Residents in Rhode Island typically pay more than the national average for senior care. It’s important to understand the main differences between living and care arrangements when deciding the best setting for an older adult transitioning to senior care. The cost of home care, assisted living, and nursing homes can be significant, depending on your location and necessary care level. Here, we describe these differences and introduce some options to help you pay for senior care in Rhode Island.

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Cost of assisted living in Rhode Island

Multiple factors influence the cost of assisted living in Rhode Island. Many of these factors depend on the type and level of care you need. Long-term care financial company Genworth reported in 2021 that the average cost of assisted living in Rhode Island is $6,826 per month. This cost has increased by 37.9% in the last year.

The level of care a person requires will impact the cost of assisted living, but where you live also matters. The average cost of assisted living in Providence is $6,063 monthly over 11% less than the average in the state.

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Cost of nursing homes in Rhode Island

The difference between nursing homes and assisted living facilities is in their accommodations and the level of care they provide. In nursing homes, the living environment is more clinical, where residents live in a private or semi-private room without a living room or kitchen area. In assisted living facilities, residents live in apartments with a private bathroom and kitchenette.

The cost of nursing homes in Rhode Island is nearly 40% greater than that of assisted living facilities. The average cost for a semi-private room is $9,429 per month, and a private room is $10,038 per month. These costs will vary across the state. The cost of a private room in Providence is $10,190 per month and a private room averages $10,798 monthly, both higher than the average across the state.

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Read more: How to Pay for Nursing Home Care

Cost of home care in Rhode Island

If you can stay at home but need a little help, home care is an excellent alternative to moving into a facility, which allows you to stay at home and brings care to you. There are two types of home care that can help meet your needs. One option is homemaker services, where a non-medical caregiver goes to your home to help with basic living activities, like grocery shopping, meal preparation, housekeeping, and cleaning. The other option is to hire a home health aide. A home health aide assists with bathing and toileting and can provide health monitoring, like taking their pulse and blood pressure readings. Home health aides can also monitor the person’s mental health condition they are helping.

The cost difference between the two care types is about 16.9%, so you should consider the type of care needed and research your care options based on the needs to save money. The average hourly cost of a home health aide is $29.95 per hour, and the homemaker service averages $31.19 an hour. 

Cost of memory care in Rhode Island

Memory care is the fastest-growing care segment in the U.S. as measured by the number of individuals needing the care and the number of memory care providers. Memory care specializes in the care of residents or patients with Alzheimer’s disease or other forms of dementia. Memory care is provided at a standalone memory care facility or at an additional cost in an assisted living facility or nursing home.

Memory care is typically an additional cost above assisted living or a nursing home. The incremental cost is due to these residents receiving 24-hour long-term care. This additional cost averages $0 per month in Rhode Island.