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Nursing Homes in Indiana
Indiana has a population of 6,732,219 people, and 16.1% are aged 65 and older. Seniors living in Indiana have a number of options for their care needs. For those who are medically frail, nursing home care is often the care type of choice. Nursing home care provides round-the-clock nursing care to those who need intensive medical care at all times.
This is the most costly form of care for seniors in the state, and Indiana has 533 nursing homes that provide it. According to the 2020 Genworth Financial Cost of Care Survey, the average cost of nursing home care in a semiprivate room in Indiana is $7,133 a month, and this amount increases to $8,486 for a private room.
This guide will help seniors considering nursing home care in Indiana understand their options for paying for care. It also provides a list of free or low-cost resources to help them navigate their care options in the state.
The Cost of Nursing Home Care in Indiana
The cost of long-term care varies from one facility to the next, but in Indiana, the average cost for a semiprivate room in a nursing home is $7,133 a month, according to the 2020 Genworth Cost of Care Survey. In Michigan, seniors pay an average of $8,973. Seniors in Illinois pay a little less at $6,235 a month. Kentucky has a just slightly higher cost for senior care at $7,330, while seniors in Ohio pay a comparable $7,148. In Indiana and many surrounding states, the cost is less than the national average of $7,756 a month.
Even within the state of Indiana, costs vary considerably depending on where a senior lives. In the northern part of the state, the average monthly cost for nursing home care in the Elkhart area is $7,361, which is about $200 higher than the state average of $7,133, while Michigan City has a much higher cost, at $8,060. By contrast, Evansville, in the southern part of the state, averages $7,300 a month for nursing home care. Bloomington, in the central region, has a less-than-average cost of $7,148, which is also the average in Kokomo. Indianapolis is just a little higher than the state average at $7,209. In Lafayette, seniors pay an average of $7,026.
Indiana
$7133
Lafayette
$7026
Bloomington
$7148
Kokomo
$7148
Indianapolis
$7209
Evansville
$7300
Elkhart
$7361
Michigan City
$8060
Nursing home care is just one option for senior care in Indiana. While seniors pay an average of $7,133 a month for nursing home care in a semiprivate room, those who choose an assisted living facility pay less, at $4,382 a month. Homemaker services average $4,385 per month, while home health services, which include some basic medical care, cost $4,576. The most affordable care option is adult day care, which averages $1,733 a month.
Nursing Home
$7133
Adult Day Care
$1733
Assisted Living
$4382
Home Care
$4385
Home Health Care
$4576
Does Medicaid Cover Nursing Home Care in Indiana?
Indiana Medicaid covers nursing home care for older residents who are financially and medically eligible for services. Currently, there are approximately 1.7 million Hoosiers, or about one in five state residents, enrolled in Medicaid. This is a 50% increase over the number of people enrolled in 2013 when the state expanded its Medicaid program. In Indiana’s 533 nursing homes, about two out of three nursing home residents pay for services using Medicaid, and statewide, a sixth of Medicaid beneficiaries are also on Medicare.
Indiana Medicaid provides comprehensive coverage for medical and long-term skilled nursing services, putting high-quality care within reach of those with limited resources. Under this program, beneficiaries receive full coverage for nursing facility services; physical, occupational and speech therapy; emergency and nonemergency medical transportation; routine and surgical foot care; and medical supplies and equipment.
Many people require skilled nursing services but have slightly fewer care requirements and don’t want to live in a nursing home. To accommodate their needs and living preferences, Indiana Medicaid has two programs that allow beneficiaries to obtain the services they need in the community:
- Aged and Disabled Waiver: The A&D Waiver is a Home and Community-Based Services Waiver that enables older adults to live at home or in an assisted living facility as an alternative to nursing home placement. Under this waiver, individuals have coverage for services such as home modifications, adult day services, respite, home-delivered meals, attendant care and assisted living.
- Program of All Inclusive Care for the Elderly: PACE provides a full scope of medical and social services for those dually eligible for Medicare and Medicaid. It’s designed for those who need nursing home level care but want to remain in their own home. Services it covers include primary care services, hospital care, adult day services, meals, social work counseling and transportation. This program isn’t available statewide, so applicants must live within a PACE service area.
Medicaid Eligibility in Indiana
To be eligible for Indiana Medicaid, applicants must meet income and asset guidelines. Hoosiers can have a monthly pretax income of up to $2,742. This includes all forms of retirement income, including Social Security income, Social Security Disability income, withdrawals from retirement accounts, dividends from investments and government and private pensions. If the applicant is married and their spouse isn’t applying for coverage, only the applicant’s income is counted, and Indiana has laws in place to safeguard the non-applying spouse’s financial security.
Single applicants can have up to $2,000 in countable assets. This includes cash, investments, bank accounts and vacation homes. It doesn’t include the applicant’s primary dwelling, belongings, vehicle or irrevocable burial trusts. If both spouses are applying, the asset limit is $3,000. For those whose income and assets exceed these limits, there may be other ways to qualify, including Miller trusts and Medicaid planning.
| Household Size | Number of Applicants | Income Limits Per Year* | Asset Limits: Applicant(s) | Asset Limits: Non-Applicants |
|---|---|---|---|---|
| One Person | 1 | $32,904 | $2,000 | |
| Two People | 1 | $32,904** | $2,000 | $148,620 |
| Two People | 2 | $65,808*** | $3,000 |
*All monthly income except for a $52 personal needs allowance and Medicare premiums must be paid to the facility as a share of cost. There may also be a monthly needs allowance for a non-applicant spouse, .
**Income limit is for applicant only.
***Income is limited to $2,742 per month per spouse.
In addition to financial limits, Indiana Medicaid applicants must meet other eligibility criteria. Qualifying individuals must be:
- U.S. nationals, citizens, permanent residents or legal immigrants
- In need of health care services and insurance assistance
- Permanent residents of Indiana
How To Apply for Medicaid in Indiana
To apply for Medicaid, Hoosiers must fill out the Indiana Application for Health Coverage, which is available at their local Division of Family Resources office. Once they’ve submitted the application, it may take up to 90 days to determine whether they’re eligible. Alternately, individuals can apply online through the Indiana Family and Social Services Administration portal or the federal Health Insurance Marketplace. They can also apply over the phone by calling the FSSA at (800) 403-0864.
After applying, individuals can check the status of their application online or by calling the FSSA. They must have their case number available.
Information You Will Need
Before the individual’s application can be reviewed, they must submit all necessary documentation. This includes:
- Name and date of birth
- Social Security number
- Income and public benefits
- Bank account balances
- Documentation of other health insurance, including Medicare
Additional Medicaid Support & Resources in Indiana
Enrolling in Medicaid can significantly reduce the amount of money seniors must put toward long-term care. To help them obtain the services they need, Indiana has several agencies and programs to assist applicants in navigating the system.
| Resource | Contact | Description |
|---|---|---|
| MHS Ombudsman Program | (877) 647-5326 | The MHS Ombudsman Program serves as a neutral third party with issues regarding Medicaid coverage, canceled policies or denied coverage. The ombudsman can answer individuals’ questions regarding their benefits and services and provide information on beneficiaries’ rights and responsibilities. The ombudsman can also guide individuals through the appeals process, including assisting with filling out paperwork and documenting verbal appeals. The office is open daily from 7 a.m. to 7 p.m., and all calls are confidential. |
| American Council on Aging | Contact Form | The American Council on Aging publishes up-to-date information on qualifying for Medicaid, including income and asset limits and options for qualifying when those limits are exceeded. It also provides information on nursing homes, including national care costs, what characterizes a nursing home level of care and the eviction process. |
| Indiana Attorney General's Medicaid Fraud Control Unit | (800) 446-1993 | The Indiana Attorney General's Medicaid Fraud Control Unit helps keep Medicaid costs low by investigating complaints of dishonest practices, including excessive nursing home services, charges for services not received and billing errors. |
Does Medicare Cover Nursing Home Care in Indiana?
Medicare provides limited coverage for short-term stays in a skilled nursing facility following a hospital stay, but seniors must meet a number of specific requirements. This benefit is available to beneficiaries who have been hospitalized for at least three days, excluding the date of discharge, so it’s most valuable for those who are recovering from an injury, illness or surgery.
Once seniors meet the hospitalization requirement, Medicare will pay for up to 100 days of skilled nursing per benefit period. The first 20 days are covered in full. Starting on day 21, beneficiaries must pay a daily coinsurance rate. After day 100, seniors are responsible for the entire cost.
What Does Medicare Cover?
Medicare covers a number of specific services, including:
- Meals
- A semiprivate room
- Medications
- Skilled nursing
- Physical therapy
- Occupational therapy
- Speech therapy
- Audiologist care
- Medical supplies
- Medical social services
- Nutritional counseling
- Ambulance transportation
What Isn’t Covered by Medicare?
Medicare does not cover long-term custodial care that addresses seniors’ day-to-day needs. This includes help with daily activities, such as bathing, dressing and using medical equipment.
For more information about Medicare and when it covers Nursing Home Care, read our Guide to Nursing Homes.
Seniors in Indiana can access support and information regarding the Medicare application process via several statewide agencies. The following resources help older adults understand their Medicare benefits, compare Medigap and Medicare Advantage Plans and protect themselves from fraud.
| Program | Contact | Description |
|---|---|---|
| State Health Insurance Assistance Program | (800) 452-4800 | SHIP is a free statewide program that provides unbiased health insurance options counseling for Medicare-eligible individuals. It's staffed by trained volunteers who can answer callers’ questions regarding Medicare coverage for nursing home care, along with their rights as policyholders and what to do if a claim is denied or their policy is canceled. SHIP counselors can also help seniors determine whether a Medigap or Medicare Advantage Plan could save them more money on long-term care expenses and screen for eligibility for Medicare Savings Programs. |
| Medicare.gov | (800) 633-4227 | The federal Medicare site publishes current information on Medicare coverage for hospital and medical care, including deductibles, premium amounts and late enrollment penalties. It provides resources for applying for Medicare, finding local resources to help with application and appeals processes and detailed information about Medicare cards. It also highlights the types of mail Medicare beneficiaries get, including the Get Ready for Medicare package, replacement Medicare card letters and the Medicare & You handbook. |
| BenefitsCheckUp | (800) 794-6559 | BenefitsCheckUp is a federal site that allows users to search the benefits programs in their state. Through this site, Hoosiers can learn about Medicare Savings Programs, including what the programs cover, who's eligible and how to apply. It also publishes detailed information on Nursing Home Medicaid, the Aged and Disabled Waiver, veterans’ benefits and the state’s CHOICE program. |
Other Financial Assistance Options for Nursing Home Care in Indiana
While Medicaid and Medicare are two of the most common programs used to pay for Nursing Home Care, there are other financial assistance options available, depending on your unique situation.
| How To Apply | How It Works | |
|---|---|---|
| Aid and Attendance | Learn more and apply online at va.gov. | Veterans who receive a VA pension may also be eligible for the Aid and Attendance benefit, a monthly cash allowance that veterans receive in addition to their standard pension amount. The benefit is intended for veterans in need of long-term care services and may be used towards paying for skilled nursing care. |
| Reverse Mortgages | Learn more about your options and how to apply at ftc.gov | If you own a home, you may be able to use a reverse mortgage to help pay for nursing care. Reverse mortgages are loans that one can take out against the value of their home, essentially converting some of the home's equity into cash. Reverse mortgage loans do need to be repaid with interest, typically within 12 months of receiving the loan. |
| Long-Term Care (LTC) Insurance | Learn more about Long-Term Care Insurance and how to apply for a policy at acl.gov. | Seniors who already have long-term care insurance may be able to use it to pay for skilled nursing care. Most policies cover at least a portion of the cost, but it depends on the specific policy terms. Note that older adults who are already in need of skilled nursing care will not typically be eligible to sign up for a LTC insurance policy. |
Free and Low-Cost Resources for Seniors in Indiana
There are many resources in Indiana that assist seniors in their retirement. caring.com has compiled information on local organizations, programs and agencies and categorized them into care types for easy reference.
Area Agency on Aging
Retirees can find support and advice on various senior-related issues from their local Area Agency on Aging. The agency provides advice on topics such as financial assistance programs, in-home care and long-term care planning. It also connects seniors and caregivers with community-based resources.
| Program Name | Phone Number | Description |
|---|---|---|
| Indiana Area Agencies on Aging | Area Agencies on Aging in Indiana support older adults and their caregivers by providing services ranging from case management, Medicare fraud prevention and referrals to local programs that support the daily needs of seniors. Sixteen agencies across Indiana work with local programs to provide services such as meal delivery, transportation to medical appointments, assistance paying for heating and cooling bills and training for caregivers. Indiana seniors can call a toll-free number to learn about additional services. |
Cash Assistance Programs
Cash assistance programs in Indiana provide financial support to help low-income retirees remain in their own homes for as long as possible. Seniors and caregivers can apply for tax rebates and reductions, discounts on vital services and help covering the cost of heating and cooling their home.
| Program Name | Phone Number | Description |
|---|---|---|
| Indiana Lifeline Program | 800-234-9473 | The LifeLine Program offers a discount on landline or mobile telephone service, ensuring that participants can stay in contact with loved ones. Contact your telephone company to begin the application process. |
| Indiana State Government Division of Family Resources | 800-403-0865 | Indiana State Government Division of Family Resources is responsible for administering cash assistance programs and benefits, including the Temporary Assistance for Needy Families (TANF) program. TANF offers temporary financial aid and support for low-income families with dependent children under the age of 18. Payments are based on a family's countable monthly income in relation to the size of the family. The program also offers support for basic needs, job training and employment services to help families work toward long-term self-sufficiency. |
Financial Assistance for Senior Care and Senior Living
Whether living in their own home or in a senior living community, Indiana seniors can find financial assistance from numerous local resources. These organizations help residents cover some of the costs associated with in-home or long-term care and connect them with other helpful community-based resources.
| Program Name | Phone Number | Description |
|---|---|---|
| Indiana's Aged and Disabled (A&D) Waiver | Hoosier Care participants whose health conditions make them eligible for state-funded care in a nursing home may be able to avoid placement with services provided by Indiana's Aged and Disabled (A&D) Waiver. This waiver pays for many different types of care services that support seniors in their own homes or in assisted living communities and stay out of the more intensive care offered at nursing homes. Services paid for or directly provided by the Indiana Aged and Disabled Waiver include: • Adult day health care • Assisted living expenses • Attendant Care • Self-directed attendant care in the home • Case management support • Transitional care • Home delivered meals • Personal emergency response system (PERS) hardware • Pest control • Respite care • Transportation • Personal vehicle modifications |
Food Assistance Programs
Local organizations help ensure elderly citizens have a balanced diet and receive essential vitamins and minerals to remain healthy. Through nutrition programs, congregate meals, home-delivered meals and food pantries, these programs help Indiana seniors afford the nutritious food they need.
| Program Name | Phone Number | Description |
|---|---|---|
| Indiana Meals on Wheels | Meals on Wheels is a food assistance program for Indiana seniors aged 60 and over. To qualify, seniors must have diminished mobility that makes meal preparation and shopping difficult. Seniors receive nutritious meals via home delivery or in a congregate setting at their local senior center. Meals are provided on a sliding scale, so they range from free to full price, and no senior is denied for inability to pay. The program also provides safety checks and friendly visits. | |
| Indiana State Government Division of Family Resources | 800-403-0864 | The Indiana Supplemental Nutrition Assistance Program helps low-income Indiana residents, including eligible seniors ages 60 and over, obtain healthy food. To qualify, seniors must meet financial, state residency and citizenship requirements. Financial criteria apply to income and asset limits. Seniors are given an electronic benefits transfer card known as the Hoosier Works card, which functions like a debit card and is accepted at most grocery stores for eligible food items. It can't be used for alcohol or tobacco. |
Free Used Medical Equipment
Due to the high cost of purchasing new medical equipment, several organizations in Indiana collect lightly used medical devices such as wheelchairs, ramps and walkers and distribute them to local seniors and residents in need.
| Program Name | Phone Number | Description |
|---|---|---|
| Indiana The National Federation of the Blind (NFB) | 410-659-9314 | NFB offers assistive equipment for blind and visually impaired people throughout the state. The program maintains a large inventory, but customers are encouraged to reserve equipment before a visit. |
| National Federation of the Blind | 410-659-9314 | The National Federation of the Blind operates a Free White Cane Program that distributes free canes to blind or visually impaired seniors. Seniors residing in any state, the District of Columbia or Puerto Rico are eligible to receive a free cane, provided they have a need for it. The National Federation website has information for seniors about deciding what size best fits them. Interested seniors can fill out an online application as often as every 6 months. |
Home Repair and Modifications
Seniors and those with disabilities can access a variety of local resources to help them pay for home repairs and modifications. Programs in Indiana have different eligibility criteria and often assist retirees by providing grants or loans.
| Program Name | Phone Number | Description |
|---|---|---|
| Department of Housing | 202-708-1112 | Indiana has several organizations that help low-income seniors in the state pay for vital repairs to their homes. One is the Indiana Affiliates of Habitat for Humanity, which rehabilitates homes so that seniors can stay living in them safely. Another is the Veterans Affairs Regional Loan Center, an organization that provides loans and grants to seniors who need to adapt their existing dwellings to meet their changing needs. |
| FHLBank Indianapolis | 800-442-2568 | FHLBank Indianapolis provides home repair and modification services to make homes more accessible for seniors with mobility issues. Participating FHLBank financial institutions fund grants through the Accessibility Modification Program, which serves homeowners 62 years or older and their dependents under 17 years old. Any seniors with disabilities can qualify for the program. Household income must be at or below 80% of the Area Median Income HUD Income Limits to qualify for assistance. |
| Indiana Housing and Community Development Authority | 800-872-0371 | Ramp Up Indiana is a Home Repair and Modifications program in Indianapolis, IN, that helps with mobility assistance. Homeowners with household wheelchair users or other mobility issues can apply for exterior ramp installation to improve home accessibility. The pre-built aluminum or steel ramps help reduce falls and improve the quality of life for residents with mobility problems. Ramp repair is also available through Ramp Up Indiana. |
| Indiana Rural Development State Office | 317-290-3100 | The Indiana Rural Development State Office administers Single Family Housing Repair Loans & Grants in Indiana. The USDA program is for homeowners aged 62 and older who live full-time in a residence, can't secure funding from another agency and meet the very low income guidelines for their county. Applicants must use grants to remove health and safety hazards, and loans can go toward repairing, improving or modernizing homes. Applications are available and accepted year-round at each area's local RD office. |
Legal Resources
Many organizations offer free or low-cost legal services to Indiana seniors. Older adults can access advice on issues such as estate planning, living wills and power of attorney. Some firms also act as long-term care ombudsmen, advocating for the rights of seniors in senior living communities.
| Program Name | Phone Number | Description |
|---|---|---|
| Indiana Adult Protective Services | 800-992-6978 | Adult Protective Services hears complaints about abuse or neglect of vulnerable adults in Indiana, including seniors. If a senior or family member submits a report to the local APS unit, It will investigate and take the necessary measures to protect the individual. |
| Indiana Legal Services | 844-243-8570 | This organization provides free legal assistance in civil cases for seniors who meet income limit requirements. It can help with matters such as wills and estates, advance care directives, guardianships and elder abuse. It also assists with consumer rights issues, including bankruptcy, wage garnishment, repossessions and predatory lending. |
| Indiana Long-Term Care Ombudsman | 800-622-4484 | The Indiana Long-Term Care Ombudsman program allows residents of assisted living communities to receive advocacy help. If a resident or resident's family member believes their rights are not being protected, they can contact the Ombudsman to get help. |
Senior Engagement
Senior engagement resources and programs in Indiana help older adults remain active and ensure they contribute to the community. Resources include wellness programs, volunteer opportunities, support groups and organizations that help residents connect with the community to live fulfilling lives.
| Program Name | Phone Number | Description |
|---|---|---|
| Indiana Dementia Friends | 317-254-5465 | Dementia Friends Indiana, a nonprofit run by CICOA Aging & In-Home Solutions, is a referral service that connects older adults with agencies that support those coping with cognitive decline. Through the organization's in-person and virtual events, including Memory Cafes and Become a Friend sessions, seniors and family members can meet others facing dementia-related challenges and learn techniques for safer home management. Loved ones can also access Help and Hope for Family Caregivers, a video series and workbook on navigating caregiving's demands. |
Social Security Offices
Social Security offices in Indiana help seniors and disabled people access the benefits they're entitled to. Older adults can contact their local office for information about receiving retirement benefits, disability allowance and Supplemental Security Income.
| Program Name | Phone Number | Description |
|---|---|---|
| Indiana Social Security | Social Security is a source of income available to retirees and people who can no longer work because of a disability. The money for Social Security comes from a payroll tax levied on employers, employees and self-employed individuals. When you retire, you'll receive monthly payments based on how much you earned when you were working. |
Tax Assistance
Seniors can apply for tax assistance from several Indiana resources. Elderly residents and those with disabilities could be eligible for tax exemptions on medical expenses, reductions on property tax and other tax assistance programs.
| Program Name | Phone Number | Description |
|---|---|---|
| Indiana Homestead and Over 65 Deduction | 800-457-8283 | Indiana's homestead deduction lowers the property tax burden for a resident's primary residence and up to 1 acre of land. The standard deduction is for a maximum assessed property value of $45,000 or 60% of the property's value, whichever is less. An additional deduction is available for seniors 65+ whose property value is $200,000 or less. Seniors may also apply for the Over 65 Circuit Breaker Credit, which limits how much their property taxes can increase each year. |
Utility & Energy Bill Assistance
Low-income seniors who are struggling to meet the costs of maintaining their homes can find support from organizations that offer assistance with utility and energy bills. Indiana retirees could also qualify for emergency funding programs if they're in danger of losing utility services due to unpaid invoices.
| Program Name | Phone Number | Description |
|---|---|---|
| Indiana Housing & Community Development Authority | 317-232-7777 | Energy assistance is available to Indiana residents who meet the program's financial restrictions, which are similar to Medicaid's income and asset limits. |
Veteran's Services
Indiana retirees who have served in the U.S. military can find support from local veteran services. These offices and organizations help vets access the benefits they're eligible for and provide advice and information on a variety of issues.
| Program Name | Phone Number | Description |
|---|---|---|
| Indiana VA Benefits and Health Care | Senior veterans and their dependents may receive state income tax exemptions, property tax exemptions, military retired pay and additional funds to help finance care via the Aid and Attendance program from the Indiana VA. Additionally, numerous medical services, including mental health, primary and specialty care, as well as social programs, can be accessed at the Richard L. Roudebush VA Medical Center in Indianapolis. In some cases, the Indiana VA's services are available remotely. |
Nursing Home Laws and Regulations in Indiana
| Topic | Rule |
|---|---|
| Licensing Requirements | SNFs, also called Comprehensive Care Facilities in Indiana, are licensed through the Comprehensive Care Facility Licensing and Certification Program. The Program surveys facilities to ensure they're following current laws, and it also investigates complaints. |
| Staffing Requirements | Indiana nursing homes must have sufficient nursing staff to provide for the mental, physical and psychosocial well-being of residents. This includes at least one awake staff person with current CPR and first aid certification for every 50 residents at all times. Staffing requirements also include a licensed nurse, and each resident should receive 0.5 licensed nurse hours daily. The facility must also have an RN on staff eight hours a day. |
| Staff Training Requirements | Certified Nursing Aides must be trained and certified to work in nursing homes. This requires a 105-hour training program and state certification. |
| Admission Restrictions | SNFs must only admit residents they can care for with their current services. If the resident’s medical or psychosocial needs are outside of what the facility can provide, it should not admit the resident. When admitting a new resident, the SNF must provide information about the Indiana Long-Term Care Ombudsman Program and how the resident or resident's family can contact it. |
| Care Planning Requirements | Nursing home staff must create personal care plans for each resident under the direction of the resident’s physician and the facility’s staff. In addition, it must consult and coordinate that care plan with at least one individual that the resident chooses, such as a family member. |
| Dietary and Nutritional Services Requirements | SNFs in Indiana must plan and serve three meals a day that include the daily nutritional requirements for residents. A registered dietitian must approve the menu. If a resident requires a modified diet, the attending physician must prescribe it. All food-handling and serving areas must meet state and local food-handling standards. |
| Specialized Rehabilitative Services | If a community cannot provide specialized rehabilitative services, it must arrange for them outside of the facility. This can include providing access to occupational, speech, hearing or physical therapies. |
| Medication and Pharmaceutical Services | Facilities that control and administer medication must consult with a pharmacist before doing so. SNFs also must train their staff on medication competence. All medications, including over-the-counter medications, must be labeled with appropriate instructions and expiration date. |
| Activities Requirements | Indiana nursing homes are required to have activities programs for their residents and to provide transportation to community-based activities. All nursing homes must employ an activities director. |
| Infection Control Requirements | Nursing homes must maintain infection control practices as outlined by the CDC. This includes identifying and controlling known infections and providing a sanitary community for residents. |
| Medicaid Coverage | Income-qualified seniors can use Medicaid benefits to cover some or all of their nursing home costs, provided the facility is approved to receive Medicaid payments. |
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