Paying for assisted living in South Carolina
In South Carolina, assisted living communities are licensed as Community Residential Care Facilities (CRCFs). Most families pay for them privately at first, drawing on retirement income, savings, the sale of a home, long-term care insurance, or veterans benefits. Costs vary widely by community and by region of the state, so it helps to compare several options side by side. You can review current pricing for communities near you in the pricing tables below.
Over time, some families also use a state Medicaid waiver to help cover the care portion of the bill, though never the room-and-board portion.
Does South Carolina Healthy Connections Medicaid cover assisted living in South Carolina?
South Carolina's Medicaid program, called Healthy Connections, can help pay for personal care and support services delivered in an assisted living (CRCF) setting through its home- and community-based Community Choices Waiver, administered by Community Long Term Care.
A few things to keep in mind:
- Medicaid never pays for room and board — only the care and support services.
- To qualify, an applicant generally must meet a nursing facility level of care and meet Medicaid's income and asset limits.
- Not every assisted living community accepts the waiver, so ask before you commit.
To begin, apply for Healthy Connections Medicaid, then contact Community Long Term Care about the waiver. A SHIP counselor or your local Area Agency on Aging can help you navigate the steps.
Does Medicare cover assisted living in South Carolina?
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 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. For free, unbiased help understanding what Medicare does and doesn't cover, contact South Carolina's State Health Insurance Assistance Program (SHIP), known locally as I-CARE, through the South Carolina Department on Aging.






