Memory Care

Memory Care Costs and Options for Coverage in Washington State

August 1st, 2023

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Memory care is a specialized form of senior living that provides dedicated support and assistance for individuals living with memory-related conditions such as Alzheimer’s or dementia. By understanding memory care costs, families can make informed decisions and plan for the financial aspects of providing quality care for their loved ones.

CRISTA Senior Living in Shoreline, WA, provides memory care in a nurturing, Christian environment. We are here to lift the burden of daily caregiving and allow you to be a family. Our philosophy of engagement, active support, and purpose-driven activities fosters safety and meaning in those living with Alzheimer’s disease and other forms of dementia.

The Cost of Memory Care

The cost of memory care is usually 25% higher than assisted living. In Washington, the average cost is $7,500 per month. The national average is $5,625, which is between the average costs in Oregon ($6,306) and Idaho ($4,798).

As can be expected, the cost of memory care in Seattle is higher than in the rest of the state. Seattle’s average price is $8,438 per month, while Walla Walla’s cost is significantly lower at $4,014. In the middle is Spokane at $6110. Bremerton has a monthly average price of $7,188 for monthly memory care expenses, which is close to the state average.

Breaking Down the Costs of Memory Care

memory care

The cost of memory care varies depending on several factors, including location, facility amenities, level of care needed, and the specific services provided. A base monthly rate generally includes accommodation, meals, housekeeping, and some basic care services. However, additional fees may apply for specialized care or additional services.

On top of the base rate, there are “level of care” fees that range from $500 to $2,000 per month. Some memory care communities charge an initial assessment fee or a move-in fee. These fees cover the costs associated with assessing a resident’s needs and preparing the living space for their arrival. The amount can vary widely, ranging from a few hundred dollars to several thousand dollars.

Finally, certain additional services and amenities, such as medication management, transportation, therapy sessions, social activities, or specialized memory care programs, may have separate fees. These costs vary depending on the facility and the specific services offered.

How to Pay for Memory Care

As with all expenses in later life, many people pay for memory care costs through:

  • Retirement savings
  • Pensions
  • Rental income
  • Sale of a house
  • Long-term care insurance
  • Veterans’ benefits
  • Reverse mortgages
  • Social security

If a senior has no financial resources, the Washington Medicaid program — known as Apple Health — is available to cover a wide range of physical and mental health services for eligible residents, including seniors with Alzheimer’s disease. In addition, there are state waiver programs that provide partial or full coverage for memory care costs at assisted living facilities.

Depending on your financial situation, you may be eligible for a tax deduction for memory care facility costs and other expenses related to long-term care. It’s best to check with your accountant to find out more information.

We would love to talk with you about your loved one who is experiencing memory loss. Find out more about our holistic approach to Memory Care by reading our blog “Memory Care at CRISTA Senior Living: A Holistic Approach.” Please contact CRISTA Senior Living to tour our beautiful community through our website or by calling 206.210.1405.

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What People Are Saying …

I would like to commend Cristwood Park staff on their efforts to protect themselves and their residents from COVID. It’s been a concern of ours since last March and we have been relieved to see so few cases in the Cristwood Park community. I would like to thank the staff and leadership for their diligence in maintaining good protocols throughout this pandemic.

CWP Family Member

CRISTA has been a warm, friendly atmosphere to be a part of these past two years. It encourages friendships that encourage a pleasant living environment.

Marty Victor, CWP

Exceptional personalized holistic care. Helps keep Mom’s mind active and she flourishes with the nurturing care. Especially of value currently given the COVID restrictions. We are genuinely pleased with our mom's care.

Resident's Daughter, Memory Care

Thinking back on all the great care you and your team have given her at CRISTA, we thank you for all that. I am sure it made a difference in the quality of her life.

I appreciate the personal relationship I have with the staff and the good communication they give me.

I am so stunned by all the amazing people who live at CRISTA. The depth of their stories, their experiences are so powerful. They are fascinating and I learn something new every day! Such a wealth of intellect, experiences, and fun loving people. I love living here.

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