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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The Cottage

670 Bay Cove Drive, Biloxi, MS 39532 View Map

The Cottage is a Memory Care Home in Mississippi

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The Cottage
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Overview of The Cottage

The Cottage Memory Care at Bay Cove stands as a leading memory care community in Biloxi, Mississippi, delivering cutting-edge amenities and services meticulously designed for residents with Alzheimer’s and dementia. Within The Cottage, 31 thoughtfully adorned private and semi-private suites create a serene haven, complemented by a tranquil room, an engaging hobby space, a sunlit chamber, and a therapeutic garden. Senior residents here partake in tailored programs that prioritize and align with individual capabilities and requirements, ensuring a harmonious and supportive environment that nurtures well-being.

Their extensive amenities and services encompass a dedicated full-time Memory Care Director, continuous nursing support around the clock, thorough dementia care training for the entire staff, personalized wellness and fitness initiatives, and comprehensive on-site rehabilitation therapy offerings covering Physical, Occupational, and Speech therapies.

Types of Care at The Cottage

Memory Care

Comparison Chart

Compare Memory Care around Biloxi

Brookdale Biloxi

Biloxi

105

Yes

Emeritus Corporation

Studio / 1 Bed / 2 Bed

The Cottage

Biloxi

HEARTHSTONE A MINISTRY OF WESLEYLIFE LLC

77.4%

$11,076,063.00

$6,240,956.00

56.3%

89.20

1/5

4.9683

1/5

4/5

2/5

Settler‘s Pointe Personal Care Home

Pascagoula

Brookdale Biloxi

Type of care: AL MC

Community: Biloxi

Bed Count: 105

Pets Allowed: Yes

Operator: Emeritus Corporation

Bed Options: Studio / 1 Bed / 2 Bed

The Cottage

Type of care: MC

Community: Biloxi

Pets Allowed: No

Operator: HEARTHSTONE A MINISTRY OF WESLEYLIFE LLC

CCN: 165607

Occupancy: 77.4%

Home Revenue: $11,076,063.00

Payroll Costs: $6,240,956.00

Payroll %: 56.3%

Avg Residents/Day: 89.20

Overall Rating: 1/5

Adj Nurse Hours: 4.9683

Health Insp Rating: 1/5

Staffing Rating: 4/5

QM Rating: 2/5

Number of Fines: 1

Settler‘s Pointe Personal Care Home

Type of care: MC

Community: Pascagoula

Pets Allowed: No

670 Bay Cove Drive, Biloxi, MS 39532

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Guides for Better Senior Living

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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

Claim What’s Yours: Financial Aid for Mississippi Seniors

Program

State Program Name

Eligibility

Benefits

Elderly and Disabled Waiver

Mississippi Medicaid E&D Waiver

Official government program page

General: Age 65+ or disabled, Mississippi resident, Medicaid- eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $4,000 (individual, higher than most states).
MS Specifics: Higher asset limit; rural focus.

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

Mississippi Caregiver Respite Program

MS NFCSP Respite

Official government program page

General: Caregiver of someone 60+, Mississippi resident.
Income Limits: No strict limit; prioritizes low-income.
Asset Limits: Not applicable.
MS Specifics: Limited slots; rural emphasis.

Services: In-home respite (4-6 hours/day), adult day care (~$60/day), short-term facility care (up to 5 days).

Assisted Living (AL) Waiver

Mississippi Assisted Living Waiver

Official government program page

General: Age 65+ or disabled, Mississippi resident, Medicaid-eligible, NFLOC, living in approved AL facility.
Income Limits (2025): ~$2,829/month (300% FBR, individual); QIT required.
Asset Limits: $4,000 (individual), $6,000 (couple).
MS Specifics: Only for AL facilities with waiver contracts; small program size.

Services: Personal care, meals, medication management, respite, transportation within AL facility.

Independent Living (IL) Waiver

Mississippi Independent Living Waiver

Official government program page

General: Age 16+ (65+ for seniors), Mississippi resident, Medicaid-eligible, NFLOC but capable of self-direction.
Income Limits (2025): ~$2,829/month (300% FBR, individual); QIT required.
Asset Limits: $4,000 (individual), $6,000 (couple).
MS Specifics: Self-directed care; limited to in-home settings.

Services: Personal care (4-6 hours/day), respite (~200 hours/year), home mods, assistive tech, transition services.

Medicare Savings Program (MSP)

Mississippi Medicare Savings Program

Official government program page

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

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

Mississippi Homemaker Program

Mississippi Homemaker Program (via Area Agencies on Aging)

Official government program page

General: Age 60+, Mississippi resident, not Medicaid-eligible, needs assistance with daily living.
Income Limits (2025): ~$1,063/month (100% FPL, individual); prioritizes low-income.
Asset Limits: Not strictly assessed; need-based focus.
MS Specifics: 10 AAAs; waitlist possible due to funding caps.

Services: Homemaker services (2-4 hours/day, e.g., cleaning, meal prep), respite (~2 days/year), transportation, meals.

Senior Community Service Employment Program (SCSEP)

Mississippi SCSEP

Official government program page

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

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

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

Mississippi VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, Mississippi 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).
MS Specifics: High veteran population in rural areas.

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 Mississippi Seniors

Mississippi Medicaid E&D Waiver

Elderly and Disabled Waiver

Requirements:

General:
Age 65+ or disabled, Mississippi resident, Medicaid- eligible, nursing home-level care need.
Income Limits (2025):
~$2,829/month (300% FBR, individual).
Asset Limits:
$4,000 (individual, higher than most states).
MS Specifics:
Higher asset limit; rural focus.

Benefits without Contact:

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

Official Program Page

MS NFCSP Respite

Mississippi Caregiver Respite Program

Requirements:

General:
Caregiver of someone 60+, Mississippi resident.
Income Limits:
No strict limit; prioritizes low-income.
Asset Limits:
Not applicable.
MS Specifics:
Limited slots; rural emphasis.

Benefits without Contact:

Services: In-home respite (4-6 hours/day), adult day care (~$60/day), short-term facility care (up to 5 days).

Official Program Page

Mississippi Assisted Living Waiver

Assisted Living (AL) Waiver

Requirements:

General:
Age 65+ or disabled, Mississippi resident, Medicaid-eligible, NFLOC, living in approved AL facility.
Income Limits (2025):
~$2,829/month (300% FBR, individual); QIT required.
Asset Limits:
$4,000 (individual), $6,000 (couple).
MS Specifics:
Only for AL facilities with waiver contracts; small program size.

Benefits without Contact:

Services: Personal care, meals, medication management, respite, transportation within AL facility.

Official Program Page

Mississippi Independent Living Waiver

Independent Living (IL) Waiver

Requirements:

General:
Age 16+ (65+ for seniors), Mississippi resident, Medicaid-eligible, NFLOC but capable of self-direction.
Income Limits (2025):
~$2,829/month (300% FBR, individual); QIT required.
Asset Limits:
$4,000 (individual), $6,000 (couple).
MS Specifics:
Self-directed care; limited to in-home settings.

Benefits without Contact:

Services: Personal care (4-6 hours/day), respite (~200 hours/year), home mods, assistive tech, transition services.

Official Program Page

Mississippi Medicare Savings Program

Medicare Savings Program (MSP)

Requirements:

General:
Age 65+ or disabled, Mississippi 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).
MS 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

Mississippi Homemaker Program (via Area Agencies on Aging)

Mississippi Homemaker Program

Requirements:

General:
Age 60+, Mississippi resident, not Medicaid-eligible, needs assistance with daily living.
Income Limits (2025):
~$1,063/month (100% FPL, individual); prioritizes low-income.
Asset Limits:
Not strictly assessed; need-based focus.
MS Specifics:
10 AAAs; waitlist possible due to funding caps.

Benefits without Contact:

Services: Homemaker services (2-4 hours/day, e.g., cleaning, meal prep), respite (~2 days/year), transportation, meals.

Official Program Page

Mississippi SCSEP

Senior Community Service Employment Program (SCSEP)

Requirements:

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

Benefits without Contact:

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

Official Program Page

Mississippi VA Aid and Attendance/Housebound

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

Requirements:

General:
Age 65+ or disabled veteran/spouse, Mississippi 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).
MS Specifics:
High veteran population in rural areas.

Benefits without Contact:

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

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.

The Cottage

The Cottage is a Memory Care Home in Mississippi

The Cottage is a Memory Care Home in Mississippi

The Cottage

The Cottage is a Memory Care Home in Mississippi