The average nursing home costs $9,000–$10,500 per month for a semi-private room in 2025. Understanding what Medicare covers, when Medicaid kicks in, and what you’ll pay out of pocket is critical for planning long-term care.
2025 Average Nursing Home Costs by Room Type
| Room Type | National Median (Monthly) | National Median (Daily) |
|---|---|---|
| Semi-Private Room | $9,034 | $297 |
| Private Room | $10,646 | $350 |
Source: Genworth Cost of Care Survey 2024. Missouri costs are typically 10–15% below the national median.
Missouri Nursing Home Costs
Missouri nursing home costs are more affordable than the national average. In Jefferson County and the greater St. Louis area, expect:
- Semi-private room: $5,500–$7,500/month
- Private room: $6,500–$8,500/month
- Medicare co-pay days 21–100: ~$194.50/day (2025 standard)
Does Medicare Cover Nursing Home Care?
Medicare covers skilled nursing facility (SNF) care — not custodial (long-term) care. To qualify, you must have had a qualifying hospital stay of at least 3 consecutive days.
| Days in SNF | Medicare Pays | You Pay |
|---|---|---|
| Days 1–20 | 100% (after deductible) | $0 |
| Days 21–100 | All but $194.50/day | ~$194.50/day |
| Day 101+ | $0 | 100% (private pay or Medicaid) |
Complete Medicare nursing home coverage guide →
Does Medicaid Cover Nursing Home Care?
Medicaid covers long-term nursing home care for residents who meet financial eligibility requirements. Unlike Medicare, Medicaid covers custodial care indefinitely. In Missouri, Medicaid nursing home eligibility generally requires:
- Income below the Medicaid income limit (or a spend-down arrangement)
- Assets below $2,000 (with certain exclusions for a spouse’s home and assets)
- Medical necessity certification from a physician
Complete Medicaid nursing home coverage guide →
Other Ways to Pay for Nursing Home Care
- Long-Term Care Insurance: If purchased before the need arises, LTC insurance can cover $150–$250/day of nursing home costs
- Veterans Benefits: The VA Aid & Attendance benefit can provide $2,000–$2,800/month for eligible veterans
- Private Pay / Savings: Using retirement accounts, home equity, or family contributions
- Life Insurance Conversion: Some policies can be converted to pay for long-term care
Frequently Asked Questions About Nursing Home Costs
Q: Is $9,000/month typical for a nursing home?
A: Yes — the national median is about $9,000–$10,500/month for a semi-private room. Missouri is below average, typically $5,500–$7,500/month.
Q: What happens when Medicare runs out?
A: After 100 days, you must pay privately or qualify for Medicaid. Many families use private pay while spending down assets to Medicaid eligibility levels.
Q: Can a nursing home take your house?
A: Medicaid may pursue estate recovery after a recipient’s death, which can include the value of a home. A Medicaid planning attorney can help protect assets legally.
Need Help Navigating Nursing Home Costs?
A Place for Mom’s local advisors can explain costs and payment options specific to Jefferson County and the St. Louis area — free of charge to families.
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