Paying for assisted living, memory care, or other types of senior care in Florida can feel like trying to solve a complex puzzle—especially during a health crisis. Many families are surprised to learn that Medicare and private health insurance often don’t cover the costs they expected, leaving them stressed and struggling to find a quick solution.
At Westminster Communities of Florida, we’ve been guiding Florida seniors and their families for more than 70 years. Our team of experts has created this introductory guide to help you understand what Medicare, Medicaid, and long-term care insurance actually cover—and how to start planning for care before it’s urgent.
Medicare vs. Medicaid: What’s the Difference?
Before diving into what services are covered, it’s important to understand the difference between these two government programs:
- Medicare is a federal health insurance program for individuals 65 and older, and for younger people with certain disabilities.
- Medicaid is a state and federal program that helps cover health care costs for individuals with limited income and resources. In Florida, it may also cover certain types of long-term care.
Does Medicare Cover Assisted Living?
Short answer: No.
Medicare does not pay for assisted living communities, which provide housing, meals, personal care, and some nursing support. These costs are considered “custodial care” and are not eligible for Medicare reimbursement.
Does Medicaid Pay for Assisted Living in Florida?
Partially—under certain conditions.
Medicaid may help cover specific, health care-related services in assisted living, such as medication management, nursing, etc. However, Medicaid does not cover room and board, and availability for seniors with Medicaid can be limited depending on the community.
Most residents in assisted living pay from personal savings, and the average monthly cost in 2025 was around $5,500, though this varies by location.
Does Long-Term Care Insurance Cover Assisted Living?
Yes.
If you or your loved one has a long-term care insurance policy, it can typically help pay for:
- Assisted living
- Memory care
- Home care
- Skilled nursing care
Planning tip: The earlier you purchase long-term care insurance—ideally before your 60s—the more affordable the premiums and the lower the risk of being denied due to health conditions.
How Do I Pay for Memory Care?
Memory care services may be provided in an assisted living setting or in a skilled nursing facility, depending on your loved one’s needs.
- Most costs are paid out-of-pocket or through long-term care insurance.
- Some services may be covered by Medicare, Medicaid, or VA benefits if they are medically necessary.
Life Plan Communities: A Long-Term Solution for Senior Living in Florida
At Westminster Communities of Florida, we offer a model called a Life Plan Community (also known as a Continuing Care Retirement Community or CCRC). This senior living option combines:
- Independent living with maintenance-free apartments or villas
- On-site assisted living, memory support, rehabilitation, and skilled nursing
- A wellness-focused lifestyle with events, fitness programs, and dining
One of the major advantages? You plan ahead, so you’re ready if care is ever needed.
Westminster residents also benefit from:
- A 20 percent discount on higher levels of care
- Benevolent care eligibility, if you outlive your financial resources through no fault of your own
Take the First Step—Before a Crisis Happens
We know that researching senior care costs in Florida can be overwhelming. But the more prepared you are, the more empowered your choices will be.
At Westminster Communities of Florida, we’re here to guide you. Whether you’re comparing assisted living options or trying to understand what Medicare or Medicaid cover, our team is ready to help.
Contact us today to learn more about your options.
Let us help you navigate the journey with confidence and peace of mind.