For Gaithersburg families weighing ccrcs, here's the 2026 picture - local costs, licensing, and the questions that matter most before you book a tour.
Gaithersburg in context
Gaithersburg, the county's second-largest city, offers a growing set of suburban assisted living and memory care options around Kentlands and Olde Towne.
Gaithersburg sits in Montgomery County, MD, part of Maryland. Nearby hospitals include Adventist HealthCare Shady Grove Medical Center, Holy Cross Germantown Hospital, which matters for discharge planning and staying close to a parent's physicians. Families here commonly focus on areas such as Kentlands, Olde Towne Gaithersburg, Washingtonian. Gaithersburg typically runs below Bethesda and Rockville for a comparable level of care.
Paying for ccrcs in Gaithersburg
Around Gaithersburg, ccrcs typically runs $4,500 to $8,500 a month plus a substantial entrance fee. Gaithersburg typically runs below Bethesda and Rockville for a comparable level of care. Most families layer sources over time: private savings and Social Security first, then long-term-care insurance if it's in place, VA Aid & Attendance for eligible veterans and surviving spouses, and Maryland Medical Assistance - which can fund care services (not room and board) through the Community Options (CO) Waiver and Community First Choice (CFC), with the Senior Assisted Living Group Home Subsidy available to some lower-income assisted living residents for those who meet the income and asset tests.
Verify any community's license and inspection record through the Maryland OHCQ facility directory and published survey results before you commit - the one authoritative source covering every provider in Montgomery County, MD.
What ccrcs actually includes
A Continuing Care Retirement Community spans independent living, assisted living, and skilled nursing on one campus, so a resident can move between levels of care without changing addresses.
In Maryland, this level of care is regulated under an Assisted Living Program license under COMAR 10.07.14, rated Level 1, 2, or 3 according to how much hands-on care the program is approved to provide, overseen by the Maryland Office of Health Care Quality (OHCQ). A typical monthly range is $4,500 to $8,500 a month plus a substantial entrance fee.
Before you book a tour, know what really predicts quality here:
- the entrance-fee refund terms (Type A, B, or C contract)
- the operator's financial health and reserve ratio
- guaranteed access to higher levels of care, and at what price
How to take the next step
Talk it through with a free DC Senior Advisor advisor before you book a single tour - a little planning now saves weeks of scrambling later. Send us a message to get started.
