The Cedars Portland

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

11.9 miles from city center

Description

Located in the bright and peaceful residential area of Ocean Avenue, Portland, ME, The Cedars goes above and beyond to deliver assisted living, independent living, memory care, skilled nursing, and short-term rehabilitation for residents to have the finest retirement. The community values residents’ privacy, providing a wide selection of cozy and well-designed floor plans to foster comfort and familiarity. With its long history of exceptional care and assistance since 1929, The Cedars continuously provides a safe place for residents to flourish and experience meaningful things.

Combining the utmost comfort and medical expertise, the community ensures residents’ needs and aspirations are well-cared for. As a non-profit community, The Cedars strives to provide accessible and up-to-date care to enjoy every moment of their best years.

Map

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Details

What does this place offer?

Housing Options Studio / 1 Bed / 2 Bed

Building Type 2-story

Amenities

Transportation Services

Fitness and Recreation

Type of Care Available

Independent Living Assisted Living Memory Care

Claim What’s Yours: Financial Aid for Maine Seniors

Program

State Program Name

Eligibility

Benefits

Home and Community Benefits for the Elderly

MaineCare HCB Program

General: Age 65+ or 18+ with disability, Maine 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).
ME Specifics: Rural access emphasized.

Services: Personal care (5-7 hours/day), respite (240 hours/year), meals ($6/meal), adult day services ($60/day).

Maine Statewide Respite Program

ME Respite Program

General: Caregiver of someone 60+ with dementia, Maine resident.
Income Limits: ~$2,500/month (individual, varies).
Asset Limits: $40,000 (individual).
ME Specifics: Limited to dementia caregivers; capped funding.

Services: In-home respite (up to 30 days/year), adult day care (~$60/day).

MaineCare Long-Term Care (Nursing Facility Services)

MaineCare Nursing Facility Services

General: Age 65+, Maine resident, Medicaid-eligible, requires nursing home-level care.
Income Limits (2025): $943/month (individual); must be less than nursing home cost for full coverage.
Asset Limits: $2,000 (individual), $3,000 (couple); spousal allowance up to $155,356.
ME Specifics: Home equity limit of $636,000; estate recovery applies post-55.

Services: 24/7 nursing care, meals, therapy, medications (hours unlimited per medical need).

Consumer-Directed Home-Based Care (CDHBC)

Maine Consumer-Directed Personal Assistance Services

General: Age 65+, Maine resident, needs ADL assistance, income/asset limits apply.
Income Limits (2025): ~$2,000/month (varies by AAA).
Asset Limits: Not strict; prioritizes low-income.
ME Specifics: Available through five Area Agencies on Aging.

Services: Personal care (20-30 hours/week), PERS, adult day care, home modifications.

Home Accessibility and Repair Program

Maine State Housing Authority Home Accessibility and Repair

General: Age 62+, Maine resident, homeowner, low-income.
Income Limits (2025): ~$34,000/year (individual, 80% AMI, varies by county).
Asset Limits: Not specified; focus on income.
ME Specifics: Includes Elderly Hardship Grants for urgent repairs.

Services: Wheelchair ramps, grab bars, roof repairs (up to $20,000/project).

Program of All-Inclusive Care for the Elderly (PACE)

Maine PACE (not widely available yet)

General: Age 55+, Maine resident, Medicare/Medicaid-eligible, nursing home-level care need, community-safe.
Income Limits (2025): No strict limit; Medicaid portion $2,901/month max.
Asset Limits: $2,000 (individual) for Medicaid portion.
ME Specifics: Pilot phase; check availability with DHHS.

Services: Medical care, personal care, day center, transportation, respite (tailored to need).

Veterans Aid and Attendance (A&A) Benefit

Maine VA Aid and Attendance

General: Wartime veteran/spouse, age 65+ or disabled, needs ADL help, Maine resident.
Income Limits (2025): Net income minus medical expenses < $1,984/month (individual with A&A).
Asset Limits: $155,356 (net worth limit).
ME Specifics: High veteran population in rural areas.

Services: Cash benefit ($1,478-$2,471/month, varies by status) for care costs.

Medicare Savings Programs (MSP)

Maine Medicare Savings Programs

General: Age 65+, Maine resident, Medicare Part A/B enrollee.
Income Limits (2025): $2,014/month (individual, QMB), $2,706/month (SLMB/QI).
Asset Limits: $9,090 (individual), $13,630 (couple).
ME Specifics: Includes Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), and Qualified Individual (QI).

Services: Covers Medicare premiums (up to $174.70/month Part B), co-pays, deductibles.

Claim What’s Yours Financial Aid for Maine Seniors

MaineCare HCB Program

Home and Community Benefits for the Elderly

Eligibility

General: Age 65+ or 18+ with disability, Maine 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).
ME Specifics: Rural access emphasized.

Benefits

Services: Personal care (5-7 hours/day), respite (240 hours/year), meals ($6/meal), adult day services ($60/day).

ME Respite Program

Maine Statewide Respite Program

Eligibility

General: Caregiver of someone 60+ with dementia, Maine resident.
Income Limits: ~$2,500/month (individual, varies).
Asset Limits: $40,000 (individual).
ME Specifics: Limited to dementia caregivers; capped funding.

Benefits

Services: In-home respite (up to 30 days/year), adult day care (~$60/day).

MaineCare Nursing Facility Services

MaineCare Long-Term Care (Nursing Facility Services)

Eligibility

General: Age 65+, Maine resident, Medicaid-eligible, requires nursing home-level care.
Income Limits (2025): $943/month (individual); must be less than nursing home cost for full coverage.
Asset Limits: $2,000 (individual), $3,000 (couple); spousal allowance up to $155,356.
ME Specifics: Home equity limit of $636,000; estate recovery applies post-55.

Benefits

Services: 24/7 nursing care, meals, therapy, medications (hours unlimited per medical need).

Maine Consumer-Directed Personal Assistance Services

Consumer-Directed Home-Based Care (CDHBC)

Eligibility

General: Age 65+, Maine resident, needs ADL assistance, income/asset limits apply.
Income Limits (2025): ~$2,000/month (varies by AAA).
Asset Limits: Not strict; prioritizes low-income.
ME Specifics: Available through five Area Agencies on Aging.

Benefits

Services: Personal care (20-30 hours/week), PERS, adult day care, home modifications.

Maine State Housing Authority Home Accessibility and Repair

Home Accessibility and Repair Program

Eligibility

General: Age 62+, Maine resident, homeowner, low-income.
Income Limits (2025): ~$34,000/year (individual, 80% AMI, varies by county).
Asset Limits: Not specified; focus on income.
ME Specifics: Includes Elderly Hardship Grants for urgent repairs.

Benefits

Services: Wheelchair ramps, grab bars, roof repairs (up to $20,000/project).

Maine PACE (not widely available yet)

Program of All-Inclusive Care for the Elderly (PACE)

Eligibility

General: Age 55+, Maine resident, Medicare/Medicaid-eligible, nursing home-level care need, community-safe.
Income Limits (2025): No strict limit; Medicaid portion $2,901/month max.
Asset Limits: $2,000 (individual) for Medicaid portion.
ME Specifics: Pilot phase; check availability with DHHS.

Benefits

Services: Medical care, personal care, day center, transportation, respite (tailored to need).

Maine VA Aid and Attendance

Veterans Aid and Attendance (A&A) Benefit

Eligibility

General: Wartime veteran/spouse, age 65+ or disabled, needs ADL help, Maine resident.
Income Limits (2025): Net income minus medical expenses < $1,984/month (individual with A&A).
Asset Limits: $155,356 (net worth limit).
ME Specifics: High veteran population in rural areas.

Benefits

Services: Cash benefit ($1,478-$2,471/month, varies by status) for care costs.

Maine Medicare Savings Programs

Medicare Savings Programs (MSP)

Eligibility

General: Age 65+, Maine resident, Medicare Part A/B enrollee.
Income Limits (2025): $2,014/month (individual, QMB), $2,706/month (SLMB/QI).
Asset Limits: $9,090 (individual), $13,630 (couple).
ME Specifics: Includes Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), and Qualified Individual (QI).