Area Agencies on Aging in Missouri

Complete Guide to Area Agencies on Aging in Missouri (2025)

Last updated: August 2025

If You Need Emergency Help

Call 911 immediately if you or someone you know is in immediate danger, experiencing a medical emergency, or being abused or neglected.

For urgent aging or disability assistance:

• Missouri Senior Resource Line: 1-800-235-5503 – Statewide connection to local Area Agencies on Aging
• Adult Abuse and Neglect Hotline: 1-800-392-0210 – Report elder abuse, neglect, or exploitation
• Crisis Text Line: Text HOME to 741741 – Free, confidential support
• National Suicide Prevention Lifeline: 988 – Mental health crisis support
• Missouri Public Health Emergency Hotline: 1-800-392-0272 – 24/7 health emergency assistance

For immediate food assistance:

• Contact your local Area Agency on Aging for emergency food programs
• Missouri 2-1-1 – Dial 2-1-1 for local emergency resources

Key Takeaways

• Missouri has 10 Area Agencies on Aging (AAAs) serving all 114 counties and St. Louis City
• All services are free or low-cost for seniors 60+ and people with disabilities of any age
• Call 1-800-235-5503 to connect with your local AAA – this statewide number works from anywhere
• Each AAA coordinates services rather than providing them directly – they contract with local organizations
• No income requirements for basic information and assistance services
• Most AAAs coordinate home-delivered meals, transportation, legal help, and Medicare counseling
• MO HealthNet waiver programs can help you stay in your home instead of moving to a nursing facility
• Missouri’s Master Plan on Aging is currently being finalized to improve coordination of services statewide

What Are Area Agencies on Aging?

Area Agencies on Aging (AAAs) are regional organizations that coordinate and fund essential services for older adults and people with disabilities. Established under the federal Older Americans Act in 1973, these agencies serve as the coordination hub for Missouri’s aging services network.

Think of your local AAA as a central planning and coordination center for senior services. Rather than operating programs directly, Missouri’s AAAs primarily contract with local nonprofits, senior centers, and community organizations to deliver services in your community. Each AAA serves multiple counties and develops comprehensive plans to address local aging needs.

All Missouri AAAs function as single entry points for aging and disability services, making it easier to find help regardless of your age or situation. This approach means you can call any AAA for assistance, and they’ll either help you directly or connect you with the right resources.

The Missouri Department of Health and Senior Services, Division of Senior and Disability Services, oversees all AAAs statewide and distributes federal, state, and local funding. Each AAA develops a multi-year area plan that identifies regional needs and outlines strategies to address them.

Missouri’s 10 Area Agencies on Aging: Complete Directory

Note: Director names may change. Always verify current details by calling 1-800-235-5503.

Core Services Provided by Missouri AAAs

Information and Assistance

Every AAA provides free information and assistance to help you navigate the complex aging services landscape. Trained staff can help with:

• Understanding available programs and eligibility requirements
• Connecting you with appropriate local services
• Explaining benefit options for Medicare, Medicaid, and other programs
• Providing referrals to other agencies and organizations
• Offering guidance on long-term care planning

This service is available to anyone who calls, regardless of age, income, or situation.

Nutrition Programs

Missouri AAAs coordinate comprehensive nutrition programs that address both hunger and social isolation among older adults.

Congregate Meals: Nutritious meals served at senior centers, community centers, faith-based organizations, and other community locations. These programs offer more than food – they provide socialization opportunities, wellness education, and connections to other services. Meals typically have a suggested donation of $3-6 for seniors 60+, but no one is turned away for inability to pay.

Home-Delivered Meals: For seniors who cannot easily leave their homes, AAAs coordinate meal delivery programs through local providers. These programs deliver hot, frozen, or shelf-stable meals directly to your home, usually 1-5 days per week. Priority goes to seniors who are homebound, isolated, or at nutritional risk.

Emergency Food Assistance: During crises or extreme weather, AAAs help coordinate emergency food distribution to vulnerable seniors in their communities.

Transportation Services

Transportation barriers often prevent seniors from accessing healthcare, groceries, and social connections. Missouri AAAs address this need through coordinated transportation programs:

Medical Transportation: Priority service for getting to medical appointments, therapy sessions, dialysis, and other health-related trips. Services may include AAA-contracted vehicles, volunteer driver programs, or transportation vouchers.

General Transportation: Scheduled trips for essential activities like grocery shopping, banking, pharmacy visits, and social activities. Service frequency and availability vary significantly between urban and rural areas.

Transportation Vouchers: Some AAAs provide vouchers for use with local taxi services or ride-sharing programs for eligible seniors.

Reality Check: Transportation services often have limited capacity and may require advance booking. Same-day transportation is typically only available for emergencies.

Legal Assistance

AAAs coordinate free legal services for seniors 60+ in civil matters that affect their health, safety, and financial security. Common legal issues include:

• Medicare and Medicaid problems and appeals
• Social Security and disability benefit issues
• Housing problems and landlord-tenant disputes
• Consumer protection and fraud prevention
• Basic estate planning and advance directives
• Family law matters affecting seniors
• Public benefit applications and denials

Legal services are provided through contracted attorneys or volunteer lawyers and may include consultations, document preparation, and limited representation.

Medicare and Insurance Counseling (SHIP)

Missouri’s State Health Insurance Assistance Program (SHIP) provides free, unbiased counseling through AAAs and partner organizations. Services include:

• Medicare enrollment and plan selection assistance
• Medicare Supplement (Medigap) plan comparisons
• Medicare Part D prescription drug plan reviews
• Medicare Advantage plan evaluations
• Help resolving billing problems and claim denials
• Assistance understanding Medicare statements and coverage

SHIP counselors are trained volunteers who don’t sell insurance and provide completely objective advice.

Case Management and Care Coordination

For seniors with complex needs, AAAs provide case management services to help coordinate multiple services and support systems:

• Comprehensive assessment of needs and preferences
• Development of individualized care plans
• Connection to appropriate services and benefits
• Ongoing monitoring and plan adjustments
• Advocacy with service providers and agencies
• Coordination with healthcare providers and family caregivers

Family Caregiver Support

Missouri AAAs operate Family Caregiver Support Programs that provide assistance to family members caring for older adults:

Information and Education: Training on caregiving techniques, stress management, understanding health conditions, and navigating the service system.

Counseling and Support Groups: Individual counseling and peer support groups to help caregivers manage the emotional and practical challenges of caregiving.

Respite Care: Temporary care services that provide family caregivers with breaks, including in-home companions, adult day programs, or short-term facility care.

Supplemental Services: Limited funding for services not covered elsewhere, such as home safety modifications, assistive devices, or emergency response systems.

MO HealthNet Waiver Programs Through AAAs

Missouri offers several MO HealthNet (Medicaid) waiver programs that help eligible seniors and people with disabilities receive care in their homes instead of nursing facilities. AAAs often serve as entry points and coordinators for these programs.

Aged and Disabled (AD) Waiver

The AD Waiver is Missouri’s primary home and community-based services program for seniors and adults with physical disabilities.

Services Include:

• Homemaker services (light housekeeping, laundry, meal preparation)
• Chore services (heavier tasks like yard work, minor home repairs)
• Adult day care programs
• Respite care for family caregivers
• Home-delivered meals
• Personal care assistance (when medically necessary)

Eligibility Requirements:

• Must be MO HealthNet (Medicaid) eligible
• Age 65+ or ages 63-64 with physical disability
• Must need nursing facility level of care
• Financial limits: $6,068.80 in countable assets, income under $1,690/month (2025)
• Must choose to receive services at home instead of in a nursing facility

Reality Check: The AD Waiver has limited capacity and waiting lists exist in most areas. Wait times can range from several months to over a year depending on your location and care needs.

Structured Family Caregiving Waiver (SFCW)

This specialized program serves individuals 21+ with Alzheimer’s disease or related disorders who wish to remain at home with family caregivers.

How It Works:

• Provides comprehensive support for family caregivers
• Includes respite care, caregiver training, and support services
• Focus on maintaining the person at home as long as safely possible
• Specialized services for dementia care

Adult Day Care (ADC) Waiver

Provides continuous care and supervision in licensed adult day care settings for disabled adults ages 18-63 who meet nursing facility level of care requirements.

Special Population Services

Rural Seniors and Families

Rural Missouri faces unique challenges including geographic isolation, limited transportation, and fewer service providers. AAAs adapt their coordination efforts to address rural needs:

Rural-Specific Approaches:

• Mobile service delivery through contracted providers
• Volunteer driver programs for long-distance medical trips
• Partnerships with faith-based organizations
• Flexible service delivery schedules to maximize efficiency
• Telecommunication services for remote support

Challenges to Expect:

• Longer distances to service providers
• Less frequent transportation options
• Fewer congregate meal sites
• Limited internet access for telehealth services
• Provider shortages for in-home services

Veteran Seniors

Missouri has a significant veteran population, and AAAs coordinate with the Missouri Veterans Commission and VA Medical Centers to ensure veterans receive all earned benefits.

Veteran-Specific Coordination:

• Assistance applying for VA benefits and healthcare
• Transportation coordination to VA medical appointments
• Help with VA pension and disability claims
• Connection to VA home and community-based services
• Coordination with Veterans Service Officers

Key Resources:

• Missouri Veterans Commission: 573-751-3779
• Veterans Service Officers in local communities
• VA Medical Centers in Columbia, Kansas City, Poplar Bluff, and St. Louis
• Veterans Crisis Line: 1-800-273-8255 (Press 1)

LGBTQ+ Seniors

Missouri AAAs work to ensure LGBTQ+ seniors feel welcome when accessing services. While services aren’t specifically designated as LGBTQ+-focused, all AAAs follow non-discrimination policies.

What to Expect:

• All contracted providers receive training on serving diverse populations
• Services cannot be denied based on sexual orientation or gender identity
• If you experience discrimination, contact the AAA coordinator or Missouri Department of Health and Senior Services
• Some AAAs partner with LGBTQ+ organizations in larger metropolitan areas

How to Access Services

Step 1: Call the Statewide Number

Dial 1-800-235-5503 from anywhere in Missouri. This toll-free number connects you to your local AAA based on your zip code. Live staff are typically available Monday-Friday, 8 AM – 5 PM.

Step 2: Initial Information Gathering

AAA staff will ask basic questions about:

• Your location and contact information
• What type of assistance you’re seeking
• Your current living situation and support system
• Whether you have urgent needs
• Basic information about your resources

This initial conversation typically takes 10-20 minutes and helps staff understand how to best assist you.

Step 3: Assessment (If Needed)

For ongoing services or complex situations, you may need a more detailed assessment:

• Phone assessment for simpler service needs
• In-person assessment for complex care coordination
• Home visit for waiver programs or comprehensive case management

Assessments evaluate your functional abilities, safety concerns, support system, and service preferences.

Step 4: Service Coordination

Based on your assessment, AAA staff will:

• Explain available services and programs in your area
• Help you apply for relevant benefits
• Make referrals to contracted service providers
• Develop a coordinated service plan if needed
• Provide ongoing case management as appropriate

Step 5: Ongoing Support

AAAs provide continued support through:

• Regular check-ins to assess changing needs
• Help accessing new services as situations change
• Advocacy when problems arise with service providers
• Annual reassessments for waiver programs

Costs and Financial Assistance

Free Services

These services are available at no cost to eligible participants:

• Information and assistance for anyone
• Benefits counseling (Medicare, Medicaid, Social Security)
• Legal consultations for seniors 60+
• Case management and care coordination

Donation-Based Services

These services have suggested donations but cannot turn away those unable to pay:

• Congregate meals ($3-6 suggested donation)
• Transportation ($2-5 suggested donation per trip)
• Home-delivered meals ($4-7 suggested donation per meal)

Income-Based Services

Some services use sliding fee scales based on income:

• In-home care services (through contracted providers)
• Adult day programs
• Respite care services
• Home modification assistance

Insurance and Medicaid Coverage

Many services can be covered by:

• MO HealthNet (Medicaid) including waiver programs
• Medicare (for medically necessary services)
• Private insurance
• Veterans benefits
• Other federal and state programs

Financial Reality: Even free services have limited funding, which means:

• You may be placed on waiting lists for popular services
• Service hours may be limited during budget constraints
• Donations help programs serve more people
• Priority often goes to those with greatest need and fewest resources

Quality and Accountability

Program Standards

All AAAs must meet federal and state standards for:

• Staff qualifications and ongoing training
• Service quality and safety protocols
• Financial management and transparency
• Non-discrimination and accessibility
• Consumer rights and confidentiality

Oversight and Monitoring

AAAs are monitored by:

• The Missouri Department of Health and Senior Services
• Federal Administration for Community Living
• Independent financial auditors
• Consumer advisory groups
• Local governing boards

Complaint Process

If you have concerns about services:

1. Talk to your service provider first – Many issues can be resolved directly
2. Contact the AAA coordinator – Each AAA has procedures for handling complaints
3. Call the Division of Senior and Disability Services – 573-751-6400 for state-level review
4. Contact the Long-Term Care Ombudsman – 1-800-235-5503 for nursing home and assisted living complaints

Your Rights

As a service recipient, you have the right to:

• Be treated with dignity and respect regardless of background
• Receive services without discrimination
• Have your personal information kept confidential
• Participate in decisions about your care and services
• File complaints without fear of retaliation
• Receive services that meet established quality standards

Resources by Region

Frequently Asked Questions (FAQs)

Do I need to qualify for Medicaid to get AAA services?

No. Information and assistance, meal programs, transportation, and most other AAA-coordinated services are available regardless of your Medicaid status. However, the most comprehensive in-home care services typically require MO HealthNet (Medicaid) eligibility through waiver programs.

What if I live in a very rural area with few services?

Missouri AAAs have adapted to serve rural communities through mobile services, volunteer programs, and partnerships with local organizations. While you may have fewer options than in urban areas, your AAA can help you access available services and may coordinate creative solutions for your specific situation.

Can I still get services if I’m already in assisted living?

You can access some AAA services while in assisted living, including information and assistance, benefits counseling, and legal help. However, most direct care services aren’t available since the facility is expected to provide those services.

How long are the waiting lists for home care services?

Waiting times vary by program and location. Information services are immediate, while MO HealthNet waiver programs may have waiting lists of 6-18 months or longer. Your AAA can provide current wait time estimates for your area and help you plan accordingly.

What happens to my services if my AAA loses funding?

Missouri AAAs receive funding from multiple sources and work to maintain essential services even during budget challenges. If funding is reduced, services may be prioritized for those with greatest need. Your AAA will work to transition you to alternative resources if necessary.

Can family members be paid caregivers through these programs?

In some cases, yes. Certain MO HealthNet waiver programs allow family members to be hired as paid caregivers, though there are restrictions. Your AAA can explain what’s available in your specific situation.

What if I need help understanding Medicare during Open Enrollment?

Missouri AAAs coordinate SHIP (State Health Insurance Assistance Program) counseling year-round, with expanded services during Open Enrollment periods. This service is completely free and unbiased – counselors don’t sell insurance.

Do services continue if I temporarily move to another county?

Services don’t automatically transfer between counties. You’ll need to contact the AAA in your new location to reestablish services. However, your assessment information can usually be shared to expedite the process.

What if I disagree with my waiver assessment?

You have the right to appeal waiver program decisions through the Missouri Department of Health and Senior Services. Your AAA can help you understand the appeal process and provide support during the review.

How does Missouri’s Master Plan on Aging affect current services?

Missouri is finalizing a comprehensive Master Plan on Aging to better coordinate services statewide. While current services continue unchanged, the plan may lead to improvements in service coordination and new programs in the future.

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Disclaimer

Program details, contact information, and services can change without advance notice. While this guide uses the most current available information as of August 2025, we strongly recommend verifying all details directly with the relevant Area Agency on Aging before making decisions or applying for services.

This guide is for informational purposes only and does not constitute professional legal, medical, or financial advice. Always consult with qualified professionals for advice specific to your situation.

For the most current information, contact:

• Missouri Senior Resource Line: 1-800-235-5503
• Missouri Department of Health and Senior Services: 573-751-6400
• Your local Area Agency on Aging

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About This Guide

Researched and Compiled by Grants for Seniors

This guide has been carefully researched using publicly available government resources and official program websites. We systematically review federal and state program information to create comprehensive, accurate guides for older Americans seeking assistance.

Our Sources: All information comes from official sources including federal agency websites (HHS, ACL, CMS), Missouri state government departments, official program documentation, and verified nonprofit organization resources.

Verification Process: Each program listing undergoes thorough verification by cross-referencing information across multiple official sources, checking current program status, verifying contact information, and confirming eligibility requirements.

Information Currency: • Last Updated: August 2025 • Sources Verified: August 2025 • Next Review: February 2026

Important Note: Government programs can change without advance notice. While this guide uses the most current available information, we strongly recommend verifying all details directly with program administrators before applying.

Found an Error? If you discover outdated information or additional programs that should be included, please contact us at info@grantsforseniors.org.

Disclaimer: This guide is for informational purposes only and does not constitute professional advice. Always confirm program details with official sources before applying.

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This resource is independently researched to help seniors access available assistance programs.