As we get older, we start to consider our long-term care options. If you live alone or if routine tasks around the house (i.e, cleaning, cooking, bathing, laundry, driving, etc.) are starting to take a toll on your physical and mental wellness, you might be considering the advantages of moving to a senior living community. 

Retirement communities, like Sweetwater, offer residents a rich, carefree lifestyle that you have to experience first-hand to believe. Many of our communities offer independent living townhomes and apartments, assisted living apartments, and memory care apartments to ensure each individual has access to the long-term care and support they need to live life to its fullest potential. 

At Sweetwater, residents no longer need to worry about daily chores, being stuck at home, or not living near close friends to enjoy comfort and companionship. They are located right in the center of all the fun and adventure, and they get to choose how to spend their days with us. 

Though you may know all the amazing benefits of moving to a senior living community, one question may still be at the top of your mind: 

Does Medicare Cover Senior Living Costs?

Medicare, which is a type of federal health insurance that Americans 65 and older are eligible to receive, does not typically cover the expenses associated with independent, assisted, or other senior living services.

However, Medicare does typically cover a short-term stay in a skilled nursing or rehabilitation facility while an older adult is recovering from an illness or injury. It can also cover in-home rehab care performed by a home health nurse or therapist. 

With the first question answered, you may now be asking: 

What Is the Average Cost to Move to a Senior Living Facility?

According to, independent living communities generally have a monthly rate that could range from $1500-$6000/month, depending entirely on the community’s amenities, location, their healthcare support, etc. So, in order to get to the real number, it’s best to start the conversation with the retirement community of your choosing. 

At Sweetwater, our team is ready to answer your call! We’ll help you find the information and gain the confidence you need to make the right decision for you and your family.

We invite you to give us a call at (406) 534-0355 to learn more. We’ll discuss your financial options and help you discover all the incredible amenities our communities offer to keep you healthy, safe, and supported! If you’d like to take a sneak peek of our community today, check out our virtual tour page

How Do Seniors Pay for Independent Living?

Finally, after all is said and done, you might wonder how other seniors pay to live in a senior living community. 

As everyone’s financial situation is unique, there are many different options available to people over the age of 65, including: 

  • Long-Term Care Insurance
  • Military and VA Benefits
  • Life Insurance
  • Retirement Savings 
  • Reverse Mortgages

It’s best to speak with your financial advisor about your available options, or perhaps you’re already enrolled in a plan that will help you cover the costs of living in a retirement community. 

To learn more about the options you may have available to help you pay for living in a retirement community, read our article for helpful tips and information.

Connect with Sweetwater Today!

At Sweetwater, we understand that you and your family will have many questions about the financial components of moving to one of our communities, which is why we have our team on call and ready to walk you through your options! 

To learn how we can help, contact us today. We look forward to helping you feel empowered in taking the next step to a healthy, carefree retirement lifestyle!