Miami is situated in the southernmost region of Florida on the Atlantic Coast. It’s sought out for its sunny, warm weather, which provides plenty of opportunities year-round to enjoy outdoor activities, and it has nearly endless restaurants and cultural amenities to keep you busy through your retirement years. Its cost of living is 20% higher than state and national averages, but the state’s lack of income tax may offset higher living expenses.
Assisted living is a popular option for older adults who need help with some daily living activities, such as personal grooming or meal preparation, but are mostly independent. These facilities have convenient services, such as daily meals and snacks, transportation and recreational activities, and many have on-site amenities, such as pools, public computers and beauty salons. While monthly care costs vary depending on the facility’s location and amenities, seniors in Miami typically pay $4,385 per month for services.
In this guide, you can find more information on assisted living costs in Miami, including how monthly rates compare to other cities throughout Florida. The guide also outlines popular options for paying for care and an overview of the nonprofit agencies and programs that can help you find affordable care.
communities in Miami, FL | 6 nearby communities
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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 >
COVID-19 Rules and Restrictions for Assisted Living in Miami
COVID-19 restrictions and rules for Assisted Living Facilities are typically set by the state – to see the rules in your state, you can read our guide to Assisted Living in Florida. Keep in mind that there may be other policies that communities put in place to protect their residents, so you should contact your local community for more information. Additionally, you can contact your local Area Agency on Aging to learn more – find contact information here.
In Miami, assisted living facilities charge $4,385 per month for services. This is nearly $400 higher than the state median of $4,000. However, it’s more affordable than the national average of $4,500.
The United States
For those seeking more cost-effective care, Sebring is one of the cheapest places in Florida to access assisted living services, with monthly fees averaging $3,436. In Port St. Lucie, local care costs come in at $3,763, and in Orlando, older adults pay $4,000 per month for care. Miami is affordable compared to several Florida cities, however. Local rates are lower than in Palm Bay, where facilities charge $4,461. In Panama City, residents pay $5,081 for services, and in Naples, care costs are nearly $1,000 higher than in Miami at $5,300.
Port St. Lucie
How to Get Financial Assistance for Assisted Living in Miami
More Ways to Pay for Assisted Living
Since not everyone can afford to pay for assisted living out-of-pocket, it’s important to find alternative methods to help make assisted living more affordable. Some of these options include:
Life Insurance Policy
Long-Term Care Insurance
For more information about your options for making assisted living more affordable, visit our guide to Assisted Living in Florida.
The Alliance for Aging, Inc., is the Area Agency on Aging for the Miami region. This agency has specialists who can help qualifying individuals apply for the Statewide Medicaid Managed Care Long-Term Care program, which can help cover assisted living expenses. It provides financial and legal counseling, health insurance advice and information and referral services to help you connect with community-based programs. It also operates the Elder Helpline, which you can call at (800) 963-5337 for help with finding services, such as transportation and durable medical equipment loans.
Miami-Dade County’s Veteran Service Program is staffed with specialists who help older veterans and their qualifying family members access local, state and federal benefits, including those that pay for long-term care expenses. The program provides benefits counseling and can help you gather supporting documents and fill out and follow up on applications. It can also help eligible individuals access dependence and indemnity compensation, pension and hospitalization coverage.
The Mayor’s Initiative on Aging provides up-to-date information on policies and programs that affect seniors, as well as things to consider when finding assisted living. It oversees the Helen M. Sawyer Assisted Living Facility, which may be a budget-friendly alternative to private assisted living services for individuals with limited means. It also provides information on prescription drug assistance for Medicare beneficiaries.
If you need help enrolling in Medicare, understanding your benefits or determining whether you qualify for money-saving programs, such as Medicaid and Medicare Savings Programs, SHINE may be able to help. This free program is staffed by trained volunteers who can answer your questions, provide benefits screening and help you resolve issues, such as denied health insurance claims or canceled Medicare Advantage plans.
Older Miami residents have access to the Foster Grandparent Program, RSVP and Senior Companion Program. Each program provides you with meaningful ways to use your interests, talents and time to serve your community. Depending on the program you select, you may become eligible for benefits, such as hourly tax-free stipends, daily hot meals, transportation allowance or reimbursements and supplemental liability insurance.
Dade Legal Aid provides free civil legal assistance to Miami residents aged 60 and over. Its licensed legal professionals specialize in age-related areas, such as drafting wills, assigning guardianship and powers of attorney and filing insurance claims. It can also help qualifying individuals apply for public and veterans’ benefits that may help cover assisted living expenses.
Miami-Dade County’s Active Older Adults Program hosts recreational activities for those aged 55 and over at local parks, all of which are in Miami proper. Through this program, you can participate in age-friendly fitness classes, Walk 4 Life, sewing and ceramics classes, choir and table games. The program also includes congregate meals and organizes field trips to area destinations throughout the year.
Miami Assisted Living Laws and Regulations
Assisted Living Facilities in the Miami area are required to follow a set of rules and regulations that are determined at the state level. For an overview of those rules and regulations, see the information below. For more specific information, talk with your local community or Area Agency on Aging.