Alzheimers, Dementia & Memory
Care Facilities in Minnesota

If you have been scouring the internet looking for memory care facilities in the state of Minnesota for your parent or loved one, then you understand how difficult it can be to find a good facility in your area. You may not know where to start, or what to look for in memory care homes. Well, that is why we are here.

Minnesota has multiple great options for dementia care communities that will take care of your family member and provide the specialized care necessary for their dementia or Alzheimer’s symptoms. But you need to know where to look. In this article, we will go over all the information that you will need to get started, so that you can find dementia and Alzheimer's care homes in your area.

Memory Care Costs in Minnesota

Memory care facilities in Minnesota provide specialized support for individuals with Alzheimer's and dementia. Costs vary across the state, with differences reflecting factors such as location, amenities, and level of care. Below is a summary of memory care costs in Minnesota's largest cities:

Minnesota's statewide average of $5,884 aligns with the national memory care average. Costs in major cities like Minneapolis and St. Paul are higher, reaching nearly $6,800 per month, while more affordable options exist in cities like Mankato ($4,094).

Comparatively, neighboring states like North Dakota and South Dakota have lower average costs, around $4,300. For example, Sioux Falls, SD, averages $3,817 monthly. Conversely, Wisconsin and Iowa are more expensive, with Wisconsin averaging over $5,400 and Iowa around $5,100 per month.

Memory care costs in Minnesota generally reflect the state’s commitment to providing high-quality care but offer some regional variability for those seeking more affordable options.

Cost of Memory Care in Most and Least Expensive Zip Codes in Minnesota

Memory care costs in Minnesota can vary significantly depending on the zip code. Below is a table showcasing the five most expensive and five least expensive zip codes for memory care in the state, based on available data for 2024.

As reflected in the table, the highest costs for memory care in Minnesota tend to be concentrated in the St. Paul and Minneapolis areas, with average monthly rates exceeding $6,500. In contrast, Mankato stands out as the least expensive area, with costs significantly lower at around $4,094 per month.

Cost of Memory Care vs Other Senior Living Options

Here’s a comparison of memory care costs to other types of senior living in Minnesota, based on 2024 averages:

Cost Breakdown:

• Memory Care: Memory care costs more than standard assisted living because it provides specialized services for individuals with dementia or Alzheimer's. It averages $5,884 per month in Minnesota.
• Assisted Living: Assisted living is generally less expensive, with an average cost of $3,800 per month. It provides general support with daily activities but lacks the specialized care needed for dementia.
• In-Home Care: In-home care, which offers support in the home for daily living, costs an average of $5,529 per month. This option allows seniors to stay in their own homes with assistance.
• Home Health Care: Slightly more expensive than in-home care, home health care costs about $5,815 per month. This service includes medical care and nursing visits provided in the home.
• Adult Day Care: The least expensive option, adult day care, costs about $1,820 per month. It provides socialization and supervision during the day for seniors who do not need full-time care.
• Nursing Home Care: Nursing home care is the most expensive, averaging $10,076 per month, as it provides 24/7 medical care and assistance with all activities of daily living.

In summary, memory care is more costly than other senior care options except for nursing home care. However, it is more affordable than 24/7 nursing care, and it is designed to meet the specialized needs of individuals with dementia.

Can You Use Medicare to Pay for Memory Care in Minnesota?

In Minnesota, as in other states, Medicare is a federal health insurance program primarily designed for individuals aged 65 and older, as well as certain younger individuals with disabilities. While Medicare provides coverage for a variety of health care services, it does not typically cover long-term care services, such as memory care, in the way people often expect. However, there are specific aspects of memory care that may be covered under Medicare in certain circumstances.

What Is Memory Care?

Memory care is a specialized type of long-term care focused on supporting individuals with Alzheimer’s disease, dementia, and other memory-related conditions. Memory care often takes place in residential settings, such as memory care units within assisted living facilities, where staff are specially trained to help residents manage their symptoms.

Medicare Coverage for Memory Care in Minnesota

Medicare, as a health insurance program, will generally not cover the costs of long-term stays in memory care units or assisted living facilities in Minnesota. However, there are exceptions for specific health services or situations:

1. Skilled Nursing Care: Medicare can cover skilled nursing care on a short-term basis if it is medically necessary and following a qualifying hospital stay. For instance, if a person with dementia is hospitalized and needs short-term rehabilitation in a skilled nursing facility (SNF), Medicare Part A can cover the cost of this care for up to 100 days, as long as specific criteria are met. However, this coverage is not designed for long-term memory care.

2. Home Health Care: Medicare may provide coverage for home health care services for individuals who meet the eligibility criteria. This can include part-time or intermittent skilled nursing care, physical therapy, and occupational therapy, which might benefit someone with memory loss. However, the services must be provided in the person's home, not in an assisted living or memory care facility.

3. Hospice Care: If a person with a memory disorder is nearing the end of their life, Medicare may cover hospice care, which focuses on comfort rather than curative treatment. This is available under Medicare Part A and can be an important resource for individuals with advanced dementia or Alzheimer’s disease. Hospice care typically includes nursing care, pain management, and support for both the patient and their family.

4. Medicare Advantage Plans (Part C): Some Medicare Advantage plans offered by private insurers in Minnesota may have additional coverage options beyond what original Medicare provides. These plans could potentially offer more comprehensive coverage for care in a memory care facility, although they still would not generally cover long-term stays.

Medicaid in Minnesota as a Potential Option for Memory Care

While Medicare is limited in its coverage for long-term memory care, individuals who meet specific financial and medical eligibility criteria may qualify for Minnesota Medicaid (known as Medical Assistance in Minnesota). Medicaid can cover long-term care services, including memory care in assisted living or nursing homes, for individuals who meet both the medical and financial requirements.

To qualify for Medicaid in Minnesota, a person must meet specific income and asset limits, which are adjusted regularly. The application process can be complex, and many individuals work with local agencies or social workers to help navigate the system.

Long-Term Care Insurance

Another option to consider for those seeking memory care in Minnesota is long-term care insurance. This type of insurance can provide coverage for extended stays in memory care facilities, although it depends on the policy. It is advisable for individuals to check the terms and conditions of their long-term care insurance plan to understand what is covered.

Other Resources for Memory Care in Minnesota

For those who do not qualify for Medicare or Medicaid coverage, other funding options, such as veteran's benefits or assistance from non-profit organizations, may be available in Minnesota. Local agencies, such as the Minnesota Board on Aging and other senior support organizations, can also provide resources and guidance for finding affordable memory care options.

Memory Care Admission Requirements in Minnesota

Here are the key admission requirements and guidelines for memory care facilities in Minnesota:

1. Medical Diagnosis of a Cognitive Impairment

The primary requirement for admission to a memory care facility in Minnesota is a formal diagnosis of a cognitive impairment, such as Alzheimer’s disease, dementia, or other related conditions. This diagnosis must be made by a licensed healthcare professional, such as a physician or neurologist. The diagnosis should clearly indicate that the individual requires specialized care due to significant memory loss or cognitive decline.

2. Assessment of Care Needs

Once a medical diagnosis is confirmed, most memory care facilities in Minnesota will conduct an assessment to evaluate the individual's specific care needs. This assessment typically includes:

• A review of medical history and current health conditions.
• An evaluation of the person’s ability to perform activities of daily living (ADLs), such as eating, dressing, grooming, and bathing.
• An assessment of behavioral issues, mobility, and the need for medication management.

The goal of this assessment is to determine whether the person’s care needs align with the services provided by the memory care facility, ensuring that they can be adequately supported in that environment.

3. Safety and Security Needs

Memory care facilities in Minnesota are designed to meet the safety and security needs of residents who may have wandering tendencies or difficulty recognizing danger. These facilities often feature secure environments, such as locked doors, fenced-in outdoor areas, and monitoring systems to prevent residents from leaving the facility unsupervised. Admission will depend on the facility’s ability to meet these safety needs.

If a resident is at risk of wandering or becoming disoriented, the facility will assess whether it can offer a secure and supervised environment. If the individual requires more intensive care than the facility can provide, they may not be admitted.

4. Capacity to Benefit from the Facility’s Services

Memory care facilities in Minnesota assess whether an individual is likely to benefit from their specialized services. This involves ensuring that the resident’s cognitive condition aligns with the care provided. For example, some facilities may only admit individuals in the early to middle stages of dementia, while others may be equipped to handle residents in advanced stages. The facility will also assess whether the individual’s physical and medical needs can be safely managed.

5. Ability to Pay for Services

Memory care services in Minnesota are typically private-pay, though some facilities may accept Medicaid if the resident meets eligibility criteria. Many facilities require proof of financial stability or access to long-term care insurance or private funds. For individuals who wish to pay using Medicaid, it’s important to check whether the facility accepts Medicaid or participates in the Medicaid Waiver Program for people with dementia and related disorders.

6. Behavioral and Mental Health Considerations

Some residents may have co-occurring mental health conditions, such as depression or anxiety, along with their cognitive impairment. While memory care facilities in Minnesota are equipped to handle a variety of mental health needs, admission may be restricted for individuals with severe psychiatric conditions that require more intensive psychiatric care. The facility will assess whether the resident’s behavioral health needs can be managed alongside their cognitive impairment.

7. Personal Care and Dietary Needs

The ability of a memory care facility to meet an individual’s personal care and dietary needs is another critical consideration. Minnesota memory care facilities are required to provide assistance with daily living activities, including personal hygiene, grooming, and feeding, as well as ensuring that meals are appropriate for individuals with dietary restrictions or specific health conditions.

Before admission, families and potential residents should discuss any special dietary requirements, such as food allergies, restrictions due to medical conditions, or preferences, to ensure that the facility can accommodate these needs.

8. Advance Directives and Legal Considerations

Many memory care facilities in Minnesota require documentation regarding the individual’s wishes related to advance directives, including a living will, healthcare proxy, and power of attorney. This ensures that the facility can respect the resident’s wishes in case of a medical emergency or health deterioration. Having legal documents in place also helps clarify decision-making authority, especially when the resident is no longer able to communicate their preferences.

9. Family and Caregiver Involvement

Admission to a memory care facility in Minnesota often involves family members or caregivers in the decision-making process. Facilities typically encourage family members to be involved in the assessment process and care planning to ensure that the needs of the individual are fully understood and met. This can include discussing the individual’s history, personality, preferences, and any specific concerns related to their cognitive or physical health.

10. Waiting Lists and Availability

It’s important to note that many memory care facilities in Minnesota may have waiting lists due to high demand for specialized care. Facilities often prioritize residents based on their level of care needs, and some may have specific policies regarding the admission of new residents. Families should inquire about availability and waiting lists as early as possible to ensure that they are prepared when a space opens up.

Who are Minnesota Dementia and Alzheimer's Care Facilities For?

Dementia care facilities are designed to handle the unique challenges that come with patients who suffer from severe symptoms of dementia and Alzheimer’s. Sufferers can lose the ability to handle daily tasks that once were second nature, and they may have severe memory loss that causes them to not recognize their family members.

These symptoms can impact a patient’s life significantly, so Alzheimer's care facilities aim to help patients by providing specialized care that will aid in preventing the worsening of their symptoms.

Although most elderly people will likely deal with some memory loss, the severity of the disease is more than the average person will deal with. So, there is specially trained staff that is able to handle these specific situations.

Amenities Offered in Minnesota Memory Care Facilities

If this is your first time having to look for Minnesota memory care communities, then you may not know how to determine if a facility is a good choice or not. There is one way to see if a facility is really up to par, and that is by checking out the amenities that they offer to their residents. These Alzheimer's care homes will have special care that is offered to their residents that won’t be available elsewhere.

These amenities can include weekly laundry service, personal care services, and 24/7 medical care and supervision. These are important for facilities to have, because dementia patients are often in need of multiple care services and they must receive the personal and medical care that they need to prevent their symptoms from getting worse.

Other amenities that may be offered are social activities that are hosted in common areas of the facility. This might be a game night, movie night, or a holiday or special event. These events and activities allow the residents to interact and create a sense of community, and also give the seniors’ families a chance to visit and participate.

Memory Care in Minnesota or Assisted Living and Nursing Homes?

Facilities that provide memory care in Minnesota offer specialized care that separates them from other facilities. Assisted living and nursing homes may seem similar, but they are not the same types of homes. Although all three types of these facilities are residential living homes that allow patients to receive medical care, they are not all the same.

Minnesota dementia care homes are meant for those who suffer from much more severe symptoms and who likely wouldn’t be able to live on their own without proper medical care. So, Alzheimer's care communities have specialized care that is more involved and tailored to each specific patient’s needs.

This type of care requires specially trained staff and often requires more medical staff to be available to the patients.

Other issues, like the layout of the facility, can also differentiate these homes from one another. Dementia patients can get frustrated and confused if they are unable to recognize where they are, and this issue is exacerbated by a complicated floor plan. If the residents get confused easily, then having a layout that is simple and easy to follow can make a big difference in their daily life. So, having specific layouts for these patients is also a way that these facilities cater to their patient's needs.

Questions to ask Minnesota memory care facilities

When considering a memory care facility in Minnesota for a loved one, it's important to ask detailed and specific questions to ensure that the facility provides the level of care, security, and environment that best suits their needs. Below is a comprehensive list of questions that can guide you through the process.

1. What is your approach to memory care?

• Ask about the facility's philosophy and methods for caring for residents with Alzheimer's, dementia, or other cognitive impairments. Do they follow a specific model or provide individualized care plans?
• What type of activities and therapies are used to support cognitive health, improve quality of life, and engage residents?

2. What types of memory care programs do you offer?

• Inquire about the structured programs available for residents, including cognitive stimulation, physical activities, socialization opportunities, and creative therapies (e.g., music or art therapy).
• Do they provide specialized care for different stages of memory loss?

3. What is the staffing ratio?

• Find out how many staff members are on duty at various times of the day and night. A low staff-to-resident ratio is a good indicator of personalized care.
• What are the qualifications and training requirements for staff members working with residents with memory loss or dementia?

4. How is care personalized for each resident?

• Ask how the facility assesses new residents to determine their needs and preferences. What steps are taken to tailor care plans to individual residents?
• How often are care plans updated?

5. What are the qualifications of the caregivers?

• Are staff members certified in dementia care? Do they have experience with specialized needs such as wandering, aggression, or incontinence?
• Are there regular training sessions for caregivers on handling dementia-related behaviors and best practices?

6. How is the facility designed for memory care?

• What safety features are in place to protect residents, such as secure entrances, exit alarms, and enclosed outdoor spaces?
• Does the design help minimize confusion and disorientation, with clear signage, familiar surroundings, and accessible spaces?

7. What activities are available for residents?

• Inquire about the types of daily activities and their frequency. Do these activities promote cognitive function, physical health, and emotional well-being?
• Are activities designed to meet various levels of cognitive abilities, or are they flexible enough to accommodate residents with varying needs?

8. How do you handle emergencies?

• What is the protocol for medical emergencies, including falls, health crises, or behavioral issues?
• Are there nurses or medical professionals on-site, and how quickly can emergency services be accessed if needed?

9. How do you support family members?

• Ask about resources and support provided to family members. Do they offer counseling, support groups, or educational programs to help families understand and cope with memory loss?
• What kind of communication do they provide to families about their loved one's care, progress, and well-being?

10. What are the costs and what is included?

• Understand the full cost of care, including monthly fees, what’s included in those costs (meals, activities, medical care, personal care), and what additional services may incur extra fees.
• Are there any financial assistance options, such as long-term care insurance or Medicaid, that can be used at the facility?

11. What are the visiting hours and policies?

• Are there any restrictions on visiting hours or policies for family and friends? Can visits be made at any time?
• How does the facility accommodate residents’ need for privacy while encouraging family involvement?

12. What is the facility's policy on managing difficult behaviors?

• Memory care residents can experience challenging behaviors such as aggression, agitation, or sundowning. How does the facility handle these situations?
• Are medications used as a first line of treatment, or are non-pharmacological interventions prioritized?

13. How do you handle transitions, such as when a resident’s condition worsens?

• What steps are taken if a resident’s condition deteriorates and their current care needs exceed the facility's capabilities?
• Does the facility offer or coordinate hospice care or other specialized services if needed?

14. What are your policies for ensuring socialization and community?

• How do you encourage socialization among residents? Is there a balance between group activities and quiet, individual time?
• What are the policies for engaging residents in community events, either within the facility or through outings?

15. What is the staff turnover rate?

• High turnover rates can negatively affect the continuity of care. Ask about the facility's staff retention rate and what they do to foster a stable and experienced workforce.

16. Can you provide references from current or past families?

• Ask for references from other families whose loved ones are currently residing at the facility or have lived there in the past. This can provide insight into the quality of care and the overall experience of the residents and their families.

17. Are there any certifications or accreditations?

• Is the facility accredited by any recognized organizations, such as the Commission on Accreditation of Rehabilitation Facilities (CARF) or the Joint Commission? This can indicate that the facility adheres to high standards of care.

18. What are the facility's policies regarding end-of-life care?

• If your loved one’s condition is expected to worsen over time, understanding the facility’s approach to end-of-life care and their relationship with hospice services is essential.
• Do they have a clear protocol in place for managing the final stages of life in a dignified and comfortable manner?

Memory care regulations in Minnesota

In Minnesota, memory care facilities must adhere to specific regulations designed to ensure the safety, well-being, and quality of life for individuals with Alzheimer's disease, dementia, or other memory-related conditions. These regulations are enforced by the Minnesota Department of Health (MDH), which sets standards for licensing, staffing, physical environment, and care practices in memory care settings.

Licensing Requirements

Memory care facilities in Minnesota are regulated under the state's Assisted Living Licensure law, which came into effect in 2021. Under this law, all facilities providing care to individuals with memory impairments must be licensed as assisted living facilities or certified as a specialized care unit within a larger assisted living facility. These facilities must meet specific criteria outlined in the law, including the provision of specialized services such as structured daily routines, appropriate supervision, and staff training in dementia care.

Staffing and Training

Minnesota regulations require memory care facilities to maintain adequate staffing levels to meet the needs of residents. Staff members must receive specialized training in dementia care, which includes recognizing behavioral changes, managing difficult symptoms, and providing emotional support. Facilities are also required to have staff available around the clock, and specific ratios of staff to residents are mandated based on the needs of the individuals in care.

Additionally, staff must undergo criminal background checks before employment. Facilities are also expected to ensure that their workforce maintains ongoing education and training to stay current with best practices in memory care.

Care Planning and Resident Rights

Minnesota law mandates that memory care facilities develop individualized care plans for each resident. These plans must be tailored to the specific needs of the individual and reviewed regularly to ensure they are up-to-date. The care plan should address aspects such as medical needs, personal care assistance, and behavioral management strategies.

Memory care residents have rights that are protected under Minnesota's elder care laws. These rights include the right to privacy, dignity, and respect, as well as the right to participate in decisions about their care. Facilities are required to have policies in place to protect these rights and address complaints or grievances from residents and their families.

Physical Environment and Safety

The physical environment in memory care facilities must be designed to promote safety and reduce confusion for individuals with memory loss. This includes features such as secured exits to prevent wandering, clear signage, and secure spaces to reduce risks of falls or injury. Additionally, memory care units should have appropriate lighting, non-slip floors, and furnishings that support mobility and ease of access.

In accordance with state regulations, facilities must also conduct regular safety drills and emergency preparedness training to ensure the safety of residents during emergencies, such as fires or natural disasters. This includes having clear evacuation plans in place for residents who may have difficulty understanding or following instructions.

Medication Management

Minnesota's regulations also address medication management in memory care settings. Facilities must have a system in place to safely store, administer, and document medications. Trained staff, often including licensed nurses, are responsible for ensuring that residents receive the correct medications at the prescribed times. Facilities must also regularly review residents' medications for potential side effects or interactions, with adjustments made as necessary to ensure optimal care.

Inspections and Compliance

Memory care facilities in Minnesota are subject to regular inspections by the MDH to ensure compliance with state regulations. Inspections assess various aspects of facility operations, including staffing, care plans, safety protocols, and adherence to resident rights. Facilities that do not meet regulatory requirements can face penalties, including fines, suspension of their license, or closure.

Financial Considerations

In addition to care and safety regulations, Minnesota has provisions regarding the financial aspects of memory care. This includes oversight of Medicaid and private-pay arrangements to ensure that individuals are not being charged inappropriately for services. Memory care units are required to provide transparency in billing and financial transactions, offering clear breakdowns of charges for services provided.

How to Pay for Dementia and Alzheimer's Care in Minnesota

When you have to watch a parent or loved one deal with advanced symptoms of dementia or Alzheimer's, it can be difficult for the family. Then, finding homes that offer dementia care can be an added stressor. However, one of the biggest issues that people find overwhelming is figuring out how to pay for a loved one’s care.

Minnesota memory care facilities can cost as much as nearly $7,000 every month in some of the most expenses facilities in Minnesota, just for one patient. This number can be a lot to think about. Luckily, the state of Minnesota offers different ways of lowering or covering the costs of care for dementia care facilities.

Medicaid is the biggest way of helping to cover the costs of care. For individuals in significant financial need, this program will completely cover the cost of residential care. This allows those with financial need to receive the care they need without having to pay out of pocket.

For those who don't qualify for full coverage, there are Medicaid waivers available that will help lower the costs by offering to cover smaller amounts for personal care services, adult day care, or home modifications. These waivers aim to help those who may be able to stay in their place of residence so that they don't have to leave their homes and be placed in a Minnesota memory care facility. These patients receive care from family members, personal care assistants, and home health aides.

It can be a tough journey to start finding memory care facilities for our parent or loved one, but it is something that must be done when necessary. However, the information that is found in this article can help you find and pay for a facility so that you don't have to feel like you are doing this all alone.