2026 Nursing Home Cost Guide · TN
Nursing Home Cost in Tennessee
Nursing homes in Tennessee average $6,900/month for semi-private rooms and $8,000/month for private rooms in 2026. Tennessee Medicaid covers skilled nursing home care for eligible seniors. Compare costs, understand Medicaid eligibility, and find quality nursing homes near you.
Semi-Private Avg
$6,900
Private Room Avg
$8,000
vs. National Avg
14% below
Medicaid Covers NH
Yes
Tennessee Nursing Home Cost Breakdown
| Room Type / Care Level | Est. Monthly Cost |
|---|---|
| Semi-private room (shared) | $6,900/mo |
| Private room | $8,000/mo |
| Private room + enhanced care (bariatric, ventilator) | $9,600/mo |
| Short-term rehabilitation (first 20 days — Medicare) Covered 100% by Medicare (days 1–20 after qualifying hospital stay) | — |
| Short-term rehab (days 21–100 — Medicare co-pay) $194/day co-pay (2025); Medicare supplement may cover | $194/day |
| Long-term care (private pay, no Medicare) | $8,000/mo |
Estimates based on 2026 statewide averages. Actual rates vary by facility, location, and care needs.
What Nursing Home Costs Cover
Always included
- Room and board (semi-private or private)
- 3 meals/day + snacks and therapeutic diets
- 24/7 licensed nursing staff (RN, LPN, CNA)
- Medication management and administration
- Physician oversight and care coordination
- Basic personal care (bathing, dressing, toileting)
- Housekeeping, laundry, and linens
- Social services and discharge planning
Usually extra or billed separately
- Physical, occupational, or speech therapy (may bill Medicare Part A/B)
- Dental care, hearing aids, eyeglasses
- Private-duty nursing or personal companion
- Barber/beauty salon services
- Telephone, cable TV, personal items
- Specialized therapies (music, pet, art)
- Ambulance transportation
- Non-formulary medications
Tennessee Medicaid Coverage for Nursing Homes
Tennessee TennCare covers skilled nursing home care (Group 2 of the CHOICES program) for eligible seniors. Unlike assisted living, TennCare does cover full nursing home costs. Income limit: $2,829/month; asset limit: $2,000. Tennessee has ~325 licensed nursing homes.
How nursing home Medicaid works:
- Meet financial eligibility: income and asset limits (see above)
- Meet level of care: assessed as needing nursing home-level care by state evaluator
- Choose a Medicaid-certified nursing home with available Medicaid beds
- Resident pays most monthly income toward care (keeping a small personal needs allowance)
- Medicaid pays the remainder of the nursing home bill
What Drives Nursing Home Costs in Tennessee
- Nashville has seen sharp nursing home cost increases — 20%+ over 5 years
- Memphis and Knoxville run near the statewide average
- Tennessee has no state income tax — helps retirees fund private-pay nursing home stays
- East Tennessee mountain communities carry a retirement-destination premium
Veterans Benefits for Nursing Home Care in Tennessee
- VA Community Living Centers (CLCs): VA-operated nursing homes — free or low-cost for service-connected veterans
- Tennessee State Veterans Homes: subsidized skilled nursing for qualifying veterans
- VA Aid & Attendance pension: up to $2,830/month for qualifying veterans to offset private-pay costs
- Community Nursing Home Program: VA pays for private nursing home care for eligible veterans
How to Choose a Nursing Home in Tennessee
Check Medicare's 5-star ratings
Medicare Care Compare (medicare.gov/care-compare) rates every nursing home on overall quality, health inspections, staffing, and quality measures. Aim for 4–5 stars.
Review recent inspection reports
Tennessee's health department publishes all inspection citations. Look for 'immediate jeopardy' citations (J-L severity) in the last 3 years — these indicate life-threatening violations.
Verify Medicaid bed availability
If you need Medicaid funding, confirm the facility has Medicaid-certified beds available — not all nursing homes accept Medicaid or may have waitlists for Medicaid beds.
Check staffing levels
Medicare publishes weekly staffing hours per resident day (NHPPD). Look for facilities above the national average (3.8 NHPPD total nursing). High turnover is a red flag.
Tour and ask key questions
Visit at different times (morning and evening). Ask: What's your staff turnover rate? How do you handle resident falls? What's your infection control record? How are families kept informed?
Consult a discharge planner or elder law attorney
Hospital discharge planners know local nursing home quality firsthand. An elder law attorney can advise on Medicaid spend-down planning and protecting a spouse's assets.
Frequently Asked Questions: Tennessee Nursing Home Costs
Does Tennessee TennCare pay for nursing home care?▾
Yes. Tennessee TennCare CHOICES Group 2 covers full skilled nursing home care for eligible seniors. Unlike assisted living (which TennCare does NOT cover), nursing home care is fully covered. Income limit: $2,829/month; asset limit: $2,000. Apply through TennCare at 855-259-0701.
How much does a nursing home cost in Tennessee?▾
Tennessee nursing home costs average $6,900/month for semi-private rooms and $8,000/month for private rooms. Nashville averages $7,500–$10,000. Knoxville averages $6,500–$8,500. Chattanooga and Memphis average $6,000–$8,000. Rural Tennessee can run $5,500–$7,000/month for semi-private.
What is the difference between TennCare CHOICES Group 1 and Group 2?▾
TennCare CHOICES Group 1 covers nursing home-level care delivered at home or in an assisted living setting for those who prefer community-based care. Group 2 covers full skilled nursing home care for those who require institutional care. You may transition between groups based on care needs. Enrollment is through TennCare at 855-259-0701.
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