According to MassALFA's Assisted Living in Massachusetts Resource and Consumer Guide, monthly assisted living fees range from about $2,000 to more than $7,000; the high-end fee usually covers the cost of special care units and programs for people with memory loss and/or dementia that require additional staffing and services. While most assisted living is privately paid (in Massachusetts, the numbers are 85 to 90 percent), some long-term care insurance policies now offer coverage for some of the costs. Coverage provisions vary widely, so anyone considering this option, should carefully review different policies. Some assisted living residences have financial assistance programs.