What government services provide money for senior housing?

Several government programs offer financial assistance for senior housing in various countries, focusing on the United States for a broad overview: Medicaid: Medicaid is a state and federally funded program that can cover the costs of nursing home care for those who meet eligibility criteria, including income and asset limits. Some states also offer Medicaid waivers that help pay for home and community-based services to prevent or delay nursing home placement. Medicare: Medicare, primarily a health insurance program for people aged 65 and over, does not cover long-term housing costs. However, it can cover short-term stays in a skilled nursing facility under specific conditions following a hospital stay. Section 202 Supportive Housing for the Elderly Program: This program provides housing for low-income seniors. It offers rental assistance and access to supportive services, such as cleaning, cooking, and transportation. Low-Income Housing Tax Credit (LIHTC) Properties: While not a direct subsidy, LIHTC encourages developers to create affordable housing. Seniors with low incomes can find reduced-rent apartments through this program. State and Local Programs: Many states, counties, and cities offer their own programs to assist seniors with housing costs. These can include property tax relief programs, rental assistance programs, and programs that offer affordable senior housing options. Veterans Affairs (VA): The VA offers several programs for veterans, including the Aid and Attendance benefit, which provides monthly payments to veterans who require the aid of another person, or are housebound, to help cover the cost of care in homes, nursing homes, and assisted living facilities. Social Security: While Social Security primarily provides retirement income, for many seniors, these benefits are a crucial part of their budget, including housing costs.

How do you pick the homes you recommend?

Before recommending homes, we conduct a thorough evaluation on crucial factors that define a senior home such as the quality of care they provide, the reputation of the organization, and a comprehensive review of community testimonials as well. Every detail is assessed to assure that seniors are offered not just senior care options, but trustworthy homes where they can experience the care that they deserve.

Do you help families that need Medicaid?

Yes. Assisting families who need Medicaid is important to us as it plays a crucial role in offering financial support to seniors confronting economic challenges. We would like to keep essential healthcare services accessible to all community members, irrespective of one’s financial circumstances.

How much does this service cost?

We extend our services at no cost, ensuring that families and seniors can benefit from tailored assistance in their search for care and home options. Our ability to offer personalized guidance without charge to families and seniors is made possible through the support and funding from the communities with which we team up.

What services do you offer?

Finding and ranking the best assisted living facilities Finding and ranking the best nursing homes Finding and ranking the best memory care facilities Our concierge service helps seniors move into the perfect home for them Helping seniors use medicare, medicaid, and other government programs to pay for their homes Helping seniors avoid senior homes that have bad service or fraud Helping seniors avoid senior homes that have bad service or fraud Autobiography & Family History Writing + Research Senior-focused concierge medicine Senior-focused nutritionist Senior-focused personal training Memory care specialists Custom wheelchairs at all price points. Custom hearing aids Cosmetic skincare + dermatology Companionship: We offer in-person and virtual companionship services. Someone engaging to hang out with or talk to on video chat. Senior housing concierge. Our service finds the best senior living options based on your needs, income, and personality.

Virtual Tours & Videos

Check out our photo album Check out our virtual tours Check out our home videos

Resident interviews at our senior living facilities

Check out our resident interviews

Harmony Waterloo | Iowa | Photos & Videos

Overview of Harmony Waterloo

Harmony Waterloo focuses on healing, wellness, and enriching lives through compassionate care. It offers a welcoming atmosphere where expert caregivers deliver personalized treatments. The facility provides services such as short-term rehabilitation, wound care, and orthopedic rehabilitation.

(319) 234-7777

Quality ratings

Measured by Centers for Medicare & Medicaid Services (CMS)

Nurse hours per resident 3.84/day Iowa avg: 4.30/day

Overall rating

3/5

Iowa avg: 3.1/5

Health Inspection

3/5

Iowa avg: 2.9/5

Staffing

4/5

Iowa avg: 3.5/5

Quality Measures

4/5

Iowa avg: 3.3/5

Capacity and availability

Smaller home

May offer a more intimate, personalized care environment.

Total beds 97

This home usually has availability

Lower occupancy suggests more openings may be available.

70.7%

TYPE OF STAY

Mix of rehab and long-term care

This home supports both short-term rehab and long-term care, with residents staying for a wide range of durations.

Might be optimal for

Flexible care needs

How we assess these insights Show admissions and discharges

Breakdown by payment type

Medicare

18% of new residents, usually for short-term rehab.

Typical stay 1 - 2 months

Private pay

52% of new residents, often for short stays.

Typical stay 1 - 2 months

Medicaid

30% of new residents, often for long-term daily care.

Typical stay 9 - 10 months

Finances and operations

Home revenue

$8.4M

Surplus of revenue

$220.9K

Voluntary non-profit home Other

Home revenue

$8,351,762.00

Surplus of revenue

$220,881.00

Payroll costs

$2.6M

31.5% of revenue

Other operating costs

$5.5M

Total costs $8.1M

About this community

Care Services

Nursing Services

Rehabilitation Services

Respite Care

Skilled Nursing

Licensed Nurses/CNAs

Short-Term Rehab

Amenities & Lifestyle

Programs & Activities

Specific Programs

Short-Term Rehabilitation, Wound Care, Orthopedic Rehabilitation, Stroke & Other Neurological Conditions

Compare Nursing Homes around Iowa

Akron Care Center, INC

SNF

IA 510017716

CITY OF AKRON

98.1%

$4,650,730.00

$2,144,112.00

46.1%

42.00

4/5

4.7098

4/5

5/5

1/5

+10%

+30%

Accura HealthCare of Carlisle

SNF

IA 500478733

AMERICAN HEALTHCARE ASSOCIATES INC

80.5%

$4,098,046.00

$2,453,646.00

59.9%

38.90

4/5

5.8515

3/5

5/5

4/5

+36%

+7%

Harmony Waterloo

SNF

IA 507014235

KNAPP, JUSTIN

70.7%

$8,300,121.00

$2,628,561.00

31.7%

72.70

3/5

3.8444

3/5

4/5

-11%

-6%

Accura Healthcare of Spirit Lake

SNF

IA 513601000

66.6%

$7,053,735.00

$3,009,392.00

42.7%

65.20

1/5

4.2922

1/5

4/5

3/5

-12%

Accura Healthcare of Lake City, LLC

SNF

IA 514499701

ACCURA HEALTHCARE OF THE HEARTLAND LLC

70.4%

$2,045,587.00

$969,532.00

47.4%

39.80

1/5

5.1665

1/5

4/5

1/5

+20%

-7%

Akron Care Center, INC

Type of care: SNF AL

Community: IA 510017716

Bed Count: 45

Pets Allowed: No

Operator: CITY OF AKRON

CCN: 165595

Occupancy: 98.1%

Home Revenue: $4,650,730.00

Payroll Costs: $2,144,112.00

Payroll %: 46.1%

Avg Residents/Day: 42.00

Overall Rating: 4/5

Adj Nurse Hours: 4.7098

Health Insp Rating: 4/5

Staffing Rating: 5/5

QM Rating: 1/5

Citations: 4

RN share vs State Avg:

+15%

Staffing vs State Avg:

+10%

Occupancy vs State Avg:

+30%

Accura HealthCare of Carlisle

Type of care: SNF AL

Community: IA 500478733

Bed Count: 46

Pets Allowed: No

Operator: AMERICAN HEALTHCARE ASSOCIATES INC

CCN: 165311

Occupancy: 80.5%

Home Revenue: $4,098,046.00

Payroll Costs: $2,453,646.00

Payroll %: 59.9%

Avg Residents/Day: 38.90

Overall Rating: 4/5

Adj Nurse Hours: 5.8515

Health Insp Rating: 3/5

Staffing Rating: 5/5

QM Rating: 4/5

Citations: 17

Severe Citations: 2

RN share vs State Avg:

-40%

Staffing vs State Avg:

+36%

Occupancy vs State Avg:

+7%

Harmony Waterloo

Type of care: SNF AL

Community: IA 507014235

Bed Count: 97

Pets Allowed: No

Operator: KNAPP, JUSTIN

CCN: 165034

Occupancy: 70.7%

Home Revenue: $8,300,121.00

Payroll Costs: $2,628,561.00

Payroll %: 31.7%

Avg Residents/Day: 72.70

Overall Rating: 3/5

Adj Nurse Hours: 3.8444

Health Insp Rating: 3/5

Staffing Rating: 4/5

QM Rating: 4/5

Number of Fines: 1

Citations: 23

Severe Citations: 1

RN share vs State Avg:

-27%

Staffing vs State Avg:

-11%

Occupancy vs State Avg:

-6%

Accura Healthcare of Spirit Lake

Type of care: SNF AL

Community: IA 513601000

Bed Count: 85

Pets Allowed: No

CCN: 165528

Occupancy: 66.6%

Home Revenue: $7,053,735.00

Payroll Costs: $3,009,392.00

Payroll %: 42.7%

Avg Residents/Day: 65.20

Overall Rating: 1/5

Adj Nurse Hours: 4.2922

Health Insp Rating: 1/5

Staffing Rating: 4/5

QM Rating: 3/5

Number of Fines: 1

Citations: 21

Severe Citations: 1

RN share vs State Avg:

-8%

Staffing vs State Avg: 0%

Occupancy vs State Avg:

-12%

Accura Healthcare of Lake City, LLC

Type of care: SNF AL

Community: IA 514499701

Bed Count: 46

Pets Allowed: No

Operator: ACCURA HEALTHCARE OF THE HEARTLAND LLC

CCN: 165082

Occupancy: 70.4%

Home Revenue: $2,045,587.00

Payroll Costs: $969,532.00

Payroll %: 47.4%

Avg Residents/Day: 39.80

Overall Rating: 1/5

Adj Nurse Hours: 5.1665

Health Insp Rating: 1/5

Staffing Rating: 4/5

QM Rating: 1/5

Number of Fines: 4

Citations: 39

Severe Citations: 4

RN share vs State Avg:

-33%

Staffing vs State Avg:

+20%

Occupancy vs State Avg:

-7%

Waterloo, IA 507014235

Calculate Travel Distance to Harmony Waterloo

Add your location

118

Total Staff

111

Employees

Contractors

28,323

Total Hours (Quarter)

Avg Staff/Day

6.9

Avg Shift (hrs)

Nursing Staff Breakdown

Role ⓘ	Count ⓘ	Avg Shift (hrs) ⓘ	Uses Contractors? ⓘ
Registered Nurse	10	7.4	Yes
Licensed Practical Nurse	13	7.1	No
Certified Nursing Assistant	57	6.9	No

Staff by Category

Administration

2 staff

7.8hs shift avg

Nursing Staff

88 staff

7.2hs shift avg

Physicians & Practitioners

3 staff

8hs shift avg

Therapy Services

18 staff

3.7hs shift avg

Activities & Recreation

1 staff

7.7hs shift avg

Social Services

2 staff

2.1hs shift avg

Dietary Services

3 staff

5.9hs shift avg

Other Services

1 staff

8hs shift avg

Contractor Analysis

2.2%

of total hours from contractors

620 contractor hours this quarter

Registered Nurse: 1 Therapeutic Recreation Specialist: 1 Occupational Therapy Aide: 2 Occupational Therapy Assistant: 2 Medical Director: 1

Role ⓘ	Employees ⓘ	Contractors ⓘ	Total Staff ⓘ	Total Hours ⓘ	Days Worked ⓘ	% of Days ⓘ	Avg Shift (hrs) ⓘ
Certified Nursing Assistant	57	0	57	13,483	91	100%	6.9
Licensed Practical Nurse	13	0	13	4,532	91	100%	7.1
Registered Nurse	9	1	10	2,958	91	100%	7.4
Medication Aide/Technician	8	0	8	2,464	91	100%	8.6
Clinical Nurse Specialist	2	0	2	984	64	70%	8
Other Dietary Services Staff	2	0	2	635	82	90%	5
Dental Services Staff	1	0	1	496	62	68%	8
Nurse Practitioner	1	0	1	494	62	68%	8
Therapeutic Recreation Specialist	0	1	1	470	61	67%	7.7
Dietitian	1	0	1	448	56	62%	8
Administrator	1	0	1	424	53	58%	8
Physical Therapy Aide	4	0	4	362	68	75%	4.9
Physical Therapy Assistant	3	0	3	203	63	69%	3.1
Respiratory Therapy Technician	4	0	4	135	51	56%	2.4
Occupational Therapy Aide	0	2	2	97	14	15%	5.7
Speech Language Pathologist	3	0	3	55	10	11%	5.5
Qualified Social Worker	2	0	2	48	23	25%	2.1
Occupational Therapy Assistant	0	2	2	24	13	14%	1.9
Medical Director	0	1	1	15	3	3%	5

View All Staffing Data

Total Health inspections 9

84% above Iowa average

Iowa average: 4.9

Last Health inspection on Oct 2025

Total Health citations 23

6% above Iowa average

Iowa average: 21.7

2.56 citations per inspection (avg)

Citations origin

Citations can result from standard inspections or complaint-based investigations.

Standard inspections 16 citations

Complaint investigations 12 citations

Breakdown of citations

Critical Health citations 1

67% above Iowa average

Iowa average: 0.6

Serious Health citations 0

100% below Iowa average

Iowa average: 0.9

Moderate Health citations 22

Minor Health citations 0

Citations history (last 3 years)

Abuse/Neglect critical citation Oct 30, 2025

Corrected

Abuse/Neglect moderate citation May 01, 2025

Corrected

Care Planning moderate citation Jan 15, 2025

Corrected

Care Planning moderate citation Jan 15, 2025

Corrected

Ownership: For-Profit LLC

Resident Census by Payment Source

80 Total Residents

Medicare 7 (8.8%)

Medicaid 60 (75%)

Private Pay/Other 13 (16.3%)

Programs & Services

Residents' Group

Family Engagement

Active councils help families stay involved in care decisions and facility operations.

Active Resident Council

High-risk clinical events score 9.9

Near Iowa average

Iowa average: 10.2

Functional decline score 22.7

Near Iowa average

Iowa average: 21.6

Long-Stay Resident Measures

Need for Help with Daily Activities Increased 10.6%

44% below Iowa average.

Walking Ability Worsened 22.7%

15% above Iowa average.

Low Risk Long-Stay Residents with Bowel/Bladder Incontinence 34.7%

32% above Iowa average.

Falls with Major Injury 0.4%

90% below Iowa average.

High Risk Residents with Pressure Ulcers 5.5%

26% above Iowa average.

Urinary Tract Infection 5.2%

109% above Iowa average.

Depressive Symptoms 6.7%

72% above Iowa average.

Antipsychotic Use 24.6%

29% above Iowa average.

Pneumococcal Vaccine 91.5%

3% below Iowa average.

Influenza Vaccine 92.2%

3% below Iowa average.

Lost Too Much Weight 10.2%

103% above Iowa average.

Short-stay resident measures

Pneumococcal Vaccine 77.8%

9% worse than Iowa average

Antipsychotic medication increase 4.2%

128% worse than Iowa average

Influenza Vaccine 28.2%

62% worse than Iowa average

Total fines amount $11K

This home paid 78% less in fines than the state average.

Iowa average: $48K

Number of Fines 1

This home received 41% fewer fines than the state average.

Iowa average: 1.7

Payment Denials 0

This home had 100% fewer payment denials than the state average.

Iowa average: 0.5

Penalty History

Penalties are imposed by CMS for violations of federal nursing home regulations.

Civil Money Penalty Feb 16, 2023

$11K

Last updated: Jan 2026

Financial Trends

Historical financial and operational data for Harmony Waterloo based on CMS SNF Cost Reports.

Occupancy Rate 77.6% ↑ 7.6pp vs 2022

Net Income $542,169 ↑ ~$1.2M vs 2022

Total Payroll $3,402,094 ↓ ~$770K vs 2022

Profit Margin 7.2% ↑ 14.3pp vs 2022

Loading trend charts...

Metric	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Occupancy %	77.6%	79.2%	78.4%	71.6%	57.4%	69.5%	68.5%	81.0%	78.6%	67.3%	70.0%	77.6%
Beds	97	97	97	97	97	97	97	97	97	97	97	97
Net Income	$431,193	$164,681	$185,987	-$211,728	-$1,065,910	-$844,701	-$1,032,652	$329,269	$722,461	$143,839	-$610,661	$542,169
Gross Revenue	$11,602,516	$12,394,079	$13,334,824	$13,099,683	$9,306,637	$10,164,747	$8,814,688	$10,191,652	$9,343,142	$7,710,788	$8,598,001	$7,529,853
Operating Expenses	$8,278,296	$8,554,320	$8,462,375	$8,478,410	$7,455,853	$7,963,747	$7,654,545	$7,236,859	$7,058,221	$6,568,022	$7,313,428	$5,901,991
Net Patient Revenue	$8,698,796	$8,709,950	$8,640,841	$8,265,126	$6,388,375	$7,114,124	$6,617,898	$7,562,215	$7,345,779	$6,361,587	$6,697,660	$6,340,054
Total Payroll	$4,342,466	$4,576,993	$4,647,776	$4,538,199	$3,890,128	$4,104,207	$3,803,169	$4,260,596	$4,092,964	$3,686,353	$4,172,054	$3,402,094
Profit Margin %	3.7%	1.3%	1.4%	-1.6%	-11.5%	-8.3%	-11.7%	3.2%	7.7%	1.9%	-7.1%	7.2%
Medicare %	41.1%	38.3%	36.2%	39.7%	27.9%	19.8%	11.5%	9.7%	6.3%	6.9%	4.2%	4.3%
Medicaid %	31.3%	36.5%	36.6%	31.6%	43.5%	44.3%	55.4%	54.5%	57.0%	63.0%	72.8%	64.1%
Private %	27.6%	25.2%	27.2%	28.8%	28.6%	35.9%	33.1%	35.8%	36.8%	30.1%	23.0%	31.7%
Revenue/Day	$316	$311	$311	$326	$314	$289	$273	$264	$263	$267	$270	$277
Cost/Day	$300	$305	$305	$334	$366	$324	$316	$252	$253	$276	$295	$258
Avg Length of Stay	40.5 days	47.1 days	43.4 days	35.2 days	42.1 days	46.8 days	48.4 days	61.0 days	70.0 days	100.1 days	81.7 days	96.5 days

Guides for Better Senior Living

Care Cost Calculator: See Prices in Your Area

Nursing Home Data Explorer

Don’t Wait Too Long: 7 Red Flag Signs Your Parent Needs Assisted Living Now

The True Cost of Assisted Living in 2025 – And How Families Are Paying For It

Understanding Senior Living Costs: Pricing Models, Discounts & Financial Assistance

Elderly Waiver

Iowa Medicaid Elderly Waiver

General: Age 65+, Iowa resident, Medicaid-eligible, nursing home-level care need.

Income Limits (2025): ~$2,829/month (300% FBR, individual).

Asset Limits: $2,000 (individual), $3,000 (couple).

IA Specifics: Rural focus; waitlists possible.

Iowa Family Caregiver Support

IA NFCSP

General: Caregiver of someone 60+, Iowa resident.

Income Limits: No strict limit; prioritizes low-income.

Asset Limits: Not applicable.

IA Specifics: Limited slots; rural emphasis.

Medicare Savings Program (MSP)

Iowa Medicare Savings Program

General: Age 65+ or disabled, Iowa resident, Medicare Part A/B.

Income Limits (2025): ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.

Asset Limits: $9,430 (individual), $14,130 (couple).

IA Specifics: Three tiers; no waitlist.

Program of All-Inclusive Care for the Elderly (PACE)

Iowa PACE

General: Age 55+, Iowa resident, nursing home-level care need, safe with PACE support.

Income Limits (2025): ~$2,829/month (300% FBR, Medicaid-eligible).

Asset Limits: $2,000 (individual), $3,000 (couple).

IA Specifics: Limited to western Iowa (e.g., Council Bluffs); expanding slowly.

Senior Community Service Employment Program (SCSEP)

Iowa SCSEP

General: Age 55+, unemployed, low-income, Iowa resident.

Income Limits (2025): ~$1,983/month (125% FPL).

Asset Limits: Not specified; income-focused.

IA Specifics: Priority for veterans, rural residents.

VA Aid and Attendance (A&A) and Housebound Benefits

Iowa VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, Iowa resident, wartime service, need for ADL help (A&A) or homebound.

Income Limits (2025): Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.

Asset Limits: ~$155,356 (net worth limit).

IA Specifics: High veteran demand in rural areas.

Able Up Iowa

General: Age 65+ or disabled, Iowa resident, ability to repay loan, need for assistive tech or mods.

Income Limits (2025): No strict limit; must demonstrate repayment capacity.

Asset Limits: Not specified; credit-based.

IA Specifics: Loans up to $25,000; statewide via Easterseals partnership.

Harmony Waterloo

Harmony Waterloo is a Nursing Home in Iowa

Harmony Waterloo is a Nursing Home in Iowa

Harmony Waterloo

Harmony Waterloo is a Nursing Home in Iowa

Harmony Waterloo is a Nursing Home in Iowa

Quality ratings

Capacity and availability

Smaller home

This home usually has availability

Who this home usually serves

Mix of rehab and long-term care

Breakdown by payment type

Medicare

Private pay

Medicaid

Finances and operations

About this community

Care Services

Amenities & Lifestyle

Programs & Activities

Compare Nursing Homes around Iowa

Places of interest near Harmony Waterloo

Calculate Travel Distance to Harmony Waterloo

Staffing Data

Nursing Staff Breakdown

Staff by Category

Contractor Analysis

Health Inspection History

Breakdown of citations

Citations history (last 3 years)

Facility Characteristics

Resident Census by Payment Source

Programs & Services

Family Engagement

Quality of care over time

Long-Stay Resident Measures

Daily care & independence

Safety & clinical stability

Emotional & behavioral wellbeing

Preventive care

Nutrition & physical health

Short-stay resident measures

Penalties and fines

Penalty History

Financial Trends

Occupancy Rate

Financial Performance

Payroll & Labor Costs

Payer Mix

Revenue vs Cost Per Patient Day

Guides for Better Senior Living

Eldertainment

Financial Aid for Iowa Seniors

Elderly Waiver

Iowa Family Caregiver Support

Medicare Savings Program (MSP)

Program of All-Inclusive Care for the Elderly (PACE)

Senior Community Service Employment Program (SCSEP)

VA Aid and Attendance (A&A) and Housebound Benefits

Able Up Iowa

Touring Checklist for Senior Living

Location

Community Spaces and Overall Environment

Services

Staffing

Accommodations

Finances

Other Notes

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