Private pay
Many people start by paying from savings, income, the sale of a home or family support. Ask each home for its written rates, what the base rate includes, what costs extra and how much notice it gives before a rate change.
WA Cares Fund
WA Cares is Washington's public long-term care insurance program. Benefits became available on July 1, 2026. In 2026 the full lifetime benefit is $36,500, and the amount is adjusted for inflation.
Benefits can be used for care in adult family homes, assisted living, memory care, nursing homes and at home. To qualify, a person generally must have contributed for a required number of years and need help with at least three activities of daily living. People born before 1968 may qualify for a partial benefit. Apply online or call 844-CARE4WA.
Medicaid long-term care
Washington's Medicaid program, Apple Health, can pay for long-term care at home and in adult family homes, assisted living and nursing homes. Eligibility depends on both finances and a functional assessment of care needs.
Not every home accepts Medicaid. If Medicaid may be needed now or later, ask each home whether it has a DSHS contract. To start, contact your local DSHS Home and Community Services office.
Veterans benefits
Veterans and surviving spouses who receive a VA pension may qualify for an added monthly payment called Aid and Attendance, for example when they need help with daily activities or live in a nursing home.
Long-term care insurance
If the person has a long-term care insurance policy, read it for the waiting period, the daily or monthly benefit and which settings it covers. The Office of the Insurance Commissioner can answer questions about policies and Washington's Long-Term Care Partnership Program.
What Medicare does not cover
Medicare does not pay for long-term custodial care, the everyday help most people in adult family homes and assisted living receive. It can cover a limited skilled nursing stay after a qualifying hospital stay. SHIBA, the state's Statewide Health Insurance Benefits Advisors, gives free, unbiased help with Medicare questions.
Common questions
Should we choose a home that accepts Medicaid?
If savings may run out, it is worth asking. A move later can be hard on the person. Ask whether a resident who starts as private pay can stay after qualifying for Medicaid.
Can Acuity tell us which program we qualify for?
No. Eligibility decisions belong to each program. We can help you prepare questions and point you to the right office. For financial or legal planning, talk with a qualified advisor.