Alabama Long Term Care Insurance

Nearly two-thirds of Alabama residents over age 65 will need long term care at home or through assisted living care, or care in an assisted living facilities or nursing homes. And while most people think of long term care as impacting only seniors, 40 percent of people currently receiving long term care service are in between the ages 18 to 64. Alabama has an estimated population of 4,599,030 with 14% over age 60 and increasing each year. Public resources will continue to be strained for the adult care.

This information is based on the 2010 Genworth Cost of Care Survey to help families evaluate their options and  help cover the growing cost of long term care in Alabama. For the seven years Genworth Financial surveyed the cost of long term care in Alabama and across the nation to help America plan for the potential cost of this type of care at their preferred location and setting. The survey was conducted by CareScout® and covers nearly 13,000 long term care service providers in 436 areas.

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NURSING HOME DAILY RATES (PRIVATE ROOM)

Region

Minimum Hourly Rate

Maximum Hourly Rate

Median Hourly Rate

Median Annual Rate

USA

$90

$876

$206

$75,190

Alabama - Whole State

$104

$281

$175

$63,875

Anniston - Oxford

$147

$191

$165

$60,225

Auburn - Opelika

$166

$178

$172

$62,853

Birmingham - Hoover

$155

$225

$170

$62,050

Decatur

$155

$195

$187

$68,266

Dothan

$178

$195

$191

$69,715

Florence - Muscle Shoals

$178

$198

$186

$67,890

Gadsden

$157

$180

$164

$59,678

Huntsville

$175

$212

$185

$67,525

Mobile

$139

$190

$173

$62,963

Montgomery

$160

$248

$174

$63,328

Tuscaloosa

$140

$183

$165

$60,225

AL - Rest of State

$104

$281

$169

$61,503

NURSING HOME DAILY RATES (SEMI-PRIVATE ROOM]

Region

Minimum Hourly Rate

Maximum Hourly Rate

Median Hourly Rate

Median Annual Rate

USA

$80

$870

$185

$67,525

Alabama - Whole State

$94

$204

$160

$58,400

Anniston - Oxford

$142

$183

$155

$56,575

Auburn - Opelika

$152

$170

$161

$58,736

Birmingham - Hoover

$155

$196

$160

$58,400

Decatur

$155

$180

$180

$65,627

Dothan

$167

$187

$184

$66,978

Florence - Muscle Shoals

$170

$183

$178

$64,970

Gadsden

$147

$170

$155

$56,575

Huntsville

$160

$190

$183

$66,660

Mobile

$132

$170

$160

$58,400

Montgomery

$150

$204

$163

$59,313

Tuscaloosa

$133

$158

$155

$56,575

AL - Rest of State

$94

$181

$154

$56,028

ASSISTED LIVING FACILITY MONTHLY RATES (ONE BEDROOM/SINGLE OCCUPANCY)

Region

Minimum Hourly Rate

Maximum Hourly Rate

Median Hourly Rate

Median Annual Rate

USA

$700

$11,550

$3,185

$38,220

Alabama - Whole State

$1,675

$5,175

$2,820

$33,840

Anniston - Oxford

$1,975

$4,770

$3,838

$46,050

Auburn - Opelika

$2,750

$3,500

$3,365

$40,374

Birmingham - Hoover

$2,425

$4,573

$3,125

$37,500

Decatur

$2,195

$3,238

$3,060

$36,720

Dothan

$1,675

$3,720

$1,968

$23,616

Florence - Muscle Shoals

$1,900

$3,395

$2,400

$28,800

Gadsden

$1,830

$2,948

$1,913

$22,950

Huntsville

$2,165

$5,175

$3,986

$47,835

Mobile

$2,338

$3,770

$3,275

$39,300

Montgomery

$2,250

$3,250

$2,820

$33,840

Tuscaloosa

$1,785

$3,300

$2,750

$33,000

AL - Rest of State

$1,915

$3,200

$2,110

$25,320

ADULT DAY CARE DAILY RATES

Region

Minimum Hourly Rate

Maximum Hourly Rate

Median Hourly Rate

Median Annual Rate

USA

$12

$202

$60

$15,600

Alabama - Whole State

$15

$58

$25

$6,500

Anniston - Oxford

N/A

N/A

N/A

N/A

Auburn - Opelika

$22

$22

$22

$5,720

Birmingham - Hoover

$25

$58

$33

$8,450

Decatur

N/A

N/A

N/A

N/A

Dothan

$24

$24

$24

$6,175

Florence - Muscle Shoals

N/A

N/A

N/A

N/A

Gadsden

N/A

N/A

N/A

N/A

Huntsville

$18

$18

$18

$4,680

Mobile

$20

$20

$20

$5,200

Montgomery

$24

$41

$32

$8,419

Tuscaloosa

$45

$45

$45

$11,700

AL - Rest of State

$15

$50

$33

$8,450

HOME HEALTH AIDE SERVICES HOURLY RATES (LICENSED)

Region

Minimum Hourly Rate

Maximum Hourly Rate

Median Hourly Rate

Median Annual Rate

USA

$12

$38

$19

$43,472

Alabama - Whole State

$13

$22

$15

$34,320

Anniston - Oxford

$15

$16

$16

$35,556

Auburn - Opelika

$15

$15

$15

$34,617

Birmingham - Hoover

$15

$22

$16

$36,608

Decatur

$14

$15

$15

$33,176

Dothan

$13

$15

$14

$30,888

Florence - Muscle Shoals

$14

$15

$14

$32,032

Gadsden

N/A

N/A

N/A

N/A

Huntsville

$14

$22

$15

$34,320

Mobile

$13

$21

$16

$36,608

Montgomery

$14

$20

$16

$36,608

Tuscaloosa

$15

$15

$15

$34,045

AL - Rest of State

$13

$16

$14

$31,460

HOMEMAKER SERVICES HOURLY RATES (LICENSED)

Region

Minimum Hourly Rate

Maximum Hourly Rate

Median Hourly Rate

Median Annual Rate

USA

$10

$38

$18

$41,184

Alabama - Whole State

$13

$22

$15

$34,320

Anniston - Oxford

$15

$16

$16

$35,556

Auburn - Opelika

$15

$15

$15

$34,617

Birmingham - Hoover

$15

$18

$16

$35,922

Decatur

$13

$15

$14

$32,032

Dothan

$13

$15

$14

$30,888

Florence - Muscle Shoals

$14

$14

$14

$32,032

Gadsden

N/A

N/A

N/A

N/A

Huntsville

$14

$22

$15

$34,320

Mobile

$13

$20

$16

$36,608

Montgomery

$14

$19

$16

$36,608

Tuscaloosa

$15

$15

$15

$34,045

AL - Rest of State

$13

$16

$14

$31,460

NOTES

  • Homemaker Services annual rates are based on 44 hours/week multiplied by 52 weeks.
  • Home Health Aide Services annual rates are based on 44 hours/week multiplied by 52 weeks.
  • Adult Day Health Care annual rates are based on 5 days/week multiplied by 52 weeks.
  • Assisted Living Facility annual rates are based on monthly rate multiplied by 12 months.
  • Nursing Home annual rates are based on daily rates, multiplied by 365 days.

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