Understanding the Cost Structure at Concordia Village
Concordia Village, an EverTrue Life Plan Community in Springfield, IL, offers a tiered system of care, and its pricing reflects these distinct service levels. Unlike a single-price retirement home, a CCRC (Continuing Care Retirement Community) provides a full continuum of care on one campus, from independent living to assisted living, memory care, and a skilled nursing care center. This means the financial commitment differs based on the type of housing and level of support needed.
Independent Living Costs
For those entering the independent living program, the costs are structured differently than for other care levels. Based on historical data, prospective residents paid a one-time, potentially refundable entrance fee. While past figures showed entrance fees ranging from $146,850 to $285,000, current pricing should be confirmed directly with Concordia Village, as these numbers are subject to change over time. Following the entrance fee, a monthly fee is charged, which covers housing, dining, and other amenities. This model ensures future access to a higher level of care if it becomes necessary.
Key components often included in the independent living monthly fee are:
- Maintenance-free housing and grounds upkeep
- Some dining services, often with restaurant-style options
- A variety of community activities, social programs, and entertainment
- Use of on-site amenities like a fitness center, library, and other communal spaces
- Emergency response systems
Assisted Living Expenses
For assisted living, the costs are primarily monthly, reflecting the more comprehensive care included. For Springfield, IL, the median cost for assisted living is approximately $6,500 a month, though prices vary significantly between facilities and based on the level of assistance required. While specific 2025 pricing for Concordia Village's assisted living was not publicly disclosed in recent reports, sources indicate overall costs in the community have a wide range. The monthly cost for assisted living at Concordia Village typically includes:
- Personal care assistance (bathing, dressing, grooming)
- 24/7 supervision and emergency help
- Medication management
- All meals and snacks
- Housekeeping and laundry services
- Engaging social and recreational activities
Memory Care Pricing
Memory care is typically the most specialized and expensive form of long-term senior living. In Springfield, IL, the median memory care cost was recently reported at $5,537 per month. Costs are higher than standard assisted living due to the specialized staffing, secure environment, and tailored programming required for residents with Alzheimer's or other forms of dementia. Prices will fluctuate based on the specific services and care level needed for the resident. The monthly fee for memory care includes all services offered in assisted living, plus the following specialized care:
- Secured community to prevent wandering
- Higher staff-to-resident ratio
- Specialized activities and therapies designed for memory loss
- Individualized care plans and oversight
Comparison of Care Levels and Potential Costs
| Care Level | Payment Structure | Typical Cost Components | Monthly Price Range (Estimate) |
|---|---|---|---|
| Independent Living | One-time entrance fee + monthly fee | Housing, dining, maintenance, utilities, amenities | Varies, but monthly can be approximately $2,000-$3,000+ |
| Assisted Living | Monthly fee | Personal care, meals, housekeeping, activities, 24/7 staff | Approximately $4,500-$6,500+ |
| Memory Care | Monthly fee | Specialized dementia care, secure environment, higher staffing | Approximately $5,500+ |
| Skilled Nursing | Monthly fee (often insurance-covered) | 24/7 medical care, rehabilitation, therapy | Pricing varies significantly based on length of stay and insurance |
It is important to note that the monthly figures for assisted living and memory care are estimates for the Springfield area and may not reflect specific Concordia Village pricing. Prospective residents should contact EverTrue Concordia Village directly for the most current and accurate pricing for their particular situation.
The Importance of a Life Plan Community
As a Continuing Care Retirement Community (CCRC), or Life Plan Community, EverTrue Concordia Village's structure offers a significant benefit: the ability to transition between levels of care without relocating. This provides peace of mind for residents and their families, knowing that evolving health needs can be met within the familiar community. A CCRC simplifies a family's long-term care planning, a factor that can outweigh the initial upfront cost for many.
Conclusion
The financial commitment required to live at Concordia Village, Springfield, IL, is dependent on the specific level of care a resident needs, from independent living to specialized memory care. While independent living includes a substantial one-time entrance fee and subsequent monthly charges, assisted living and memory care are primarily based on a monthly fee structure. Prospective residents are strongly advised to contact Concordia Village directly for a personalized quote, as pricing is subject to change based on the date, apartment style, and level of care required.
Frequently Asked Questions
Q: Does Concordia Village offer independent living? A: Yes, EverTrue Concordia Village offers independent living, which requires an entrance fee and a monthly service fee.
Q: What is an entrance fee at Concordia Village for independent living? A: According to historical reports, Concordia Village required an entrance fee for independent living apartments. While prices can change, earlier reports show a range from about $146,850 to $285,000.
Q: Are utilities included in the monthly fee? A: In most senior living communities, basic utilities like water, trash, and heating/cooling are often included in the monthly fee, especially in independent living. However, it is essential to confirm with Concordia Village what specific utilities are covered.
Q: What is the estimated monthly cost for assisted living in Springfield? A: A recent U.S. News report indicated a median cost of $6,500 per month for assisted living in the Springfield area. This cost can vary significantly depending on the facility and services.
Q: Does Concordia Village accept Medicaid or Medicare? A: Some parts of the campus, such as the skilled nursing Care Center, are certified for Medicare and Medicaid. It is crucial to verify coverage for other levels of care directly with the community and review your specific insurance policy.
Q: Is memory care available at Concordia Village? A: Yes, Concordia Village, as a Life Plan Community, includes a memory support area for residents with memory-related illnesses. The cost for this level of care is higher than standard assisted living.
Q: How does the cost at Concordia Village compare to other senior living options in Springfield? A: Costs vary depending on the community and care level. For example, the median cost for memory care in Springfield is around $5,537 per month, so comparing specific services and amenities is recommended.
Q: What is the average cost of senior living in Illinois? A: The average monthly cost for assisted living in Illinois was reported around $5,225 in 2024, showing regional variations. However, this is a statewide average, and costs in specific cities like Springfield may differ.
Q: How can I confirm current pricing for Concordia Village? A: The most reliable way to get up-to-date pricing is to contact the community directly. You can find their contact information on their official website.
