Paying for assisted living in Alaska
Most families in Alaska start by paying for assisted living privately, using a mix of savings, retirement income, Social Security, the Permanent Fund Dividend, and sometimes proceeds from selling a home. Long-term care insurance and certain veterans benefits can also help.
Costs vary widely across the state, and prices in Anchorage, Fairbanks, or smaller communities can look very different from one another. See the pricing tables below for current figures by region and community.
Does Alaska Medicaid (the ALI Waiver) cover assisted living in Alaska?
Alaska Medicaid does not pay for the room-and-board portion of assisted living anywhere, but it can help pay for the care a resident receives.
The main pathway is the Alaskans Living Independently (ALI) Waiver, a Home and Community-Based Services waiver run by the Division of Senior and Disabilities Services. It is for adults 21 and older who need a nursing-facility level of care but choose to live in the community instead. The ALI Waiver can pay for residential supported living in a licensed assisted living home, along with services like care coordination, respite, chores, meals, and transportation.
To qualify, a person generally must:
- Be financially eligible for Alaska Medicaid, and
- Meet the nursing-facility level-of-care standard through a state assessment.
The ALI Waiver has a limited number of slots, so a waiting list can form. For a less intensive option, the Medicaid Personal Care Services (PCS) program can help with daily activities for people who do not need nursing-home-level care. To get started, contact an Aging and Disability Resource Center or the Division of Senior and Disabilities Services; apply for Medicaid through the Division of Public Assistance.
Does Medicare cover assisted living in Alaska?
No. Medicare does not pay for assisted living room and board or for ongoing custodial (personal) care, which is the help most assisted living residents need day to day.
Medicare may still cover related medical care, such as:
- Doctor visits and hospital stays
- Short-term skilled nursing or rehabilitation after a qualifying hospital stay
- Medicare-covered home health and hospice when eligible
For free, unbiased help understanding Medicare, Medigap, and Part D, contact Alaska's State Health Insurance Assistance Program (SHIP) through the Alaska Medicare Information Office.





