Paying for assisted living in Minnesota
Most Minnesota families pay for assisted living privately at first, using a mix of retirement income, savings, the proceeds from selling a home, long-term care insurance, or help from family. Costs vary widely depending on the region, the size of the apartment, and how much daily care a resident needs. You can compare typical pricing for specific communities and areas in the pricing tables below.
Because assisted living can be a major expense, it helps to understand early on what public programs will and will not cover, so you can plan for the long term.
Does Medical Assistance (Elderly Waiver) cover assisted living in Minnesota?
Medical Assistance (MA) is Minnesota's Medicaid program. MA itself does not pay for assisted living room and board, but through the Elderly Waiver (EW) it can help cover the care and support services delivered in a licensed assisted living facility. In waiver language, these are called "customized living" services.
To qualify for the Elderly Waiver, a person generally must:
- Be age 65 or older
- Be eligible for Medical Assistance (meeting income and asset limits)
- Need the level of care that a nursing home provides, based on a state assessment
Even when EW covers care services, the resident is still responsible for room and board. Eligibility is determined through a long-term care consultation and assessment arranged by your county or tribal agency. To start, you can apply for Medical Assistance and ask for a long-term care assessment; the Senior LinkAge Line can walk you through the process for free.
Does Medicare cover assisted living in Minnesota?
No. Medicare does not pay for assisted living room and board or for ongoing custodial care (help with bathing, dressing, meals, and supervision), which is the heart of what assisted living provides.
Medicare may cover related medical needs, such as:
- A short, medically necessary stay in a skilled nursing facility after a qualifying hospital stay
- Doctor visits, hospital care, and many prescriptions
- Medicare-certified home health or hospice care when you meet the criteria
For free, unbiased help understanding your Medicare options, contact Minnesota's State Health Insurance Assistance Program (SHIP), delivered through the Senior LinkAge Line at 800-333-2433.






