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Assisted Living & Memory Care in Surprise, AZ

The question families ask most often when exploring assisted living is: “How much does it cost?” It’s a reasonable and important question — and the answer is more nuanced than a single number. Understanding the true cost of assisted living, what is included, and how to pay for it can make the process much less overwhelming.

Here is what you need to know about assisted living costs in Surprise, Arizona.

Average Assisted Living Costs in Arizona

According to the Genworth Cost of Care Survey, the average monthly cost of assisted living in Arizona is approximately $3,500 to $5,000 per month, depending on location, facility type, and level of care required. This is in line with — and in some cases below — the national median.

In the Surprise and West Phoenix metro area, monthly costs generally range from $3,000 to $6,500+ depending on the type of community (large institutional vs. boutique residential) and the specific services included.

What’s Typically Included in the Monthly Rate

Most assisted living communities charge a monthly all-inclusive rate that covers:

  • Personal care assistance (bathing, dressing, grooming)
  • Medication management
  • Scheduled transportation to appointments
  • Social activities and programming
  • 24/7 staff availability

At Solana Senior Living, our monthly rate is all-inclusive. Families receive a transparent, detailed breakdown of costs so there are no surprises — just the peace of mind of knowing exactly what is covered.

What May Not Be Included

Some communities charge separately for:

  • Higher levels of care as needs increase
  • Specialized memory care services
  • Personal care items (toiletries, medications)

How Families Pay for Assisted Living

Assisted living is primarily a private-pay expense, but there are several funding options worth exploring:

Long-Term Care Insurance

If your loved one purchased a long-term care insurance policy earlier in life, it may cover a significant portion of assisted living costs. Contact the insurer to understand the benefit amount, elimination period, and any restrictions.

VA Benefits

Veterans and surviving spouses may be eligible for the VA Aid & Attendance benefit, which can provide substantial monthly assistance for assisted living costs. Contact your local VA office or a VA-accredited benefits advisor to apply.

Personal Savings and Investments

Many families fund assisted living through a combination of Social Security income, retirement savings, and investment distributions.

Sale of the Family Home

For homeowners, the proceeds from selling a family home can fund years of quality care.

Medicaid

Arizona’s ALTCS (Arizona Long Term Care System) program can cover some assisted living costs for eligible individuals who meet financial and care-level criteria. Eligibility is income and asset-based. Contact the Arizona Division of Developmental Disabilities or AHCCCS for guidance.

Medicare

Standard Medicare does not cover assisted living. Some Medicare Advantage plans may offer limited home care or personal care benefits, but they typically do not cover room and board in an assisted living community. Review your plan carefully — the lowest-cost option for one’s specific needs may not be the bargain it appears.

Schedule a Tour and Get Your Questions Answered

We understand that the financial side of assisted living can feel complicated, and we are happy to walk through it with you. At Solana Senior Living in Surprise, AZ, we provide transparent pricing and can discuss what options may be available to help cover the cost of care.

Call us at (602) 769-9848 or visit solanasenior.com to schedule a tour. We’re available seven days a week and welcome all your questions — there is no pressure, just honest information to help your family make the best decision.