Data from the Alzheimer's Association indicates that 1,344 Iowan seniors died from Alzheimer's in 2019. As of 2020, 66,000 seniors in the state live with this disease, and the number is projected to rise by 10.6% to 73,000 by 2025. According to the CDC, Alzheimer's is the sixth leading cause of death in Iowa. Current estimates suggest that 13.9% of the American population will be diagnosed with dementia-related disorders by 2060.
Memory care facilities provide those living with Alzheimer's and dementia with care that is tailored to their unique needs. Memory care can take place in its own facility, or as part of a designated wing of another residential care community. Staff members of memory care units or facilities undergo specialized training in caring for those with memory impairment, and the facilities often coordinate social activities and schedules specifically for the needs of those living with Alzheimer's or dementia.
This guide will cover the cost of memory care in Iowa, financial assistance options for paying for memory care, free memory care resources in the state, and a directory of memory care facilities in Iowa.
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Because of the specialized staff training and resources required to provide high-quality memory care, memory care typically costs more than other types of residential care. On average, memory care will cost 20-30% more than assisted living.
Using data from the 2021 Genworth Cost of Care Survey, we added 25% to the cost of assisted living to calculate the cost of memory care.
In Iowa, the average monthly cost of memory care is $5,459, which is close to the United States median of $5,625. Memory care is cheaper in the nearby states of Missouri and Nebraska at $3,750 and $5,095, respectively. Communities in Illinois ($5,610) and Minnesota ($5,635) charge slightly more than they do in Iowa.
The costs of memory care are fairly similar across the state, with only a slight variation depending on location. The most affordable cities in the state are Sioux City ($5,185) and Davenport ($5,438). Seniors in the state capital of Des Moines have the most expensive care costs in Iowa at $6,004 per month. Cedar Rapids is not much cheaper at an estimated $5,935 for memory care.
Medicaid in Iowa doesn't cover memory care costs in assisted living or home-based environments. It does offer the Home- and Community-Based Services Elderly Waiver, which can be used by qualifying seniors to cover some of the costs of memory care.
Home- and Community-Based Services Elderly Waiver
Iowa's Home- and Community-Based Services Elderly Waiver is offered to eligible individuals to provide the support and care services they need in a community setting instead of a nursing home. The waiver doesn't cover room and board in an assisted living community. Services covered by the waiver include personal care, case management, housekeeping and nonmedical transportation.
Seniors in Iowa must meet certain income and medical guidelines to qualify for Medicaid coverage in the state. Single applicants are limited to an annual income of $30,276, while married couples are capped at $60,552 per year. Asset limits are $2,000 for single applicants and $3,000 for couples. Asset limits don't include properties or vehicles.
2022 Medicaid Income Limits for Seniors in Iowa
|family size||annual income limits||asset limits|
|Two-Person Household (Single Applicant)||$30,276 for applicant||$2,000 for applicant, $137,400 for non-applicant|
|Two-Person Household (Dual Applicants)||$60,552||$3,000|
Seniors should include the following documents with their application to prove they meet all the guidelines for coverage:
Services are available in Iowa to assist seniors and their families in the Medicaid application process.
|Department of Human Services||800-338-8366||The Department of Human Services processes all Medicaid applications. It has local offices throughout the state where seniors and their caregivers can be guided through the application in person. The department runs a helpline during the work week. Agents can telephonically answer any questions regarding Medicaid or assist seniors with their applications.|
|DHS Services Portal||Online Information||The DHS Services Portal is a website that provides step-by-step guidance through the Medicaid application process.|
|Iowa Department on Aging||Various Locations||The Iowa Department on Aging operates six Area Agencies on Aging. Seniors can contact their local agency to be guided through the application process.|
Unfortunately, Medicare does not generally cover the cost of Memory Care. Most Memory Care Facilities are considered to be "social settings," so Medicare does not cover the cost incurred in these facilities. The only exception to that is if you are receiving memory care services in a Nursing Home. While this situation is much less common, Medicare would sometimes cover the cost, depending on a number of circumstances.
That being said, Medicare does still cover qualified doctor visits, medications, etc., as it would if you were still at home, but it will not cover the cost of care received at the Memory Care Facility.
In addition to the state programs mentioned above, those looking for resources to finance memory care may consider:
In Iowa, facilities that provide residential assisted living and primarily serve the elderly are known as assisted living programs. The Iowa Department of Inspections and Appeals, Health Facilities Division, is responsible for inspecting and licensing ALPs. To become certified to provide dementia care, an ALP must meet specific requirements. The Department only certifies a facility as a dementia care unit after approving its:
After passing an initial inspection, a facility receives a two-year license. To ensure compliance with state regulations and that adequate care is provided to residents, the department conducts inspections of each ALP every other year going forward and in response to complaints.
Assisted living programs provide housing and care services to three or more residents in a homelike environment. ALPs and DCUs must employ a 24-hour response staff to meet the scheduled and unscheduled needs of residents and adequately provide for their supervision, security and safety. Facilities should encourage family involvement and emphasize resident dignity, individuality, independence and choice.
ALPs and DCUs must offer assistance with activities of daily living, but residents may receive help with no more than four ADLs. Health-related care and therapies may be provided by a licensed practical nurse or registered nurse on a part-time basis. These services are limited to 28 hours per week, for no more than 21 days per month. Facilities are also required to provide residents with access to a personal emergency response system, 24/7.
Hot meals prepared according to the recommendations of the National Academy of Science's Food and Nutrition Board must be provided to residents at least once each day. Residents may receive a therapeutic diet, if it is prescribed by a health care provider and overseen by a licensed dietitian.
ALPs and DCUs may accept elderly individuals with a wide range of conditions and care needs. The following table offers insight into the circumstances that may allow or restrict a person's admission.
Residents Who May Be Admitted
Residents Who May NOT Be Admitted
ALPs and DCUs are required to assess each resident's functional, health and cognitive status within their first 30 days of occupancy and develop a plan for the individual's care. A multidisciplinary team consisting of human services and health professionals must take part in plan development for residents who require personal and health care-related services.
A resident must be reassessed, and their care plan updated, after any significant change in their condition occurs or once per year at a minimum. The service plan for a resident of a DCU must include activities deemed appropriate for the individual's abilities and interests.
When indicated by a resident's assessment results, a managed risk agreement should be drafted between the facility and individual, and/or their representative.
If an ALP or DCU contracts with a third party to provide health-related or personal care to residents, details of the contracted services must be included in each resident's care plan.
Per state regulations, residents of ALPs and DCUs may self-administer medications, or have them administered by the facility's nursing staff. The Iowa Nurse Practice Act states that nurses may also delegate the administration of medication to unlicensed personnel. If administration is delegated to other facility personnel, an RN must be employed to ensure that doctors' orders remain up to date and prescriptions are properly administered and to regularly monitor residents for adverse reactions.
Private apartments are not required in ALPs and DCUs in Iowa, and resident accommodations do not have to include kitchenettes. Rooms may be single or double occupancy, and they must have a private bathroom equipped with a sink, toilet and bathtub or shower. Single occupancy rooms in facilities constructed after 2001 must provide 240 square feet of living space, and double occupancy rooms must provide a minimum of 340 square feet, excluding bathrooms.
Facilities providing dementia care are required to have operating exit door alarm systems and entrance door locks that staff can disable or remove in the event of a safety concern. As a necessary safety measure, staff must also have the ability to disable any kitchen appliances installed in residents' rooms.
There are no mandated minimum staff ratios for licensed ALPs in Iowa, but a facility must employ a sufficient number of trained and qualified personnel to meet the needs of its residents, 24 hours per day.
Each facility is required to have a program manager who oversees daily operations and staffing and staff members to assist with residents' daily living activities. Programs that provide health-related services or administer medications must employ a registered nurse to monitor the health status of residents and manage medications. At least one on-duty awake staff member is required at all times in DCUs.
Program managers and registered nurses must complete an AL management or nursing course within six months of being hired. Training on the facility's fire safety, emergency and accident procedures is required for all personnel.
Staff hired or contracted to work in a dementia care program or unit must receive at least eight hours of dementia-specific training and education in their first 30 days of employment. Direct care personnel are required to complete two hours of dementia-related continuing education each year.
The Iowa Medicaid program does not pay the full cost of care in ALP facilities and DCUs. However, it does offer the Home- and Community-Based Services Elderly Waiver, which covers the costs of specific services provided by a facility. These include personal and respite care and transportation services. The waiver is not an entitlement of Iowa Medicaid, so participation may be limited, and eligible individuals may be placed on a waiting list depending on availability.
Suspected abuse or neglect of a resident of a DCU may be reported to the Iowa Health Facilities Division Complaint Unit. Concerned individuals may file a complaint about the incident by phone at 877-686-0027, or fax the details to 515-281-7106. A report may also be made by mail to this address:
Iowa Department of Inspections and Appeals Health Facilities Division/Complaint Unit Lucas State Office Building - Third Floor 321 E. 12th Street Des Moines, IA 50319 - 0083
Seniors and their family members in Iowa have access to numerous organizations that offer support, information and guidance regarding dementia and memory loss.
|Alzheimer's Association Iowa Chapter||800-272-3900||The Greater Iowa Chapter of the Alzheimer’s Association provides an array of support services and educational resources for those living with dementia and their families. The Chapter also supports the AA’s research and fundraising efforts. Information about available local services and resources may be accessed through the organization’s 24-hour helpline.|
|Memory Cafes||At Memory Cafes, individuals living with dementia and their caregivers can socialize, engage in appropriate activities, exchange information and enjoy mutual support from other community members.|
|Area Agencies on Aging||Various Locations||The Iowa Department on Aging is in charge of the six Area Agencies on Aging in the state. Seniors can contact their local agency to find out about support groups in their area, services that may be of interest to them and long-term care options to suit their needs.|
|Saving Your Brain||This organization is sponsored by the Iowa Department of Public Health. Saving Your Brain provides interactive tools and educational materials to raise awareness regarding dementia and cognitive decline. Seniors can take an online quiz to see their level of cognitive impairment and learn about the steps they can take to improve or protect brain function. These steps are particularly useful for seniors at risk of memory loss and those in the early stages of dementia.|
|The University of Iowa Hospitals and Clinics Cognitive and Memory Disorders Department||319-356-2580||The University of Iowa Hospitals and Clinics provide evaluation and treatment programs for seniors with Alzheimer's. The clinics run educational programs to raise awareness regarding memory loss and explain the stages of cognitive decline. In addition, the university offers clinical research trials for eligible seniors.|
Note: The following information was compiled and most recently updated on 2/8/2022. Since COVID-19 is a rapidly evolving crisis, be sure to contact your Memory Care Facility or local Area Agency on Aging for the most up-to-date information.
|Am I allowed to visit my loved one in person?||Yes (Conditions Apply)|
|Is my loved one required to quarantine after I visit him or her?||No|
|Am I required to wear a mask if I visit my loved one in person?||Yes|
|Are visitors screened for elevated temperatures?||Yes|
|Are residents allowed to leave the facility at-will?||Yes|
|Are residents of senior living facilities who leave required to quarantine when they get back?||No (Conditions Apply)|
|Are staff members and contractors checked for elevated temperatures?||Yes|
|Are staff members and contractors tested for COVID-19?||Yes (Conditions Apply)|
|Do staff members have to regularly screen residents for COVID-19 symptoms?||Yes|
|Do staff members have to regularly check residents for elevated temperatures?||Yes|
|Do staff members have to regularly test residents for COVID-19?||Yes (Conditions Apply)|