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Choosing Between Two Communities

The questions that break a tie once the tours all start blurring together.

HomeComparisonsChoosing Between Two Communities
Short answer

When two communities both seem workable, compare the all-in cost at your parent's actual care level, the three-year rate increase history, overnight staffing (not daytime), both facilities' state inspection records, and whether either holds a Medicaid waiver provider agreement your family might eventually need.

This decision comes up often enough that we cover it in full, with a step-by-step comparison process, on its own page in our situations section rather than repeating it here.

See the full comparison walkthrough →

What to ask on a tour. Ask to see the state inspection report, the memory-care disclosure/certification if marketed, the all-in cost at your parent's care level, the three-year rate increase history, and the overnight staffing ratio. Read the full explanation →

Questions families ask

Does Medicaid pay for the full cost of assisted living in Minnesota?

No. Medical Assistance, through the Elderly Waiver, pays only for the care-services portion delivered inside a licensed assisted living facility, never the room-and-board charge. Minnesota does not have a broad state subsidy that covers private-pay room and board, though very-low-income residents in certain licensed settings may qualify for a separate, narrower Housing Support benefit to help offset it.

What are Minnesota's income and asset limits for nursing home Medical Assistance in 2026?

Minnesota is a '209(b) medically needy' state with no fixed income cap — income above the Medically Needy Income Limit (commonly cited around $1,305/month for an individual in 2026) must be spent down on medical or care costs each budget period. Countable assets are generally limited to around $3,000 for a single applicant and $6,000 for a couple both applying, though these specific dollar figures are third-party sourced and should be reconfirmed against DHS's Eligibility Policy Manual before relying on them for a specific case.

How much can a healthy spouse keep if their partner needs Medicaid-covered nursing home care in Minnesota?

Under Minnesota's Community Spouse Asset Allowance (Minn. Stat. 256B.059), a non-applicant spouse can generally protect between $32,532 and $162,660 in assets (2026 federal figures), plus a Minimum Monthly Maintenance Needs Allowance of income ranging from about $2,705 to $4,066.50 per month, depending on their own income and housing costs.

What is Minnesota's Medical Assistance Estate Recovery Program, and can the state take my parent's house?

Minnesota's Estate Recovery Program (MERP), under Minn. Stat. 256B.15, lets the state file a claim after a Medical Assistance recipient's death (and, if married, generally after the surviving spouse's death too) to recover what MA paid for long-term services and supports. Minnesota's program can reach beyond the probate estate to jointly held property, life estates, transfer-on-death deeds, and revocable trusts, so common probate-avoidance planning doesn't automatically shield a home.

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