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Guide to Senior Living in Ohio

The Buckeye State is home to around 11.6 million Americans, just over 17% of whom are over the age of 65, which is nearly 2 million residents. Ohio has a thriving senior community living independently and in senior living facilities across the state. This population is growing rapidly as well. Ohio is expected to have more residents over age 60 than under age 20 as of the 2020 census throughout the state as a whole, including in 66 of 84 counties. As such, senior care in Ohio is very important. As a Midwestern state with a moderate cost of living, care is more affordable in Ohio than in some of the costlier states.

For seniors who need help paying for the cost of a senior living facility, however, help is available through several different outlets. This guide serves as an overview of senior living care in Ohio, including comparisons to nearby states and between cities, financial resources, and local programs that can assist seniors in need.

Paying for Senior Living in Ohio

The Cost of Senior Living in Ohio

Assisted living facilities can be a great resource for seniors in need, but they aren’t the ideal choice for everyone. For seniors who require other kinds of care due to things like budget or personal medical needs, there are other alternatives. This is what seniors can expect to pay per month for different forms of adult care in Ohio:

$4290

In-Home Care

$4339

Assisted Living

$4385

Home Health Care

$1376

Adult Day Care

$6996

Nursing Home Care

The Cost of Assisted Living in Ohio

Per Genworth Financial’s 2019 Cost of Care Survey, the cost of assisted living in Ohio averages $4,339 per month, a cost of around $300 higher than the national average of $4,051. Ohio is located in the Midwest, a relatively inexpensive part of the country in comparison to the East and West coasts. However, all of the closest neighboring states are even more affordable, boasting lower overall costs of assisted living care than Ohio.

$4339

Ohio

$4051

United States

$4100

Indiana

$4000

Michigan

$3913

Pennsylvania

$3750

West Virginia

$3497

Kentucky

The Cost of In-Home Care in Ohio

In-home care in Ohio is in-line with the United States average at $4,290, indicating services intended to help seniors age in place at home are reasonable. Costs in nearby states show that as well with Ohio sitting at midrange. The highest cost in the area for monthly in-home care is in Michigan at $4,385, followed by Indiana at $4,334. Even more affordable help with tasks like cooking and housekeeping can be found in Kentucky at $3,813 per month and West Virginia at $3,432. 

$4290

Ohio

$4290

United States

$4385

Michigan

$4334

Indiana

$3813

Kentucky

$3432

West Virginia

The Cost of Nursing Home Care in Ohio

Nursing homes provide medical care and supervision around-the-clock for seniors who need ongoing support. Ohioans may be relieved to know that this type of care in their state is $548 below the national average($7,513) and is also less than most surrounding states. The only state with a lower fee is Kentucky at $6,905, but it’s only a $91 difference, indicating that nursing home care in Ohio, at $6,996 per month, is quite affordable.

$6996

Ohio

$7513

United States

$8373

Michigan

$7021

Indiana

$6905

Kentucky

$10707

West Virginia

Financial Assistance for Senior Living in Ohio

Residential State Supplement Program

The Residential State Supplement Program (RSS) is a supplemental state program in Ohio that provides financial assistance to those who require support in a residential environment. While not explicitly for seniors, many seniors do meet the requirements for the RSS program and can benefit from the financial coverage provided. The RSS program provides financial support for accommodations, supervision, and services related to personal care for qualifying adults who reside in eligible living arrangements. This program pays a monthly allowable fee to eligible individuals living in class two residential facilities or adult care facilities.

To be eligible for the RSS program, Ohioans must be:

  • 18 years old or older
  • Eligible for Medicaid
  • Receiving a form of Social Security, including SSI or SSDI
  • Currently receiving care in a nursing home with an upcoming planned discharge or have been evaluated at a protective level of care
  • Planning to reside or currently residing in an eligible living arrangement

In addition to health-related criteria, seniors must also have a monthly income lower than $1,300 and total assets of less than $2,000.

Contact: For more information about the Residential State Supplement program, seniors can email [email protected] or call 614-752-9316. For questions about the verification process, seniors can email [email protected] or call 614-466-4061.

Ohio Medicaid’s Assisted Living Waiver

The Medicaid Assisted Living Waiver program in Ohio offers an alternative way to pay for care in an assisted living facility. This option is available for current enrollees in Medicaid who meet the eligibility requirements. It covers the base cost of care in an assisted living facility, leaving seniors to use their income and other resources to cover expenses related to room and board.

Non-financial eligibility for the Medicaid Assisted Living Waiver program includes:

  • Age 21 years old or older
  • Required assistance with activities of daily living like bathing, grooming, using the bathroom, eating, and mobility
  • Eligibility for admission into an assisted living facility
  • The ability to pay monthly room and board payments as established
  • Meeting all other criteria for Medicaid acceptance

The financial eligibility is determined by Departments of Job and Family Services on a county by county basis. To qualify, seniors can’t have countable assets worth more than $2,000 and monthly income cannot be greater than 300% of the monthly Social Security Income benefit. In some cases, participants in the waiver program may have to pay a patient liability fee toward costs of services.

Contact: To learn more about the Assisted Living Waiver program, seniors can contact the Department of Aging at (800) 266-4346 or by email or call 1-866-243-5678 toll-free to receive contact information for a local Area Agency on Aging.

Senior Living Laws and Regulations in Ohio

Note: All these rules typically apply to non-clinical senior living facilities, such as independent living, assisted living, and memory care facilities. Nursing homes and other senior living facilities with a clinical setting may have additional or slightly different requirements and regulations. 

In Ohio, numerous laws and regulations exist to ensure senior living facilities meet the highest possible standards. These guidelines help make sure seniors are kept safe and healthy while living in a senior living community.

Admissions Requirements

To be eligible for senior living care in Ohio, seniors must require assistance with daily living activities but still be able to live a somewhat independent lifestyle. Skilled nursing care requirements are capped at 120 days in a 12-month period. If seniors must be in a nursing home or hospital for longer than this window, facilities may deny admission. Those with challenging medical conditions or who have health problems that require consistent and ongoing maintenance, such as severe skin ulcers, are not permitted to enter or remain in senior living.

Senior Living Service Plans

Health assessments are required for all seniors prior to admission into an senior living facility. These exams are required both to assess eligibility as well as to guide the design of an effective care plan. Assessments should continue on an ongoing basis to ensure conditions don’t change. Any changes to physical or mental state requires a revision of a care plan to best address new needs. Residents are not bound to the care outlined in a service plan. As long as residents are made aware of any risks to denying a recommended service, they are allowed to turn down care.

Staffing Rules and Policies

Licensed Ohio senior living facilities must employ numerous different categories of staff members, including an administrator and members of a direct care team. Administrators must work a minimum of 20 hours a week during normal business hours and remain on call when off site. Direct care team staff members work hands-on with residents with duties limited by training or licensure. Ohio does not have minimum staffing ratios.

Staff working in senior living facilities in Ohio must undergo an orientation that covers job duties, building procedures, facility rules, emergency preparedness, and the rights granted to residents. At least eight hours of continuing education are required each year, with a focus on communication and personal care. Staff members must complete first aid training within 60 days of starting a job. Administrators need nine hours of continuing education annually.

Any facility that maintains service for individuals with dementia must train all staff members in at least two hours of specialty coursework on cognitive issues with a minimum of four hours of annual continuing education.

Staff members working directly with residents must have a Bureau of Criminal Identification and Investigation background check. Employees who have been Ohio residents for under five years must go through an FBI background check.

Medication Management

Patients who can take their own medications and are permitted to do so by a physician can receive assistance from non-licensed care team members in managing prescription drugs. This assistance includes reminders, organizing containers, verifying labels, and giving medication to patients to consume. If medication must be administered to a patient, either because a patient is unable or unwilling, a CNA, RN, LPN, or physician must perform this responsibility. In some cases, licensed home health aides are also permitted to assist with medication management.

Ohio Senior Living Free Resources

Ohio Agencies

Ohio Department of Aging

The Ohio Department of Aging is a government-run agency that is dedicated to research, public policy, and local initiatives that benefit Ohio’s aging population. The Department of Aging provides support for seniors, their caregivers, and professional organizations offering services to seniors, such as licensed care facilities. This also includes ways to report signs of elder abuse as well as tools to connect seniors with area organizations that can provide financial support. Numerous department-sponsored events are held throughout the year, helping seniors to learn more about their area resources as well as broader topics like Medicare and Medicaid access.

All seniors, caregivers, and senior care organizations are free to use the resources provided by the Ohio Department of Aging.

Contact: The Ohio Department of Aging is available toll free at 1-800-266-4346 or through the website contact form.

Area Agencies on Aging in Ohio

Area Agencies on Aging, colloquially known as AAAs, are organizations that serve seniors living throughout the state of Ohio. Unlike state-level resources, AAAs work in smaller footprints, serving the residents of specific cities or counties to provide the best possible access to local services. AAAs can connect seniors with nonprofits that offer financial support, transportation and meals, as well as providing counseling for services such as Medicare. AAAs are available for free to all seniors living within a specified geographical area. Most areas in Ohio are covered by an AAA.

Veterans Affairs Offices in Ohio

For Ohioans who have served in the military, access to Veteran Affairs Offices can provide numerous opportunities for financial support. In addition to the monthly stipend available to many veterans, the VA Aid and Attendance Benefit program can also provide support for senior living costs. There are numerous VA offices throughout the state of Ohio seniors can contact to learn more about benefits options.

Social Security Offices in Ohio

Social Security can offer a valuable income source for seniors to help cover the costs of senior living. Seniors in Ohio who need to contact Social Security to learn more about benefit opportunities can get in touch with any of the offices available throughout the state.

Frequently Asked Questions

How much does assisted living cost in Ohio?

In Ohio, assisted living costs an average of $4,339 per month. However, some areas of the country are more expensive than others. Toledo and Akron, for example, cost more than the state average, with expenses around $5,036 and $4,625 per month respectively.

Are there financial assistance programs for assisted living in Ohio?

Yes, residents in Ohio have numerous options to cover some of the costs associated with living in an assisted living facility. Some seniors can use the Ohio Residential State Supplement Program (RSS), a program that can cover some of the expenses associated with a residential care experience. The state also offers an Assisted Living Waiver program through Medicaid, which provides financial benefits for seniors who are Medicaid-eligible and choose assisted living care.

What are “Activities of Daily Living”?

Activities of Daily Living, or ADL, are general tasks required as a part of day-to-day living. They include getting out of bed, bathing, getting dressed, using the bathroom, cooking, eating and general cleaning tasks such as laundry. ADL are commonly a part of care in an assisted living facility.

What is the difference between assisted living and nursing homes?

The primary difference between an assisted living facility and a nursing home involves the level of medical care offered to residents. Basic first aid and medication management are permitted in an assisted living facility but any complex medical needs, such as feeding tubes or ventilator use, are best suited to a nursing home environment.

Who should consider assisted living?

Assisted living is a great solution for those who require extra assistance with the activities of daily living but who do not require substantial enough care to necessitate a nursing home. Many duties managed in an assisted living facility can be managed with the support of a home care aide rather than a medical professional.

The Top Cities for Senior Living in Ohio

Learn more about the cost of senior living in the top Ohio cities. Additionally, find reviews and information about assisted living facilities and other senior living communities across the state.

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