Iowa’s average cost of assisted living is about $4,800 per month. This is slightly lower than the national average of about $5,100 per month.[01] Assisted living costs vary from community to community and tend to increase as floor plans get more spacious, amenities get more luxurious, and care levels get more advanced. That said, Iowa’s cost of assisted living ranges between about $3,000 and $6,400 per month.[01]
Assisted living costs can also vary depending on the exact location of a community. In general, you can expect to see higher assisted living costs in locations that have a higher cost of living. Overall, Iowa’s cost of living is less expensive than the national average.[02] This could explain why the state’s cost of assisted living is also slightly less expensive.
The assisted living costs above are reflective of actual prices paid by families with a senior loved one who is referred to one of A Place for Mom’s partner communities in Iowa. Our figures account for all fees paid, including care, services, and amenities. While many families use personal savings to cover these costs, most use a combination of payment methods, which are covered in the following section.
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Iowa
US National average
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There are a variety of payment methods and financial aid programs to help pay for senior care, including private pay options, Medicare, Medicaid, and VA health care benefits. You can probably expect to use a combination of these options.
“Private pay” simply means you’re paying for something with personal funds. Whether that means dipping into a savings account, selling a life insurance policy, or leveraging your home equity, there are a variety of private pay options that will help pay for assisted living in Iowa. Click on the articles below to learn about your options.
Selling a house can generate funds to help pay for assisted living in Iowa.
Reverse mortgage loans convert a portion of your home equity into cash, which can be used to pay for assisted living in Iowa.
Health savings accounts (HSAs) can cover long-term care insurance premiums and health care costs in Iowa.
Life insurance policies can be sold or surrendered to pay for assisted living in Iowa.
Long-term care insurance covers some or all assisted living services in Iowa, depending on the policy.
Social Security benefits can help pay for assisted living in Iowa.
There are about 162,300 veterans residing in Iowa, and about 26% of them are age 75 or older.[03] The U.S. Department of Veterans Affairs (VA) provides eligible veterans and their spouses benefits coverage for assisted living. Many veterans are unaware of the VA’s benefits, or they assume they won’t qualify. However, some veterans benefits are more generous than you may expect and are worth checking into. Additional generous benefits are also available to veterans who acquired a disability during their service. You can view the VA’s list of service-connected ailments to learn if you or your loved one qualifies.
Sifting through VA benefits, eligibility requirements, application processes, and potential appeals can be a complicated and convoluted process. Consider reaching out to a veterans benefits counselor for assistance in determining which benefits you or a loved one qualifies for, plus guidance in applying.
In Iowa, qualified veterans benefits assistance can be found through local VA centers and veterans service organizations (VSOs). Local VSOs include the following:
Medicaid is a state and federal health insurance program for people with a limited income. It’s funded jointly by federal and state governments but is administered only at the state level. Medicaid coverage for assisted living won’t pay for room and board, but it can pay for some assisted living services.
Iowa’s Medicaid program, called Iowa Total Care, is administered by the Iowa Department of Human Services. It can help cover or reduce the costs of certain services, including the following:[04]
Through Iowa’s Home- and Community-Based Services (HCBS) Waiver Program, eligible members can receive their services and care in their own homes or communities, including assisted living communities, rather than in a nursing facility or hospital. The Elderly (E) waiver, for example, provides services to Iowa residents who are at least 65 years old and in need of nursing facility level care. Services are customized to meet the needs of the individual member.
Additionally, Iowa’s Program of All Inclusive Care for the Elderly (PACE) is a Medicaid and Medicare program for qualifying adults aged 55 or older receive medical care, long-term care, and prescription medications within their community of choice.
If you need help understanding your Medicaid benefits or accessing related information within your long-term care facility, contact your local long-term care ombudsman. The Iowa long-term care ombudsman is available at 866-236-1430.
Medicare is a federal health insurance program for adults age 65 and older. While it won’t cover the cost of personal care or room and board, Medicare will cover some assisted living costs, such as medical services and procedures. You can use the Medicare coverage search tool to find out if Medicare covers a specific diagnostic test, medical device, or procedure.
Each state provides its own Medicare Savings Programs, which are designed to help eligible individuals cover Medicare premiums, deductibles, and copayments. Iowa’s Medicare programs include the following:
If you need further assistance with Medicare benefits, contact the Iowa long-term care ombudsman by calling 866-236-1430.
Staff members greeted me with a hello and eye contact. Offered much assistance and was extremely supportive. This facility is breath taking and so top notch.
[name removed] out director really cares about everyone here at Independence Village of Waukee. All the staff are Great! This is as good as it can get.
There's a fair amount of turnover in dining staff because of low wages and tips are forbidden. The facility is close to University Hospital. There are many activities offered for residents.
[name removed] out director really cares about everyone here at Independence Village of Waukee. All the staff are Great! This is as good as it can get.
The staff has been so caring. Everyone, from the director to the housekeeping staff are consistently kind and friendly with each resident. They recently hired a new activity director, so I'm hoping that part...
In the last 18 months I’ve toured many senior living options to find a place for my mom. Bickford in West Des Moines didn’t hit my radar right away and I wish it had. The staff is kind, the nurse has been...
Extremely helpful in getting my 103 yr. old mother get settled. They go out of their way . Staff and residents are SO friendly. Beautiful inside and out. Not so overpowering as some facilities are. I...
Very clean, all staff that we interacted with was friendly and helpful. The front office staff bent over backwards to help us at a very difficult time for our family. Seriously great staff.
Absolutely would recommend and also I talked to many residents that all had such good things to say. Everything is so clean and new.
I miss the people. Cleanliness was great They were always friendly The food was excellent, especially the house salad. For me it was very expensive it took all my retirement money and I was one of the...
Our loved one has now passed, but they were Wonderful!! They have very caring staff. Never smelled bad. They took really good care of my mom and we would absolutely recommend them to other families.
Our mother in law loves Boyson. The staff is very caring and friendly. She has a cat and the entire facility fell in love with him and always dropped in to visit. She really enjoyed the attention she got.
She's enjoying the social activities, the religious service, and the food. We would absolutely recommend Legacy Pointe to other families based on the experience we have had so far.
There's a fair amount of turnover in dining staff because of low wages and tips are forbidden. The facility is close to University Hospital. There are many activities offered for residents.
I would recommend Grand Living. We picked this community because they offered gluten free meal options, swimming pool and large physical fitness area. Also proximity to my home.
In Iowa, for licensing purposes, assisted living communities are referred to as Assisted Living Programs. Assisted Living Programs are licensed by the Department of Inspections and Appeals, Health Facilities Division. The Department of Inspections and Appeals defines Assisted Living Programs as housing with a homelike environment that provides the following services to at least three tenants:[05]
Assisted Living Programs in Iowa are also expected to encourage family involvement and resident participation in decisions about their dignity, privacy, and independence.
In some cases, an Assisted Living Program can be certified as a dementia care unit, as long as they meet certain requirements. The Department of Inspections and Appeals is in charge of approving a facility’s memory care program after reviewing their policies, admission and discharge criteria, safety procedures, and plans for staffing and servicing the facility.[06]
A few examples of specific requirements that assisted living communities licensed as Assisted Living Programs in Iowa must follow include the following:[05]
We developed a system to rate each state on how easy — or difficult — it is to find important assisted living records and reports, and we compiled tips to help you in your search.
States with the most transparent records allow you to look up important information about each assisted living facility online. This information could include inspections, complaints, survey results, violations, capacity, and whether the facility accepts Medicaid.
Public access to assisted living records and reports for the state of Iowa is high. Here are the key findings that informed this rating:
We developed a standard methodology for state data collection and evaluation, and we based our rating primarily on the objective, state-specific accessibility criteria outlined in these questions:
A Place for Mom. (2023). A Place for Mom proprietary data.
Livingcost.org. Cost of living in Iowa.
United States Census Bureau. (2021). American community survey: Iowa, 75 years and over, veteran status (S2101).
Iowa Total Care. Benefits overview.
National Center for Assisted Living (NCAL). (2022). Assisted living state regulatory review.
Iowa Department of Human Services. (2015). Compendium of Residential Care and Assisted Living Regulations and Policy: 2015 Edition.
Overview of assisted living in IA
The information contained on this page is for informational purposes only and is not intended to constitute medical, legal or financial advice or create a professional relationship between A Place for Mom and the reader. Always seek the advice of your health care provider, attorney or financial advisor with respect to any particular matter, and do not act or refrain from acting on the basis of anything you have read on this site. Links to third-party websites are only for the convenience of the reader; A Place for Mom does not endorse the contents of the third-party sites.
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