Fargo Elim Care Center

Article: How to get Medicare and Medicaid to Pay for Assisted Living

9.3 miles from city center

Description

Fargo Elim Care Center, situated in Fargo, North Dakota, offers a welcoming neighborhood for retirees, fostering a sense of rich amenities and genuine hospitality. This retirement community stands as a hub for various living options, encompassing independent senior living, assisted living places, and a skilled nursing facility. It caters to a spectrum of needs, providing residents with a comprehensive range of choices. With a dedication to adaptability and quality, Fargo Elim boasts a state-of-the-art healthcare center designed to meet the evolving needs of residents. This forward-looking approach ensures it remains a high-quality option for generations to come.

The community also considers transitions and changing needs, providing well-designed apartments with emergency call systems for added peace of mind. Practical features like scheduled transportation, sunrooms, lounges, a beauty salon, and a barbershop enhance the convenience and comfort of residents. Additionally, the center offers outdoor patios, gardens, and a vibrant array of activities, creating an engaging environment for seniors to enjoy. Nearby, residents have the added advantage of nursing homes, contributing to a well-rounded living experience.

Map

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Type of Care Available

Skilled Nursing Independent Living Assisted Living

Claim What’s Yours: Financial Aid for North Dakota Seniors

Program

State Program Name

Eligibility

Benefits

Aged and Disabled Waiver

ND Medicaid A&D Waiver

General: Age 65+ or disabled, North Dakota resident, Medicaid- eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $3,000 (individual, higher than most states).
ND Specifics: Higher asset limit; sparse population aids rural access.

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$60/day), home aides.

Service Payments for Elderly and Disabled (SPED)

ND SPED

General: Age 65+ or disabled, North Dakota resident, at risk of decline.
Income Limits: ~$1,732/month (individual, varies).
Asset Limits: $50,000 (individual, higher limit).
ND Specifics: Higher asset limit; rural focus.

Services: In-home care (2-4 hours/week), respite (up to 5 days/year), transportation (~5 trips/month).

Basic Care Assistance Program (BCAP)

North Dakota Basic Care Assistance Program

General: Age 65+ (or disabled 18+), ND resident, in licensed basic care facility, low-income.
Income Limits (2025): ~$1,255/month (individual, after facility costs); varies by facility rate.
Asset Limits: $3,000 (individual).
ND Specifics: Supplements SSI; covers ~50 facilities statewide.

Services: Cash (~$1,000-$1,500/month) for room/board/care in basic care facilities.

Family Home Care Program

North Dakota Family Home Care Program

General: Age 60+, ND resident, need help with 1+ ADL, family caregiver available.
Income Limits (2025): No strict cap; prioritizes low-income (~$24,980/year).
Asset Limits: Not assessed; need-based.
ND Specifics: Caregiver must be family; payment varies by hours/service.

Services: Family caregiver payment (~$10-$15/hour, up to 20 hours/week), respite support.

Medicare Savings Program (MSP)

North Dakota Medicare Savings Program

General: Age 65+ or disabled, ND 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).
ND Specifics: Three tiers; no waitlist; includes Extra Help for Part D.

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

Low-Income Home Energy Assistance Program (LIHEAP)

North Dakota LIHEAP

General: Age 60+ prioritized, ND resident, low-income household.
Income Limits (2025): ~$3,970/month (individual, 185% FPL).
Asset Limits: Not assessed; income-focused.
ND Specifics: Covers oil, gas, electric; emergency aid available.

Services: Heating/cooling aid ($300-$1,000/season), emergency fuel ($600 max), weatherization.

Family Caregiver Support Program (FCSP)

North Dakota Family Caregiver Support Program

General: Caregivers of 60+ needing care or 55+ caregivers of others; ND resident; functional needs (2+ ADLs).
Income Limits (2025): Prioritizes ~$24,980/year (individual); no strict cap.
Asset Limits: Not assessed; need-based.
ND Specifics: 8 regions; rural/low-income priority.

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($50/day), training, supplies (~$500/year).

Senior Community Service Employment Program (SCSEP)

North Dakota SCSEP

General: Age 55+, unemployed, low-income, ND resident.
Income Limits (2025): ~$1,983/month (125% FPL).
Asset Limits: Not specified; income-focused.
ND Specifics: Priority for veterans, rural residents; AARP partnership.

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

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

North Dakota VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, ND 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).
ND Specifics: High veteran demand in rural areas; ND Veterans Home option.

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

Property Tax Homestead Credit for Seniors

North Dakota Homestead Property Tax Credit

General: Age 65+ (or disabled), ND resident, homeowner, low-income.
Income Limits (2025): ~$22,500/year (individual), ~$29,500/year (couple).
Asset Limits: Home value < $500,000; other assets not assessed.
ND Specifics: Credit up to $500-$1,000; applies to primary residence.

Services: Tax reduction (~$500-$1,000/year) on property taxes.

Medicaid Personal Care Option (PCO)

North Dakota Medicaid Personal Care Option

General: Age 65+ (or disabled), ND resident, Medicaid-eligible, need help with 1+ ADL.
Income Limits (2025): ~$1,255/month (100% FPL, individual); QIT optional for excess income.
Asset Limits: $3,000 (individual), $6,000 (couple) (excludes home up to $713,000, car).
ND Specifics: Self-directed option (hire family); part of Medicaid State Plan, not a waiver.

Services: Personal care (5-20 hours/week), homemaker services, respite (~5 days/year).

Claim What’s Yours Financial Aid for North Dakota Seniors

ND Medicaid A&D Waiver

Aged and Disabled Waiver

Eligibility

General: Age 65+ or disabled, North Dakota resident, Medicaid- eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $3,000 (individual, higher than most states).
ND Specifics: Higher asset limit; sparse population aids rural access.

Benefits

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$60/day), home aides.

ND SPED

Service Payments for Elderly and Disabled (SPED)

Eligibility

General: Age 65+ or disabled, North Dakota resident, at risk of decline.
Income Limits: ~$1,732/month (individual, varies).
Asset Limits: $50,000 (individual, higher limit).
ND Specifics: Higher asset limit; rural focus.

Benefits

Services: In-home care (2-4 hours/week), respite (up to 5 days/year), transportation (~5 trips/month).

North Dakota Basic Care Assistance Program

Basic Care Assistance Program (BCAP)

Eligibility

General: Age 65+ (or disabled 18+), ND resident, in licensed basic care facility, low-income.
Income Limits (2025): ~$1,255/month (individual, after facility costs); varies by facility rate.
Asset Limits: $3,000 (individual).
ND Specifics: Supplements SSI; covers ~50 facilities statewide.

Benefits

Services: Cash (~$1,000-$1,500/month) for room/board/care in basic care facilities.

North Dakota Family Home Care Program

Family Home Care Program

Eligibility

General: Age 60+, ND resident, need help with 1+ ADL, family caregiver available.
Income Limits (2025): No strict cap; prioritizes low-income (~$24,980/year).
Asset Limits: Not assessed; need-based.
ND Specifics: Caregiver must be family; payment varies by hours/service.

Benefits

Services: Family caregiver payment (~$10-$15/hour, up to 20 hours/week), respite support.

North Dakota Medicare Savings Program

Medicare Savings Program (MSP)

Eligibility

General: Age 65+ or disabled, ND 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).
ND Specifics: Three tiers; no waitlist; includes Extra Help for Part D.

Benefits

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

North Dakota LIHEAP

Low-Income Home Energy Assistance Program (LIHEAP)

Eligibility

General: Age 60+ prioritized, ND resident, low-income household.
Income Limits (2025): ~$3,970/month (individual, 185% FPL).
Asset Limits: Not assessed; income-focused.
ND Specifics: Covers oil, gas, electric; emergency aid available.

Benefits

Services: Heating/cooling aid ($300-$1,000/season), emergency fuel ($600 max), weatherization.

North Dakota Family Caregiver Support Program

Family Caregiver Support Program (FCSP)

Eligibility

General: Caregivers of 60+ needing care or 55+ caregivers of others; ND resident; functional needs (2+ ADLs).
Income Limits (2025): Prioritizes ~$24,980/year (individual); no strict cap.
Asset Limits: Not assessed; need-based.
ND Specifics: 8 regions; rural/low-income priority.

Benefits

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($50/day), training, supplies (~$500/year).

North Dakota SCSEP

Senior Community Service Employment Program (SCSEP)

Eligibility

General: Age 55+, unemployed, low-income, ND resident.
Income Limits (2025): ~$1,983/month (125% FPL).
Asset Limits: Not specified; income-focused.
ND Specifics: Priority for veterans, rural residents; AARP partnership.

Benefits

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

North Dakota VA Aid and Attendance/Housebound

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

Eligibility

General: Age 65+ or disabled veteran/spouse, ND 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).
ND Specifics: High veteran demand in rural areas; ND Veterans Home option.

Benefits

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

North Dakota Homestead Property Tax Credit

Property Tax Homestead Credit for Seniors

Eligibility

General: Age 65+ (or disabled), ND resident, homeowner, low-income.
Income Limits (2025): ~$22,500/year (individual), ~$29,500/year (couple).
Asset Limits: Home value < $500,000; other assets not assessed.
ND Specifics: Credit up to $500-$1,000; applies to primary residence.

Benefits

Services: Tax reduction (~$500-$1,000/year) on property taxes.

North Dakota Medicaid Personal Care Option

Medicaid Personal Care Option (PCO)

Eligibility

General: Age 65+ (or disabled), ND resident, Medicaid-eligible, need help with 1+ ADL.
Income Limits (2025): ~$1,255/month (100% FPL, individual); QIT optional for excess income.
Asset Limits: $3,000 (individual), $6,000 (couple) (excludes home up to $713,000, car).
ND Specifics: Self-directed option (hire family); part of Medicaid State Plan, not a waiver.