker.
How to Apply
To find out if you’re eligible and learn about what PACE offers, contact your local HHS office by dialing 2-1-1. You can also consult your local Area Agency on Aging for more details and application assistance. To learn more about PACE, visit NPAOnline.org.
More Ways to Finance Assisted Living
Some additional ways to finance assisted living costs include:
- Veterans Benefits: Veterans can take advantage of several different pension programs to help cover the cost of assisted living. For more information, see the article on benefits.va.gov.
- Life Insurance Policies: Even if a spouse or loved one hasn’t died, certain types of life insurance policies can be used to pay for assisted living. More information is available at longtermcare.acl.gov
- Long-Term Care Insurance: Long-term care insurance is a type of insurance policy that pays for long-term care when it becomes necessary, including the cost of assisted living. For more information on the benefits and drawbacks of this financing method, visit longtermcare.acl.gov.
- Reverse Mortgages: Reverse mortgages allow seniors to access the equity from a home that they own, and these funds can be used to pay for assisted living. The U.S. Department of Housing and Urban Development offers a federally insured reverse mortgage program.
Free Assisted Living Resources in Missouri
There are many resources in Missouri that assist seniors in their retirement. Assistedliving.org has compiled information on local organizations, programs and agencies and categorized them into care types for easy reference.
Area Agency on Aging
Retirees can find support and advice on various senior-related issues from their local Area Agency on Aging. The agency provides advice on topics such as financial assistance programs, in-home care and long-term care planning. It also connects seniors and caregivers with community-based resources.
|Missouri Area Agencies on Aging
|Missouri’s Area Agencies on Aging provide information and assistance that older adults and their families can use to enhance their daily quality of life. They help support seniors’ health and wellness through food assistance programs, exercise classes and transportation to medical appointments. The agencies also connect seniors to groups providing in-home services, home modifications and legal assistance. Older Missourians can use local AAA’s resources, including case management, respite and caregiver services, to help them maintain their independence and autonomy.
Cash Assistance Programs
Cash assistance programs in Missouri provide financial support to help low-income retirees remain in their own homes for as long as possible. Seniors and caregivers can apply for tax rebates and reductions, discounts on vital services and help covering the cost of heating and cooling their home.
|Missouri Lifeline Program
|The Missouri Lifeline program grants seniors a price reduction on phone and internet prices, helping them stay connected to loved ones, medical professionals and the rest of the outside world. Interested eligible Missourians within a particular income range must register with a participating internet or phone company if their current provider isn’t part of the program. Seniors must submit an application and the appropriate documentation to apply for the program.
|Missouri Temporary Assistance (TA)
|Missouri residents, including seniors, may qualify for Missouri Temporary Assistance if they are the parent or guardian of a child under 18. This cash assistance program provides a monthly payment to those who are eligible. The value of any assets, other than a home and one automobile, must not exceed $1,000. Seniors applying for this program must also meet income requirements. Residents can call (855) 373-4636 to learn more about this financial assistance program.
Financial Assistance for Senior Living
Low-income elderly individuals in senior living communities can access financial assistance through local-run programs. These Missouri resources offer advice, guidance and support to help older adults pay for the services offered by long-term care providers.
|Supplemental Nursing Care Waiver
|MO HealthNet does not directly pay for nonmedical expenses, such as an assisted living community’s board and service fees. If you have MO HealthNet coverage and need help paying for assisted living, you may be eligible for a Supplemental Nursing Care waiver. This waiver helps nursing home-eligible seniors stay out of more intensive levels of senior care by paying for assisted living expenses, including the monthly fee and caregiver help. The program provides a monthly cash allowance that can be paid directly to the assisted living provider to cover common costs of assisted living.
Food Assistance Programs
Local organizations help ensure elderly citizens have a balanced diet and receive essential vitamins and minerals to remain healthy. Through nutrition programs, congregate meals, home-delivered meals and food pantries, these programs help Missouri seniors afford the nutritious food they need.
|Missouri Meals on Wheels
|Missouri Meals on Wheels provides nutritious meals and socialization for statewide seniors ages 60 and over. Those who are mobile enough can attend congregate meals with their peers, while those who are immobile can receive daily meal deliveries to their homes. Each meal delivery includes a safety check, and emergency authorities will be alerted if a fall, accident or emergency situation does arise. Meals are provided on a sliding-fee scale, so they range from free to full cost.
|Missouri Supplemental Nutrition Assistance Program (SNAP)
|The Missouri Supplemental Nutrition Assistance Program provides qualified seniors with financial help to buy healthy foods. Missouri residents who meet the income requirements for participants ages 60 and older qualify for an electronic benefit once a month that’s accepted at food retailers across the state. Other eligibility factors include having resources under $2,750 per person, excluding home, vehicle, life insurance and prepaid burials. Seniors can use the funds to supplement their current food budget, so they can prepare nutritious meals.
Free Used Medical Equipment
Due to the high cost of purchasing new medical equipment, several organizations in Missouri collect lightly used medical devices such as wheelchairs, ramps and walkers and distribute them to local seniors and residents in need.
|Missouri Accessibility Medical Equipment
|AME provides free in-home assessments to establish participants’ equipment needs. Durable medical equipment is available new or used, at a discount for income-eligible participants.
|Missouri Swap ‘n Shop Equipment Exchange Program
|Swap ‘n Shop operates as a free online exchange program for people in Missouri to trade durable medical equipment and to share information about where to find needed mobility and health aids.
Many organizations offer free or low-cost legal services to Missouri seniors. Older adults can access advice on issues such as estate planning, living wills and power of attorney. Some firms also act as long-term care ombudsmen, advocating for the rights of seniors in senior living communities.
|Missouri Coalition for Quality Care
|This nonprofit organization advocates for the safety and interests of seniors in long-term care settings throughout Missouri. It strives to hold assisted living facilities accountable for the quality of their care and helps ensure seniors get the assistance they need to live a healthy, comfortable life. MCQC also accepts reports of abuse online and over the phone.
|Missouri Long-Term Care Ombudsman Program
|The Ombudsman program cultivates a network of individuals around the state to assist residents in long-term care facilities in the preservation of their rights. The program coordinates regular visits with residents to help them resolve any challenges they might encounter, and advocates and educates those unable to do so for themselves.
|Missouri Senior Legal Helpline
|As an Older American Act funded program, the Missouri Senior Legal Helpline gets seniors aged 60 and above in contact with a regional lawyer. Older adults can get assistance and limited representation on civil matters such as living wills, advance directives, power of attorney and guardianship. The helpline doesn’t provide assistance on criminal matters or traffic-related incidents.
Senior centers in Missouri bring together residents through recreational activities and events. Many also offer advice and support on senior issues, run wellness and nutrition programs, and connect older adults with other resources in the local area.
|Missouri Care Planning Council (MCPC)
|The Missouri Care Planning Council (MCPC) is an organization that connects seniors in the state with a wide range of local service providers, long-term care advisors and informational resources. MCPC is focused on long-term planning but is also available for emergency situations. It accepts specific requests for help both over the phone and through its online form.
Senior engagement resources and programs in Missouri help older adults remain active and ensure they contribute to the community. Resources include wellness programs, volunteer opportunities, support groups and organizations that help residents connect with the community to live fulfilling lives.
|Missouri Community Options and Resources (MOCOR)
|Missouri Community Options and Resources is partnered with the state departments of Health and Senior Services and Social Services to connect residents to appropriate programs in all 114 counties. Through MOCAR, older adults can access help with the activities of daily living, transportation, meals, housework, cooking and caregiver respite. Seniors must be on Medicaid to be eligible for MOCOR services. The minimum age is 63 for some resources, while most are available at age 65.
|Missouri DHSS Division of Senior and Disability Services
|The Missouri DHSS Division of Senior and Disability Services preserves the health and independence of the state’s seniors through an extensive roster of programs. These include adult day care, a meal program to help seniors meet their nutritional needs and a 24/7 Alzheimer’s response service that provides emergency medical treatment. The agency also maintains an elder abuse hotline families can contact around the clock to report health and safety concerns in long-term care.
Social Security Offices
Social Security offices in Missouri help seniors and disabled people access the benefits they’re entitled to. Older adults can contact their local office for information about receiving retirement benefits, disability allowance and Supplemental Security Income.
|Missouri Social Security
|Social Security is a source of income available to retirees and people who can no longer work because of a disability. The money for Social Security comes from a payroll tax levied on employers, employees and self-employed individuals. When you retire, you’ll receive monthly payments based on how much you earned when you were working.
Assistance is available for seniors unable to access or use private transportation. These community resources help elderly and disabled residents make journeys in and around Missouri, allowing them to run errands and attend appointments in the local area.
|MO Rides is a transportation referral service helping senior citizens find inexpensive public transportation to and from medical appointments, grocery stores and other places throughout Saint Charles County. There is no charge to call MO Rides for assistance, and once a ride is arranged, seniors pay the transportation provider of their choice.
Utility & Energy Bill Assistance
Low-income seniors who are struggling to meet the costs of maintaining their homes can find support from organizations that offer assistance with utility and energy bills. Missouri retirees could also qualify for emergency funding programs if they’re in danger of losing utility services due to unpaid invoices.
|Missouri Low Income Home Energy Assistance Program (LIHEAP)
|LIHEAP programs are administered on the local level in Missouri, and which program you apply to depends on where you live. These programs can pay a portion (up to 50%) of your gas and electricity bills, while a related program helps with the cost of water and sewer fees. Emergency bill payment assistance may also be available if you’re in danger of disconnection.
|Missouri Low Income Household Water Assistance Program (LIHWAP)
|The Low Income Household Water Assistance Program (LIHWAP) may be able to help you with a one-time payment for your water and/or wastewater (sewer) bill from November – September. The maximum amount you could get is $750.00. LIHWAP can help with: • Disconnection or reconnection fees • Threat of disconnection • Past due and current bills
|Missouri Water/Wastewater Utility Bill Credit Program
|Qualified seniors are eligible for a 15% reduction in their water and wastewater rates through Liberty’s Utility Bill Credit Program. Older adults must provide paperwork proving they meet certain requirements to receive the bill credit.
Missouri retirees who have served in the U.S. military can find support from local veteran services. These offices and organizations help vets access the benefits they’re eligible for and provide advice and information on a variety of issues.
|Missouri VA Benefits and Health Care
|Missouri VA Benefits and Health Care provides medical services to senior veterans. These centers are located throughout the state and provide claims assistance, counseling and other services that may help veterans and their families. Missouri also hosts multiple senior centers for veterans where recreational, social and education opportunities are available. All veterans can reach the Crisis Line by dialing 988 and pressing 1 for immediate telephone assistance.
|Missouri Veterans Care Coordination
|Veterans Care Coordination is a nonprofit organization based in Saint Louis that strives to connect veterans in the community with affordable long-term care options, including assisted living facilities. It works with veterans and their families to ensure they get the pensions and Aid & Attendance benefits they deserve. It also coordinates the delivery of care at home or in assisted living, making lives easier for eligible families.
|Veterans Services Program
|The Veterans Services Program in Jefferson City, MO, provides counseling and support for veterans and their dependents. Accredited Veterans Services Officers can assist eligible seniors with completing applications for VA benefits. VSOs can also provide advice about survivor’s benefits, burial payments, disability payments and health care. A VSO is available Monday to Friday from 7:30 a.m. to 3:30 p.m.
Assisted Living Laws and Regulations in Missouri
The Department of Health and Senior Services licenses and regulates long-term care facilities in Missouri. Assisted living facilities (ALFs) and residential care facilities (RCFs) are permitted to offer long-term care in many of the same ways, though divisions exist in the laws that regulate each type of facility. The following are pertinent regulations governing both ALFs and RCFs.
Assisted Living Service Plans
On moving into a long-term care facility, residents must meet with facility staff for an interview to establish the new resident’s needs and manage their expectations of what the facility can provide. At this time, a residential agreement will also be drafted which demonstrates that residents have been informed of their rights and of all costs for service.
In assisted living facilities, part of the overall agreement must include provisions for any resident who is incapable of safely self-evacuating in cases of emergency. As part of the service agreement, these individuals or their representatives must be consulted to form an individualized evacuation plan.
Assisted Living Admission Requirements
Assisted living facilities can admit applicants who can confirm their need of assisted living services, such as assistance with activities of daily living, like bathing or mobility. People who are more incapacitated due to mental or physical decline may also be accommodated, but only by facilities that are sufficiently licensed and staffed to meet all of such residents’ needs. Some ALFs can provide skilled nursing care and assistance with medical maintenance tasks, and all are required to be capable of assisting residents to safety in an emergency.
Residential care facilities have the same admission requirements as ALFs, except where the ability to self-evacuate in cases of emergency is concerned. RCF residents must be capable of getting to safety without assistance within five minutes of being notified of an emergency situation. In some, temporary cases of incapacity, such as during a period of convalescence, incapacitated residents are allowed to remain as tenants in an RCF. However, prolonged immobility puts these residents at risk of transference to another care setting.
ALFs and RCFs have some limitations for acceptance. Neither type of facility can house people who exhibit the following:
- Tendencies toward self-harm or harm to others
- The requirement of physical or chemical restraints
- Skilled nursing requirements exceeding the facility’s offered services
- Need for assistance by more than one person (except in bathing or transference)
Assisted Living Scope of Care
ALF Scope of Care: Assisted living facilities must provide 24-hour care and protective oversight, including assistance with dressing, bathing, transferring, medication management, dietary services, social/physical activities, and food sanitation. There are additional requirements for ALFs that specialize in memory care and dementia. Assisted living facilities are intended to provide medical oversight and assistance in a home-like setting.
RCF Scope of Care: Residential care facilities must provide 24-hour care, shelter, board, and protective oversight, including assistance with storage, distribution, and/or administration of medications, dietary services, and food sanitation. Care can be provided to those with a short-term illness and during periods of recuperation.
Assisted Living Medicaid Policy
Unlike many states, Missouri does not allow Medicaid waiver coverage to be used in long-term care facilities for people with greater medical needs. However, for eligible Medicaid recipients who need a greater level of care than their facility is able to provide, the state does reimburse for personal care services, and also for advanced personal care services to aid residents with medical maintenance tasks. For people in need of skilled nursing care who have an income that is less than the monthly charge of their facility, the state may offer a cash grant to cover the difference.
Assisted Living Facility Requirements
Both ALFs and RCFs in Missouri may provide either apartment-style lodging or single- to double-occupancy bedrooms with a maximum of four residents per room. Assisted living facilities have the added requirement that they must be “home-like” environments, with living and communal spaces that provide the psychosocial experience of a typical family home. Both residential care and assisted living facilities must provide at least 70 square feet of usable living space per resident. For every six people in residence, facilities must provide at least one bathroom, and for every 20 residents there must be at least one bath or shower.
Medication Management Regulations
ALFs and RCFs keep each resident’s medication regimen on file, and depending on the type of facility one lives in, their regimen will be reassessed every two to three months by a physician or registered nurse. Any staff authorized to administer or assist residents with their medications must be licensed as a Medication Aide (MA) by the Missouri Assisted Living Association, and there are different levels of MA certification that are based on the type of medicines to be administered, including various types of injections. A registered nurse will be on staff at all facilities for at least eight hours a week to coordinate and oversee medication management operations.
Both assisted living and residential care facilities are required to hire at least one administrator or manager, as well as a team of direct care staff who are capable of providing care to the facility’s most medically needy residents. ALFs must also have a registered nurse on staff who will be present for at least eight hours per week, or more if the facility’s population is over 30 people.
Both facility types have staff to resident ratio requirements in place to make sure that there is always sufficient staff on hand to meet residents’ needs, including throughout the night. Fewer staff members are required to be available in residential care facilities, with only one staff member needed on the grounds at any given time for every 40 people in residence.
Staff Training Requirements
Administrators of assisted living and residential care facilities must be certified by the Board of Nursing Home Administrators, and they may be certified as nursing home or ALF/RCF administrators. Staff at assisted living facilities are given two hours of orientation training before they begin work, and residential care staff only need one hour of orientation. However, staff of both facility types must receive 20 hours of in-service training on a yearly basis, and administrators must complete 40 hours of biennial continued education coursework.
Assisted living facilities differ from residential care facilities by the amount of social interaction training they are given. However, all long-term care facility staff, administrators, and managers will have CPR and first-aid certification and will be trained in fire safety as well as methods for physically transferring residents. Procedures concerning abuse, neglect, and exploitation are also taught to all employees.
Background Checks for Assisted Living
All facilities must check the online registry of employees before they are able to provide direct care to residents. The online registry is maintained by the state of Missouri and allows facilities to see if a prospective employee’s license is current or inactive, and whether they have a Federal Indicator Status. No person with past convictions or substantiated accusations of abuse, neglect, or exploitation may be hired at a Missouri long-term care facility.
The state of Missouri provides different means of assistance with complaints of elder abuse and complaints lodged against a long-term care facility failing to honor a contract or state regulation.
Before reporting a long-term care facility, the DHS recommends first trying to resolve the issue by contacting a facility administrator. To lodge a formal complaint of a facility, injured parties may contact the state Ombudsman at (573) 526-0727 or (800) 309-3282, and should file a report online at Health.MO.gov.
Allegations of elder abuse are investigated by the Missouri Department of Health and Senior Services (DHSS). Abuse can include neglect, exploitation, abandonment, physical or emotional abuse, and theft. To confidentially report a suspected act of elder abuse, call the Missouri Adult Abuse and Neglect Hotline at (800) 392-0210, or use the online complaint form at Health.MO.gov.
Missouri COVID-19 Rules for Assisted Living Facilities
Note: The following information was compiled and most recently updated on 2/8/22. Since COVID-19 is a rapidly evolving crisis, be sure to contact your assisted living facility or local Area Agency on Aging for the most up-to-date information.
|COVID-19 Rules in Missouri
|Are loved ones allowed to visit residents in their assisted living community?
|Yes (Conditions Apply)
|Are residents required to quarantine after their loved ones visit?
|Are loved ones required to wear masks when visiting residents?
|Are Hairdressers and other non-medical contractors allowed in assisted living communities?
|Are visitors screened for elevated temperatures before entering the assisted living community?
|Are residents allowed to leave the assisted living community for non-medical reasons?
|Are residents who leave required to quarantine when they get back to the assisted living community?
|No (Conditions Apply)
|Are assisted living communities required to cancel all group outings?
|Are assisted living communities allowed to host group activities within the community?
|Yes (Conditions Apply)
|Are staff members regularly checked for elevated temperatures?
|Are staff members regularly tested for COVID-19?
|Yes (Conditions Apply)
|Are residents regularly screened for COVID-19 symptoms?
|Are residents regularly checked for elevated temperatures?
|Are residents regularly tested for COVID-19?
|Yes (Conditions Apply)
Learn More About the Best Assisted Living Communities in Wyoming's Top Cities
We’ve compiled a list of the best assisted living facilities in each the cities featured below using our unique methodology. View images, base pricing, room types, and more information about these communities by clicking on the links below.