Overview of The Cottage

The Cottage Memory Care at Bay Cove stands as a leading memory care community in Biloxi, Mississippi, delivering cutting-edge amenities and services meticulously designed for residents with Alzheimer’s and dementia. Within The Cottage, 31 thoughtfully adorned private and semi-private suites create a serene haven, complemented by a tranquil room, an engaging hobby space, a sunlit chamber, and a therapeutic garden. Senior residents here partake in tailored programs that prioritize and align with individual capabilities and requirements, ensuring a harmonious and supportive environment that nurtures well-being. 

Their extensive amenities and services encompass a dedicated full-time Memory Care Director, continuous nursing support around the clock, thorough dementia care training for the entire staff, personalized wellness and fitness initiatives, and comprehensive on-site rehabilitation therapy offerings covering Physical, Occupational, and Speech therapies. 

Walk Score
Walk Score: 8 / 100 Rank #249 / 282Walk Score — State benchmarkedThis home is ranked 249th out of 282 homes we track in Mississippi for walk score. Shows how walkable this facility's neighborhood is compared to the average walk score across Mississippi facilities. Higher scores benefit residents, families, and staff.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Mississippi that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Car-dependent. Most errands require a car, with limited nearby walkable options.

About this community

License Details

AccreditationsNCAL, AHCA

Safety & Compliance

Emergency SystemsYes

Staffing & Medical

1 service
24-Hour Staffing

Additional Services

1 service
Rehabilitation

Amenities & Lifestyle

Library
Salon
Chapel
Dining
Patio
Transportation
Concierge
Wi-Fi
Housekeeping
Laundry
Activities
Wellness ProgramColor Outside the Lines program, puzzles, brain games, art, music
Religious Services
Touring HoursMonday,Tuesday,Wednesday,Thursday,Friday 08:00-17:00; Saturday,Sunday Appointment Only

Pricing & Financial Information

Starting Price$2000 per month

Contact The Cottage

Places of interest near The Cottage

Address 3.7 miles from city center Info Estimated distance in miles from Biloxi's city center to The Cottage's address, calculated via Google Maps. — 1.87 miles to nearest hospital (Keesler Medical Center)

Calculate Travel Distance to The Cottage

Add your location

Address

Compare Memory Care around Biloxi

Info below is compiled from the MS State Dept. of Health (MSDH), senior community websites & trusted data sources such as Walk Score & BBB.

Communities are listed from highest to lowest based on our ranking methodology.

Care Types in This Table AL (Assisted Living): Housing with help for daily activities like bathing, dressing, and medication, without 24-hour skilled nursing. MC (Memory Care): Secured, specialized care for people living with Alzheimer's or dementia. RC (Respite Care): Short-term temporary care that gives family caregivers a break. IL (Independent Living): Community living with dining, activities, and transportation for active seniors who need little personal care.
City and state of the facility. Used for mapping and state-average comparisons.
Licensed bed capacity (maximum allowed). Not the same as how many beds are currently filled.
Indicates whether residents are allowed to have pets in the facility.
Third-party neighborhood walkability score (0–100). Convenience/context metric, not a healthcare quality measure.
Description of bed or unit types offered (e.g. assisted living, memory care), as reported in state or facility disclosures.
Better Business Bureau grade for the operating company. Reflects complaint handling and business practices, not clinical care quality.
A named contact for the facility. Hover the name to see their role — Administrator (state administrator of record or facility-provided administrator), Nursing Director, Medical Director, or Staff. The most authoritative available is shown.
SummerHouse Bay Cove
MC
AL
IL
Biloxi
142
Facility 142
MS AVG 70
Rank #10 / 265
Yes
8
Facility 8
MS AVG 37
Rank #249 / 282
Studio / 1 Bed - I, LLC
The Blake at Biloxi
MC
AL
RC
Biloxi
130
Facility 130
MS AVG 70
Rank #20 / 265
Yes
43
Facility 43
MS AVG 37
Rank #120 / 282
Studio / 1 Bed / 2 Bed A Services, LLC
Brookdale Biloxi
MC
AL
Biloxi
105
Facility 105
MS AVG 70
Rank #53 / 265
Yes
61
Facility 61
MS AVG 37
Rank #30 / 282
Studio / 1 Bed / 2 Bed - -
The Claiborne at McComb
MC
AL
Mccomb
82
Facility 82
MS AVG 70
Rank #93 / 265
Yes
4
Facility 4
MS AVG 37
Rank #270 / 282
Suite / 1 Bed / 2 Bed A+ Mccomb, LLC
The Cottage
MC
Biloxi - No
8
Facility 8
MS AVG 37
Rank #249 / 282
- - -

Financial Assistance for
Memory Care in Mississippi

The Cottage is located in Biloxi, Mississippi.
Here are the financial assistance programs available to residents in Mississippi.

Get Financial aid guidance

Elderly and Disabled Waiver

Mississippi Medicaid E&D Waiver

Age 65+ or disabled
General Mississippi resident, Medicaid- eligible, nursing home-level care need.
Income Limits (2025) ~$2,829/month 300% FBR, individual
Asset Limits $4,000 individual, higher than most states
MS

Higher asset limit; rural focus.

Benefits
Personal care (5-7 hours/day) Respite (240 hours/year) Adult day care ($60/day) Meals ($6/meal)

Mississippi Caregiver Respite Program

MS NFCSP Respite

Age Caregiver of someone 60+
General Mississippi resident.
Income Limits No strict limit; prioritizes low-income.
Asset Limits Not applicable.
MS

Limited slots; rural emphasis.

Benefits
In-home respite (4-6 hours/day) Adult day care (~$60/day) Short-term facility care (up to 5 days)

Assisted Living (AL) Waiver

Mississippi Assisted Living Waiver

Age 65+ or disabled
General Mississippi resident, Medicaid-eligible, NFLOC, living in approved AL facility.
Income Limits (2025) ~$2,829/month (300% FBR, individual); QIT required.
Asset Limits $4,000 (individual), $6,000 (couple).
MS

Only for AL facilities with waiver contracts; small program size.

Benefits
Personal care Meals Medication management Respite Transportation within AL facility

Independent Living (IL) Waiver

Mississippi Independent Living Waiver

Age 16+ (65+ for seniors)
General Mississippi resident, Medicaid-eligible, NFLOC but capable of self-direction.
Income Limits (2025) ~$2,829/month (300% FBR, individual); QIT required.
Asset Limits $4,000 (individual), $6,000 (couple).
MS

Self-directed care; limited to in-home settings.

Benefits
Personal care (4-6 hours/day) Respite (~200 hours/year) Home mods Assistive tech Transition services

Medicare Savings Program (MSP)

Mississippi Medicare Savings Program

Age 65+ or disabled
General Mississippi resident, Medicare Part A/B.
Income Limits (2025) ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits $9,430 (individual), $14,130 (couple).
MS

Three tiers; no waitlist; includes Extra Help for Part D.

Benefits
Covers Part B premiums ($174.70/month) Deductibles ($240/year) Copays (~20%)

Mississippi Homemaker Program

Mississippi Homemaker Program (via Area Agencies on Aging)

Age 60+
General Mississippi resident, not Medicaid-eligible, needs assistance with daily living.
Income Limits (2025) ~$1,063/month (100% FPL, individual); prioritizes low-income.
Asset Limits Not strictly assessed; need-based focus.
MS

10 AAAs; waitlist possible due to funding caps.

Benefits
Homemaker services (2-4 hours/day, e.g., cleaning, meal prep) Respite (~2 days/year) Transportation Meals

VA Aid and Attendance (A&A) and Housebound Benefits

Mississippi VA Aid and Attendance/Housebound

Age 65+ or disabled veteran/spouse
General Mississippi resident, wartime service, need for ADL help (A&A) or homebound.
Income Limits (2025) Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits ~$155,356 net worth limit
MS

High veteran population in rural areas.

Benefits
Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living)

Frequently Asked Questions about The Cottage

Is The Cottage in a walkable area?

The Cottage has a walk score of 8. Car-dependent. Most errands require a car, with limited nearby walkable options.

Are pets allowed at The Cottage?

No, The Cottage has a no-pet policy.

Are there photos of The Cottage?

Yes — there are 6 photos of The Cottage in the photo gallery on this page.

What is the address of The Cottage?

The Cottage is located at 670 Bay Cove Drive, Biloxi, MS 39532.

What is the phone number of The Cottage?

(228) 702-0142 will put you in contact with the team at The Cottage.

Guides for Better Senior Living

Care Cost Calculator: See Prices in Your Area

Don’t Wait Too Long: 7 Red Flag Signs Your Parent Needs Assisted Living Now

The True Cost of Assisted Living in 2025 – And How Families Are Paying For It

Understanding Senior Living Costs: Pricing Models, Discounts & Financial Assistance