The Delaware Medicaid answer, verified
Yes - Delaware covers assisted living services through Diamond State Health Plan-Plus (DSHP-Plus), the managed long-term services and supports component of Delaware's Diamond State Health Plan Section 1115 demonstration, for members who meet a nursing-facility level of care; Medicaid pays only the care and service component, and Delaware's Medicaid manual (DSSM 20700.5.6) states that 'If the recipient resides in an assisted living facility, the waiver provider may not bill Medicaid for room and board.' Here is what that means in practice for Wilmington families - eligibility, what waivers cover, and what stays out of pocket.
Assisted living near Wilmington compares against a national median of $6,200 a month - and Delaware's own median of $7,600, ranked #11 of 50 states.
A semi-private nursing home room runs $9,581 a month at the 2025 national median - the number Wilmington 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 Wilmington households.
Medicaid is the payer of last resort for long-term care, and whether it helps with assisted living depends entirely on your state. Yes - Delaware covers assisted living services through Diamond State Health Plan-Plus (DSHP-Plus), the managed long-term services and supports component of Delaware's Diamond State Health Plan Section 1115 demonstration, for members who meet a nursing-facility level of care; Medicaid pays only the care and service component, and Delaware's Medicaid manual (DSSM 20700.5.6) states that 'If the recipient resides in an assisted living facility, the waiver provider may not bill Medicaid for room and board.' Nursing home care is covered in every state for those who qualify financially - assisted living is the state-by-state question.
The honest Delaware answer, verified against official sources: Yes - Delaware covers assisted living services through Diamond State Health Plan-Plus (DSHP-Plus), the managed long-term services and supports component of Delaware's Diamond State Health Plan Section 1115 demonstration, for members who meet a nursing-facility level of care; Medicaid pays only the care and service component, and Delaware's Medicaid manual (DSSM 20700.5.6) states that 'If the recipient resides in an assisted living facility, the waiver provider may not bill Medicaid for room and board.' 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.
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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Delaware: Medicaid, prices and the inspection file
| Question | Delaware answer |
|---|---|
| Medicaid & assisted living | Yes - Delaware covers assisted living services through Diamond State Health Plan-Plus (DSHP-Plus), the managed long-term services and supports component of Delaware's Diamond State Health Plan Section 1115 demonstration, for members who meet a nursing-facility level of care; Medicaid pays only the care and service component, and Delaware's Medicaid manual (DSSM 20700.5.6) states that 'If the recipient resides in an assisted living facility, the waiver provider may not bill Medicaid for room and board.' |
| State median, assisted living | $7,600/month (#11 of 50 states) |
| Licensing & inspection records | Delaware Department of Health and Social Services, Division of Health Care Quality (DHCQ) - formerly the Division of Long Term Care Residents Protection |
Delaware reserves the words 'assisted living': under 16 Del. Admin. Code 3225 sec. 2.0, 'The term "assisted living" shall not be used as part of the official name of any facility in this State unless the facility has been so licensed by the Department of Health and Social Services' - so in Delaware the name itself is a licensing signal.
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 Wilmington 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
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.
Can a facility evict my parent?
Yes - discharge policies allow it for reasons like funds running out, care needs exceeding what the license covers, or behavior issues. Read the discharge clause before signing and get the funds-run-out answer in writing; involuntary moves are the outcome families regret most.
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 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.
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.
Find senior care options near Wilmington
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.
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