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Florence’s population growth has outpaced the United States average by almost double, and it’s growing five times faster than the main city in the greater metropolitan area, Cincinnati, Ohio. The state is considered tax-friendly for seniors — no tax on Social Security Income and a 0% marginal state tax rate, among other positives — and homeowners in Florence can receive further exemptions at age 65 and above. Medicare acceptance is high among local doctors and specialists, and they’ve been practicing longer than average for the state.
Kentucky as a whole is relatively affordable for assisted living, with an average monthly cost that’s $500 lower than the nation, although Florence itself is on the higher end of costs within the state. However, the difference in cost is often negligible when comparing some nearby cities and states.
Note: Data for Florence was unavailable, so data for the nearest city, Cincinnati (OH), was used instead.
Hundreds of thousands of American seniors utilize assisted living, a figure that is only growing. For these seniors, assisted living combines residential housing,assistance in daily activities, and some healthcare. These communities also strive to provide an atmosphere that is comfortable and engaging for their residents… Read More >
Seniors in assisted living communities around Florence should expect to pay an average of $4,245 per month, which is roughly 20% higher than Kentucky overall and 5% higher than the United States. Nearby states are less affordable, however, with Ohio being one of the most expensive at $4,339 per month.
As part of the Greater Cincinnati Metropolitan Area, the relatively small city of Florence is reliant on its larger neighbor for many services, and this also causes some cost sharing between the two. Assisted living is slightly cheaper in Louisville, with an average of $4,073 per month, and only marginally higher in Lexington at $4,297. The cost is dramatically lower in Owensboro — almost 50% below that of Florence — while costs in Elizabethtown and Bowling Green are lower by 20% and 15%, respectively.
Financial assistance in Florence and the state as a whole is quite limited for those in assisted living facilities and personal care homes. Low-income seniors may be eligible for Kentucky Medicaid and its HCB waiver program, which can help cover some of the personal care costs. Residents of non-Medicaid facilities within the state may be eligible for a small increase to their monthly SSI payments via the Optional State Supplement.
Read about the specifics on eligibility and services on our Assisted Living in Kentucky page.
| Contact | Description | |
| Aging and Disability Resource Center | (859) 692-2480 | Northern Kentucky Area Development District works with local, state and federal agencies and service providers to help the senior population in Florence. This center is also the Area Agency on Aging for Boone County, which makes it a good first step in finding information and services at the local level. Staff can assist with Medicare, provide assessments for components of the Medicaid HCB waiver and make connections with other public-funded services. All services are free for eligible residents. |
| Boone County Veterans Affairs | See website for local contacts | The Kentucky Department of Veterans Affairs has multiple offices throughout the county, which is located in the District 9 service area. Seniors and their eligible dependents can get help applying for state and federal VA benefits and other services, such as counseling and admittance to veterans homes. Staff members are fully accredited by the VA and employed by the state to provide these services at no cost to veterans. |
| Northern Kentucky Community Action Commission | (859) 586-9250 | NKCAC operates eight neighborhood centers in the region, including the Boone County center located in Florence. Residents with low to moderate income are connected with information and services from government programs, private businesses and social organizations. Popular services include case management, finance and debt counseling, referral services and general information at the county level. |
| Legal Aid of the Bluegrass | (859) 431-8200 | Seniors and other vulnerable groups in Florence can receive free legal assistance and education from Legal Aid of the Bluegrass. The team of attorneys can provide direct representation in civil matters and make referrals to other relevant services. LABG also has a long-term care ombudsman who investigates allegations of elder abuse in assisted living facilities and elsewhere in the community. |
| Health Insurance and Benefits Counseling | (877) 293-7447 (option #2) | The State Health Insurance Assistance Program (SHIP) is a free service of the Department of Aging and Independent Living. Seniors and people with disabilities in Florence can receive one-on-one counseling and information on health insurance and benefits by phone or in person. SHIP also works in conjunction with the Department for Public Health to help connect residents with prescription discount programs from pharmacies, drug manufacturers and other sources. |
Kentucky Department for Aging and Independent Living (DAIL) is responsible for certifying assisted living facilities in Florence, and the Cabinet for Health and Family Services (CHFS) oversees personal care homes. The main difference between categories is that assisted living facilities are private-owned businesses that can’t be reimbursed by the state.