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Assisted Living Communities in Gary, Indiana

Gary, Indiana, is one of the largest cities in the state and just 25 miles from Chicago. It’s adjacent to the southern shores of Lake Michigan and the Indiana Dunes National Park, which gives residents plenty of choices for spending time outdoors. Gary’s proximity to Chicago also benefits those who need to access big-city amenities and healthcare, although Gary has plenty of choices within the city limits.

About 18% of Gary’s 75,000 residents are aged 65 and older, and some of these seniors might be considering a move into an assisted living community as their needs change. Assisted living homes offer 24/7 personal care, assistance with mobility and prepare three nutritious meals a day. These apartment-style communities also offer amenities like pools, walking paths and fitness centers, plus scheduled activities for seniors to pursue favorite hobbies and meet new friends. Many assisted living communities also have a nurse available on-site. The average monthly cost of assisted living in Gary is $4,585.

In this guide, we cover the costs of assisted living and senior care in Gary, plus address the benefits and drawbacks of living here. We also included a brief list of resources for seniors and their families.

Directory of Assisted Living in Gary, IN

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The Cost of Assisted Living in Nearby Cities

Gary’s assisted living fees are higher than the state of Indiana, $4,585 compared to $4,382, and both of these are higher than the US average of $4,300. Looking at other large Indiana cities, Gary’s assisted living fees are comparable to most, with the exception of Fort Wayne, which is significantly less, just $3,503 per month. Indianapolis ($4,573) and Evansville ($4,455) are close in cost to Gary, and South Bend is just a bit more at $4,819 per month. 

Gary

$4,585

Indiana

$4,382

The United States

$4,300

Indianapolis

$4,573

South Bend

$4,819

Fort Wayne

$3,503

Evansville

$4,455

Paying for Assisted Living in Gary

According to the Genworth Financial Cost of Care Survey 2020, monthly assisted living fees in Gary are $4,585. 

Financial Assistance for Assisted Living in Gary

Indiana’s Regional Care Assistance Program (RCAP) helps seniors pay for the monthly cost of assisted living. The state also offers a Medicaid Waiver program, but it only covers costs for seniors residing in an RCF.

Learn more about these programs, plus who’s eligible, on our Assisted Living in Indiana page.

Financial Assistance for Assisted Living in Gary

More Ways to Pay for Assisted Living

While many families use their own funds or personal assets to pay for assisted living, there are plenty of additional options to cover these costs. Some additional ways to finance assisted living costs include:

  • Veterans Benefits
  • Life Insurance Policy
  • Long-Term Care Insurance
  • Reverse Mortgage

For more information about different ways to finance assisted living, visit our Assisted Living in Indiana page.

The Cost of Other Types of Senior Care

Assisted living isn’t the only long-term care option for seniors in Gary. Homemaker and home health aide services, both of which average $4,767 per month, provide in-home assistance. Homemakers can help with chores, meal preparation and grocery shopping and companionship, while home health care workers provide in-home medical care. Adult day care offers activities and assistance similar to that of an assisted living facility, but attendees return home at night. Nursing home care is intended for those with chronic medical conditions that require around-the-clock medical care and monitoring. The cost for a semi-private room is $8,060 per month, while a private room is $8,973. 

Homemaker Services

$4,767

Home Health aide

$4,767

Assisted Living Facility

$4,585

Nursing Home (semiprivate room)

$8,060

Nursing Home (private room)

$8,973

Note: Data for Gary was unavailable, so data for the nearest city, Michigan City, was used instead.  

Free Assisted Living Resources in Gary

Gary seniors and their families have access to many free resources to help them find the right fit for an assisted living facility if they’re thinking of making the move. Seniors may also seek assistance applying for government benefits and medical care through state-funded agencies. 

ResourceContactService
Indiana Long term care Ombudsman Services(800) 457-8283The Long Term Care Ombudsman Services agency advocates for the rights and interests of residents of long-term care communities, such as assisted living and nursing homes. These representatives investigate complaints filed by residents and refer these complaints to the appropriate disciplinary agency. Families or individuals seeking assisted living care may also find help through the Ombudsman to determine the right community to meet their needs.
Gary Area Vet Center(219) 736-5633The Vet Center helps local military veterans apply for pensions, including the Aid & Attendance pension, to help pay for assisted living and health care, including Medicaid. Representatives can help veterans file claims through the US Department of Veteran’s affairs and appeal rulings on these claims. Volunteers with the Vet Center visit area veterans who are in assisted living to help reduce isolation.
Indiana Association of Area Agencies on Aging(317) 205-9201This Area Agency on Aging provides information about resources and service providers, from nutrition and meal delivery to finding long-term care and offering health screenings and seminars. The AAA also makes referrals to case managers who can help seniors apply for Social Security, Medicaid and other government benefits, plus find and apply for assisted living accommodations.

What to Consider About Assisted Living in Gary

The Indiana Department of Health licenses and regulates assisted living communities in the state under the Residential Care Facility Licensing Program. This agency conducts health inspections of long-term care communities and investigates complaints about assisted living communities. 

Benefits and Drawbacks of Assisted Living in Gary

  • The cost of living in Gary is significantly lower than the US average, which has a baseline of 100. Gary is 72.5, and Indiana overall is 82.1. Housing costs are just 20.3, and health care is 84.8, which may benefit seniors with limited income. 
  • Crime rates in Gary are quite high. Due to this, many assisted living facilities have security features in place and take precautions to make sure residents are safe. 
  • Winters in Gary are cold and snowy, averaging 36 inches of snow per year, compared to 28 for the national average, and January lows of 18 degrees. Summers can be mild and pleasant, with 186 sunny days per year and July highs of about 86 degrees. Seniors who have health conditions aggravated by colder temperatures may not be comfortable, but those sensitive to high heat may appreciate the respite. 
  • The air quality in Gary is above the national average, 64 out of 100 compared to 58. Seniors here can enjoy a nice breath of fresh air when outside. Although the water quality is lower, 30 out of 100 compared to 55. 
  • Indiana is moderately tax-friendly for retirees, as all Social Security income is tax-free. However, retirement income may be taxed at the same rate as other wages, a 3.23% flat rate. 

Assisted Living Laws and Regulations in Gary

Gary-area assisted living communities must adhere to the comprehensive set of state laws and regulations that all assisted living communities in Indiana are required to follow. Visit our Assisted Living in Indiana page for more information about these laws.

Assisted Living Laws and Regulations in Gary

Reviews of Communities Nearby

Assisted Living

daisy67

I am a friend or relative of a current/past resident

Review of Miller Beach Terrace

My aunt lives currently at Miller Beach and she really likes it. We have had meals with her in the dining room and the food is very tasty. The staff is super friendly and really seem to care about...

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Assisted Living

Heart-broken

I am a friend or relative of resident

Review of Miller Beach Terrace

I am heartbroken because my dad died, we believe, as a result of negligence by the Miller Beach staff. Before coming to Miller Beach, my dad had colon cancer and was taking 3 medicines to assist...

Read more

Assisted Living

Disgusted!

I am a friend or relative of resident

Review of Miller Beach Terrace

This is a horrible place! They put my 87y/o grandfather on respidone for no reason. But that explains why everyone seemed so dazed! Everyone was probably on it! They gave him no meds for his...

Read more

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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