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Paying for Memory Care
Compassionate Memory Care—No Large Buy-In, Just Exceptional Support
At Cedar Hill’s Judith Brogren Memory Care Center, we believe compassionate care should come with clarity and flexibility—not a large upfront financial commitment. Unlike many retirement communities that require costly buy-ins or long-term contracts, our residents simply pay monthly rent based on the level of care and support they need. This allows families to protect savings, make informed decisions, and adjust care as needs evolve—without sacrificing quality.
As part of our continuing care community, memory care residents also benefit from the peace of mind that comes with priority access to a full continuum of services, including skilled nursing, should their health needs change. Getting started is simple: after completing a straightforward application with basic medical and financial information, a deposit is required to reserve a private or semi-private suite.
Paying for Memory Care: Flexible, Familiar Options
We understand that planning for memory care can feel overwhelming—but you’re not alone. Our team is here to help you navigate your options and find a path that fits your family’s needs and resources. Here are some of the most common ways families pay for memory care:
Private Pay (Out-of-Pocket)
Many families cover memory care expenses through personal assets, including:
• Savings and retirement accounts (IRA, 401(k), pensions)
• Social Security or investment income
• Proceeds from the sale of a home
Using Home Equity
Some families fund care by:
• Selling the family home
• Using a bridge loan during a home sale
• Exploring reverse mortgage options (when a spouse remains in the home)
Long-Term Care Insurance
If your loved one has a long-term care policy, it may help cover memory care services. Policies vary, so be sure to check:
• Daily benefit amounts and lifetime limits
• Whether memory or custodial care is covered
• Any elimination (waiting) periods before benefits begin
Veterans Benefits
Eligible veterans and their spouses may receive support through the VA Aid and Attendance program. This benefit can significantly reduce monthly costs and is based on:
• Service during wartime (at least 90 days, with one day during wartime)
• Demonstrated financial and medical need
• Approval from the U.S. Department of Veterans Affairs
Medicaid (Limited Availability)
While Medicare does not cover memory care, Medicaid may help in specific situations, especially for those who qualify based on income and medical need. Cedar Hill participates in select Medicaid waiver programs; eligibility varies by state.
Additional Options
Families often combine resources, such as:
• Annuities or life insurance policy conversions
• Financial support from family members
• Grants or assistance from non-profit and community programs
We’re Here to Help
Our team at Cedar Hill is here to support you every step of the way—from understanding your financial options to helping you complete paperwork for veterans benefits or Medicaid eligibility. We welcome private pay and work closely with families to make the transition to memory care as smooth and stress-free as possible.
Have questions about paying for memory care? Call us anytime. We’re happy to walk you through your options and help you find a solution that works for your family.
