Get the Most Value at The Cabana at Jensen Dunes
When it comes to the cost of living in Port St. Lucie, our custom services and first-class amenities rival all other senior living communities in the area. That makes life at The Cabana at Jensen Dunes an exceptional value. Especially considering that we were voted the #1 assisted living community three years in a row.
Contents
- Contracts & Fee Structure
- What’s Included in the Monthly Fee?
- Wellness Package Services
- Understanding the Cost
- Understanding Your Financial Options
- Why Choose The Cabana at Jensen Dunes?
- Pricing FAQs
Contracts & Fee Structure
Our senior living community in Florida has a one-time fee of $2,500, followed by a monthly fee for assisted living which starts at $4,389. Additionally, there are five wellness package options based on individual abilities starting at $300 monthly. Memory care is all-inclusive and starts at $6,374.
We aim to make the cost of joining our community as transparent and affordable as possible, while still holding ourselves to the highest standard of care. A manageable monthly rental fee helps residents at The Cabana at Jensen Dunes maintain control over their budgets while receiving needed care and support. And with no large up-front fees, the cost of senior living in Port St. Lucie area is within budget.
What’s Included in the Monthly Fee?
At The Cabana at Jensen Dunes, we prioritize personal attention while creating a family-oriented atmosphere. For these reasons, The Cabana at Jensen Dunes is an affordable and high-quality option when it comes to Port St. Lucie and Stuart senior living.
Our custom services and first-class amenities include:
- All-day dining with chef-prepared, restaurant-style entrées
- Large outdoor entertainment space
- Pool with pool house, outdoor grill and TV
- Covered patio with outdoor dining
- Courtyards, gardens, putting green and Bocce ball court
- Art studio, library, game center and resident business center
- Fitness center
- Several event centers and lounges
- Beauty and barber salon with select spa services
- Pet-friendly community
- Private bathrooms with shower in all apartments
- Heating and air conditioning (individual controls in every apartment)
- Concierge services
- 24-hour security
- 24-hour health monitoring
- Housekeeping and personal laundry and linens
- Scheduled group transportation to social events and cultural programs
- Resources and support for family members including orientation sessions, educational seminars, sensitivity training seminars and family support groups
- All utilities, except phone, and all maintenance and repairs — including apartment home and appliances
- Cable and Wi-Fi
- Trash removal
- Property taxes
Wellness Package Services*
The Cabana at Jensen Dunes is designed to meet the needs of residents as they change. If the time comes for additional care or support, *services can be easily added and provided at the community. These services include:
- Medical management
- Personalized wellness programs
- Assistance with activities of daily living (dressing, personal care, etc.)
- Visiting physicians and home health providers on-site
- Rehabilitation services provided on-site by trusted agency partners
*Additional costs may apply based on wellness review or external services provided.
Understanding the Cost of Senior Living in Port St. Lucie
The cost of senior living in Port St. Lucie is an important factor for families and individuals. While the idea of “aging-in-place” is appealing to many, remaining at home can be just as expensive when you factor in ancillary costs compared to the all-inclusive pricing of community living.
That is why it is important to calculate both current monthly expenses as well as potential future monthly expenses when assessing whether a senior living community is right for you or a family member.
Costs of Aging-in-Place vs. Senior Living
Relatives who live in their own homes are responsible for:
- Monthly mortgage or rent
- Utilities
- Property taxes and homeowners’ insurance
- Groceries
- Healthcare
- Entertainment
- Travel expenses
When you add up all these expenses, the cost of senior living in Port St. Lucie may come out to the same price – or even result in savings. At The Cabana at Jensen Dunes, these costs are all conveniently rolled into one consistent monthly price. Not to mention you’ll get extra value through services that you otherwise wouldn’t be able to access by aging-in-place.
The Cost of Changing Care Needs
Additionally, as adults age, their needs change too. For older adults who are aging in place, these changes are often accompanied by new expenses related to care, home renovations and modifications. These adjustments can be costly, time-consuming and stressful for family members.
At a senior living community like The Cabana at Jensen Dunes, these stressors are avoided within our assisted living and memory care living community. The cost of senior living in Port St. Lucie conveniently bundles these expenses into one consistent monthly price.
Understanding Your Financial Options
There are several types of financial assistance that reduce the cost of senior living in Port St. Lucie. Some include federal or state programs, while others are related to loans, insurance, personal assets and organization assistance. Keep in mind that typically you’ll only qualify for financial assistance if you meet certain criteria.
Medicaid
In Florida, Medicaid is offered under the Statewide Medicaid Managed Care Long-Term Care program, or SMMC LTC. (It no longer offers the Medicaid Home and Community Based Services (HCBS) Waivers.) To be eligible for Medicaid, you must:
- Meet the income/financial guidelines
- Be a Florida resident
- Be 65 or older
- Require assisted living level of care (you’ll have an in-person exam to ensure you meet the requirement for that level of care)
Within Florida, Medicaid covers part of your daily living care needs and your room and board at the assisted living community. However, Medicaid does not cover your medical costs unless your high-level medical expenses exceed your income.
It’s important to note that Medicaid in Florida has an assistance limit, which caps the amount each person can receive. There are also application limits, which mean your name may appear on a waiting list. Many Florida senior living communities will not accept Medicaid so it’s important to ask.
Medicare
Keep in mind that Medicare doesn’t cover assisted living or any other type of long-term care.
Florida Optional State Supplementation
Another option is to apply for financial assistance under the Optional State Supplementation (OSS) program. This program operates under the Florida Department of Children & Families. Under OSS, you can receive $78.40 per month to put toward residential costs at an assisted living facility.
Be aware that you cannot receive both Medicaid and OSS funds. If you don’t qualify for Medicaid, consider applying for OSS at that point. Don’t apply for OSS before first determining whether you qualify for Medicaid, as Medicaid will typically provide greater financial assistance for assisted living services.
Assisted Living Loan
Through Elderlife Financial, you can apply for a short-term loan to ease the upfront costs of assisted living. This loan, called an Elderlife Bridge Loan, acts as a line of credit that you or your family can pay back over six, 12 or 18 months.
You can apply for this loan with up to six co-applicant family members. Elderlife Financial reviews credit scores and future funding sources when determining eligibility and can approve the loan in as few as 24 hours.
Veteran Aid & Attendance
The Veteran Aid & Attendance program is designed to assist veterans and widows of veterans with the costs of assisted living. To qualify, you must be 65 or older and have served honorably during wartime, along with meeting additional criteria.
Veterans can receive up to $1,900 per month or $2,260 per month if married. The wait time for the Aid & Attendance benefit can be as long as six to 12 months, much longer than the two to three months required for Medicaid.
Keep in mind that you aren’t eligible to receive both VA benefits and Medicaid at the same time, so prioritize which benefit you’d like to receive if you’re eligible for both.
Long-Term Care Insurance
Another option is to apply for long-term care insurance through a private insurance provider. Your annual premiums might reach $2,500 or more, which is considerable for those seeking assisted living care after retirement.
However, you’ll see some reduction in your overall residential costs, especially if you are not eligible for Medicaid and you are unable to receive other benefits.
Why Choose The Cabana at Jensen Dunes?
As a Florida senior living community with a focus on holistic wellness, we take great strides to ensure residents have a supportive lifestyle for an affordable price. The Cabana at Jensen Dunes provides all-inclusive assisted living starting at just $4,389 per month and memory care starting at $6,374.
Contact us to learn more about the pricing for senior living in Port St. Lucie. No matter your care needs, we pride ourselves on individual attention, a family-oriented atmosphere, custom services and first-class amenities that rival all other senior living communities in the Jensen Beach and Stuart areas. This makes life at The Cabana at Jensen Dunes an exceptional value.
How Much Does Assisted Living Cost in Port St. Lucie?
The cost of assisted living in Port St. Lucie, as well as nearby areas like Vero Beach and Sebastian, come in around $3,500 to $3,700 per month. Your costs will come from the services offered and the level of care the community provides. Some communities offer all-inclusive pricing, while others offer a-la-carte or fee-for-service pricing that may lower, or greatly increase, your costs as well.
Is The Cabana at Jensen Dunes More Expensive?
At The Cabana at Jensen Dunes, our all-inclusive pricing is on par with national and state averages, but we believe our community offers greater value.
Nationwide most people spend about $4,000 per month for assisted living and an additional $1,000 per month for memory care. In Florida, assisted living costs range between $3,000-$4,000 per month and average $4,200 per month for memory care.
Keep in mind that there is significant cost variability within Florida. Even within a particular region, each assisted living community may have a different cost based on the services and amenities offered. You may see higher monthly costs of $4,200 to $5,000 in areas like Tallahassee, Jacksonville and Panama City. Across Miami, Tampa and Orlando, your monthly costs might be closer to $3,300.
Does The Cabana at Jensen Dunes Charge an Entrance Fee?
No, we don’t require a large upfront entrance fee like other communities, most notably continuing care retirement communities. The Cabana at Jensen Dunes requires a community fee, which means you’ll be able to start your life at The Cabana on a sure financial footing.
Are There Alternative Financial Assistance Programs Available?
Yes, there are alternative financial assistance programs for assisted living services and senior living communities in Florida. You can reach out to organizations that help connect you with alternate funding sources using these two tools: Assistance Tool with Senior Living Advisor and Eldercare Financial Assistance Locator. Here you’ll find local organizations or financial aid sources in Florida or nationwide.