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Tennessee Senior Care is
Dedicated to Providing the Best and Most up to date information regarding assisted living, independent living and senior care in Tennessee.


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Connect with one of our Senior Living Advisors who specialize in Senior Living.

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We will send you a list of communities near your area of desire.

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Contact the communities of your choosing a schedule a tour or phone call.

Most related searches for Seniors in Tennessee. Click on the link below to help find the information youre looking for.

Tennessee Assistance Programs for Seniors

Tennessee Department of Aging and Disability Services

Senior Assistance Program $3,000

Elderly Service Department

Tennessee In-Home Support Services

Help for Low-Income Seniors In Tennessee

Free Services for Seniors in Tennessee

The Tennessee Department on Aging and Elder Services


is responsible for implementing programs and services for older Americans at the local level, as mandated by the federal Older Americans Act (OAA) amendment in 1973. Under this act, states were required to establish Area Agencies on Aging (AAAs) to cater to the needs of older adults within specific counties. These AAAs serve as local offices that administer elder service programs and provide information on available services and eligibility criteria. To determine the services and programs a senior may qualify for, it is advisable to contact the Area Agency on Aging office that serves their county. Some states have comprehensive websites offering statewide information, while others offer a county lookup feature on their websites to help locate the appropriate area office for senior services.

The services offered by Area Agencies on Aging encompass various aspects of senior well-being. These include assistance with senior benefit programs, such as social security and Medicare, as well as eligibility for low-income senior programs. Home and community services may be provided in certain states, offering part-time caregiving in seniors' homes. Additionally, Area Agencies on Aging offer transportation services, home-delivered meals, prescription drug programs, healthy aging programs, case management, caregiver training, senior activities, support groups, and opportunities for volunteering.

The Senior Health Insurance Program (SHIP) is a free counseling service available to seniors and pre-retirees nationwide. It is part of a federal network of State Health Insurance Assistance programs, and each state has its own SHIP. SHIP counselors can answer inquiries regarding Medicare, Medicare Supplement Insurance, Medicare Advantage, Medicaid, prescription coverage, and low-income assistance. Your local Area Agency on Aging will have information on SHIP, and they may provide SHIP counselors to deliver group presentations.

To find your local Area Agency on Aging office in Tennessee, you can visit the Tennessee Area Agencies on Aging website at Additionally, you can contact the State Senior Services Help Line at 800-669-1851 or reach out via email to In case of elder abuse concerns, there is an Elder Abuse Hotline available at 888-APS-TENN or 888-277-8366.

Paying for Assisted Living & Home Care in Tennessee


This webpage aims to support Tennessee residents in comprehending the expenses related to elder care, including assisted living, home care, and adult day care. It delves into various payment alternatives and programs that offer financial aid and care assistance, enabling seniors to age comfortably in residential care facilities or in their own homes. Additionally, the page covers payment options and highlights that while it focuses on programs provided by the state of Tennessee, there are national-level programs available as well. It emphasizes the significance of thoroughly researching all available options to find the most suitable program for individual situations.

Assisted Living / Memory Care in Tennessee

In Tennessee, based on Genworth's 2020 Cost of Care Survey, the average monthly cost of assisted living statewide in 2021 is $4,039. However, this average can vary significantly depending on the geographic location within the state. The more affordable areas for assisted living include Nashville-Davidson, Morristown, Johnson City, and Jackson, with monthly averages ranging from $3,435 to $3,750. On the other hand, the pricier areas are Kingsport, Cleveland, Memphis, and Chattanooga, where the average monthly cost exceeds the state average, ranging from $4,200 to $4,515. Moving to a region with lower assisted living rates could be a consideration for cost savings.

When it comes to Alzheimer's care, also known as Memory Care, the costs tend to be higher due to the increased level of care and safety measures required. On average, this type of care entails an additional monthly expense ranging from $858 to $1,128.

Home Care in Tennessee

In 2021, according to the 2020 Genworth Cost of Care Survey, the average hourly cost of home care in Tennessee is $20.50. The most affordable areas for home care include Knoxville, Memphis, and Jackson, where the average hourly rate ranges from $19.25 to $20.00. The areas of Kingsport, Johnson City, and Clarksville have hourly rates in line with the statewide average. On the other hand, Nashville-Davidson, Chattanooga, and Morristown are the most expensive areas, with an average rate of $22.00 per hour.

For individuals who require limited medical assistance at home, home health care services are also available at an average rate of approximately $0.50 more per hour statewide. However, there is an exception in the Cleveland area, where the cost of home health care is approximately $2.75 higher per hour compared to home care.

Adult Day Care in Tennessee

Based on Genworth's 2020 Cost of Care Survey, the average daily rate for adult day care in Tennessee in 2021 is $78, slightly higher than the national average of $74. The daily rate for adult day care shows minimal variation across the state, except for Johnson City, where the highest rate is approximately $95 per day. The most affordable areas for adult day care are Morristown, Memphis, and Knoxville, with daily rates ranging from $71 to $78. In Chattanooga, Cleveland, and Nashville-Davidson, the average cost is slightly above the statewide average, ranging from $80 to $83 per day.

Tennessee Medicaid Financial Assistance Programs

Medicaid, known as TennCare in Tennessee, is a healthcare program aimed at assisting individuals and families with low income to afford medical expenses. In Tennessee, TennCare provides limited personal care and covers the cost of residing in a nursing home for seniors and disabled individuals.

Medicaid also offers long-term care services for the elderly and disabled individuals in their homes and communities through Medicaid Waivers, commonly referred to as Home and Community Based Services (HCBS) Waivers. These waivers are designed to prevent or delay nursing home placements. Many seniors and disabled individuals prefer to age at home, which not only accommodates their preference but also reduces costs for the state of Tennessee.

As of 2021, Tennessee offers one Medicaid Waiver specifically for the elderly, known as the TennCare CHOICES in Long-Term Care Program or simply CHOICES. This program not only provides nursing home services but also assists seniors and disabled individuals who would require nursing home care if it weren't for the services offered through this waiver. The assistance may include personal care, homemaker services, meal delivery, respite care, adult day care, and home modifications. Some services can be self-directed, allowing participants to choose their own care, including hiring friends or select family members as personal care attendants. Eligible applicants can live in their own home, a relative's home, an adult foster care home, or an assisted living facility. For more information about this waiver and the eligibility criteria, please visit the provided link.

Note: The former Tennessee Waiver called the Elderly and Disabled Home and Community Based Services Waiver (E & D HCBS) has been replaced with CHOICES.

Tennessee Medicaid Eligibility

To be eligible for long-term care Medicaid in Tennessee, there are functional and financial requirements that must be fulfilled. As of 2021, for senior applicants, their income should not exceed 300% of the Federal Benefit Rate (FBR), which amounts to $2,382 per month or $28,584 per year. If an applicant exceeds the income limit, it is still possible to meet the restriction by utilizing an irrevocable Qualified Income Trust (QIT), also known as a Miller Trust.

The asset limit for an individual applicant is $2,000 in 2021. However, certain assets or resources are exempt from this limit. These exemptions include the applicant's primary residence, as long as they reside in it and their equity interest does not exceed $603,000, or if they are married and their non-applicant spouse lives in the home. Other exemptions include household furnishings, one automobile, and personal items like clothing. If an applicant exceeds the asset limit, they can still meet the restriction through options such as an irrevocable funeral trust. However, it is crucial not to transfer assets in an attempt to reach the limit, as this violates Medicaid's look-back rule (within 5 years of the Medicaid application) and can result in a period of Medicaid disqualification.

It's important to note that individuals who exceed the income and/or asset limits may still qualify for Medicaid. Seeking assistance from a professional Medicaid planner is recommended in such cases. They can provide guidance on restructuring finances to enhance the chances of acceptance into Medicaid, as navigating the application process can be complex. For married couples, it is particularly advisable to seek the help of a Medicaid planner to ensure proper understanding and assistance throughout the process.

Tennessee Pace Programs

The Program of All-Inclusive Care for the Elderly (PACE) is a collaborative initiative between Medicare and Medicaid that aims to provide comprehensive care and services to seniors in the community, rather than transitioning them to nursing homes for care. PACE eligibility criteria can vary across states due to the differences in Medicaid programs.

In Tennessee, older adults may qualify for PACE and access a range of medical and social services that enable them to continue living in the community instead of being institutionalized. These services include adult day care, dental services, emergency care, home care, hospital stays, meals, laboratory services, physical and occupational therapies, X-rays, optometry services, prescriptions, preventive care, respite care, transportation, and more. To be eligible for PACE in Tennessee, applicants must meet the following requirements:

  • Be 55 years of age or older

  • Require a nursing home level of care

  • Reside in Hamilton County

  • Demonstrate the ability to live safely in a community setting without compromising their health

These eligibility criteria ensure that individuals who need a higher level of care but can still be supported in a community environment can benefit from PACE services in Tennessee.



We have rented a one bedroom for 6-months, our stay has been pleasant. The staff and management were very helpful and the neighbors were friendly. Really nice place to stay I would recommend it to anyone. I want to personally give praise to the owner Chris Sharp every time we ask for help he was there to meet our needs. Good job Small Town Living❤️


Jan Crosslin


Love this place. Nice friendly people and clean apartments. Services available like meals and house keeping. Under new management and care is even better. Friendly staff and there to help with any needs. There’s nothing like knowing your family member is well taking care of.
Thank you small town staff.


Christy Davis

We have only been here a short time, but we are favorably impressed. Management and employees have been very responsive to our needs and requests. We can’t believe things they have done to be helpful. Neighbors seem very compatible. (Five stars, to us, would mean perfection and perfection in anything is seldom reached).


Russel Kent

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