Paying for assisted living in New Hampshire
Most New Hampshire families pay for assisted living out of pocket at first, usually from savings, the sale of a home, retirement income, or a long-term care insurance policy. 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 compare current local pricing in the tables below before reading on about programs that may help offset the cost of care.
Keep in mind that "assisted living" bundles two very different expenses: the rent for housing and meals (room and board), and the personal-care and health services a resident receives. Public programs in New Hampshire only ever help with the care portion, never the room and board.
Does Choices for Independence cover assisted living in New Hampshire?
New Hampshire's Medicaid home- and community-based waiver, Choices for Independence (CFI), can help pay for the care and support services a person receives in an assisted living residence. It does not pay for room and board.
CFI is for adults who are assessed as clinically eligible for a nursing-home level of care but who choose to live in the community instead. Covered services can include personal care, homemaker help, case management, adult day services, and similar supports.
A few important points:
- CFI is not an entitlement, so there can be a waitlist even when you qualify.
- Eligibility is based on both a clinical assessment and Medicaid financial limits (income and assets).
- You apply by submitting a Medicaid application online through NH EASY, at a local DHHS District Office, or through your Aging and Disability Resource Center (ServiceLink). The Bureau of Elderly and Adult Services can also point you in the right direction.
Not every assisted living community participates in CFI, so ask a specific community whether it accepts the waiver before you assume the care costs will be covered.
Does Medicare cover assisted living in New Hampshire?
No. Medicare does not pay for room and board or for the ongoing custodial (personal) care that defines assisted living, in New Hampshire or anywhere else.
Medicare may still help with related medical needs, such as:
- Doctor visits, hospital stays, and prescription drugs
- Short-term skilled nursing or rehabilitation after a qualifying hospital stay
- Medically necessary home health or hospice care, when you meet the criteria
For free, unbiased help understanding what your Medicare plan covers, contact New Hampshire's State Health Insurance Assistance Program (SHIP), delivered through the ServiceLink / Aging and Disability Resource Center network.








