Paying for assisted living in Pennsylvania
Most families in Pennsylvania pay for assisted living out of pocket at first, often using a mix of retirement income, savings, the sale of a home, a pension, or long-term care insurance. Costs vary widely depending on the community, the region of the state, the size of the apartment, and how much daily care a resident needs. You can see current pricing for specific communities in the pricing tables below.
It helps to plan ahead. The base monthly rate (room and board) is usually separate from care fees, which can rise as a resident's needs increase. Ask each community for a full breakdown before signing.
Does Community HealthChoices (Medicaid) cover assisted living in Pennsylvania?
Pennsylvania's Medicaid long-term care program is Community HealthChoices (CHC), a managed-care program run by the Department of Human Services. Like all Medicaid programs, CHC never pays for room and board in an assisted living residence or personal care home. What it can help cover is the care and support a person receives in those settings, such as personal assistance, help with daily activities, and certain services.
To qualify, a person generally must:
- Be 21 or older
- Meet Medicaid's financial limits (income and assets)
- Need a nursing-facility level of care
You apply for the financial side through Medicaid (COMPASS or your county assistance office) and for long-term services through the Independent Enrollment Broker, who arranges a needs assessment. Because room and board is not covered, families still need a plan to pay the residential portion of the bill.
Does Medicare cover assisted living in Pennsylvania?
No. Medicare does not pay for assisted living room and board or for ongoing custodial care (help with bathing, dressing, eating, and similar daily tasks), which is the heart of what assisted living provides.
Medicare may still cover medically necessary services a resident receives, such as doctor visits, hospital care, short-term skilled nursing or rehabilitation after a qualifying hospital stay, and some home health services. For free, unbiased help understanding Medicare coverage, plans, and appeals, contact PA MEDI (formerly APPRISE), Pennsylvania's State Health Insurance Assistance Program.








