The Cottage

6.5 miles from city center

Description

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.

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Types of Care Available

Memory Care

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Claim What’s Yours: Financial Aid for Mississippi Seniors

Program

State Program Name

Eligibility

Benefits

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Elderly and Disabled Waiver

Mississippi Medicaid E&D Waiver

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

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

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

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

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)

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

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.