Fern Terrace Suites II
Fern Terrace Suites II is an Assisted Living Home in Kentucky
Fern Terrace Suites II is an Assisted Living Home in Kentucky
Fern Terrace Suites II
Fern Terrace Suites II is an Assisted Living Home in Kentucky
Fern Terrace Suites II is an Assisted Living Home in Kentucky
Discover the compassion and dedication that sets the community apart. Welcome to Fern Terrace Of Owensboro, a premier assisted living community located in Owensboro, Kentucky offering Personal Care homes and Assisted Living. Residents benefit from the expertise of trained personnel who administer medications and provide round-the-clock care. The community ensures a comforting environment with both private and semi-private rooms, promoting personalized attention and comfort.
For added convenience, Fern Terrace offers transportation to medical appointments, and residents have access to physician, psychiatrist, dental, optical, and podiatry services. Engaging activities are scheduled, fostering socialization and overall well-being. Welcome to Fern Terrace, where an enriching community awaits to support residents’ journey to wellness and vibrant living.
Home Information
Fern Terrace Suites II
Join Our Online
Senior Community!
Connect, laugh, and explore — all from the comfort of your home.
Daily Trivia Games
Test your knowledge, have fun, and win friendly bragging rights.
Shared Hobbies & Projects
Team up with others who love gardening, crafts, photography, and writing.
Birthday Celebrations
We honor our members with live shoutouts, music, and cheerful messages.
Story Circles
Share your life stories, lessons, and laughter with friends who truly listen.
Memory Match Mondays
Boost your brain with fun, interactive memory games.
Travel Time Machine
Take virtual tours through Rome, Paris, or America's most beautiful national parks.
Magic Nights
Enjoy weekly live magic shows that surprise and delight.
Pen Pal Connections
Make new friends across the country through letters, stories, and shared memories.
Golden Hour Music Sessions
Sing along to timeless favorites with live performers and themed playlists.
Garden & Nature Club
Watch live garden tours, swap growing tips, and share photos of your blooms.
Gentle Movement & Meditation
Stretch, breathe, and feel good with calming live sessions.
Tech Help Tuesdays
Get hands-on guidance for Zoom, email, or smartphones — no judgment, no stress.
Guides for Better Senior Living
From costs to care, explore the most important topics to make informed decisions about your future.
Comparison Chart
Compare Assisted Living around Owensboro
Community
Type of Care
Location
Bed Options
Bed #
Pets Allowed
BBB Score
Walk Score
Home Owner
CCN
Occupancy
Home Revenue
Fern Terrace Suites II
AL
For seniors needing help with daily tasks but not full-time nursing.
N/A
N/A
N/A
No
N/A
39
N/A
N/A
N/A
N/A
Calumet Trace – A Charter Senior Living Community
AL
For seniors needing help with daily tasks but not full-time nursing.
IL
For self-sufficient seniors seeking community and minimal assistance.
MC
Specialized care for those with Memory Loss, Alzheimer’s, or dementia, ensuring safety and support.
Owensboro
N/A
N/A
No
N/A
48
N/A
N/A
N/A
N/A
Davco Rest Home LLC
AL
For seniors needing help with daily tasks but not full-time nursing.
N/A
N/A
N/A
No
N/A
34
N/A
N/A
N/A
N/A
Heritage Place
AL
For seniors needing help with daily tasks but not full-time nursing.
IL
For self-sufficient seniors seeking community and minimal assistance.
MC
Specialized care for those with Memory Loss, Alzheimer’s, or dementia, ensuring safety and support.
SNF
24/7 care needed
Owensboro
N/A
N/A
No
N/A
19
N/A
275025
57.2%
$7,014,581.00
One Park Place
AL
For seniors needing help with daily tasks but not full-time nursing.
IL
For self-sufficient seniors seeking community and minimal assistance.
MC
Specialized care for those with Memory Loss, Alzheimer’s, or dementia, ensuring safety and support.
SNF
24/7 care needed
Owensboro
N/A
N/A
No
N/A
55
N/A
N/A
N/A
N/A
Claim What’s Yours: Financial Aid for Kentucky Seniors
Program
State Program Name
Eligibility
Benefits
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.
- Services: Personal care (5-7 hours/day), respite (240 hours/year), homemaker services, home modifications.
Hart-Supported Living Program
KY Hart-Supported Living
Official government program page
- 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.
- Services: In-home support (up to 10 hours/week), respite (varies), adaptive equipment (~$500 avg.).
Kentucky Homecare Program
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.
- Services: Personal care (4-6 hours/day), respite (5 days/year), chore services, meal delivery ($7/meal), minor home repairs.
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.
- Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).
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.
- Services: Respite (4-6 hours/week or 5 days/year), adult day care ($55/day), caregiver training, supplies (~$500/year).
Kentucky Family Caregiver Program
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.
- Services: Grants (~$500-$1,500/year) for respite, supplies, care costs; counseling, training.
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.
- Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.
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.
- Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).
Claim What’s Yours Financial Aid for Kentucky Seniors
Kentucky Medicaid HCB Waiver
Home and Community Based Waiver
Requirements:
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.
Benefits without Contact:
- Services: Personal care (5-7 hours/day), respite (240 hours/year), homemaker services, home modifications.
KY Hart-Supported Living
Hart-Supported Living Program
Requirements:
- 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.
Benefits without Contact:
- Services: In-home support (up to 10 hours/week), respite (varies), adaptive equipment (~$500 avg.).
Kentucky Homecare Program
Kentucky Homecare Program
Requirements:
- 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.
Benefits without Contact:
- Services: Personal care (4-6 hours/day), respite (5 days/year), chore services, meal delivery ($7/meal), minor home repairs.
Kentucky Medicare Savings Program
Medicare Savings Program (MSP)
Requirements:
- 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.
Benefits without Contact:
- Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).
Kentucky NFCSP Respite Care
National Family Caregiver Support Program (NFCSP) Respite
Requirements:
- 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.
Benefits without Contact:
- Services: Respite (4-6 hours/week or 5 days/year), adult day care ($55/day), caregiver training, supplies (~$500/year).
Kentucky Family Caregiver Program
Kentucky Family Caregiver Program
Requirements:
- 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.
Benefits without Contact:
- Services: Grants (~$500-$1,500/year) for respite, supplies, care costs; counseling, training.
Kentucky SCSEP
Senior Community Service Employment Program (SCSEP)
Requirements:
- 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.
Benefits without Contact:
- Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.
Kentucky VA Aid and Attendance/Housebound
VA Aid and Attendance (A&A) and Housebound Benefits
Requirements:
- 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.
Benefits without Contact:
- Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).
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