Funding Assisted Living and Memory Care in Montana 2026 : A Quick Guide

Funding Assisted Living and Memory Care in Montana

In 2026, Montana’s assisted living averages $5,050 per month, with memory care typically adding $800–$1,200 depending on care needs. Families exploring Bozeman memory care, Bozeman assisted living, or Billings memory care often worry about how long their resources will realistically last.

Here are some useful ideas on how to fund it now or in future:

•  Personal Savings: Use Social Security ($1,900/month), 401(k), or pensions. Sell or rent your home (median price: $550,000) for funds.

•  Long-Term Care Insurance: Covers $150–$300/day if purchased early. Verify memory care coverage.

•  Home Equity: Reverse mortgages (age 62+) offer 50–60% of home value; no repayments until sold.

•  Veterans Benefits: Aid and Attendance provides up to $2,727/month (net worth limit: ~$159,240). Most communities offer a discount for Military as well.

•  Grants: Alzheimer’s Association Montana Chapter funds memory care.

Find the Right CommunityGraceful Transitions is a Montana-based senior living placement service helping families navigate Bozeman assisted living, memory care, and Billings memory care options that align with both care needs and budget.

Our guidance is always free, local, and personalized.