Assisted living and nursing homes serve very different needs. Here's how to tell which one fits your family.
What's the main difference between assisted living and a nursing home?
The key difference is the level of medical care. Assisted living is for seniors who need help with daily activities, bathing, dressing, meals, and medication reminders, but who are generally medically stable and value independence. A nursing home (skilled nursing facility) provides around-the-clock medical and nursing care for people with serious illnesses, complex conditions, or who are recovering from surgery. Nursing homes have licensed nurses on staff at all times; assisted living focuses on supportive, non-medical care. Choosing the right level matters for both well-being and budget. A 1-800-MEDIGAP advisor can help you match needs to setting for free.
How do costs compare?
Nursing homes cost significantly more than assisted living. Genworth's 2026 data puts the median assisted living cost at about $5,900 per month, while a private room in a nursing home runs roughly $9,700 per month. Medicare may cover short-term, medically necessary nursing home stays after a qualifying hospital visit, but it does not cover long-term custodial care in either setting. Medicaid is the largest payer for long-term nursing home care for those who qualify. Because the cost gap is large, choosing the right level of care saves money and stress. Call 1-800-MEDIGAP to compare for free.