The Wisconsin Medicaid answer, verified
Yes - Wisconsin's two Medicaid long-term care programs, Family Care (through a managed care organization) and IRIS (self-directed), pay for assisted living SERVICES but not room and board, which "are the responsibility of the program members who must pay these costs out of pocket"; Family Care members may live in a licensed CBRF, a licensed or certified adult family home, or a certified RCAC, while IRIS members may only use their own home, a licensed/certified AFH or a certified RCAC (CBRFs and registered RCACs are not allowable IRIS settings). Here is what that means in practice for Westfield families - eligibility, what waivers cover, and what stays out of pocket.
Assisted living near Westfield compares against a national median of $6,200 a month - and Wisconsin's own median of $6,540, ranked #19 of 50 states.
A semi-private nursing home room runs $9,581 a month at the 2025 national median - the number Westfield families weighing skilled care start from.
In-home care averages $35 an hour nationally - about $80,080 a year at 44 hours a week for Westfield households.
The honest Wisconsin answer, verified against official sources: Yes - Wisconsin's two Medicaid long-term care programs, Family Care (through a managed care organization) and IRIS (self-directed), pay for assisted living SERVICES but not room and board, which "are the responsibility of the program members who must pay these costs out of pocket"; Family Care members may live in a licensed CBRF, a licensed or certified adult family home, or a certified RCAC, while IRIS members may only use their own home, a licensed/certified AFH or a certified RCAC (CBRFs and registered RCACs are not allowable IRIS settings). Eligibility is strict - income and asset limits apply, and there is typically a five-year look-back on gifts and transfers - so families planning a Medicaid path should talk to an elder law attorney early.
Yes - Wisconsin's two Medicaid long-term care programs, Family Care (through a managed care organization) and IRIS (self-directed), pay for assisted living SERVICES but not room and board, which "are the responsibility of the program members who must pay these costs out of pocket"; Family Care members may live in a licensed CBRF, a licensed or certified adult family home, or a certified RCAC, while IRIS members may only use their own home, a licensed/certified AFH or a certified RCAC (CBRFs and registered RCACs are not allowable IRIS settings). Whatever your state covers, one rule is nearly universal: waivers pay for care services, and the family still handles living costs - so a Medicaid path still needs a budget.
The 2026 numbers
| Care type | 2025 national median | What it covers |
|---|---|---|
| In-home care | $35/hour | Non-medical help at home - meals, bathing, companionship |
| Adult day care | $95/day | Daytime supervision and activities, evenings at home |
| Assisted living | $6,200/month | Housing plus daily-living help; care-level fees extra |
| Memory care | typically 20-40% above assisted living | Secured dementia care with higher staffing |
| Nursing home (semi-private) | $9,581/month | 24/7 skilled medical care |
| Nursing home (private room) | $355/day | Same care, private room |
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Wisconsin: Medicaid, prices and the inspection file
| Question | Wisconsin answer |
|---|---|
| Medicaid & assisted living | Yes - Wisconsin's two Medicaid long-term care programs, Family Care (through a managed care organization) and IRIS (self-directed), pay for assisted living SERVICES but not room and board, which "are the responsibility of the program members who must pay these costs out of pocket"; Family Care members may live in a licensed CBRF, a licensed or certified adult family home, or a certified RCAC, while IRIS members may only use their own home, a licensed/certified AFH or a certified RCAC (CBRFs and registered RCACs are not allowable IRIS settings). |
| State median, assisted living | $6,540/month (#19 of 50 states) |
| Licensing & inspection records | Wisconsin Department of Health Services (DHS), Division of Quality Assurance (DQA) |
Wisconsin has no license category called "assisted living facility" - DQA licenses Community-Based Residential Facilities (CBRFs, 5+ residents, up to 3 hours of nursing care per week) and 3-4 bed Adult Family Homes, certifies 1-2 bed Adult Family Homes, and registers or certifies Residential Care Apartment Complexes (RCACs, independent apartments, max 28 hours/week of services); crucially, a merely REGISTERED RCAC may serve private-pay tenants only, so Medicaid dollars cannot follow a resident there - only a CERTIFIED RCAC can take Medicaid waiver funding.
This guide is research, not advice: an independent summary of published costs and state rules. It is not a care provider, placement agency, law firm or financial advisor - care and Medicaid decisions deserve professional advice for your family's situation.
What this means for Westfield families
A fair comparison prices the whole picture: home care hours plus home maintenance, transport, and the family hours nobody bills. Communities bundle those in - which is why the sticker comparison understates what assisted living replaces.
This guide is research, not advice: an independent summary of published costs and state rules. It is not a care provider, placement agency, law firm or financial advisor - care and Medicaid decisions deserve professional advice for your family's situation.
Common questions
How much does in-home care cost?
About $35 an hour at the 2025 national median - roughly $80,000 a year at 44 hours a week. Since the 2025 survey, non-medical caregivers are tracked as a single category, so quotes for 'homemaker' versus 'home health aide' services should no longer differ much for non-medical help.
Does long-term care insurance actually help?
If your parent bought a policy years ago, yes - claim it early, as most policies have elimination periods before benefits start. Buying new coverage in one's 80s is generally not realistic. Check old files: policies bought decades ago are routinely forgotten and unclaimed.
What is the difference between assisted living and a nursing home?
Assisted living provides housing plus help with daily activities - meals, medication, bathing - at a median $6,200 a month. Nursing homes provide 24/7 skilled medical care at a median $9,581 a month for a semi-private room. The dividing line is medical need: wound care, feeding tubes and ventilators are nursing-home territory.
Does Medicaid pay for assisted living?
It depends entirely on your state: 36 states cover some assisted living services through waivers, 9 cover them in limited settings, and 6 have no assisted living pathway at all. Even where covered, waivers typically pay for care services while the family handles room and board. This guide's Medicaid page gives your state's verified answer.
What fees do communities add on top of rent?
Care-level fees (assessed need tiers that can add $500-1,500+ monthly), medication management, and one-time community or move-in fees are the big three. Always compare communities on the all-in monthly number at your parent's assessed level - base rent alone is a marketing figure.
Find senior care options near Westfield
These platforms show communities and home-care agencies near you with pricing guidance. Advisors are free to families - providers pay them, as they do this site.
Disclosure: this is an independent guide. If you connect with a provider through a link here, the platform may pay this site a referral fee. That fee never changes your price - and it never changes what the inspection records say.
Prices in nearby cities
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