South Dakota has an estimated 18,000 seniors diagnosed with Alzheimer's as of 2020 and an expected increase of 11.1% coming in the next 5 years. The Alzheimer's Association facts and figures for 2022 show South Dakota as having the highest death rate in the nation for this disease with almost 500 fatalities per year. This represents a staggering increase of 176.5% in Alzheimer's deaths since 2000.
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 South Dakota, financial assistance options for paying for memory care, free memory care resources in the state, and a directory of memory care facilities in South Dakota.
Table of Contents
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.
We've accounted for these increased costs by adding 25% to the average prices for assisted living as reported in the Genworth Financial 2021 Cost of Care Survey. South Dakota is one of the more affordable parts of the country for memory care. The state's monthly average of $4,188 represents potential savings of $1,437 per month compared to the national average. North Dakota residents pay an average of $51 per month more than their southern counterparts. Nebraska, Iowa and Minnesota each have significantly higher costs, with increases of around $900-$1,500 per month over South Dakota.
Sioux Falls is the most affordable of the two cities surveyed in South Dakota, with costs that are $550 below average for the state. Rapid City's average of $4,893 per month for memory care is significantly higher than Sioux Falls and the state overall. Up north in Bismarck, the cost of care is about $500 higher than the South Dakota average.
Medicaid in South Dakota doesn't directly cover memory care services, as is the case in the majority of states. The state program covers a wide range of services and items that are typically more useful for seniors in nursing homes or independent living environments, as opposed to people in community-based memory care programs. The HOPE Waiver provides somewhat of a workaround for this, however, by granting coverage for services received in memory care and other previously uncovered environments.
HOPE Waiver Program
This program gives eligible residents coverage for various services collectively referred to as Long-Term Care Medicaid or Home and Community-Based Services. Individuals who are eligible for the HOPE Waiver can receive Medicaid-funded services in a wider range of living arrangements. Most importantly for those seeking memory care, the HOPE Waiver allows Medicaid coverage of these services when provided in community-based environments, such as a typical assisted facility or standalone memory care unit.
The maximum allowable income for senior Medicaid recipients in South Dakota is 300% of the SSI Standard Benefit Amount — sometimes referred to as the Federal Benefit Rate and Federal Poverty Level — which calculates to $30,276 per year as of 2022. The asset limit is $2,000 for a single applicant and $3,000 for a couple if both people are applying for services. The rules become much more complicated in the case of a couple with one person applying for long-term care while their spouse remains in the family home or elsewhere in the community. As such, applicants with this particular living arrangement should contact staff at the resources outlined below in order to determine eligibility.
2022 Medicaid Income Limits for Seniors in South Dakota
|family size||annual income limits||asset limits|
|Two-Person Household (Single Applicant)||$30,276||$2,000 (limit for non-applicant spouse may be raised up to $137,400)|
|Two-Person Household (Dual Applicants)||$60,552||$3,000|
Throughout the application process, applicants may be asked to prove certain facts, such as their identity, financial status, medical diagnosis or other relevant points. Requests for specific documents and information are sent to the applicant as the process moves along, and in many cases the state may be able to verify many of the details automatically for applicants who have applied for various other government programs.
South Dakota residents without Medicaid coverage via the state plan should first start there, and the DSS may be the more useful contact in this case. Medicaid recipients who wish to apply for waiver services, including coverage of memory care, should instead contact the LTSS division. Medicare beneficiaries and people who expect to enroll soon can also contact the SHIINE program.
|DSS Medicaid Eligibility Helpline||605-773-4678||The South Dakota Department of Social Services operates this helpline specifically for queries about Medicaid eligibility.|
|Division of Long Term Services and Supports||605-773-3656||LTSS is a division of the South Dakota Department of Human Services. Its primary role is managing Medicaid services provided in home and community-based settings, including the HOPE Waiver.|
|Senior Health Information and Insurance Education||605-494-0219||SHIINE is a free service for Medicare beneficiaries in South Dakota who have questions or need advice, which may extend to Medicaid itself as it can be used to offset some Medicare costs. This is the telephone number for the Central district. Eastern and Western district contacts are available on the website.|
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 South Dakota, personal care and memory care services are provided in assisted living facilities, also known as assisted living centers. ALCs are licensed by the South Dakota Department of Health’s Office of Health Facilities. To serve individuals with dementia or other specific conditions, facilities must obtain further certifications. Facilities may have secured units designed to enhance the safety and functionality of residents with dementia, with staff specifically trained to meet their needs. The department inspects each facility annually, with the first inspection taking place prior to licensing.
Each facility must assess and document the needs of new residents when they’re admitted into the facility, after 30 days of residency and on an annual basis going forward. Assessment measurements must be approved by the department, and the facility must also inform residents of the services the department permits it to provide.
Assisted living facilities must provide residents with individualized care that includes access to facilitated activities, outlets for their spiritual needs and physician services. Skilled nursing and rehabilitation services may be provided for no more than eight hours per day or 28 hours per week.
Residents may also receive services delivered on-site by third party providers, such as hospice agencies certified by Medicare. All third party providers must also adhere to the facility’s policies.
While South Dakota’s assisted living centers may admit the majority of individuals in need of memory care, state regulations also require facilities to deny admission to certain individuals. The table below lists the types of individuals centers may accept or deny.
Residents Who May Be Admitted
Older adults and people who:
Residents Who May NOT Be Admitted
Care plans must include therapeutic programming for residents with dementia.
ALCs that accept individuals who require medication administration must employ a licensed nurse to oversee and record the condition of these residents on a weekly or more frequent basis. Staff who are not licensed must undergo medication administration training on an ongoing and annual basis.
Secured memory care units must be on the ground level and provide residents with access to a secure outdoor area. Throughout the assisted living center, private units must provide at least 120 square feet of living space, apart from the bathroom and closets. Two-bed rooms must provide at least 200 square feet of living space, and sleeping rooms in suites must offer a minimum of 100 square feet. In older facilities, up to four residents may share a bathroom, but in new facilities, each room must have direct access to its own bathroom.
All facilities must employ a licensed administrator who has at least a high school diploma to manage and oversee the facility. To become an administrator, an employee must complete specialized certification training and a subsequent evaluation within one year.
ALCs must provide a minimum of 0.8 hours of direct care per resident during a 24-hour period, and there must be at least one awake staff member on duty at all times. Facilities that accept residents who require therapeutic diets must employ a registered dietitian.
Secured dementia care units in assisted living facilities must have at least one caregiving staff member present at all times. All staff in the unit must have received specialized dementia care training. Additionally, all AFC staff must receive ongoing training on residents’ rights and safety, nutritional and hydration needs, confidentiality, infection control and other relevant topics.
Assisted living facilities may accept funding from the state through the Medicaid Home and Community-Based Options and Person Centered Excellence (HOPE) Waiver to help residents cover the cost of care services.
Individuals who would like to file a complaint against an assisted living center or memory care provider should contact the South Dakota Department of Health by sending an email to DOHOLCcomplaint@state.sd.us, or calling 605-367-7499 or 605-367-4640. Anyone who files a complaint will remain anonymous.
Help and useful information is available from the following sources by phone, online or in person and is provided at no cost to seniors. Official and up-to-date resource directories for South Dakota are also included, which offer a quick way to connect with specific services and/or locations in the state.
|South Dakota Alzheimer's Association||800-272-3900||As a nationwide nonprofit with a local presence in South Dakota, the Alzheimer's Association can be a useful resource for those diagnosed and their family. Support groups are held regularly, along with information sessions and the 24/7 helpline.|
|Dakota at Home||1-833-663-9673||Dakota at Home is a state government resource with knowledgeable staff who can advise residents of appropriate and local options ranging from help at home to assisted living, memory care and nursing homes. State residents of any age who need help with current and future care needs can get honest advice, answers and assistance at no cost.|
|South Dakota Aging and Disability Resource Center||The ADRC is a free and trustworthy portal that allows anyone to search for service providers and places to seek help in their local area of South Dakota.|
|Long-Term Care Ombudsman Program||1-866-854-5465||The LTCO program helps to resolve disputes between residents and long-term care facilities. Ombudsmen can also investigate agencies and providers beyond the facility when necessary. Reports are confidential.|
|South Dakota 211||211||Also known as the Helpline Center, this service can be reached simply by dialing 211. It's designed as a go-to source of answers and information for South Dakota residents who don't know where else to ask. The website also has a large directory of assistance programs searchable by zip.|
Note: The following information was compiled and most recently updated on 2/13/2022. 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)|