Toledo, Ohio, is in the northwestern part of the state, near scenic Lake Eerie. It has a reputation for being senior friendly and an affordable city for retirement. Although it’s great for seniors on a budget, this city in the Buckeye State is far from boring. Seniors can take advantage of both the beautiful parks and all the amenities you’d expect to find in a large city.
A Place for Mom partners with several assisted living communities in Toledo. Assisted living offers seniors the opportunity to live as independently as possible while they receive assistance with their activities of daily living (ADLs), meals, and transportation.
This guide highlights important information on the assisted living market in Toledo. You’ll find proprietary information on our partner communities in the area, what they offer, and common ways families pay for assisted living. We also share facility reviews from real families as well as several local resources for seniors, including health care benefit programs, hospitals, and activities.
My mother was in Sunset Village almost 2 years in the Overmyer Wing. When my mother first arrived one of the staff said your mother is our mother. It is the most loving and caring place I have ever seen. The...
The staff is professional and very friendly, and the location of the community is very nice. The community is well kept and buetiful. I would definitely recommend this community to others
We developed a proprietary recommendation system that orders Toledo community options based on factors we know are important to seniors and their families:
We collect proprietary data from our network of 14,000+ senior living communities in the U.S., with regular refreshes of data and information
We have 387,000+ reviews from senior living residents and family members that provide first-hand accounts about senior living communities
The average rent for Toledo assisted living is $4,643 per month, according to A Place for Mom’s 2022-2023 proprietary cost data.[01] In Toledo, assisted living communities typically include several other costs in the monthly bill. Things like transportation, meals, some activities, and on-site amenities are often included in this cost. Each community will differ in their pay structures. You may find that some services incur additional fees.
Within A Place for Mom’s partner assisted living communities, the following services and amenities are usually included in the monthly base cost:
Our partner assisted living communities in Toledo also offer the following kinds of services and amenities, but they may require an additional fee:
Use the following chart to compare the baseline costs of assisted living communities across the greater Toledo area. Keep in mind that these amounts don’t include any additional care fees or add-on services.
It’s typical for seniors and their families to use several types of payment methods to cover the cost of assisted living expenses in Toledo. Common payment options for senior care include retirement income, savings accounts, and private or public health care insurance. Here you’ll find information on various ways to use private pay sources to fund assisted living, plus information on how public health insurance programs can help offset care costs. We provide senior resources in Toledo for veterans benefits, Medicare, and Medicaid programs that help Toledo seniors cover some assisted living expenses.
Private pay is where most families and their senior loved ones begin when deciding how to pay for long-term care. Many assets could be put toward long-term assisted living. In addition to retirement savings in a 401(k) or IRA, seniors also use retirement income, such as pensions or Social Security benefits, to pay for long-term assisted living costs.
Additionally, if your loved one has an existing long-term care insurance policy, they may be able to use it to pay for some of the care costs in assisted living. Each policy may differ slightly on what’s covered and how long a senior may need to wait before they can start claiming benefits. So it’s important to review your loved one’s policy carefully. Life insurance policies might also be surrendered or sold to free up cash, depending on the policy.
Depending on your loved one’s circumstances, they may have several of the following options available to help them free up private funds for assisted living:
Number of veterans who currently live in Toledo.
Current percentage of Toledo veterans who are 65 or older.
If your loved one is a veteran or the surviving spouse of a veteran, they may be eligible for benefits that can help offset the cost of assisted living in Toledo. One of the most generous benefits is the Aid and Attendance benefit, which can be added to an existing VA Pension. Senior veterans or their spouses can put these funds toward anything that will improve their quality of life, including assisted living.
When considering veterans benefits, it’s important to work with a benefits counselor, usually found through a local veterans service organization (VSO). VSOs are trustworthy nonprofit organizations that have been vetted by the VA. Benefits counselors can help your loved one navigate the application process. They’ll consider your loved one’s eligibility based on disability and service history to help them receive all of their eligible benefits. Some VSO offices may be able to help your loved one appeal a previously denied claim.
Toledo has several VSOs that you may reach out to on behalf of your loved one, which are included in the resources section below. Use the contact information provided to connect to organizations like the Veterans of Foreign Wars (VFW), American Legion, Disabled American Veterans (DAV), and Vietnam Veterans of America (VVA).
Resources for Toledo veterans
Lucas County Veterans Service Office
2595 Arlington Blvd., 2nd Floor
Toledo, OH 43614
Phone: 419-213-6090
2020 West Alexis
Toledo, OH 43620
Phone: 419-471-0587
Email: Post587@outlook.com
Medicaid is insurance for low-income individuals. It’s jointly funded by federal and state governments. Ohio Medicaid can’t be used to cover the cost of room and board in an assisted living community, but it will cover the cost of care services, which can help offset the costs of assisted living.
The types of health care services Medicaid might cover include:[03]
Additionally, Toledo residents can take advantage of several Medicaid waivers that enable them to receive care services exclusively in their private home or assisted living community. These waivers enable Medicaid to cover many assisted living care services on-site in a home or community.
Some of those waiver programs are outlined here.
One of the most notable waiver programs is known as PASSPORT. This waiver program allows eligible seniors to receive long-term services and supports in a private assisted living community rather than in a nursing home. After an eligibility screening, a case manager can work with your senior loved one to coordinate the following types of services in the senior’s home:[04]
To be eligible for PASSPORT, seniors must be at least 60 years old and require a nursing home level of care. They also need to meet the following financial requirements:[05]
Seniors can find more information and apply at their local Area Office on Aging.
The Assisted Living Waiver Program is another option for eligible seniors to remain in a private assisted living community. The program pays for the cost of care services for Medicaid beneficiaries in an assisted living community, meaning that seniors will only pay for the cost of room and board.[06]
Covered assisted living services include:
To be eligible, seniors need to meet the following requirements:[06]
Seniors can apply through their local Area Office on Aging.
If your loved one is blind or disabled, they may qualify for Aged, Blind, or Disabled (ABD) Medicaid program, which covers similar care services in a private home or community environment. To be eligible, seniors must meet at least one of the following requirements:[07]
Below you’ll find information for several local resources that can help you understand and access the Medicaid programs in Toledo.
Toledo resident Medicaid resources
Area Office on Aging of Northwestern Ohio, Inc
2155 Arlington Ave.
Toledo, OH 43609
Phone: 1-800-472-7277
Medicare is federal health insurance, and it’s the most common insurer for anyone 65 or older. While many seniors and their families may expect Medicare to cover the cost of assisted living, unfortunately it doesn’t. Medicare only covers medically necessary costs, which are determined by you loved one’s doctor and Medicare. That may include medically necessary care on-site at an assisted living community, but it won’t cover the cost of room and board for Toledo assisted living communities. If you’re unsure whether a care expense is covered, you can look it up using the Medicare coverage tool.
Ohio does offer a Medicare savings plan, known as the Medicare Premium Assistance Program (MPAP). Within MPAP, there are four types of assistance that can help Toledo seniors pay for their Medicare Parts A and B expenses. It depends on your loved one’s income, but MPAP may help seniors pay for the following:[08]
If your loved one would benefit from information counseling, you may want to reach out to The Ohio Senior Health Insurance Information Program (SHIP). This free resource connects you to counselors who can help you understand your loved one’s coverage. Additional assistance to help understand Medicare benefits can be found on the Medicare website. And, specifically, your local long-term care ombudsman can help you access care services as a Medicare beneficiary in an assisted living facility.
Toledo resident Medicare resources
Area Office on Aging of Northwestern Ohio, Inc
2155 Arlington Ave.
Toledo, OH 43609
Phone: 1-800-472-7277
Find a Social Security Office in Toledo
433 N. Summit St., Suite 100
Toledo, OH 43604
Phone: 1-866-331-2196
Hours: Monday through Friday, 9 a.m. – 4 p.m.
In Ohio, assisted living facilities are licensed by the Ohio Department of Health as residential care facilities.
Assisted living communities are required to renew their license annually. The Ohio Department of Health performs at least one inspection of each facility every nine to 15 months. At that time, inspectors check to make sure the community is operating in accordance with staffing and service regulations.[09] We’ve highlighted some of those regulation requirements in this section.
Assisted living communities licensed as residential care facilities in Toledo should meet the following requirements:[09]
For a full list of rules and regulations, look to Ohio’s Legislative Service Commission’s administrative code for residential care facilities.
Seniors and families in Toledo can also look up an assisted living community’s licensing status using the Ohio Health Care Provider Search Tool. Simply choose “Residential Care or Assisted Living” from the provider type menu and search for the community by name.
Phone: 614-466-3543
While Toledo doesn’t have any COVID-19 regulations in place for assisted living communities, Ohio does offer COVID-19 resources for assisted living settings. Ohio also has general cleanliness standards for public facilities to help reduce the risk of illness. These general cleanliness standards include the following:[10]
Toledo is one of the most affordable cities for seniors, and boasts a large population of adults over 65. A welcoming atmosphere coupled with access to scenic views of Lake Erie and the Maumee River make it a tranquil place for seniors to retire.
Read on and find more information on what our partner assisted living communities in Toledo offer, including their types of on-site care services, activities, and amenities.
The majority of our partner assisted living communities in Toledo offer more than one type of care. This means if your loved one’s care needs change, there’s a good chance they can continue to live in their current community. Facilities with multiple levels of care on campus make aging in place a reality for many people — those trying to avoid the hassle and stress that moving can bring. The most common care combination found in our partner Toledo communities is assisted living and memory care.
Assisted living communities that offer on-site memory care have a secure area or wing of the community just for residents living with more advanced dementia. Typically, this makes it easier won’t have to move to an entirely new community. They can still visit their friends from assisted living at large community gatherings.
A small number of our partner assisted living communities offer an even wider range of care types on one campus, like independent living on top of assisted living and memory care.
Independent living is a good option for seniors ready to say goodbye to home maintenance and live in a community of their peers. Independent living communities typically offer convenient services and amenities to make daily life easier and more fun for residents. Once seniors need some assistance with activities of daily living, they may transition to the assisted living wing. And, with a secure memory care area on-site, residents will have another smooth, comfortable transition should they ever experience memory loss.
The majority of our partner assisted living communities in Toledo offer on-site nursing care services. This makes it easy for residents to receive a wide range of home health care services within the community, like the following:
With Toledo being one of the most affordable cities to retire in, our partner communities in this area seldom offer especially luxe amenities. However, residents can take advantage of a wide variety of on-site activities and events. For instance, the majority of our partner communities offer the following types of activities right on-site:
Residents can also take advantage of several amenities available throughout the community at any time. Across our partner communities, these are the most common amenities you can find on-site:
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Since Toledo has a relatively large senior population, it’s not surprising to find a strong record of geriatric health care in the area. Find out more about Toledo’s top hospitals in this section.
This hospital ranks highly in several areas that may be especially important to the senior population. It’s ranked number eight in Ohio and number one in the city of Toledo, according to U.S. News and World Report.
U.S. News and World Reports ranks this hospital as high performing in the areas of heart failure and stroke, both of which are known to affect the older population.
Seniors are more than welcome to drive themselves as long as they maintain a license. However, they can also take advantage of the transportation services provided by our partner assisted living communities. Over 89% of our partner Toledo assisted living communities offer either complimentary transportation or transportation services at cost.[01]
Toledo’s main form of public transportation is TARTA (Toledo Area Regional Transit Authority). Seniors are eligible for a reduced fare of 75 cents as long as they present a TARTA reduced fare ID. Directions on how to get this card can be found on the TARTA fares and passes page. If your loved one would have trouble taking the bus, TARTA offers senior friendly options through their mobility management program.
Some neighborhoods in Toledo are easier for seniors to navigate on foot than others. The following scores from Walk Score can help you better understand all of the transportation options available to Toledo seniors. The scores are each out of a possible 100 points, where a higher score indicates an easier availability to walk or bike. These scores are based on public density, the area infrastructure, and available walk and bike routes.[12]
Toledo offers a wealth of attractions for senior citizens to enjoy, whether that’s seeing a local theater production or spending time outdoors. We highlight just a few of the attractions in the area that your senior loved one may enjoy.
StoryPoint Waterville, Elderly Solutions and The Waterford at Levis Commons are the top-rated Assisted Living facilities near Toledo, OH. These Assisted Living facilities received the highest rankings based on verified family reviews. See full list of communities.
The average cost of Assisted Living in Toledo is $4,226 per month. This cost may vary based on location, amenities, floorplan, level of care and other factors.
A Place for Mom. (2022). A Place for Mom proprietary data.
United States Census Bureau. (2021). Veteran status (S2101): Toledo. [Data set]. American Community Survey.
Ohio Department of Medicaid. Services.
Ohio Department of Aging. PASSPORT.
Ohio Department of Aging. PASSPORT eligibility.
Ohio Department of Aging. Assisted living.
Ohio Department of Medicaid. Aged, blind, or disabled (ABD) Medicaid.
Ohio Department of Insurance. Medicare savings programs.
Legislative Service Commission. (2018, March 1). Ohio Administrative Code: Chapter 3701-16: Residential Care Facility.
Legislative Service Commission. (2018, March 1). Ohio Administrative Code: Chapter 3701-16-15: Building maintenance, equipment, and supplies.
United States Census Bureau. (2021). Population 65 years and over in the United States (S0103): Toledo. [Data set]. American Community Survey.
Walk Score. (2023). Living in Toledo.
Ask an A Place for Mom local advisor at no cost.
A Place for Mom. (2022). A Place for Mom proprietary data.
United States Census Bureau. (2021). Veteran status (S2101): Toledo. [Data set]. American Community Survey.
Ohio Department of Medicaid. Services.
Ohio Department of Aging. PASSPORT.
Ohio Department of Aging. PASSPORT eligibility.
Ohio Department of Aging. Assisted living.
Ohio Department of Medicaid. Aged, blind, or disabled (ABD) Medicaid.
Ohio Department of Insurance. Medicare savings programs.
Legislative Service Commission. (2018, March 1). Ohio Administrative Code: Chapter 3701-16: Residential Care Facility.
Legislative Service Commission. (2018, March 1). Ohio Administrative Code: Chapter 3701-16-15: Building maintenance, equipment, and supplies.
United States Census Bureau. (2021). Population 65 years and over in the United States (S0103): Toledo. [Data set]. American Community Survey.
Walk Score. (2023). Living in Toledo.