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.

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Resident interviews at our senior living facilities

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Saint Luke’s Home | Springfield, MA | Photos & Videos

Overview of Saint Luke’s Home

Saint Luke’s Home is an outstanding facility dedicated to surpassing expectations by offering tailored and personalized services that cater to the unique needs of seniors. Nestled in the heart of Springfield’s historic district, Saint Luke’s Home exudes a charming and welcoming atmosphere. They offer a wide range of top-notch services, including medication management, pastoral care, podiatry services, and money management assistance.
The facility features beautiful gardens and a quaint field, providing a serene and relaxing environment that residents can enjoy. Additionally, its location within walking distance of museums, parks, and shops offers ample opportunities for recreation and exploration. Its housekeeping and laundry services ensure a hassle-free living experience for its residents. Moreover, they offer various activities that encourage self-expression and engagement, such as coffee hours, exercise classes, painting classes, and much more.

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What families are saying

Quality of care and staff professionalism

The nursing home has a consistently caring and compassionate staff, particularly highlighted by the Director of Nursing, Andrea, who is praised for her dedication and professionalism, contributing to a warm and positive atmosphere.

Care & staff

Activities, programs, and daily engagement

The facility offers a range of engaging activities that are tailored to the interests of the residents, such as boat rides on Portage Lakes and social events like a prom, which enhance the residents' quality of life and satisfaction.

Activities Quality of life

Home Information Saint Luke’s Home

Walk Score: 46 / 100

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

Guides for Better Senior Living

From costs to care, explore the most important topics to make informed decisions about your future.

Guides for Better Senior Living

From costs to care, explore the most important topics to make informed decisions about your future.

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Comparison Chart

Compare Nursing Homes around Springfield

Saint Luke’s Home

Chapin Center

Springfield

160

East Longmeadow Skilled Nursing Center

131

MARCUS, MICHAEL

96.4%

$27,564,541.00

$7,101,334.00

25.8%

126.30

4/5

3.8427

4/5

3/5

JGS Lifecare

Loomis Lakeside at Reeds Landing

TODD, LORI

99.8%

$10,165,949.00

$5,189,584.00

51%

39.10

5/5

4.3878

4/5

5/5

Saint Luke’s Home

Type of care: AL

Pets Allowed: No

Rate Range: -

Chapin Center

Type of care: AL

Community: Springfield

Bed Count: 160

Pets Allowed: No

Rate Range: -

East Longmeadow Skilled Nursing Center

Type of care: AL

Bed Count: 131

Pets Allowed: No

Operator: MARCUS, MICHAEL

CCN: 225331

Occupancy: 96.4%

Home Revenue: $27,564,541.00

Payroll Costs: $7,101,334.00

Payroll %: 25.8%

Avg Residents/Day: 126.30

Overall Rating: 4/5

Adj Nurse Hours: 3.8427

Health Insp Rating: 4/5

Staffing Rating: 3/5

QM Rating: 3/5

Number of Fines: 1

Rate Range: -

JGS Lifecare

Type of care: AL

Pets Allowed: No

Rate Range: -

Loomis Lakeside at Reeds Landing

Type of care: AL

Bed Count: 42

Pets Allowed: No

Operator: TODD, LORI

CCN: 225691

Occupancy: 99.8%

Home Revenue: $10,165,949.00

Payroll Costs: $5,189,584.00

Payroll %: 51%

Avg Residents/Day: 39.10

Overall Rating: 5/5

Adj Nurse Hours: 4.3878

Health Insp Rating: 4/5

Staffing Rating: 5/5

QM Rating: 5/5

Rate Range: -

Claim What’s Yours: Financial Aid for Massachusetts Seniors

Program

State Program Name

Eligibility

Benefits

Home Care Program

MassHealth Home Care

Official government program page

General: Age 60+, Massachusetts resident, at risk of nursing home placement.
Income Limits (2025): ~$1,500/month (individual, varies by region).
Asset Limits: $2,000 (individual, excludes home, car).
MA Specifics: Coordinated through Aging Services Access Points (ASAPs); high demand in urban areas.

Services: In-home care (3-5 hours/day), homemaker services, respite care (up to 14 days/year), adult day care (~$75/day).

Frail Elder Waiver

Massachusetts Medicaid FE Waiver

Official government program page

General: Age 65+, Massachusetts 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).
MA Specifics: Requires clinical eligibility determination.

Services: Personal care (5-7 hours/day), respite care (240 hours/year), adult day care (~$75/day), home health services.

Senior Care Options (SCO)

Massachusetts Senior Care Options

Official government program page

General: Age 65+, Massachusetts resident, eligible for MassHealth (Medicare optional), nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual); QIT allowed.
Asset Limits: $2,000 (individual), $3,000 (couple) (excludes home up to $713,000, car).
MA Specifics: Not available in Dukes/Nantucket Counties; multiple SCO providers (e.g., CCA, Tufts).

Services: Personal care (5-7 hours/day), medical care, respite (240 hours/year), adult

Medicare Savings Program (MSP)

Massachusetts Medicare Savings Program (MassHealth Buy-In)

Official government program page

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

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

National Family Caregiver Support Program (NFCSP) Respite

Massachusetts NFCSP Respite Care

Official government program page

General: Caregivers of 60+ needing care or 55+ caregivers of others; Massachusetts resident; functional needs (2+ ADLs).
Income Limits (2025): Prioritizes ~$24,980/year (individual); no strict cap.
Asset Limits: Not assessed; need-based.
MA Specifics: 27 ASAPs; prioritizes low-income, rural caregivers.

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), caregiver training, supplies (~$500/year).

Prescription Advantage

Massachusetts Prescription Advantage

Official government program page

General: Age 65+ or disabled, Massachusetts resident, enrolled in Medicare Part D (or ineligible for Medicare).
Income Limits (2025): No strict limit; copays vary by income (~$24,980-$75,000/year individual).
Asset Limits: Not assessed.
MA Specifics: Supplements Medicare Part D; no enrollment fee for low-income.

Services: Covers prescription copays ($5-$40/drug), fills coverage gaps, catastrophic cost protection ($4,000+ covered).

Senior Community Service Employment Program (SCSEP)

Massachusetts SCSEP

Official government program page

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

Services: Paid training (~20 hours/week at ~$15/hour), job placement.

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

Massachusetts VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, Massachusetts 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).
MA Specifics: High veteran demand statewide.

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

Claim What’s Yours Financial Aid for Massachusetts Seniors

MassHealth Home Care

Home Care Program

Requirements:

General:
Age 60+, Massachusetts resident, at risk of nursing home placement.
Income Limits (2025):
~$1,500/month (individual, varies by region).
Asset Limits:
$2,000 (individual, excludes home, car).
MA Specifics:
Coordinated through Aging Services Access Points (ASAPs); high demand in urban areas.

Benefits without Contact:

Services: In-home care (3-5 hours/day), homemaker services, respite care (up to 14 days/year), adult day care (~$75/day).

Official Program Page

Massachusetts Medicaid FE Waiver

Frail Elder Waiver

Requirements:

General:
Age 65+, Massachusetts 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).
MA Specifics:
Requires clinical eligibility determination.

Benefits without Contact:

Services: Personal care (5-7 hours/day), respite care (240 hours/year), adult day care (~$75/day), home health services.

Official Program Page

Massachusetts Senior Care Options

Senior Care Options (SCO)

Requirements:

General:
Age 65+, Massachusetts resident, eligible for MassHealth (Medicare optional), nursing home-level care need.
Income Limits (2025):
~$2,829/month (300% FBR, individual); QIT allowed.
Asset Limits:
$2,000 (individual), $3,000 (couple) (excludes home up to $713,000, car).
MA Specifics:
Not available in Dukes/Nantucket Counties; multiple SCO providers (e.g., CCA, Tufts).

Benefits without Contact:

Services: Personal care (5-7 hours/day), medical care, respite (240 hours/year), adult

Official Program Page

Massachusetts Medicare Savings Program (MassHealth Buy-In)

Medicare Savings Program (MSP)

Requirements:

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

Benefits without Contact:

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

Official Program Page

Massachusetts NFCSP Respite Care

National Family Caregiver Support Program (NFCSP) Respite

Requirements:

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

Benefits without Contact:

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), caregiver training, supplies (~$500/year).

Official Program Page

Massachusetts Prescription Advantage

Prescription Advantage

Requirements:

General:
Age 65+ or disabled, Massachusetts resident, enrolled in Medicare Part D (or ineligible for Medicare).
Income Limits (2025):
No strict limit; copays vary by income (~$24,980-$75,000/year individual).
Asset Limits:
Not assessed.
MA Specifics:
Supplements Medicare Part D; no enrollment fee for low-income.

Benefits without Contact:

Services: Covers prescription copays ($5-$40/drug), fills coverage gaps, catastrophic cost protection ($4,000+ covered).

Official Program Page

Massachusetts SCSEP

Senior Community Service Employment Program (SCSEP)

Requirements:

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

Benefits without Contact:

Services: Paid training (~20 hours/week at ~$15/hour), job placement.

Official Program Page

Massachusetts VA Aid and Attendance/Housebound

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

Requirements:

General:
Age 65+ or disabled veteran/spouse, Massachusetts 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).
MA Specifics:
High veteran demand statewide.