Paying for assisted living in Idaho
Most Idaho families begin by paying for assisted living out of pocket. Common sources include retirement income, savings, the proceeds from selling a home, long-term care insurance, and certain veterans benefits. Costs vary widely depending on the community, the region of the state, the size of the apartment, and how much daily help a resident needs. You can see current pricing for specific communities in the pricing tables below.
Because private pay can be expensive, it's worth understanding early on what public programs may help, and what they will not cover.
Does Idaho Medicaid (Aged and Disabled Waiver) cover assisted living in Idaho?
Idaho Medicaid can help pay for the care and services a person receives in a licensed Residential Assisted Living Facility, but it never pays for room and board. That help comes mainly through the Aged and Disabled (A&D) Waiver, a Home and Community-Based Services program designed to support people who would otherwise need a nursing home.
Through the waiver, Medicaid may cover services such as personal care assistance, attendant care, skilled nursing, and other supports delivered in an assisted living setting. The resident is still responsible for the room-and-board portion of their monthly fee.
To qualify, an applicant generally must:
- Live in Idaho and be a U.S. citizen or eligible non-citizen
- Meet Medicaid's income and asset limits for long-term care
- Need a nursing-home level of care, confirmed by a Level of Care assessment
You apply through the Department of Health and Welfare (online via idalink, by phone, in person, or by mail). Because the waiver is not an entitlement, a waiting list can apply.
Does Medicare cover assisted living in Idaho?
Medicare does not pay for assisted living room and board or for ongoing custodial care (help with bathing, dressing, and other daily activities), which is the heart of what assisted living provides.
Medicare may still cover related medical needs, such as:
- Doctor visits, hospital stays, and prescription drugs
- Short-term, skilled care in a nursing facility after a qualifying hospital stay
- Medically necessary home health or hospice care
For free, unbiased help understanding your Medicare options, contact Idaho's Senior Health Insurance Benefits Advisors (SHIBA) program at 1-800-247-4422.







