Golden LivingCenter in Moorhead

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

9.4 miles from city center

Description

Golden LivingCenter in Moorhead, Minnesota is a dynamic hub that extends a helping hand to seniors through its exceptional assisted living and nursing home services. As a sanctuary that welcomes pets, this center strikes a harmonious balance between care and companionship. Beyond the physical facilities, residents can relish the indoor common areas that foster connections and social interactions.

Here, a dedicated staff is readily available to cater to varying levels of care, ensuring each resident’s unique needs are met with professionalism and compassion. Despite its small community vibe, this center stands as a powerful symbol of support and community for seniors seeking the perfect blend of assistance and independence. Golden LivingCenter in Moorhead embodies a commitment to nurturing well-being, offering a haven where seniors can thrive and forge meaningful connections in a cozy and caring environment.

Map

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Type of Care Available

Assisted Living Skilled Nursing

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.