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.

Virtual Tours & Videos

Check out our photo album Check out our virtual tours Check out our home videos

Resident interviews at our senior living facilities

Check out our resident interviews

Endearment | Elkton, MD | Photos & Videos

Overview of Endearment

Compassionately meeting seniors’ varying care needs, Endearment is a trusted home care provider and assisted living community, set in Elkton, MD. The community assists seniors both in their homes and in residential assisted living, providing them with assistance with activities of daily living and 24-hour care. Endearment features a compassionate team of caregivers, home health aides, companions and CNA’s, trained to provide various assistance, from personal care and medication reminders to housekeeping, laundry and meal preparation.

Seniors staying in their assisted living community are welcomed into comfortable bedrooms with an elevator for better accessibility and access to a 24-hour care team and all the major instrumental activities of daily living. Three meals a day with snacks are provided to ensure residents stay nourished and energized throughout the day. Residents never miss out on their appointment services with transportation and escorting services provided by the community. An array of stimulating activities are regularly conducted to keep residents active and entertained.

(443) 350-9728

Capacity and availability

Smaller home

May offer a more intimate, personalized care environment.

Total beds 8

8-bed community

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

Walk Score: 30 / 100

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

Additional licensing details

County: Cecil

Staffing

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

Leadership

CNA Training Program

Care Services

Mild Alzheimer's Level

Moderate Alzheimer's Level

Severe Alzheimer's Level

Additional Policies & Features

Continuing Care Retirement Community (CCRC)

What does this home offer?

Housing Options: Private Rooms

Building Type: Single-story

Transportation Services

Types of Care at Endearment

Assisted Living Home Care

Medicaid Accepted

This facility is certified for eligible Medicaid services.

Payment & Funding Options

Medicaid

Compare Assisted Living around Elkton

Endearment

Elkton

Private Rooms

A New Home Assisted Living

North East

Private Rooms

Endearment

Type of care: AL HC

Community: Elkton

Bed Count: 8

Pets Allowed: No

Bed Options: Private Rooms

A New Home Assisted Living

Type of care: AL

Community: North East

Bed Count: 8

Pets Allowed: No

Bed Options: Private Rooms

107 Walnut Ln, Elkton, MD 21921

Calculate Travel Distance to Endearment

Add your location

Guides for Better Senior Living

Care Cost Calculator: See Prices in Your Area

Nursing Home Data Explorer

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

Community Options Waiver

Maryland Medicaid Community Options Waiver

General: Age 65+ or disabled, 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).

MD Specifics: High urban demand; rural outreach efforts.

Senior Care Program

Maryland Senior Care

General: Age 65+, Maryland resident, at risk of nursing home placement.

Income Limits: ~$2,000/month (individual, varies by county).

Asset Limits: $11,000 (individual).

MD Specifics: Limited funding; waitlists common in high-demand areas.

Maryland Nursing Home Medicaid

Maryland Medical Assistance (Medicaid) Nursing Home Program

General: Age 65+, 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.

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

Senior Assisted Living Subsidy Program

Maryland Senior Assisted Living Group Home Subsidy

General: Age 62+, 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.

MD Specifics: Not available statewide; facility must be licensed by MDH.

Veterans Aid and Attendance (A&A) Benefit

Maryland VA Aid and Attendance

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).

MD Specifics: High veteran population in suburban/rural areas.

Senior Prescription Drug Assistance Program (SPDAP)

Maryland Senior Prescription Drug Assistance Program

General: Age 65+, Maryland resident (6+ months), Medicare Part D enrolled.

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

Asset Limits: None specified.

MD Specifics: Supplements Medicare Part D; annual enrollment required.

Medicare Savings Programs (MSP)

Maryland Medicare Savings Programs

General: Age 65+, 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).

MD Specifics: Includes QMB, SLMB, QI categories.

Community Personal Assistance Services (CPAS)

Maryland Medicaid Community Personal Assistance Services

General: Age 65+, Maryland resident, Medicaid-eligible, needs ADL assistance.

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

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

MD Specifics: Consumer-directed option allows hiring family caregivers.

Who we are

Your Senior Care Partner, Every Step of the Way

We help families find affordable senior communities and unlock same day discounts, Medicaid, and Medicare options tailored to your needs.

Endearment