Paying for assisted living in Missouri
Most Missouri families pay for assisted living out of pocket when they first move in. Common funding sources include savings and retirement income, the sale of a home, long-term care insurance, and certain veterans benefits. Costs vary widely depending on the community, the size of the apartment, and the level of care a resident needs. You can see current pricing for communities in the pricing tables below.
It helps to plan early. Assisted living is generally less expensive than nursing home care, but it is still a significant monthly commitment, and prices differ from one part of the state to another.
Does MO HealthNet cover assisted living in Missouri?
MO HealthNet (Missouri's Medicaid program) does not pay for the room and board portion of assisted living. It can, however, help with some of the care and services for residents who qualify financially and clinically.
- Supplemental Nursing Care (SNC): A monthly state cash grant of up to $292 toward the fee at a licensed assisted living facility, plus a $50 personal needs allowance. It does not cover the full bill.
- Personal care through Home and Community Based Services (HCBS): Residents who need a nursing home level of care can be approved for personal care, advanced personal care, and nurse visits when their needs go beyond what the facility must provide.
To qualify, you must be eligible for MO HealthNet. In 2026, that means monthly income under $1,131 and assets under $6,220.50 for a single person 65 or older, not counting your home and one car. People with higher income may qualify through a spenddown. The sections below list every limit and how to apply.
Does Medicare cover assisted living in Missouri?
No. Medicare does not pay for assisted living room and board or for the ongoing custodial care (help with bathing, dressing, and similar daily tasks) that assisted living provides.
Medicare may still cover related medical needs, such as doctor visits, hospital stays, and a limited period of skilled care or rehabilitation after a qualifying hospital stay, wherever you live. For free, unbiased help understanding what Medicare does and does not cover, contact Missouri SHIP, the state's official State Health Insurance Assistance Program, listed below.







