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Florence’s population growth has outpaced the United States average by almost double, and it’s growing five times faster than the main city in the greater metropolitan area, Cincinnati, Ohio. The state is considered tax-friendly for seniors — no tax on Social Security Income and a 0% marginal state tax rate, among other positives — and homeowners in Florence can receive further exemptions at age 65 and above. Medicare acceptance is high among local doctors and specialists, and they’ve been practicing longer than average for the state.
Seniors who require regular help with critical daily tasks such as eating, bathing and taking medication often turn to assisted living communities as a long-term care solution. According to Genworth Financial’s 2021 Cost of Care Survey, the average monthly cost of assisted living in Florence is $4,666, which is slightly higher than the U.S. average but significantly higher than the Kentucky average.
In this guide to assisted living in the Florence area, you’ll find a comparison of assisted living costs throughout Kentucky and a directory of free support programs that can help you enjoy your retirement years more fully.
Hundreds of thousands of American seniors utilize assisted living, a figure that is only growing. For these seniors, assisted living combines residential housing,assistance in daily activities, and some healthcare. These communities also strive to provide an atmosphere that is comfortable and engaging for their residents… Read More >
COVID-19 restrictions and rules for Assisted Living Facilities are typically set by the state – to see the rules in your state, you can read our guide to Assisted Living in Kentucky. Keep in mind that there may be other policies that communities put in place to protect their residents, so you should contact your local community for more information. Additionally, you can contact your local Area Agency on Aging to learn more – find contact information here.
According to Genworth’s 2021 Cost of Care Survey, the median monthly cost of assisted living in Florence is $4,666.
Across the U.S., the average monthly price of assisted living is $4,500, just $166 lower than Florence’s cost. However, the average monthly price across Kentucky is $3,448, roughly $1,200 lower than Florence’s cost.
In Lexington, where seniors pay $4,568 monthly for assisted living care, prices are within $100 of Florence’s. However, all other reporting Kentucky cities are at least $1,000 cheaper than Florence, including Bowling Green and Louisville/Jefferson County at $3,500 and Elizabethtown at $3,225. The least expensive reporting Kentucky city is Owensboro, which, at $3,088, is $1,578 cheaper than Florence every month.
NOTE: Data for Florence was unavailable, so data for the nearest city, Cincinnati, Ohio, was used instead.
Since not everyone can afford to pay for assisted living out-of-pocket, it’s important to find alternative methods to help make assisted living more affordable. Some of these options include:
For more information about your options for making assisted living more affordable, visit our guide to Assisted Living in Kentucky.
| Contact | Description | |
| Aging and Disability Resource Center | (859) 692-2480 | Northern Kentucky Area Development District works with local, state and federal agencies and service providers to help the senior population in Florence. This center is also the Area Agency on Aging for Boone County, which makes it a good first step in finding information and services at the local level. Staff can assist with Medicare, provide assessments for components of the Medicaid HCB waiver and make connections with other public-funded services. All services are free for eligible residents. |
| Boone County Veterans Affairs | See website for local contacts | The Kentucky Department of Veterans Affairs has multiple offices throughout the county, which is located in the District 9 service area. Seniors and their eligible dependents can get help applying for state and federal VA benefits and other services, such as counseling and admittance to veterans homes. Staff members are fully accredited by the VA and employed by the state to provide these services at no cost to veterans. |
| Northern Kentucky Community Action Commission | (859) 586-9250 | NKCAC operates eight neighborhood centers in the region, including the Boone County center located in Florence. Residents with low to moderate income are connected with information and services from government programs, private businesses and social organizations. Popular services include case management, finance and debt counseling, referral services and general information at the county level. |
| Legal Aid of the Bluegrass | (859) 431-8200 | Seniors and other vulnerable groups in Florence can receive free legal assistance and education from Legal Aid of the Bluegrass. The team of attorneys can provide direct representation in civil matters and make referrals to other relevant services. LABG also has a long-term care ombudsman who investigates allegations of elder abuse in assisted living facilities and elsewhere in the community. |
| Health Insurance and Benefits Counseling | (877) 293-7447 (option #2) | The State Health Insurance Assistance Program (SHIP) is a free service of the Department of Aging and Independent Living. Seniors and people with disabilities in Florence can receive one-on-one counseling and information on health insurance and benefits by phone or in person. SHIP also works in conjunction with the Department for Public Health to help connect residents with prescription discount programs from pharmacies, drug manufacturers and other sources. |
Assisted Living Facilities in the Florence area are required to follow a set of rules and regulations that are determined at the state level. For an overview of those rules and regulations, see the information below. For more specific information, talk with your local community or Area Agency on Aging.
