What government services provide money for senior housing?

Several government programs offer financial assistance for senior housing in various countries, focusing on the United States for a broad overview: Medicaid: Medicaid is a state and federally funded program that can cover the costs of nursing home care for those who meet eligibility criteria, including income and asset limits. Some states also offer Medicaid waivers that help pay for home and community-based services to prevent or delay nursing home placement. Medicare: Medicare, primarily a health insurance program for people aged 65 and over, does not cover long-term housing costs. However, it can cover short-term stays in a skilled nursing facility under specific conditions following a hospital stay. Section 202 Supportive Housing for the Elderly Program: This program provides housing for low-income seniors. It offers rental assistance and access to supportive services, such as cleaning, cooking, and transportation. Low-Income Housing Tax Credit (LIHTC) Properties: While not a direct subsidy, LIHTC encourages developers to create affordable housing. Seniors with low incomes can find reduced-rent apartments through this program. State and Local Programs: Many states, counties, and cities offer their own programs to assist seniors with housing costs. These can include property tax relief programs, rental assistance programs, and programs that offer affordable senior housing options. Veterans Affairs (VA): The VA offers several programs for veterans, including the Aid and Attendance benefit, which provides monthly payments to veterans who require the aid of another person, or are housebound, to help cover the cost of care in homes, nursing homes, and assisted living facilities. Social Security: While Social Security primarily provides retirement income, for many seniors, these benefits are a crucial part of their budget, including housing costs.

How do you pick the homes you recommend?

Before recommending homes, we conduct a thorough evaluation on crucial factors that define a senior home such as the quality of care they provide, the reputation of the organization, and a comprehensive review of community testimonials as well. Every detail is assessed to assure that seniors are offered not just senior care options, but trustworthy homes where they can experience the care that they deserve.

Do you help families that need Medicaid?

Yes. Assisting families who need Medicaid is important to us as it plays a crucial role in offering financial support to seniors confronting economic challenges. We would like to keep essential healthcare services accessible to all community members, irrespective of one’s financial circumstances.

How much does this service cost?

We extend our services at no cost, ensuring that families and seniors can benefit from tailored assistance in their search for care and home options. Our ability to offer personalized guidance without charge to families and seniors is made possible through the support and funding from the communities with which we team up.

What services do you offer?

Finding and ranking the best assisted living facilities Finding and ranking the best nursing homes Finding and ranking the best memory care facilities Our concierge service helps seniors move into the perfect home for them Helping seniors use medicare, medicaid, and other government programs to pay for their homes Helping seniors avoid senior homes that have bad service or fraud Helping seniors avoid senior homes that have bad service or fraud Autobiography & Family History Writing + Research Senior-focused concierge medicine Senior-focused nutritionist Senior-focused personal training Memory care specialists Custom wheelchairs at all price points. Custom hearing aids Cosmetic skincare + dermatology Companionship: We offer in-person and virtual companionship services. Someone engaging to hang out with or talk to on video chat. Senior housing concierge. Our service finds the best senior living options based on your needs, income, and personality.

Covenant Care Assisted Living | Assisted Living in Aberdeen, MD

Overview of Covenant Care Assisted Living

Ideally situated in the harmonious setting of Aberdeen, MD, Covenant Care Assisted Living is a distinct community that offers assisted living. Residents can ease their worries with a compassionate and well-trained team attending to their needs around the clock. Housekeeping and laundry services are also available, ensuring residents enjoy a worry-free lifestyle.

With plenty of recreational activities and wellness opportunities, residents can spend their days as they please. Residents also enjoy mealtimes on their terms with delightful restaurants nearby and efficient amenities in each unit. The community’s intimate and nurturing environment creates the ideal setting for residents to make every moment of their best years count.

(410) 297-6594

Capacity and availability

Smaller home

May offer a more intimate, personalized care environment.

Total beds 4

4-bed community

A smaller, more intimate setting that may offer a quieter environment and closer staff-resident interactions.

Walk Score: 37 / 100

Somewhat walkable. A few nearby services may be reachable on foot, but most trips require transportation.

About this community

CountyHarford

Staffing

Key information about the people who lead and staff this community.

CNA Training Program

Mild Alzheimer's Level

Moderate Alzheimer's Level

Severe Alzheimer's Level

Continuing Care Retirement Community (CCRC)

What does this home offer?

Housing Options: 1 Bed / 1 Bed Rooms

Building Type: Single-story

Dining Services

Housekeeping Services

Social and Recreational Activities

Types of Care at Covenant Care Assisted Living

Assisted Living

Medicaid Accepted

This facility is certified for eligible Medicaid services.

Payment & Funding Options

Medicaid

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Sterling Care	NH Nursing Home Licensed facility providing 24/7 skilled nursing care for residents with complex, ongoing medical needs. Staffed by RNs, LPNs, and CNAs. Inspected and star-rated annually by CMS. Accepts Medicare (short-term rehab) and Medicaid (long-term care). AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support. MC Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.	Bel Air (East Macphail Road)	155	No	27	1 Bed / 1 Bed Rooms	20	A+	-	-	-	-	-	-	-
Liv-n-well Assisted Living	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. MC Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.	Aberdeen	16	No	54	1 Bed / 1 Bed Rooms	25	A+	50% Male Residents — State Benchmarked 50% of residents are male, compared to the Maryland average of 31%. An unusually high male share for assisted living, where most facilities skew heavily female.	50% Female Residents — State Benchmarked 50% of residents are female, compared to the Maryland average of 69%. Closer to an even gender split than most assisted living facilities, which typically have 65–75% female residents.	79% White Residents — State Benchmarked 79% of residents are reported as White, compared to the Maryland average of 81%. Close to the average for this category among assisted living facilities in Maryland with reported race/ethnicity data.	21% African American Residents — State Benchmarked 21% of residents are reported as African American or Black, compared to the Maryland average of 12%. A higher African American share than the typical Maryland average — useful context when comparing cultural fit and community composition.	21% Residents Age 65–74 — State Benchmarked 21% of residents are 65–74, compared to the Maryland average of 12%. A higher share of younger seniors often signals a more independent, active resident community with lower acuity care needs.	43% Residents Age 75–84 — State Benchmarked 43% of residents are 75–84, compared to the Maryland average of 31%. A high concentration in this mid-range bracket, where residents typically need moderate support with daily activities.	21% Residents Age 95+ — State Benchmarked 21% of residents are 95 or older, compared to the Maryland average of 16%. In line with the statewide profile for the oldest resident bracket.
Covenant Care Assisted Living	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.	Aberdeen	4	No	37	1 Bed / 1 Bed Rooms	-	-	-	-	-	-	-	-	-

Sterling Care

Type of care: NH AL IL MC

Community: Bel Air (East Macphail Road)

Bed Count: 155

Pets Allowed: No

Bed Options: 1 Bed / 1 Bed Rooms

Liv-n-well Assisted Living

Type of care: AL MC

Community: Aberdeen

Bed Count: 16

Pets Allowed: No

Bed Options: 1 Bed / 1 Bed Rooms

Covenant Care Assisted Living

Type of care: AL

Community: Aberdeen

Bed Count: 4

Pets Allowed: No

Bed Options: 1 Bed / 1 Bed Rooms

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Community Options Waiver

Maryland Medicaid Community Options Waiver

Age 65+ or disabled

General Maryland resident, Medicaid- eligible, nursing home-level care need.

Income Limits (2025) ~$2,829/month 300% FBR, individual

Asset Limits $2,000 (individual), $3,000 (couple) (excludes home, car).

High urban demand; rural outreach efforts.

Benefits

Personal care (5-7 hours/day, e.g., bathing, dressing) Respite care (up to 240 hours/year) Adult day care ($70/day) Home modifications ($1,500 avg.)

Senior Care Program

Maryland Senior Care

Age 65+

General Maryland resident, at risk of nursing home placement.

Income Limits ~$2,000/month individual, varies by county

Asset Limits $11,000 individual

Limited funding; waitlists common in high-demand areas.

Benefits

In-home care (3-5 hours/week) Respite care (up to 10 days/year) Meals (~$6/meal) Transportation (~5 trips/month) Case management

Maryland Nursing Home Medicaid

Maryland Medical Assistance (Medicaid) Nursing Home Program

Age 65+

General Maryland resident, Medicaid-eligible, requires nursing home-level care.

Income Limits (2025) $943/month (individual); most income applied to care costs.

Asset Limits $2,500 (individual), $3,000 (couple); spousal protections up to $155,356.

Home equity limit $636,000; estate recovery applies post-55.

Benefits

24/7 nursing care Meals Therapy Medications (unlimited per medical need)

Senior Assisted Living Subsidy Program

Maryland Senior Assisted Living Group Home Subsidy

Age 62+

General Maryland resident, in or moving to approved assisted living, low/moderate income.

Income Limits (2025) ~$34,000/year individual, varies by county

Asset Limits Not strict; prioritizes low-income.

Not available statewide; facility must be licensed by MDH.

Benefits

Personal care Meals 24-hour supervision (up to $1,500/month subsidy typical)

Veterans Aid and Attendance (A&A) Benefit

Maryland VA Aid and Attendance

Age —

General Wartime veteran/spouse, age 65+ or disabled, needs ADL help, Maryland resident.

Income Limits (2025) Net income minus medical expenses < $1,984/month individual with A&A

Asset Limits $155,356 net worth limit

High veteran population in suburban/rural areas.

Benefits

Cash benefit ($1,478-$2,471/month, varies by status) for care costs

Senior Prescription Drug Assistance Program (SPDAP)

Maryland Senior Prescription Drug Assistance Program

Age 65+

General Maryland resident (6+ months), Medicare Part D enrolled.

Income Limits (2025) $48,560/year individual, 300% FPL

Asset Limits None specified.

Supplements Medicare Part D; annual enrollment required.

Benefits

Up to $40/month premium subsidy Reducing drug costs

Medicare Savings Programs (MSP)

Maryland Medicare Savings Programs

Age 65+

General Maryland resident, Medicare Part A/B enrollee.

Income Limits (2025) $2,014/month (QMB), $2,706/month (SLMB/QI, individual).

Asset Limits $9,090 (individual), $13,630 (couple).

Includes QMB, SLMB, QI categories.

Benefits

Covers premiums (up to $174.70/month Part B) Co-pays Deductibles

Community Personal Assistance Services (CPAS)

Maryland Medicaid Community Personal Assistance Services

Age 65+

General Maryland resident, Medicaid-eligible, needs ADL assistance.

Income Limits (2025) $943/month (individual); spend-down available.

Asset Limits $2,500 (individual), $3,000 (couple).

Consumer-directed option allows hiring family caregivers.

Benefits

Personal care (hours vary, typically 20-30/week) Chores Nurse supervision

1.9 miles from city center Estimated distance in miles from Aberdeen's city center to Covenant Care Assisted Living's address, calculated via Google Maps.

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Covenant Care Assisted Living

Assisted Living in Aberdeen

Assisted Living in Aberdeen