Memory Care in Iowa | MemoryCare.com

Memory Care in Iowa

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.

The Cost of Memory Care in Iowa

When figuring out how to pay for memory care, you first need to understand how much it will cost for your loved one to move to a quality community. As costs continue to rise, it's vital to have the latest details when planning for elderly care costs. In order to shed light on the impact of inflation on senior living costs, MemoryCare.com has gathered cost information from its network of over 75,000 senior living communities. These prices are based on the cost of Memory Care in Iowa and 14 other cities in Iowa.

How Inflation Has Impacted the Cost of Memory Care in Iowa

Inflation has caused memory care costs to rise by $506 on average throughout the United States. Prices in Iowa increased by $538, with trends suggesting a further 6.5% rise in 2024. Surrounding states also experienced substantial cost increases, with prices in Illinois hitting $5,790 and Minnesota's average rising to $5,934. While costs jumped 7% in Nebraska, they could soar by an additional 15.5% in 2024. Missouri experienced a $130 increase in the price of memory care but could face another $357 jump in costs in 2024, so families should plan their finances accordingly.

Location2022 Cost (Historical)2023 Cost (Current)2024 Cost (Estimated)
Iowa$5,376$5,914$6,299
U.S. Average$4,863$5,369$5,792
Illinois$5,328$5,790$6,382
Missouri$5,372$5,502$5,859
Nebraska$5,594$5,997$6,914
Minnesota$5,742$5,934$6,749

Memory Care Costs in Iowa's Top Cities

The price of memory care varies widely, even among the most populated cities in Iowa. Davenport, for example, has an average cost of $5,400 for memory care, over $500 less than the state norm. However, care costs are higher than average in Cedar Rapids at $6,708 and Council Bluffs at $6,853. Des Moines, averaging $8,550, is one of Iowa's most expensive locations for seniors with memory loss.

The Cost of Other Types of Senior Living

Different types of care are available in Iowa, with prices reflecting the level of support provided. Memory care generally provides a higher staff-to-resident ratio, and communities employ caregivers with special training that helps them understand the needs of seniors with dementia, resulting in a high cost of $5,914. Assisted living provides less intensive and tailored care at $4,879, while independent living only costs $2,483 but offers minimal support and typically only recreational amenities.

Iowa Medicaid Programs 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. 

  • Who Is Eligible: To receive Medicaid coverage in Iowa, applicants must be 65 years or older and be U.S. citizens or legal residents. Seniors are required to reside in Iowa and meet certain financial and medical guidelines.
  • How To Apply: Seniors can apply through the online benefits portal or visit their local Department of Human Services office to apply in person. 

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.

  • Who Is Eligible: Applicants must be assessed as needing skilled nursing level care. Seniors are required to qualify for Medicaid before applying for the waiver.
  • How To Apply: Medicaid enrollees can contact Member Services at (800) 338-8366 to apply. Seniors who aren't currently covered by Medicaid must contact the Department of Human Services to apply for coverage and the waiver.

Medicaid Eligibility for Seniors in Iowa

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 sizeannual income limitsasset limits
Single Person$30,276$2,000
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:

  • Birth certificate
  • Proof of citizenship or legal resident status in the United States
  • Proof of current income
  • Proof of current address in Iowa
  • Bank statements for the past 60 months
  • Power of attorney
  • Title deed for any property owned and a recent professional property evaluation
  • Copies of burial arrangements
  • Insurance policies

How To Get Help Applying for Medicaid in Iowa

Services are available in Iowa to assist seniors and their families in the Medicaid application process.

resourcecontactdescription
Department of Human Services800-338-8366The 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 PortalOnline InformationThe DHS Services Portal is a website that provides step-by-step guidance through the Medicaid application process.
Iowa Department on AgingVarious LocationsThe Iowa Department on Aging operates six Area Agencies on Aging. Seniors can contact their local agency to be guided through the application process.

Can You Use Medicare To Pay for Memory Care in Iowa?

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.

More Ways To Pay for Memory Care in Iowa

In addition to the state programs mentioned above, those looking for resources to finance memory care may consider:

  • Long-Term Care Insurance: Depending on the policy details, long-term care insurance may be used to pay for memory care services. It's best to sign up for a policy early, as coverage will likely be denied if one already has long-term care needs. More information about the intricacies of long-term care insurance can be found at longtermcare.acl.gov.
  • Reverse Mortgages: Reverse mortgages allow some homeowners to take out a loan as an advance from the eventual sale of their primary residence. This can be a good way to fund memory care in the short-term, but the loans will need to be paid back after the sale of the home. The most commonly used type of reverse mortgages for seniors is the Home Equity Conversion Mortgage, which is the only reverse mortgage insured by the federal government.
  • Veterans Benefits: The Department of Veterans Affairs offers several programs that veterans and their spouses may use to cover health care needs such as memory care. More information about these programs can be found on the VA website.
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Memory Care Laws and Regulations in Iowa

Memory Care Regulation

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:

  • Policies
  • Staffing plan
  • Admission and discharge guidelines
  • Safety procedures
  • Service plan

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.

Facility Scope of Care

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.

Admissions Requirements

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

Seniors with:

  • Alzheimer's and related dementia disorders
  • Stable chronic illnesses
  • Intellectual, developmental or physical disabilities
  • Mental health conditions
  • Controlled behavioral issues
  • A terminal illness and in need of temporary hospice care

Residents Who May NOT Be Admitted

Individuals who:

  • Require full-time medical care
  • Are bedbound
  • Need two-person assistance with transferring, standing or evacuating
  • Have routine unmanageable incontinence
  • Are medically unstable
  • Require assistance with all ADLs
  • Pose a danger to others or themselves
  • Require drug or alcohol rehabilitation
  • Suffer from uncontrolled mental illness

Care Plan Requirements

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.

Medication Management Requirements

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.

Facility Requirements

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.

Staffing Requirements

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.

Medicaid Policy

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.

Reporting Abuse

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

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Free and Low-Cost Resources for Seniors in Iowa

In Iowa, there is an abundance of resources designed to assist seniors throughout their retirement. MemoryCare.com has compiled information on a range of local organizations, programs, and agencies, categorizing them based on the care services they offer for easy browsing.

Area Agency on Aging

The Area Agency on Aging in Iowa is a crucial asset for retired individuals, providing advice on financial assistance, home-based care, and planning for extended care. It also connects seniors and their caregivers with local resources.

program-namephone-numberdescription
Iowa Department on Aging866-468-7887The six Area Agencies on Aging in Iowa provide valuable support services to improve the lives of older adults. These agencies connect seniors with local transportation, nutritional programs, community support groups, and other forms of assistance. Low-income seniors can access cost-saving programs such as home weatherization, heating and cooling bill support, and medical care assistance. AAAs also play a crucial role in advocating for senior wellness by addressing suspected Medicare fraud or abuse.

Cash Assistance Programs

Financial assistance initiatives exist in Iowa to help seniors with low income sustain their home living. These initiatives provide tax reductions, discounts on crucial services, and aid for home temperature regulation costs.

program-namephone-numberdescription
Iowa Lifeline Program800-234-9473The LifeLine Program offers discounted telephone service, enabling participants to stay connected with their loved ones through landline or mobile phones.

Financial Assistance for Senior Care and Senior Living

Elderly individuals in Iowa, living independently or in elderly care homes, can avail of numerous local financial support opportunities. These aid options help reduce in-home or long-term care costs and connect them to valuable community resources.

program-namephone-numberdescription
Iowa Home and Community-Based Services (HCBS) Elderly Waiver800-338-8366The HCBS Elderly Waiver provides financial support to seniors who can comfortably remain in their homes or assisted living communities. An assessment determines the level of assistance, covering expenses such as assisted living, adult day care, home health aides, emergency response systems, and home-delivered meals.

Food Assistance Programs

In Iowa, numerous community programs focus on enhancing the health of seniors via proper diet. These initiatives provide meal delivery, shared meals, and food bank services, guaranteeing that older citizens can obtain reasonably priced, healthy food.

program-namephone-numberdescription
Iowa Department on Aging Meal Services866-468-7887The Iowa Department on Aging provides meal services and nutrition resources for seniors in Iowa. These services focus on health, well-being, and socialization, and are open to individuals aged 60 and above. The department partners with local food establishments through The Iowa Cafe program for efficient service. Registered dietitians offer nutrition counseling, and educational resources are available to promote healthy eating habits.
Iowa Meals on WheelsIowa Meals on Wheels offers convenient, hot meal delivery to seniors aged 60+ and military veterans. Our committed volunteers provide nutritious, ready-to-eat meals Monday to Friday, with three menu options. Eligible seniors facing challenges with shopping or cooking can receive free meals. For those who don't meet income guidelines, meals are available for purchase.
Iowa Supplemental Nutrition Assistance Program (SNAP)800-972-2017The Iowa Supplemental Nutrition Program offers food benefits to seniors in need of financial assistance for purchasing food. Seniors can easily apply online through the Health and Human Services website. SNAP helps seniors stretch their food budgets and include healthier options in their diets.

Free Used Medical Equipment

In Iowa, several organizations are tackling the high cost of new medical devices. They collect lightly used equipment such as wheelchairs, ramps, and walkers, distributing them to local elderly and those requiring assistance.

program-namephone-numberdescription
Iowa Assistive Technology Program866-866-8782The Iowa Assistive Technology Exchange Program manages the availability of DME for loan at a nominal charge, without any time restrictions. It serves as a platform connecting seniors in Iowa with providers offering equipment for loan or sale. This program facilitates the connection between seniors and available equipment across the state.
Iowa Habitat for Humanity Quad Cities Restore563-349-7339Explore a wide selection of affordable, top-notch medical equipment at Habitat for Humanity Quad Cities Restore. Our inventory features both new and gently used items, all thoroughly examined for safety. With a commitment to accessibility, we offer a diverse range of options to suit your requirements. Rest easy knowing you're investing in reliable equipment at a fraction of the price. Visit us now and enhance your healthcare experience
Iowa Exceptional Persons, Inc.319-232-6671EPI offers seniors the chance to borrow a variety of pre-owned medical equipment, such as crutches, walkers, bath chairs, and commodes. These items are available for any length of time, and there is no charge involved.

Home Repair and Modifications

In Iowa, a variety of programs exist to support seniors and those with disabilities in funding home improvements and repairs. These initiatives, providing grants or loans, feature different eligibility criteria tailored for retired individuals.

program-namephone-numberdescription
Iowa Section 502 Direct Loan Program515-284-4663The U.S. Department of Agriculture website provides a program that offers grants of up to $10,000 to older adults. These grants aim to address health and safety hazards on their property. Seniors can easily verify their home's eligibility for the program on the website.

In Iowa, there are several organizations offering cost-effective or free legal aid to senior citizens. They provide advice on issues such as estate planning, living wills, and power of attorney. Some also champion the rights of the elderly in long-term care establishments.

program-namephone-numberdescription
Iowa Public Guardians515-725-3333The Office of the Public Guardian in Iowa offers support to seniors who are unable to make their own legal, financial, or health care decisions. Eligibility for these services is based on financial need and the absence of a suitable family member or responsible individual to act on their behalf.
Iowa Office of the State Long-Term Care Ombudsman (OSLTCO)641-420-9850The Long-Term Care Ombudsman is a state-funded advocate for seniors in residential care communities. They address complaints from residents, families, and third parties, collaborating with care providers to resolve issues. Their services are free and also include providing families with inspection reports comparing memory care communities.

Senior Centers

In Iowa, elderly individuals find a community hub in senior centers, offering a range of recreational pursuits, events, and essential resources. These centers also provide health programs, dietary advice, and support for issues related to senior living.

program-namephone-numberdescription
Iowa Care Planning Council800-989-8137The Iowa Care Planning Council, a division of the National Care Planning Council, provides seniors with valuable resources. Find information on financing memory care services, including reverse mortgage loans, veterans' benefits, and long-term care insurance. Access an updated directory of memory care facilities in Iowa. Rely on the council for comprehensive guidance on issues impacting older adults.

Senior Engagement

In Iowa, numerous initiatives are in place to keep seniors involved and energetic. These encompass health programs, opportunities for volunteer work, and supportive communities, all designed to promote social participation and improve the quality of life.

program-namephone-numberdescription
Alzheimer's Association Greater Iowa Chapter515-440-2722The Greater Iowa Chapter of the Alzheimer's Association provides localized support for seniors experiencing cognitive decline and families caring for loved ones with dementia. This includes support groups led by trained association members, offering a platform for seniors with Alzheimer's to connect with others and caregivers to find strength in the Waterloo community. Care consultations are also available, assisting families in developing care plans for life with Alzheimer's.
Iowa 211211211 Iowa, a program by United Way, provides a confidential and free information and referral service. It connects seniors and caregivers with community resources. Trained experts are available round the clock to offer personalized assistance and guide individuals to appropriate services.

Social Security Offices

In Iowa, Social Security offices are crucial resources for the elderly and those with disabilities. They provide advice on retirement perks, disability benefits, and additional security income.

program-namephone-numberdescription
Iowa Social SecuritySocial Security offers financial support to retirees and those unable to work due to disability. It is funded through payroll taxes paid by employers, employees, and self-employed individuals. Monthly payments during retirement are based on past earnings.

Tax Assistance

In Iowa, a variety of tax assistance options exist for seniors and people with disabilities. These encompass possible medical cost exemptions, property tax cuts, and other tax alleviation measures.

program-namephone-numberdescription
Iowa Homestead Tax Credit and Exemption800-367-3388Seniors aged 65 and above who meet certain financial criteria can benefit from tax relief under Iowa's Homestead tax laws. Renters among the elderly may also qualify for rent reimbursement.

Utility & Energy Bill Assistance

In Iowa, there are establishments ready to assist seniors with limited income facing challenges with home upkeep expenses, such as energy and utility bills. Emergency financial support might be available for individuals threatened with utility disconnection due to outstanding payments.

program-namephone-numberdescription
Iowa Low Income Home Energy Assistance Program (LIHEAP)515-242-5655The Low Income Home Energy Assistance Program (LIHEAP) provides financial aid to low-income seniors for their home energy costs. This federally funded program offers a one-time payment to assist with residential heating utility bills.

Veteran's Services

In Iowa, retired military personnel can find essential support through local veteran services. These organizations help veterans access their deserved benefits and offer advice on a variety of issues.

program-namephone-numberdescription
Iowa VA Benefits and Health CareIowa VA Benefits and Health Care offers vital care and benefits to senior veterans in Iowa. Our services include health care, pensions, disability benefits, and housing assistance. Eligibility requires service records and Iowa residency. We also provide dignified burials to honor Iowa's senior veterans.

Iowa COVID-19 Rules for Memory Care Facilities

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.

questionanswer
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)
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