Tools · Cost estimator
What will my parent’s monthly care actually cost out of pocket?
Enter the state, the care setting, your parent’s monthly income, and whether they’re married. We’ll show the rough monthly cost, what Medicaid would likely cover at their income level, and the out-of-pocket gap.
Available for all 50 states + DC. Six launch states (FL, CA, TX, NY, PA, AZ) carry editorially verified Genworth medians and Medicaid mechanics; the remaining 45 jurisdictions show a “pending verification” message rather than a fabricated number.
All 50 states + DC; figures verified for our six launch states
The level of care your parent needs
Social Security + pension + IRA distributions, before taxes
Estimate
Roughly $2,066/month out of pocket in Florida.
If your parent applies and is approved for Florida Medicaid long-term care, the state covers most of the nursing-home bill. They retain a small personal-needs allowance ($160/month); the rest of their income flows to the facility as "applied income."
Cost of care
$9,400
Published Genworth 2024 median for Florida. Metro variance can exceed this by 15-30% in higher-cost areas.
Likely covered
~$7,334
Medicaid pays the facility roughly $7,334; your parent's income covers the rest (after a $160 personal needs allowance and Part B premium carve-out).
Net out of pocket
$2,066
Cost of care minus likely Medicaid coverage. Real OOP depends on asset positioning.
What changes if…
- If your parent were married with a spouse at home, a Minimum Monthly Maintenance Needs Allowance (MMMNA) of up to $2,555 could be diverted to the spouse first, reducing the applied-income amount and increasing Medicaid's share.
- Costs vary by metro by 20-40% within a state. The figure here is the published Genworth state median; for a specific city, expect the upper-metro figure to run higher.
- Medicaid eligibility depends on assets, not just income. This estimator focuses on income; the asset side is at least as important and is the subject of most planning conversations.