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.

The Lodge at White Bear

Overview of The Lodge at White Bear – Sky Active

Set in the enticing neighborhood of East County Line North, White Bear Lake, MN, is the outstanding senior living community of The Lodge at White Bear focusing on independent living. With a snug and sophisticated studio, one-bedroom, and two-bedroom residences, seniors have a relaxing and secure retirement. As a Sky Active Living community, The Lodge at White Bear strives to provide exceptional experiences for seniors to thrive and live to their potential.

Cherish every moment of your golden years with enjoyable activities and fun programs that focus on your aspirations and strengths. The community helps seniors keep their surroundings clean with housekeeping and laundry services. Indulge in delightful and well-balanced meals for a satisfactory dining experience. The Lodge at White Bear is ideal for seniors aiming to maximize their independence with its peaceful spaces.

(763) 363-3793

Walk Score: 68 / 100

Moderately walkable. Some errands can be accomplished on foot, with a mix of nearby amenities.

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Arbor Glen Senior Living	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support. MC Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.	Lake Elmo	94	Yes	34	-	89.4%	-		3	91.1%	1	7
The Lodge at White Bear – Sky Active	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.	St Paul	-	No	68	-	-	-	-	-	-	0	0
Autumn Glen Senior Living	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.	St Paul	-	No	27	-	-	-	-	-	-	0	0
Legends of Apple Valley	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.	St Paul	-	No	31	-	-	-	-	-	-	0	0
Talamore Woodbury	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.	St Paul	-	No	19	-	-	-	-	-	-	0	0

Arbor Glen Senior Living

Type of care: AL IL MC

Community:Location: Lake Elmo

Bed Count: 94

Pets Allowed: Yes

The Lodge at White Bear – Sky Active

Type of care: AL

Community:Location: St Paul

Pets Allowed: No

Autumn Glen Senior Living

Type of care: AL

Community:Location: St Paul

Pets Allowed: No

Legends of Apple Valley

Type of care: AL

Community:Location: St Paul

Pets Allowed: No

Talamore Woodbury

Type of care: AL

Community:Location: St Paul

Pets Allowed: No

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Elderly Waiver

Minnesota Medicaid EW

Age 65+

General Minnesota 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

Higher asset limit; rural access focus.

Benefits

Personal care (5-7 hours/day) Respite (240 hours/year) Adult day care (~$70/day) Home aides

Essential Community Supports (ECS)

Minnesota ECS

Age 65+

General Minnesota resident, at risk of decline but not nursing home level.

Income Limits ~$1,732/month individual, varies

Asset Limits $3,000 individual

Bridges gap for those ineligible for waivers.

Benefits

In-home support (2-4 hours/week) Respite (up to 5 days/year) Transportation (~5 trips/month)

Alternative Care (AC) Program

Minnesota Alternative Care Program

Age 65+

General Minnesota resident, NFLOC, not MA-eligible.

Income Limits (2025) ~$1,255-$2,829/month (100%-300% FPL); sliding scale copays.

Asset Limits $3,000 (individual); home equity limit $713,000.

CDCS option; statewide via counties.

Benefits

Personal care (4-6 hours/day) Respite (~5 days/year) Home health Meals Home mods

Minnesota Senior Health Options (MSHO)

Minnesota Senior Health Options

Age 65+

General Minnesota resident, eligible for MA and Medicare Parts A/B.

Income Limits (2025) ~$1,255/month (100% FPL for MA); spenddown allowed.

Asset Limits $3,000 (individual), $6,000 (couple).

7 health plans (e.g., UCare, HealthPartners); care coordinator assigned.

Benefits

Personal care (5-7 hours/day) Medical care Respite Adult day care Home mods $900/year groceries (some plans)

Minnesota Senior Care Plus (MSC+)

Minnesota Senior Care Plus

Age 65+

General Minnesota resident, MA-eligible, not on Medicare.

Income Limits (2025) ~$1,255/month (100% FPL); spenddown allowed.

Asset Limits $3,000 (individual), $6,000 (couple).

Includes EW services; 7 health plans available.

Benefits

Personal care (5-7 hours/day) Respite Adult day care Home mods Limited nursing home care

Consumer Support Grant (CSG)

Minnesota Consumer Support Grant

Age 65+ or disabled

General Minnesota resident, eligible for MA personal care but opts for grant.

Income Limits (2025) ~$1,255/month (MA-eligible); spenddown allowed.

Asset Limits $3,000 individual

Can hire family; statewide via counties.

Benefits

Cash (~$500-$1,500/month) for personal care Respite Home mods Assistive tech

Medicare Savings Program (MSP)

Minnesota Medicare Savings Program

Age 65+ or disabled

General Minnesota 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).

Three tiers; no waitlist; includes Extra Help for Part D.

Benefits

Covers Part B premiums ($174.70/month) Deductibles ($240/year) Copays (~20%)

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

Minnesota VA Aid and Attendance/Housebound

Age 65+ or disabled veteran/spouse

General Minnesota 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

High veteran demand in rural/urban areas.

Benefits

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

Guides for Better Senior Living

Care Cost Calculator: See Prices in Your Area

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

The Lodge at White Bear – Sky Active

Independent Living in St. Paul

Independent Living in St. Paul

Overview of The Lodge at White Bear – Sky Active

Contact The Lodge at White Bear – Sky Active

Compare Independent Living around St Paul