When families begin exploring senior care options, two of the first questions that usually come up are:
“How much does assisted living cost?” and “Will Medicaid cover any of it?”
These are important questions, and the answers can sometimes be confusing. Caring Arms Adult Family Homes in Kirkland is a trusted senior living community where we believe in offering clear, honest information to help families make confident decisions about care.
Let’s walk through the real costs of assisted living in Kirkland, what’s included, and how Medicaid fits into the equation.
The Real Cost of Assisted Living in Kirkland, WA
Assisted living costs can vary widely depending on location, level of care, and amenities. In Kirkland and surrounding areas of King County, the average cost typically ranges between $5,500 and $8,000 per month.
At Caring Arms, we offer high-quality, private assisted living in a peaceful residential setting at a flat monthly rate of $6,500. That includes everything your loved one needs to feel safe, supported, and cared for in a small, family-like home.
What’s Included in the Monthly Rate at Caring Arms?
Unlike larger facilities with a long list of additional charges, our transparent pricing keeps things simple. Here’s what’s included in your monthly rate:
- 24/7 personal care and supervision
- Medication assistance and monitoring
- Private bedroom in a cozy 6-bed home
- Homemade meals and snacks daily
- Daily living assistance (bathing, grooming, dressing, mobility)
- Social activities, games, and outings
- Laundry and housekeeping services
- Memory care for dementia and Alzheimer’s
- On-call medical professionals as needed
This level of care is especially important for those with complex needs, such as stroke recovery, Parkinson’s disease, or those transitioning into long-term care.
Does Medicare Cover Assisted Living in Kirkland
Here’s where things get a little tricky. Medicare does not typically pay for assisted living room and board, regardless of location. It’s designed to cover medical services, like hospital visits, outpatient therapy, or rehab, but not the residential costs associated with long-term care.
That means families are generally responsible for covering assisted living costs out-of-pocket, at least initially.
How Does Medicaid Help with Assisted Living Costs?
Medicaid can help with some of the costs related to assisted living in Washington, but there are limitations and eligibility requirements. Washington State’s Medicaid program offers coverage through Community First Choice (CFC) and other long-term services programs, but not all private homes accept Medicaid right away.
At Caring Arms in Kirkland, we operate on a private pay model for the first two years. After that, we work with families to transition into Medicaid coverage if they qualify.
This model allows your loved one to:
- Begin care right away in a stable, trusted home
- Receive personalized one-on-one care from day one
- Avoid long waitlists or placement delays
- Maintain continuity of care in a familiar environment
Why Start with Private Pay for Assisted Living
Starting with private pay gives families the flexibility to choose the environment, care level, and setting that best matches their loved one’s needs, without being limited by what Medicaid may or may not cover at the beginning.
At Caring Arms of Kirkland, this means:
- A smaller setting (only 6 residents)
- More attention per resident
- Personalized care plans
- A warm, home-like atmosphere that feels like family
We’ve seen firsthand how this model improves emotional and physical health outcomes, especially for seniors with conditions like dementia, Parkinson’s, or recovering from a stroke. Reach out to our team for inquiries or schedule a tour today.
Financial Planning Tips for Senior Care
Paying for assisted living can feel overwhelming at first, but many families are surprised to discover they have more resources and options than they thought. With a little planning and the right guidance, you can ensure your loved one receives the care they need without unnecessary stress or delay.
Here are some smart ways families manage assisted living costs:
1. Use Home Sale Proceeds or Rental Income
If your loved one owns a home, selling it or renting it out can be a great way to generate monthly income to cover care expenses.
- Selling the home can offer a lump sum to cover the first few years of care, including the two-year private pay period.
- Renting it out can provide steady income each month while keeping the property as a long-term asset.
👉 Note: Consider working with a local real estate agent or property manager to make the process smooth and stress-free for your family.
2. Tap Into Long-Term Care Insurance
Many seniors have long-term care (LTC) insurance policies they purchased years ago, but families may not realize it, or are not aware of it.
- These policies are specifically designed to help cover the cost of assisted living, memory care, or care for other conditions.
- Benefits can vary depending on the policy, so it’s important to review the terms and submit documentation early.
👉 Note: If you’re unsure whether your loved one has a policy or what it covers, we can help guide you through the paperwork.
3. Review VA Benefits (For Veterans and Their Spouses)
The VA Aid and Attendance benefit is a monthly payment that can help veterans or their surviving spouses pay for senior care services, including assisted living in Kirkland, Washington.
- It’s available to those who served during wartime and meet income or asset criteria.
- Many families don’t realize they qualify and end up missing out on valuable assistance.
👉 Tip: Reach out to your local VA office or ask our care team to connect you with a VA-accredited benefits counselor
4. Set Up a Financial Consultation with Our Care Team
At Caring Arms Adult Family Homes, we understand how confusing and emotional this process can be. That’s why we offer a free, no-obligation financial consultation to help families explore payment options, estimate long-term costs, and create a plan that works for them.
- We walk through your situation one-on-one
- Offer guidance on private pay, Medicaid timelines, and coverage
- Help avoid common financial mistakes that cause delays
👉 Tip: Families who plan early feel more confident and prepared even if they don’t need care immediately.
5. Plan Ahead for Medicaid Application at Year 2
Caring Arms operates on a two-year private pay model before we can accpet Medicaid, but we help you prepare for a smooth transition to Medicaid when the time comes. For some seniors over 94 years, we have accepted Medicaid just after 18 months of private pay.
- We can help you gather documentation, track expenses, and understand Washington’s Medicaid eligibility.
- Planning ahead helps avoid gaps in care and makes the approval process much easier.
👉 Kindly Note: If you think Medicaid may be part of your long-term plan, talk to us during your first tour and we’ll guide you every step of the way.
Planning for assisted living is a big step, but you don’t have to navigate it alone. Our team at Caring Arms Adult Family Homes is here to support you with honest advice, personalized guidance, and flexible options that put your loved one’s care first.
Why Choose Caring Arms in Kirkland, WA for Senior Living
Caring Arms Adult Family Homes is more than just a care facility. We’re a close-knit community that specialize in private assisted living for seniors in Kirkland and surrounding areas, offering:
- A calm, welcoming setting with only 6 residents
- 24/7 compassionate care from trained professionals
- Specialty care for memory loss, chronic illness, and mobility issues
- Activities and companionship that bring joy and dignity to everyday life
- Clear financial planning and flexible payment options
And our community has received some amazing 5 star reviews from rsidents & their families”
Caring Arms has been a life saver for my family and me. I cannot express how wonderful they have been for my Dad. We tried a bigger place, but it didn’t work and he needed a place more like a home. Caring Arms only has up to six adults at one time, so they take such great care of everyone. The food is home cooked and it’s always so clean. My Dad loves them so much there. Thank you for taking such good care of him when we couldn’t
Let’s Talk, We’re Here to Help
If you’re exploring assisted living options in Kirkland, we’re happy to talk, answer your questions, and even schedule a private tour of our home.
Visit our Assisted Living in Kirkland main page to learn more or, call us directly to speak with our care team.
Your loved one deserves more than care. They deserve Caring Arms.
We are located at:
11617 NE 139th St, Kirkland, WA 98034, United States
