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.

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Resident interviews at our senior living facilities

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Carmel Manor | Kentucky | Photos & Videos

Overview of Carmel Manor

Carmel Manor is a skilled nursing and personal care community located in Ft. Thomas, Kentucky. It offers a range of services including skilled nursing, memory care, personal care, and rehabilitation. The facility is dedicated to providing compassionate care in a welcoming environment.

8597815111

Quality ratings

Measured by Centers for Medicare & Medicaid Services (CMS)

Nurse hours per resident 4.56/day

Overall rating

1/5

Health Inspection

1/5

Staffing

4/5

Quality Measures

1/5

Capacity and availability

Medium-capacity home

Offers a balance of services and community atmosphere.

Total beds 175

This home usually has availability

Lower occupancy suggests more openings may be available.

53.5%

TYPE OF STAY

Primarily short stays

Residents typically stay for brief periods, with frequent admissions and discharges throughout the year.

Might be optimal for

Post-acute recovery Temporary care Transitional stays

How we assess these insights Show admissions and discharges

Breakdown by payment type

Medicare

19% of new residents, usually for short-term rehab.

Typical stay 1 - 2 months

Private pay

67% of new residents, often for short stays.

Typical stay 4 - 5 months

Medicaid

14% of new residents, often for long-term daily care.

Typical stay 1 - 2 years

Finances and operations

Home revenue

$13.3M

Operating deficit

-$4.5M

Voluntary non-profit home Church

Home revenue

$13,349,438.00

Operating deficit

$-4,458,192.00

Payroll costs

$3.8M

28.6% of revenue

Other operating costs

$14.0M

Total costs $17.8M

175-bed community

A large-scale community that may provide a wide range of amenities, services, and structured programs.

1 year in operation

A newer community that may feature more recent facilities and programs.

About this community

License Status

Active

Facility Type

Long Term Care (Nursing Facility, Personal Care)

License Date

January 1, 2025

Additional licensing details

License number: 100056

CMS Certification Number: 185208

County: CAMPBELL

Ownership & operating entity

Carmel Manor is administrated by JENA QUINN-SEXTON.

Owner name: CARMEL MANOR

Care Services

Nursing Services

Rehabilitation Services

Memory Care

Skilled Nursing

Licensed Nurses/CNAs

Short-Term Rehab

All Levels of Care

Skilled Nursing

Memory Care

Personal Care

Rehab

Amenities & Lifestyle

Programs & Activities

Specific Programs

Skilled Nursing, Memory Care, Personal Care, Rehab, Admissions, About Us, Our Mission, The Carmelite Sisters, Our Staff, Testimonials, Resources, Events, Careers

Show Inspection Reports

Compare Nursing Homes around Kentucky

Bedford Springs Health and Rehabilitation

SNF

KY 40006

HAWLEY, KAIJON

82.1%

$4,894,268.00

$1,913,420.00

39.1%

48.40

5/5

3.1565

4/5

2/5

5/5

Barren County Nursing and Rehabilitation

SNF

KY 42141

HERBSTMAN, MOSHE

82.7%

$8,631,885.00

$2,825,267.00

32.7%

88.30

4/5

3.2236

4/5

2/5

Berea Health and Rehabilitation

SNF

KY 40403

BROOKS, PAMELA

92.2%

$9,798,049.00

$3,914,754.00

40%

78.90

3/5

2.9021

4/5

1/5

4/5

Auburn Nursing and Rehabilitation Center

SNF

KY 42206

BOLSTER, NANCY

62.0%

$4,023,909.00

$1,805,984.00

44.9%

49.60

3/5

1.4392

4/5

1/5

2/5

Carmel Manor

SNF

KY 41075

175

THE CARMELITE SISTERS FOR THE AGED AND INFIRM

53.5%

$13,190,739.00

$3,824,600.00

29%

85.80

1/5

4.5639

1/5

4/5

1/5

Bedford Springs Health and Rehabilitation

Type of care: SNF AL

Community: KY 40006

Bed Count: 60

Pets Allowed: No

Operator: HAWLEY, KAIJON

CCN: 185358

Occupancy: 82.1%

Home Revenue: $4,894,268.00

Payroll Costs: $1,913,420.00

Payroll %: 39.1%

Avg Residents/Day: 48.40

Overall Rating: 5/5

Adj Nurse Hours: 3.1565

Health Insp Rating: 4/5

Staffing Rating: 2/5

QM Rating: 5/5

Barren County Nursing and Rehabilitation

Type of care: SNF AL

Community: KY 42141

Bed Count: 94

Pets Allowed: No

Operator: HERBSTMAN, MOSHE

CCN: 185229

Occupancy: 82.7%

Home Revenue: $8,631,885.00

Payroll Costs: $2,825,267.00

Payroll %: 32.7%

Avg Residents/Day: 88.30

Overall Rating: 4/5

Adj Nurse Hours: 3.2236

Health Insp Rating: 4/5

Staffing Rating: 2/5

QM Rating: 2/5

Number of Fines: 1

Berea Health and Rehabilitation

Type of care: SNF AL

Community: KY 40403

Bed Count: 84

Pets Allowed: No

Operator: BROOKS, PAMELA

CCN: 185384

Occupancy: 92.2%

Home Revenue: $9,798,049.00

Payroll Costs: $3,914,754.00

Payroll %: 40%

Avg Residents/Day: 78.90

Overall Rating: 3/5

Adj Nurse Hours: 2.9021

Health Insp Rating: 4/5

Staffing Rating: 1/5

QM Rating: 4/5

Number of Fines: 2

Auburn Nursing and Rehabilitation Center

Type of care: SNF AL

Community: KY 42206

Bed Count: 66

Pets Allowed: No

Operator: BOLSTER, NANCY

CCN: 185049

Occupancy: 62.0%

Home Revenue: $4,023,909.00

Payroll Costs: $1,805,984.00

Payroll %: 44.9%

Avg Residents/Day: 49.60

Overall Rating: 3/5

Adj Nurse Hours: 1.4392

Health Insp Rating: 4/5

Staffing Rating: 1/5

QM Rating: 2/5

Carmel Manor

Type of care: SNF AL

Community: KY 41075

Bed Count: 175

Pets Allowed: No

Operator: THE CARMELITE SISTERS FOR THE AGED AND INFIRM

CCN: 185208

Occupancy: 53.5%

Home Revenue: $13,190,739.00

Payroll Costs: $3,824,600.00

Payroll %: 29%

Avg Residents/Day: 85.80

Overall Rating: 1/5

Adj Nurse Hours: 4.5639

Health Insp Rating: 1/5

Staffing Rating: 4/5

QM Rating: 1/5

Number of Fines: 8

FORT THOMAS, KY 41075

Calculate Travel Distance to Carmel Manor

Add your location

276

Total Staff

111

Employees

165

Contractors

37,152

Total Hours (Quarter)

Avg Staff/Day

8.5

Avg Shift (hrs)

Nursing Staff Breakdown

Role ⓘ	Count ⓘ	Avg Shift (hrs) ⓘ	Uses Contractors? ⓘ
Registered Nurse	33	8.5	Yes
Licensed Practical Nurse	62	9.5	Yes
Certified Nursing Assistant	147	8.9	Yes

Staff by Category

Administration

2 staff

8hs shift avg

Nursing Staff

246 staff

9hs shift avg

Physicians & Practitioners

8 staff

8.7hs shift avg

Therapy Services

10 staff

5.7hs shift avg

Activities & Recreation

0 staff

0hs shift avg

Social Services

1 staff

5.2hs shift avg

Dietary Services

5 staff

7.4hs shift avg

Other Services

4 staff

7.6hs shift avg

Contractor Analysis

27.4%

of total hours from contractors

10,181 contractor hours this quarter

Certified Nursing Assistant: 83 Registered Nurse: 22 Occupational Therapy Assistant: 1 Licensed Practical Nurse: 49 Speech Language Pathologist: 2 Physical Therapy Aide: 2 Qualified Social Worker: 1 Physical Therapy Assistant: 1 Respiratory Therapy Technician: 3 Administrator: 1

Role ⓘ	Employees ⓘ	Contractors ⓘ	Total Staff ⓘ	Total Hours ⓘ	Days Worked ⓘ	% of Days ⓘ	Avg Shift (hrs) ⓘ
Certified Nursing Assistant	64	83	147	18,790	91	100%	8.9
Licensed Practical Nurse	13	49	62	7,320	91	100%	9.5
Registered Nurse	11	22	33	3,447	90	99%	8.5
Clinical Nurse Specialist	7	0	7	2,395	88	97%	8.9
Other Dietary Services Staff	4	0	4	1,050	86	95%	7.1
Administrator	1	1	2	512	64	70%	8
Nurse Practitioner	1	0	1	504	63	69%	8
Dietitian	1	0	1	504	63	69%	8
Mental Health Service Worker	2	0	2	496	58	64%	8
Respiratory Therapy Technician	0	3	3	461	64	70%	7.1
Physical Therapy Assistant	0	1	1	430	64	70%	6.7
Occupational Therapy Aide	1	0	1	419	58	64%	7.2
Qualified Social Worker	0	1	1	340	65	71%	5.2
Physical Therapy Aide	0	2	2	165	40	44%	4.1
Speech Language Pathologist	0	2	2	157	53	58%	2.8
Medication Aide/Technician	4	0	4	112	16	18%	7
Dental Services Staff	2	0	2	26	7	8%	3.8
Occupational Therapy Assistant	0	1	1	25	5	5%	5

View All Staffing Data

Total Health inspections 5

72% above Kentucky average

Kentucky average: 2.9

Last Health inspection on Jul 2025

Total Health citations 37

174% above Kentucky average

Kentucky average: 13.5

7.4 citations per inspection (avg)

Citations origin

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

Standard inspections 16 citations

Complaint investigations 21 citations

Breakdown of citations

Critical Health citations 7

536% above Kentucky average

Kentucky average: 1.1

Serious Health citations 4

567% above Kentucky average

Kentucky average: 0.6

Moderate Health citations 26

Minor Health citations 0

Citations history (last 3 years)

Abuse/Neglect critical citation Jul 24, 2025

Corrected

Abuse/Neglect critical citation Jul 24, 2025

Corrected

Abuse/Neglect critical citation Jul 24, 2025

Corrected

Administration critical citation Jul 24, 2025

Corrected

Ownership: Non-Profit Corporation

Resident Census by Payment Source

81 Total Residents

Medicare 3 (3.7%)

Medicaid 56 (69.1%)

Private Pay/Other 22 (27.2%)

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 15.1

44% worse than Kentucky average

Kentucky average: 10.5

Functional decline score 32.7

73% worse than Kentucky average

Kentucky average: 18.9

Long-Stay Resident Measures

Need for Help with Daily Activities Increased 28.4%

69% above Kentucky average.

Walking Ability Worsened 30.4%

55% above Kentucky average.

Low Risk Long-Stay Residents with Bowel/Bladder Incontinence 39.4%

92% above Kentucky average.

Falls with Major Injury 3.6%

3% below Kentucky average.

High Risk Residents with Pressure Ulcers 4.3%

26% below Kentucky average.

Urinary Tract Infection 1.9%

1% below Kentucky average.

Depressive Symptoms 4.1%

71% below Kentucky average.

Antipsychotic Use 11.8%

24% below Kentucky average.

Pneumococcal Vaccine 98.8%

5% above Kentucky average.

Influenza Vaccine 100.0%

4% above Kentucky average.

Lost Too Much Weight 8.6%

27% above Kentucky average.

Short-stay resident measures

Pneumococcal Vaccine 99.0%

18% better than Kentucky average

Antipsychotic medication increase 4.6%

135% worse than Kentucky average

Influenza Vaccine 86.1%

Near Kentucky average

Total fines amount $312K

This home paid 395% more in fines than the state average.

Kentucky average: $63K

Number of Fines 3

This home received 30% more fines than the state average.

Kentucky average: 2.3

Payment Denials 1

This home had 206% more payment denials than the state average.

Kentucky average: 0.3

Penalty History

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

Civil Money Penalty Jul 24, 2025

$292K

Civil Money Penalty Mar 15, 2025

$10K

Civil Money Penalty Mar 15, 2025

$10K

Payment Denial Mar 15, 2025

4 days

Last updated: Jan 2026

Financial Trends

Historical financial and operational data for Carmel Manor based on CMS SNF Cost Reports.

Occupancy Rate 53.5% ↑ 14.9pp vs 2022

Net Income -$4,458,192 ↓ ~$326K vs 2022

Total Payroll $8,639,038 ↑ ~$681K vs 2022

Profit Margin -33.8% ↑ 7.5pp vs 2022

Loading trend charts...

Metric	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Occupancy %	75.4%	74.7%	69.2%	67.5%	63.6%	57.5%	60.5%	61.2%	55.6%	40.3%	35.0%	38.7%	53.5%
Beds	145	145	145	145	145	145	175	175	175	175	175	175	175
Net Income	$217,293	$408,040	$658,673	$598,533	-$334,795	-$309,133	-$411,160	-$1,409,934	$625,577	-$3,366,004	$28,293	-$4,132,669	-$4,458,192
Gross Revenue	$8,861,143	$8,860,617	$8,488,706	$9,272,679	$9,061,432	$8,223,555	$12,551,516	$13,286,624	$12,754,075	$9,430,037	$8,395,301	$10,015,625	$13,190,739
Operating Expenses	$7,341,589	$7,441,097	$7,407,098	$7,604,209	$8,279,747	$7,928,838	$11,781,309	$12,458,156	$12,279,672	$12,914,146	$10,153,233	$13,528,056	$15,226,463
Net Patient Revenue	$7,214,943	$7,251,761	$7,137,918	$7,519,095	$7,458,218	$6,801,143	$10,368,750	$10,763,504	$10,306,905	$7,509,407	$6,868,663	$8,061,999	$10,609,572
Total Payroll	$5,132,030	$5,179,946	$5,189,336	$5,380,766	$5,352,048	$5,126,809	$7,984,970	$8,085,557	$7,269,962	$6,434,745	$5,859,782	$7,957,844	$8,639,038
Profit Margin %	2.5%	4.6%	7.8%	6.5%	-3.7%	-3.8%	-3.3%	-10.6%	4.9%	-35.7%	0.3%	-41.3%	-33.8%
Medicare %	5.4%	5.1%	5.6%	6.8%	5.8%	3.1%	10.0%	8.3%	6.0%	5.1%	7.0%	7.1%	4.6%
Medicaid %	30.0%	28.1%	29.2%	30.1%	31.0%	26.6%	27.4%	32.5%	30.8%	35.8%	36.5%	42.4%	41.7%
Private %	64.6%	66.8%	65.2%	63.2%	63.2%	70.3%	62.6%	59.3%	63.2%	59.1%	56.5%	50.5%	53.7%
Revenue/Day	$182	$183	$195	$210	$222	$223	$268	$275	$290	$291	$307	$326	$310
Cost/Day	$186	$188	$202	$213	$246	$260	$305	$319	$346	$501	$454	$548	$445
Avg Length of Stay	318.3 days	445.9 days	289.3 days	411.3 days	405.8 days	686.9 days	318.2 days	228.5 days	123.3 days	204.0 days	132.4 days	137.9 days	197.2 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

Home and Community Based Waiver

Kentucky Medicaid HCB Waiver

General: Age 65+ or disabled, Kentucky 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).

KY Specifics: Rural focus; waitlists possible.

Hart-Supported Living Program

KY Hart-Supported Living

General: Age 65+ or disabled, Kentucky resident.

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

Asset Limits: Not applicable.

KY Specifics: Competitive grants; limited availability.

Kentucky Homecare Program

General: Age 60+, Kentucky resident, at risk of nursing home placement, not eligible for Medicaid waivers.

Income Limits (2025): No strict limit; prioritizes low-income (~$24,980/year individual).

Asset Limits: Not assessed; need-based focus.

KY Specifics: 15 AAAs; rural focus; not in nursing homes.

Medicare Savings Program (MSP)

Kentucky Medicare Savings Program

General: Age 65+ or disabled, Kentucky 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).

KY Specifics: Three tiers; no waitlist; auto Extra Help for Part D.

National Family Caregiver Support Program (NFCSP) Respite

Kentucky NFCSP Respite Care

General: Caregivers of 60+ needing care or 55+ caregivers of others; Kentucky resident; functional needs (2+ ADLs).

Income Limits (2025): Prioritizes ~$24,980/year (individual); no strict cap.

Asset Limits: Not assessed; need-based.

KY Specifics: 15 AAAs; prioritizes low-income, rural caregivers.

Kentucky Family Caregiver Program

General: Grandparents (often 55+) as primary caregivers to grandchildren under 18, Kentucky resident, not on Kinship Care.

Income Limits (2025): ~$31,225/year (individual); varies by AAA.

Asset Limits: Not strictly assessed; need-based.

KY Specifics: Max $1,500/year; statewide via AAAs.

Senior Community Service Employment Program (SCSEP)

Kentucky SCSEP

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

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

Asset Limits: Not specified; income-focused.

KY Specifics: Priority for veterans, rural residents.

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

Kentucky VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, Kentucky 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).

KY Specifics: High veteran demand in rural areas.

Carmel Manor

Carmel Manor is a Nursing Home in Kentucky

Carmel Manor is a Nursing Home in Kentucky

Carmel Manor

Carmel Manor is a Nursing Home in Kentucky

Carmel Manor is a Nursing Home in Kentucky

Quality ratings

Capacity and availability

Medium-capacity home

This home usually has availability

Who this home usually serves

Primarily short stays

Breakdown by payment type

Medicare

Private pay

Medicaid

Finances and operations

About this community

Additional licensing details

Ownership & operating entity

Care Services

All Levels of Care

Amenities & Lifestyle

Programs & Activities

Inspection History

Inspection Reports

Compare Nursing Homes around Kentucky

Places of interest near Carmel Manor

Calculate Travel Distance to Carmel Manor

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 Kentucky Seniors

Home and Community Based Waiver

Hart-Supported Living Program

Kentucky Homecare Program

Medicare Savings Program (MSP)

National Family Caregiver Support Program (NFCSP) Respite

Kentucky Family Caregiver Program

Senior Community Service Employment Program (SCSEP)

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

Touring Checklist for Senior Living

Location

Community Spaces and Overall Environment

Services

Staffing

Accommodations

Finances

Other Notes

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