Alzheimers, Dementia & Memory
Care Facilities in Missouri

Are you looking for memory care facilities for a relative in your life? Then you have come to the right place. If you are in the Missouri area, then you have several great memory care facilities to choose from, you just have to know where to find them. This guide will help you start that process.

This article will start you off on the right foot by giving you the information that you need to be able to find and place your family member or loved one in a good facility. We know that this can be a tough time for family members, so we are here to help.

Memory Care Costs in Missouri

Memory care costs in Missouri can vary depending on location, level of care, and facility type. Below is a breakdown of the average memory care costs in Missouri, followed by costs in the ten largest cities in the state.

Average Memory Care Costs in Missouri

• Monthly Average Cost: $5,420
• Annual Average Cost: $65,040

Memory Care Costs by City

Summary of Memory Care Costs in Missouri

The average monthly cost of memory care in Missouri is about $5,420, with some cities like St. Louis and Kansas City being slightly higher at around $5,690 and $5,450 per month, respectively. Smaller cities, such as Columbia and Jefferson City, tend to have slightly lower monthly costs, around $5,200 to $5,300.

Comparing Missouri's costs to nearby states:

• Illinois: Average monthly costs range from $5,500 to $6,000, generally higher than Missouri’s.
• Kansas: Costs are similar to Missouri, averaging about $5,200 to $5,500.
• Nebraska: Memory care costs are also comparable, with averages around $5,200 to $5,400.

In general, Missouri’s memory care costs are in line with the regional average, offering a relatively affordable option compared to other states like Illinois.

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

The cost of memory care can vary significantly by zip code within Missouri. Below is a table of the 5 most expensive and 5 least expensive zip codes for memory care in the state.

In Missouri, the most expensive memory care zip codes are primarily located in the St. Louis area, with monthly costs ranging from $5,850 to $6,250. These zip codes include affluent neighborhoods such as West County, Ladue, and Clayton. On the other hand, the least expensive zip codes tend to be in more rural areas or smaller cities, where costs are typically between $4,500 and $4,850 per month. These differences reflect local demand and the cost of living in different regions of the state.

Comparison of Memory Care Costs to Other Types of Senior Living in Missouri

Memory care is generally more expensive than other types of senior living due to the specialized care and services required for individuals with Alzheimer's, dementia, or other cognitive conditions. Below is a comparison of memory care costs to other senior living options in Missouri, based on average monthly costs.

Summary of Memory Care Costs Compared to Other Senior Living Options in Missouri:

• Memory Care is the second most expensive option, with an average monthly cost of $5,420. It is specifically designed to provide care for those with dementia or Alzheimer's, which requires additional resources and staffing.
• Assisted Living is a more affordable alternative, with monthly costs averaging $4,200. Assisted living provides help with activities of daily living but does not specialize in memory care.
• Independent Living is the least expensive option at $2,900 per month, ideal for seniors who do not need ongoing medical care or assistance but prefer a community setting with amenities.
• Skilled Nursing Care is the most expensive option at $6,200 per month. It offers around-the-clock medical care, often for seniors with significant medical or physical needs, which drives the higher cost.
• Adult Day Care is the most affordable option at $1,600 per month. This is typically used for seniors who live independently or with family but require care and supervision during the day.

Overall, memory care falls between independent living and skilled nursing care in terms of cost, reflecting the specialized care required for residents with cognitive impairments.

Can you use Medicare to pay for memory care in Missouri?

In Missouri, Medicare can cover certain aspects of memory care, but it’s important to understand the limitations and eligibility criteria for coverage. Memory care typically involves specialized care for individuals with Alzheimer's disease or other forms of dementia, and it’s often provided in a skilled nursing facility or specialized memory care unit. While Medicare provides coverage for some medical services, it does not cover long-term memory care or custodial care that is not medically necessary.

What Medicare Covers for Memory Care in Missouri?

Medicare primarily covers hospital services, outpatient care, and certain home health services. When it comes to memory care in Missouri, Medicare may cover the following:

1. Short-Term Skilled Nursing Facility (SNF) Care: If your loved one needs temporary memory care after a hospitalization for a qualifying condition, Medicare may cover a stay in a skilled nursing facility in Missouri. To qualify, the person must have been hospitalized for at least three days and require daily skilled care (such as physical therapy, speech therapy, or skilled nursing) after being discharged. Medicare will cover up to 100 days in a skilled nursing facility, but only the first 20 days are fully covered. After that, the beneficiary will be responsible for a daily copayment.

2. Home Health Care: If the individual with memory impairment meets specific requirements, Medicare may cover home health services, such as intermittent skilled nursing care or physical therapy. For example, if the person needs assistance with activities of daily living, such as dressing or bathing, but does not require 24/7 care, Medicare may cover certain home health services, if prescribed by a doctor.

3. Medically Necessary Services: Medicare covers medically necessary services related to memory care, such as cognitive assessments, physician visits, and medications prescribed to treat the symptoms of dementia or other cognitive disorders.

What Medicare Does Not Cover for Memory Care in Missouri?

Medicare does not cover long-term custodial care, which is typically required in most memory care settings. Custodial care involves assistance with activities of daily living (ADLs), such as eating, bathing, dressing, and using the bathroom. These services are often needed in memory care facilities but are not covered by Medicare.

Additionally, Medicare does not cover:

• Long-Term Memory Care: Memory care in a nursing home or specialized dementia unit that does not involve skilled medical services is not covered.
• Assisted Living: Memory care in an assisted living facility is not covered under Medicare, even if the facility provides specialized dementia care.
• 24/7 Custodial Care: If your loved one requires 24-hour supervision and assistance with daily living, Medicare will not provide coverage for this type of care.

Alternatives to Medicare for Memory Care in Missouri

While Medicare has limitations, there are other ways to pay for memory care in Missouri:

1. Medicaid: Medicaid in Missouri may provide more extensive coverage for long-term care, including memory care, if the person meets the financial and medical eligibility requirements. Missouri’s Medicaid program, known as MO HealthNet, can cover services in a skilled nursing facility or in certain long-term care settings. Unlike Medicare, Medicaid covers custodial care if you meet the income and asset eligibility criteria.

2. Private Insurance and Long-Term Care Insurance: Some private insurance plans or long-term care insurance policies may cover memory care. It’s important to review the details of the insurance policy to understand coverage limits, exclusions, and requirements.

3. Veterans Benefits: If the individual has military service, they may be eligible for Veterans Affairs (VA) benefits, which can provide financial assistance for long-term care, including memory care services.

4. Personal Savings or Family Assistance: Some families use personal savings, family support, or financial resources to pay for memory care, especially if other options like Medicaid are not available.

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

Missouri dementia and Alzheimer’s care homes are specially designed residential facilities that offer involved medical care on-site to their residents. Patients who enter these types of dementia care facilities often need constant medical supervision due to their severe symptoms. Degenerative diseases like dementia and Alzheimer's can cause patients to have severe memory loss to the point that they may not be able to function properly on their own. 

This may mean that they are not able to feed and bathe themselves as they used to, and they may not have the ability to remember where they are at certain times, which can make them confused and frustrated. These unique symptoms and challenges are treated carefully at Missouri Alzheimer's care facilities so that the patients receive the medical and memory care that they need to help prevent the worsening of their symptoms.

Amenities Offered at Missouri Dementia and Alzheimer's Care Homes

In the state of Missouri, dementia care homes take special care to make sure that their residents feel at home, even in their condition. The homes offer amenities that set them apart from other facilities. When looking for a good community for your loved one, these amenities will help you decide which homes will be the best option.

The amenities that should be offered at Missouri memory care homes range from personal care services like bathing, feeding and meal preparations, to medical supervision for medication reminders and consistent physical check-ups. 

Other amenities that can be offered will revolve around socializing the patients. Residents at dementia care communities can tend to feel like they are alone in their struggles. One way to combat that is to help create a community among the patients by introducing social activities that get residents together. This could be holiday events for families to visit, bingo nights, or even movie nights. These activities can help residents feel less alone, and allow them to be apart of their community.

Memory Care Admission Requirements in Missouri

Admission to a memory care facility in Missouri is guided by several requirements and factors that ensure the safety and well-being of the individual. Below are the main components of the admission process for memory care facilities in Missouri:

1. Diagnosis of Cognitive Impairment

The primary requirement for admission to a memory care facility in Missouri is a diagnosis of a cognitive disorder, such as Alzheimer’s disease, dementia, or other memory-related conditions. This diagnosis must typically be provided by a physician, neurologist, or another qualified healthcare professional. In some cases, a clinical evaluation or referral from a doctor may be required to determine the individual’s specific needs and suitability for memory care.

2. Functional and Behavioral Assessment

Memory care facilities in Missouri typically require an assessment of the individual’s functional abilities and behavioral needs. This evaluation helps the facility determine the level of care needed, including assistance with daily activities such as eating, bathing, dressing, and mobility. The behavioral aspects of care are also considered, as some individuals may experience wandering, aggression, or difficulty communicating.

3. Care Plan Development

Once admitted, memory care facilities in Missouri will develop a personalized care plan for each resident. The care plan is created based on the assessment findings and is tailored to meet the resident's physical, emotional, and social needs. Family members or legal representatives are often involved in the development of this plan, ensuring that it aligns with the individual’s preferences and requirements.

4. Medical History and Documentation

Admission to a memory care facility requires thorough documentation of the individual’s medical history. This includes details about previous diagnoses, medications, allergies, and any other relevant medical conditions. Memory care facilities in Missouri may also request a list of current medications, recent hospitalizations, and information about other healthcare providers involved in the resident’s care. This documentation is essential for ensuring the safety and well-being of the individual while residing in the facility.

5. Compliance with State Regulations

Missouri memory care facilities are regulated by the Missouri Department of Health and Senior Services (DHSS), which ensures that facilities comply with state standards for care and safety. The facility must meet specific regulations related to staffing, facility safety, and the quality of care provided to residents. Missouri law also dictates that memory care units within assisted living or long-term care facilities be specifically equipped to handle residents with memory impairments.

6. Financial Requirements

In Missouri, as with most states, payment for memory care services can be a significant consideration. Memory care facilities often accept private pay, long-term care insurance, or Medicaid (for eligible individuals) to cover the cost of services. Some facilities may also offer payment plans or financial assistance. It is essential for potential residents and their families to understand the costs associated with memory care and discuss financial options with the facility before admission.

7. Age and Legal Considerations

While Missouri does not have an explicit age limit for admission to memory care facilities, most facilities serve elderly adults who are 65 or older. Admission to memory care may require a legal guardian or power of attorney if the resident is unable to make decisions for themselves due to cognitive decline. In such cases, families or legal representatives will be involved in making decisions about the resident’s care, finances, and other matters.

8. Ability to Manage Daily Activities

Memory care units in Missouri are designed for individuals who cannot live independently due to their cognitive impairments. The facility will evaluate the individual’s ability to manage daily living activities, such as dressing, eating, bathing, and toileting. If the individual requires significant assistance with these tasks, they may be deemed appropriate for memory care admission.

9. Security and Safety Needs

Because individuals with memory loss are at risk of wandering or experiencing confusion, memory care facilities in Missouri often have enhanced safety measures. These may include secured entrances, monitoring systems, and staff trained to handle emergencies related to cognitive impairments. The facility’s ability to provide a secure environment is an important factor in the admission process.

10. Pre-Admission Interviews and Tours

Before admission to a memory care facility in Missouri, families and potential residents are often invited to tour the facility and meet with staff. This provides an opportunity to assess the environment, ask questions about the facility’s policies, and ensure that the facility’s services align with the individual’s needs. Some facilities may also conduct interviews with the family or legal representative to gain additional insight into the individual’s care requirements and preferences.

Memory Care in Missouri Vs Assisted Living & Nursing Homes

Memory care communities in Missouri may seem very similar to assisted living and nursing homes. Although they are all types of residential facilities, they are more different than they are alike. Assisted living and nursing homes typically house those who are advanced in age and who have some physical limitations that keep them from living independently in their place of residence.

These facilities will offer some similar amenities to Alzheimer's care communities, like on-site laundry services and meal preparations. However, these homes differ greatly in the specialized medical care that is provided for each patient. Residents at memory care facilities receive a high level of medical care due to the severe nature of their diseases. Trained staff must be able to handle the unique challenges that patients with a form of dementia can face.

Questions to ask Missouri memory care facilities

When considering a memory care facility in Missouri for a loved one with Alzheimer's, dementia, or other cognitive impairments, it is important to ask a variety of questions to ensure the facility is suitable for their needs. The questions you ask can help you assess the quality of care, the level of support provided, and the overall environment. Here are several important questions to ask:

1. What is the staff-to-resident ratio?

A low staff-to-resident ratio ensures that your loved one will receive adequate attention and care. Ask how many caregivers are assigned to residents during different shifts, particularly for nighttime care when staffing may be lighter. Missouri’s regulations may influence this ratio, so it’s important to know what they are and whether they meet or exceed state standards.

2. What type of training do your staff members receive?

Memory care requires specialized training. Ask about the facility’s training programs for caregivers, including certifications in dementia care, first aid, CPR, and behavioral management techniques. Also, inquire if staff members are trained in recognizing and handling emergency situations related to memory loss or cognitive decline.

3. How do you personalize care plans for each resident?

Each person’s memory loss and care needs are unique. Ask how the facility assesses residents’ needs and how they develop individual care plans. Find out if the care plan is regularly updated and how family members can participate in or be informed about any changes.

4. What types of activities and therapies do you offer?

Memory care should include programs that engage residents cognitively, socially, and physically. Ask about the facility's daily schedule of activities and whether they offer specialized therapies like music therapy, art therapy, or sensory activities. It’s also important to know if activities are tailored to different stages of memory loss.

5. What is the facility’s approach to managing behaviors and emotions?

People with memory impairments often experience changes in behavior or emotional distress. Ask how the facility manages challenging behaviors, such as aggression, anxiety, or agitation. Inquire whether staff members use positive behavioral interventions and avoid harsh or restrictive measures.

6. How secure is the facility?

For the safety of residents, especially those prone to wandering, security is crucial. Ask about the facility's security measures, including secure entrances, exit monitoring, and whether they use technology like tracking devices for residents who may wander.

7. What kind of health care services do you provide on-site?

Inquire about the medical care available at the facility, such as access to nursing staff, physical therapy, and physician visits. Ask if a nurse or doctor is available on-site or if the facility has arrangements for routine check-ups and emergency care.

8. How do you handle emergencies or medical crises?

It’s important to understand how the facility handles medical emergencies, such as falls or sudden health declines. Ask about the protocol for emergency response, including whether staff is trained to handle urgent situations and how quickly they can provide medical intervention.

9. What are the visiting policies?

Visiting your loved one regularly can help maintain a sense of connection and involvement in their care. Ask about the facility’s visitation hours, policies, and any restrictions related to visitors (e.g., during illness outbreaks). Also, inquire whether family members can be involved in care meetings or updates.

10. How do you address family communication and involvement?

Regular communication with family members is important for maintaining a relationship with your loved one. Ask how the facility keeps families informed about their loved one’s well-being, including whether they provide updates, newsletters, or regular meetings. Additionally, ask how you can reach staff members for concerns or questions.

11. What is the cost of care and what is included?

Memory care can be costly, so it’s essential to understand the pricing structure. Ask about the cost of care and what is included, such as personal care, meals, activities, and medical services. Also, inquire about any additional fees for services like physical therapy or special programs.

12. What is your policy on transitioning care levels?

As your loved one’s condition may change over time, it’s important to know how the facility handles changes in care needs. Ask whether they can accommodate increasing care levels, such as moving from assisted living to full memory care, and if they have specific processes for transitioning residents to other levels of care.

13. What types of food and nutrition are provided?

Ask about the meal options at the facility, including how dietary restrictions or preferences are handled. It’s also important to know if meals are provided on a set schedule or if they accommodate special diets (e.g., low-salt, gluten-free, diabetic diets).

14. Can residents have pets or visitors?

Pets can provide comfort to residents, especially those with memory issues. Inquire whether the facility allows pets and what the policies are regarding family pets or visits from therapy animals. Ask also about the ability to have family members and friends visit frequently.

15. What is the facility’s policy on end-of-life care?

Understanding how the facility handles end-of-life care can help you make informed decisions as your loved one’s condition progresses. Ask about their policies on hospice care, pain management, and how they support residents and families during this difficult time.

16. Are there any additional services for families?

Many memory care facilities offer resources for families, such as support groups, counseling, or caregiver training. Ask about any additional services that can help you and your family adjust to the care process.

Memory Care Regulations in Missouri

Memory care facilities in Missouri are governed by state regulations designed to ensure the safety and well-being of individuals with dementia or other cognitive impairments. These regulations apply to both assisted living facilities (ALFs) and skilled nursing homes that provide specialized care for residents with memory loss. The Missouri Department of Health and Senior Services (DHSS) is the primary regulatory body overseeing these facilities.

Licensing Requirements

Memory care units within assisted living and skilled nursing facilities must be licensed by the DHSS. The facility must comply with all relevant state laws, including those related to staffing, safety, and care procedures. Missouri requires that these facilities meet certain criteria to ensure they are equipped to care for individuals with Alzheimer's disease, dementia, and other memory-related conditions.

For a facility to be licensed as a memory care unit, it must adhere to specific building and environmental standards. This includes providing secure spaces to prevent wandering, having appropriate staffing ratios, and ensuring staff training on dementia care.

Staffing and Training

Staffing in memory care units must meet certain state-mandated ratios, which depend on the facility type. In Missouri, memory care units in assisted living facilities generally have to meet the same staffing requirements as other types of assisted living. However, the regulations do emphasize that staff working in memory care units must receive specialized training. This training is designed to address the unique needs of residents with dementia and cognitive impairments, including communication strategies, behavioral management, and safety protocols.

Facilities are also required to have a designated "administrator" who oversees daily operations. This person must hold the appropriate qualifications and ensure compliance with regulations. Additionally, staff must undergo ongoing training, particularly in areas like managing dementia-related behaviors, promoting social engagement, and ensuring a safe environment for residents.

Environmental Safety Standards

Missouri's memory care regulations stipulate that facilities provide a secure environment to prevent residents from wandering and potentially harming themselves. This includes measures such as alarm systems on doors, enclosed outdoor spaces, and clear pathways that reduce the risk of falls. The physical layout of memory care units should be designed to be navigable for individuals with cognitive impairments, with signage and visual cues to help guide residents.

The physical space must be safe, accessible, and comfortable, with appropriate accommodations to meet the needs of individuals with memory loss. This may include modifications such as easy-to-read signs, clear lighting, and accessible bathrooms. The environment should also offer a homelike atmosphere, promoting social interaction and engagement for residents.

Care Plans and Personalization

Missouri law requires memory care facilities to develop individualized care plans for each resident. These plans must be tailored to the specific needs of residents, based on their health, functional abilities, and preferences. The care plan should be developed by a team that includes medical professionals and family members when possible.

The care plan must be updated regularly to reflect changes in the resident’s condition and needs. Memory care units are required to provide both medical and non-medical care services, which include assistance with activities of daily living (ADLs) such as bathing, dressing, and eating, as well as cognitive and emotional support.

Resident Rights

Memory care residents in Missouri are protected by a set of rights that must be respected by the facility. These rights include, but are not limited to, the right to privacy, dignity, and autonomy, to be treated with respect, and to have access to necessary medical care. Residents also have the right to participate in decision-making about their care, to the extent that they are able.

Missouri regulations require that facilities provide clear and accessible documentation of residents' rights and that these rights are communicated to both the residents and their families. Facilities are also required to maintain an open line of communication with family members, ensuring they are informed about the care and well-being of their loved ones.

Reporting and Enforcement

Memory care facilities in Missouri are subject to regular inspections by the DHSS, which ensures compliance with state regulations. Inspections may be unannounced and cover areas such as staffing levels, safety protocols, and overall care standards. If deficiencies are found, the facility may be cited, and corrective action may be required. Serious violations can result in fines, license suspension, or revocation.

Families of residents or staff members can file complaints with the DHSS if they suspect a violation of regulations. These complaints are investigated, and if the facility is found in violation, they are required to take corrective measures.

Funding and Medicaid

Missouri provides Medicaid coverage for memory care services through the Missouri Medicaid program, known as MO HealthNet. This includes funding for both nursing home care and home and community-based services for individuals with Alzheimer's or dementia. However, the reimbursement rates for memory care units may be lower than for other types of care, which can affect the resources available for staffing and services in some facilities.

Additionally, Missouri’s Medicaid program has specific guidelines and eligibility criteria for individuals who need memory care, and it may require a formal assessment by a healthcare professional to determine eligibility. Families should be aware of these guidelines when seeking memory care services for their loved ones.

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

Figuring out how to pay for facilities that provide memory care for your loved one can feel like a losing battle with the rising costs of medical care still climbing. Luckily, in the state of Missouri, the average cost of care is somewhat reasonable at $5,420 a month. Although this number is lower than some other states, it can still be well out of reach.

However, Missouri offers its residents multiple ways to help lower or cover the cost of care. The main way that you can get the cost of care reduced is through Medicaid. The state’s program is referred to as MO HealthNet. This program will help you by completely covering the cost of homes that offer dementia care so that you are not paying anything out of pocket. This program requires the patient to qualify for significant financial need, however, and they may not be approved if they don’t qualify.

There are other ways to cut the cost of care if your loved one doesn’t get full coverage, and this is through the use of Medicaid waivers. Programs like Supplemental Nursing Care could cover a portion of the cost for a residential facility in Missouri so that you are only paying for part of it out of pocket. Other programs like the Independent Living Waiver allows patients that are able to stay in their home to receive the same care that they would at Alzheimer's care homes, while in their own home.

These waivers will help cover the cost of home modifications for physical limitations, personal care services, and home health aides that will provide medical care and supervision. They also provide the elderly with the ability to choose their care providers, which ensures that they are comfortable with the staff and that they are being properly treated and cared for.

Dealing with all aspects of finding memory care for a parent or loved one can be a difficult task, but it shouldn’t have to be overwhelming. With the information on how to know which facility is acceptable, and how to go about finding ways to pay for your relative’s or parents’ care, you now have the stepping stones to begin the process of finding a proper memory care facility for your loved one.

If you would like some more information about where to find these dementia and Alzheimer’s care facilities in Missouri, then feel free to check our directory below to find a great facility near you today.