If you’ve been researching senior living options and come across the term life plan community, you’re not alone. More and more families in St. Louis are exploring these comprehensive communities as a smart, flexible alternative to traditional senior housing. But what exactly is a life plan community—and how can you tell if it’s the right fit for you or a loved one?
In this guide, we’ll break it down: what life plan communities offer, how they compare to other models like CCRCs (Continuing Care Retirement Communities), and why local options like Mari de Villa stand out.
What Is a Life Plan Community?
A life plan community is a residential setting for older adults that offers independent living, assisted living, and skilled nursing care—all within one connected campus. This means residents can age in place comfortably while receiving more support as their needs evolve.
Formerly known as Continuing Care Retirement Communities (CCRCs), the term “life plan community” reflects a shift toward wellness, lifestyle, and proactive planning, not just care.
Key features often include:
- Maintenance-free living (housekeeping, dining, landscaping)
- Access to on-site medical and rehabilitative care
- Wellness and fitness programs
- Scheduled social events and clubs
- Emergency support and security
Life Plan Community vs. CCRC: What’s the Difference?
The terms are often used interchangeably, but “life plan community” emphasizes forward-looking lifestyle planning while CCRC has traditionally focused on the medical and contract structure.
Here’s a quick comparison:
| Feature | Life Plan Community | Traditional CCRC |
|---|---|---|
| Focus | Lifestyle, wellness, aging-in-place | Medical care progression |
| Marketing language | Resident-first, wellness-driven | Care-centered, medical-model language |
| Resident lifestyle | Social, active, engaging | Often more institutional in tone |
| Care continuum | Independent → Assisted → Skilled | Same, but with less lifestyle framing |
Is a Life Plan Community Right for You?
It might be—if you’re thinking long-term. Life plan communities appeal to older adults who want to maintain independence now but plan for potential care later without uprooting their lives.
Here are a few signs it may be a good fit:
- You want to live independently, but with access to help if needed
- You’re ready to downsize and simplify daily responsibilities
- You value social connection and an active lifestyle
- You’d prefer one move, not multiple relocations over time
- You want to protect against rising healthcare costs
💡 Pro Tip: Choosing a life plan community before a health event allows for more options and smoother transitions.
What Happens Financially in a Life Plan Community?
One of the biggest concerns people have is cost. While contracts vary, many communities—including those like Mari de Villa—offer flexible financial options that align with residents’ needs.
Types of contract structures include:
- Type A (Life Care): Higher upfront fee, predictable monthly costs even if care needs increase
- Type B (Modified): Lower entrance fee, but care costs may vary
- Type C (Fee-for-Service): Pay-as-you-go for care, lower initial cost
To make an informed decision, we recommend reviewing contracts carefully, asking about long-term cost protection, and consulting a financial advisor familiar with senior living plans.
Why Choose a Life Plan Community in St. Louis?
While national directories provide basic information, local experience matters. St. Louis residents benefit from proximity to family, local healthcare providers, cultural events, and the natural beauty of Missouri.
Mari de Villa, located in Chesterfield, offers all levels of care in one elegant, family-owned community—paired with decades of compassionate service. Residents enjoy:
- Beautiful private suites and common areas
- Chef-prepared meals with customized nutrition support
- Daily programming focused on wellness, social engagement, and enrichment
- Long-tenured staff and a legacy of personalized care
Whether you’re just beginning your search or narrowing down your options, choosing a life plan community in St. Louis means staying connected to what matters most—home.
Frequently Asked Questions (FAQs)
What happens if I run out of money in a life plan community?
This depends on your contract. Some communities include benevolence clauses or financial hardship protection. Always ask about this up front.
How is this different from assisted living?
A life plan community includes assisted living as one level of care. The benefit is continuity—residents don’t have to move as needs change.
Can I bring my own healthcare providers?
In many cases, yes. Some life plan communities allow residents to continue seeing outside doctors while also offering on-site medical care for convenience.
Make The Decision Today!
Interested in exploring a life plan community that blends personalized care, vibrant living, and financial clarity? Schedule a private tour at Mari de Villa and discover what aging well looks like in the heart of St. Louis.
