The cost of assisted living in Minnesota averages approximately $4,800 per month, according to A Place for Mom’s internal data on our partner communities in the state. That’s about $300 less expensive than the national average. However, Minnesota’s assisted living monthly costs can range from about $2,400 on the lowest end to $7,700 on the higher end.[01]
Assisted living costs are different from community to community. They depend on factors like the specific location of the community, the size of their apartment floor plans, the quality of amenities they offer, and whether they provide advanced or specialized care levels. You can expect higher costs in communities offering larger apartment options, more luxurious amenities, and higher care levels.
The assisted living costs above account for all fees paid, including any extra services, amenities, and care. Our figures are reflective of the actual prices paid by families referred to one of A Place for Mom’s partner assisted living communities in Minnesota. Families can use a combination of private and public payment methods to cover these costs, which you can read about in the following section.
Average monthly costs
Minnesota
US National average
Average monthly costs
Average monthly costs
Average monthly costs
Families should start planning for how to pay for long-term care as early as possible. Whether you’re able to cover assisted living using personal savings or opt to utilize public pay options, there are a variety of methods to pay for assisted living in Minnesota. Read about the payment options below, or view our guide to paying for long-term care for a high-level overview.
Some families pay for long-term care using personal savings. However, there are a number of other private pay options. Click on the cards below to learn more about some different options.
Selling a house will generate funds to help pay for assisted living in Minnesota.
Reverse mortgage loans can convert a portion of your home equity into cash, which can be used to pay for assisted living in Minnesota.
Health savings accounts (HSAs) can help cover long-term care insurance premiums and other health care costs in Minnesota.
Life insurance policies can be sold or surrendered to pay for assisted living in Minnesota.
Long-term care insurance covers some assisted living services in Minnesota, depending on the policy.
Social Security benefits can be used to help pay for assisted living in Minnesota.
There are about 282,627 veterans living in Minnesota.[02] When it comes to paying for long-term care, Minnesota’s veterans have several resources at their disposal, one being benefits provided by the U.S. Department of Veterans Affairs (VA). The VA provides generous benefit coverage to qualifying veterans and their spouses. Even if you assume you won’t qualify, their benefits are worth looking into, and you or your loved one may meet more eligibility criteria than you expect.
Additional benefits may also apply if you or a loved one acquired a disability during wartime service. Read through the VA’s list of service-connected ailments to learn more about their criteria.
For help navigating veterans benefits and its application process, which are both exceedingly complicated, reach out to a benefits counselor. There are many sources of guidance in Minnesota, including local VA centers and veterans service organizations (VSOs).
In Minnesota, local VSOs include the following:
Medicaid provides health insurance to individuals with a low or limited income. It’s a state and federal program and is administered at the state level. Medicaid can help families cover some assisted living costs, but it won’t cover the cost of room and board.
Minnesota’s Medicaid program is called Medical Assistance (MA). Administered by Minnesota’s Department of Human Services, MA’s coverage can include the following services:[03]
MA offers a waiver program for home and community based services (HCBS). Minnesota’s HCBS waiver programs include the following:[04]
Sometimes, accessing or understanding Medicaid benefits can be stressful or overwhelming. Fortunately, you can find free assistance through a local long-term care ombudsman. You can contact a Minnesota long-term care ombudsman by calling 651-431-2555. Their toll-free number is 1-800-657-3591. Alternatively, you can email them at MBA.OOLTC@state.mn.us.
Medicare is a federal health insurance program. It’s designed for adults aged 65 or older and people with disabilities. While Medicare can help cover some costs of assisted living, it will not cover the cost of room and board or nonmedical personal care. If you’d like to learn if a specific procedure, diagnostic test, or medical device is covered, you can search it using the Medicare coverage search tool.
Minnesota offers Medicare Savings Programs to help eligible people pay for their Medicare premiums, deductibles, and copays. Through the state’s Extra Help program, also called the Medicare Part D Low Income Subsidy (LIS), individuals can also receive financial assistance to cover their drug plan deductibles, copays, and coinsurance.
Senior LinkAge Line is Minnesota’s State Health Insurance Assistance Program (SHIP). It works in partnership with the state’s area agencies on aging to provide assistance with understanding and enrolling in Medicare benefits, along with other beneficial services.
For further assistance with navigating Medicare benefits, reach out to one of Minnesota’s local resources:
Reviewer Ranking
4.5/ 5.0
(31)I looked at quite a few places before settling on The Waters. The staff are delightful, the apartments are quite lovely - light and bright, I’ve eaten there a few times and been impressed. My mom - Who is...
Reviewer Ranking
4.8/ 5.0
(20)It is a very nice, clean, modern facility. The staff have been very accommodating. We appreciate all the activities you can attend if wanted. We don't worry about our loved one when we are not there.
Reviewer Ranking
4.9/ 5.0
(18)I am a family member of one of the residence in the memory care. Overall, I have been very pleased with the care that my family member has received a special shout out to nurse [name removed] and to life...
Reviewer Ranking
4.4/ 5.0
(18)Well-trained, efficient staff in a well-maintained facility. The care (medical attention, attention to resident needs, etc.) seems quite good (no smells, no trash lying around, etc.). Security for...
Reviewer Ranking
4.1/ 5.0
(25)We picked this community, because of the location. They are friendly, approachable, and knowledgeable. It's just a good fit for my sister. Lots of social opportunities if a person is interested.
Reviewer Ranking
4.2/ 5.0
(16)I love my apartment and I love the location. Never saw myself as a city dweller but I really appreciate it. The diversity in the people here is a first for me. It’s great. The neighborhood has such...
Reviewer Ranking
4.6/ 5.0
(85)My Mom was in the hurt bag before she moved into Legacy. She's come a long way in the time she has been there. It hasn't always been smooth sailing, but our family is very happy she is at Legacy.
Reviewer Ranking
4.5/ 5.0
(31)I love the location. My daughter lives in Bryn Mawr (where I grew up) and I have two other children in Minneapolis. I am lucky to have a Southwest corner location and I can see planes flying in from the...
Reviewer Ranking
4.4/ 5.0
(20)We chose Global pointe because it was the best fit for the care needs of my parents. The staff is very friendly and the team works hard to train and retain staff.
Reviewer Ranking
4.2/ 5.0
(56)They are friendly and helpful. I don't know about the food, even the basics seem like very poor execution. No flavor and overly salty, it even looks unappetizing. The activities never seem to change, just...
Reviewer Ranking
4.1/ 5.0
(55)The staff was very attentive to my dad who was in a wheelchair. They treated him with respect and had fun with him too. When he passed away, they all came to pay their respects and many shed tears.
Reviewer Ranking
4.3/ 5.0
(14)MY WIFE'S MOM STAYED AT CHAPEL VIEW AND SHE APPRECIATED THE STAFF AND THE FACILITY. IT'S HARD TO PROVIDE CARE THAT MAKES FAMILIES HAPPY BECAUSE IT'S NOT LIKE HOME BUT CHAPEL VIEW DOES A GREAT JOB. MANAGMENT...
Reviewer Ranking
3.9/ 5.0
(77)I had to quickly find an assisted living facility for my Mother with Macular Degeneration and Stepfather with advanced Parkinson's, who could not be released from the VA to go back to their apartment for...
Reviewer Ranking
4.3/ 5.0
(9)The friendliness of the staff gets a 5+. What our family likes the most about Havenwood of Maple Grove is the staff accessibility, knowledgeable, and friendliness. They feel like family. We would definitely...
Reviewer Ranking
4.3/ 5.0
(25)Facility and staff are excellent. I would recommend Silver Creek on Main. I wish the monthly cost was a bit lower but would be happy if the rent did not go up every year. All-in-all very good place for mom!
The licensure term for assisted living in Minnesota is “Assisted Living Facility.” Assisted Living Facilities are regulated by the Department of Health’s Health Regulation Division. Minnesota recognizes two levels of Assisted Living Facilities. The first offers standard services found in most assisted living communities across the U.S., such as room and board, medication management, and assistance with activities of daily living (ADLs). The second offers the same services with the addition of specialized dementia care.[05]
An Assisted Living Facility (including one with dementia care) is defined as a facility that provides sleeping arrangements and assisted living services to at least one adult. Minnesota’s assisted living services can include one or more of the following:[05]
You can find a complete list of specific regulations that Minnesota’s Assisted Living Facilities must follow in the Minnesota section of the National Center for Assisted Living (NCAL)’s Assisted Living State Regulatory Review.
We developed a system to rate each state on how easy – or difficult – it is to find important assisted living records and reports and compiled tips to help you in your search.
States with the most transparent records allow you to look up important information about each assisted living facility online, including inspections, complaints, survey results, violations, capacity, and whether the facility accepts Medicaid.
Public access to assisted living records and reports for the state of Minnesota is exceptional. Key findings that informed this rating include:
Follow the instructions below to look up assisted living licenses and records in Minnesota.
We developed a standard methodologyfor state data collection and evaluation, and based our rating primarily on the objective, state-specific accessibility criteria outlined in these questions:
A Place for Mom. (2023). A Place for Mom proprietary data.
United States Census Bureau. QuickFacts Minnesota.
Minnesota Department of Human Services. Medical Assistance coverage.
Minnesota Department of Human Services. Medical Assistance (MA) coverage for home and community based services through a waiver program.
National Center for Assisted Living (NCAL). (2022). Assisted living state regulatory review.
Overview of assisted living in MN
The information contained on this page is for informational purposes only and is not intended to constitute medical, legal or financial advice or create a professional relationship between A Place for Mom and the reader. Always seek the advice of your health care provider, attorney or financial advisor with respect to any particular matter, and do not act or refrain from acting on the basis of anything you have read on this site. Links to third-party websites are only for the convenience of the reader; A Place for Mom does not endorse the contents of the third-party sites.
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