Assisted Living Costs: What’s Covered and What’s Not

Navigating the cost of assisted living can feel overwhelming—especially when you're trying to make the best choice for someone you love. It’s not always clear what’s included in the monthly price and what might come as an extra expense. This guide breaks it all down so you can plan ahead with confidence, clarity, and peace of mind.

What Does Assisted Living Typically Include?

Assisted living communities are designed to provide support with daily tasks, while encouraging independence and quality of life. Most facilities charge a base monthly fee, which covers a core set of services.

Here’s what is usually included:

• Housing – A private or semi-private apartment, suite, or room
  
• Meals – Three nutritious meals per day plus snacks
  
• Housekeeping – Weekly cleaning and laundry services
  
• Utilities – Electricity, water, heating/cooling, and sometimes cable/internet
  
• Transportation – Scheduled trips to doctors, shopping centers, and more
  
• Social activities – Events, outings, classes, and spiritual services
  
• 24/7 staffing – On-site caregivers for assistance and emergency response
  
• Basic assistance with daily living – Help with dressing, bathing, or medication reminders (usually up to a certain number of hours)
  

What’s Not Always Included (And May Cost Extra)

Some services may not be included in the standard monthly fee and can vary greatly between communities. These additional costs can add up quickly if you’re not prepared.

Things that might come at an additional cost:

• Medication management beyond reminders or simple delivery
  
• Advanced personal care, such as mobility transfers or incontinence care
  
• Memory care services for residents with Alzheimer’s or dementia
  
• Physical, occupational, or speech therapy
  
• Transportation outside of scheduled routes
  
• Personal supplies, like incontinence products, grooming items, or clothing
  
• Guest meals or overnight stays
  
• Cable TV or premium internet if not part of the base package
  

At a Glance: What’s Covered and What’s Not

Tips for Comparing Assisted Living Costs

When you’re comparing communities, ask for a detailed breakdown of costs and clarify what is and isn’t included. Many providers will give you a personalized care plan and pricing estimate.

Here are some helpful questions to ask:

• Are care services priced by tier or à la carte?
  
• Is there a one-time community fee or deposit?
  
• What happens if care needs increase?
  
• Are there options for financial assistance or veterans’ benefits?
  

You can learn more about federal and state programs that may help with assisted living costs through these reputable resources:

• Benefits.gov – Long-Term Care
  
• ACL.gov – Administration for Community Living
  

Planning for the Unexpected

Sometimes, care needs change quickly—whether due to a fall, illness, or memory loss. That’s why it’s important to look beyond the base rate when planning for assisted living. Consider building a small financial cushion for added services that may be needed later on.

It’s also worth exploring long-term care insurance and other support options early, so you’re not caught off guard if costs rise.

Let’s Be Honest—This Isn’t Easy

Choosing assisted living is a deeply personal decision. It’s not just about money—it’s about ensuring dignity, safety, and quality of life for someone you care about. While the financial side of things can feel daunting, having a clear picture of what’s covered and what’s not can make the journey less stressful.

Take your time. Ask lots of questions. And remember—there are resources and people out there ready to help.

If you're not sure where to start, reach out to local Area Agencies on Aging through Eldercare.acl.gov for free advice tailored to your situation.