Carmel Home

Carmel Home accepts Medicare, Medicaid, and private pay.

Overview of Carmel Home

Carmel Home is a 115-bed nursing and skilled nursing community out on Old Hartford Rd in Owensboro, Kentucky, run by the Carmelite Sisters of the Divine Heart of Jesus, with Francis as the administrator. The building is single-story, which matters more than people think when you’re picturing a parent or grandparent getting around without stairs. It sits in a car-dependent stretch of town (Walk Score 20), so visits usually mean driving over rather than walking.

Right now the place is running at 84% occupancy, 96 of its 115 beds filled, which tells you it’s an active, steady community rather than one that’s just opened its doors or quietly emptying out. There’s personal care and skilled nursing side by side, plus short-term rehab for people bouncing back from surgery or a hospital stay. Staff are there 24 hours a day, and residents can see a physician or podiatrist, get dental work done, and have medications, medical supplies, and oxygen managed on-site instead of needing a separate trip for each one.

There’s a beautician and barber on hand, which sounds minor until you realize how much it matters to someone’s sense of self. Transportation is available when residents need to get somewhere the building can’t take them. And the place runs on dietary services, social and activity programming, and consultant pharmacy support layered under that round-the-clock nursing staff.

Carmel Home takes Medicare, Medicaid, and private pay, so families aren’t boxed into one way of covering things. As for how the state sees it: inspections here have leaned toward staffing and staff credentials, how care gets planned and documented, and dietary and food service. This is a place built for residents who need real nursing-level support, whether that’s a short rehab stint after the hospital or something longer-term, inside a facility with steady occupancy and a long-standing religious-order operator behind it.

Facility Direct Line (270) 683-0227 carmelhomeinfo@yahoo.com

Quality ratings

Measured by Centers for Medicare & Medicaid Services (CMS)

By The Numbers

Community insights.

Bed count 115

Medium-capacity home · Offers a balance of services and community atmosphere.

Years of operating

1 year

Walk Score

20 / 100

Occupancy rate

68.7% This home usually has availability

Based on 79 residents and 115 beds. Source: state inspection report (Apr 2025)

Lower than the Kentucky average: 87.5%

Avg. Length of Stay

658 days

About This Community

Facility TypeLong Term Care (Nursing Facility, Personal Care)

IssuanceSeptember 1, 2025

CountyDaviess

License Number100082

CMS Certification Number185226

Carmel Home is legally operated by Carmelite Srs. Of The Divine Heart Of Jesus Of Ky.

Profit StatusNonprofit

Comprehensive Personal Care

79 units

NF (Nursing Facility)

36 units

Total beds

115 units

Resident Council

Short-Term Rehab

Dental Services

Oxygen Services

Physician Services

Podiatry Services

Housekeeping

Laundry & Linen

Transportation

Pets not allowed

Continuing Care Retirement Community (CCRC)

Cable Tv

Guest Cabin

Beauty Salon

Mass/Rosary

Religious AffiliationRoman Catholic (Carmelite Sisters of the Divine Heart of Jesus)

Building TypeSingle-story

Room Types

Private Rooms Semi-Private Rooms

Two inspection records, one home. Kentucky inspects it under state rules; CMS inspects its nursing-home beds under federal rules.

Since 2025 · 1 year of data These figures come from state-published data and the state inspection reports we hold on file. The period covered can vary depending on document availability.
Includes all inspection records for this property, which could include management/ownership changes. 0 deficiencies 1 inspection

Inspection Scorecard This scorecard compares key inspection, deficiency, and complaint metrics at this facility against the Kentucky state average. Metrics rated ≥15% worse than average are highlighted in red; those ≥15% better are highlighted in green.

Since 2025 vs. Kentucky state average

Overall vs. KY average

Deficiencies Deficiencies are formal regulatory issues recorded during state inspections.	This Facility	KY Average	vs. KY Avg
Total deficiencies Formal regulatory issues recorded by inspectors across all inspection types.	0	2.0	This facility has 100% fewer total deficiencies than a typical Kentucky nursing home (0 vs. KY avg 2).↓ 100% better

Inspections State inspections evaluate whether the facility meets health and safety standards.	This Facility	KY Average	vs. KY Avg
Total inspections Combined count of all inspections conducted at this facility.	1	2.0	This facility has had 50% fewer total inspections than the Kentucky average (1 vs. KY avg 2). More inspections can mean more regulatory scrutiny rather than worse care.↓ 50% fewer

Show Inspection Reports

Total health inspections

Total health citations

Citations per inspection

3.5

Citation severity

100% corrected 7 of 7 citations corrected

Bar = mix of this home's 7 citations, not a state comparison

Lighter shade = corrected

Critical J–L

Immediate jeopardy

Serious G–I

Actual harm

Moderate D–F

No harm, more than minimal risk

Minor A–C

No harm, minimal risk

Latest inspection: May 07, 2026 · 4 citations, all corrected

Most cited category: Nursing & Physician Services, 2 of 7 citations · 6 categories in total

Citations history

Most recent first

May 07, 2026 4 citations

Pharmacy moderate citation

Corrected

Administration moderate citation

Corrected

Abuse/Neglect moderate citation

Corrected

Quality of Care moderate citation

Corrected

Feb 15, 2024 3 citations

Nursing Services moderate citation

Corrected

Nutrition moderate citation

Corrected

Nursing Services minor citation

Corrected

Top deficiency categories

Share of 7 citations

Nursing & Physician Services 2 deficiencies (29%)

Quality of Life & Care 1 deficiency (14%)

Nutrition & Dietary 1 deficiency (14%)

Administration 1 deficiency (14%)

Abuse, Neglect & Exploitation 1 deficiency (14%)

Pharmacy Services 1 deficiency (14%)

How citations are counted

Health citations are formal notices following inspections when they fail to comply with safety and care standards.

All 7 citations resulted from standard inspections.

Includes all CMS health inspection records for this property, which could include management/ownership changes.

Source

Data sourced from CMS Health Deficiencies reports, which cover the Medicare and/or Medicaid-certified skilled-nursing and nursing beds and no other part of the community. Citation severity codes range from A (least serious) to L (most serious). Immediate Jeopardy (J-L) citations indicate situations where the facility's noncompliance has placed residents at risk of death or serious harm.

5 penalties in the past 3 years

Latest: Feb 20, 2024 · $3,764 civil money penalty

4 fines · 1 payment denial

Total fines

$40,173

Number of fines

Payment denials

1 9 days

Long-stay quality rating 4 / 5 Above average

High-risk clinical events 6.8 Score · lower is better

Functional decline 14.8 Score · lower is better

10 long-stay measures: 7 better, 2 worse, 1 near KY average

2 short-stay measures: 2 better

Long-stay residents

People who live at the home · 10 measures

KY average

Daily care & independence

Needed more help with daily activities 10.7%

Walking ability worsened 18.2%

Bowel or bladder incontinence (low-risk residents) 15.5%

Safety & clinical stability

Urinary tract infection 0.0%

Falls with major injury 0.0%

Pressure ulcers (high-risk residents) 3.2%

Physical & mental health

Lost too much weight 1.8%

Depressive symptoms 0.0%

Antipsychotic use 34.4%

Preventive care

Pneumococcal vaccine 95.3%

Short-stay residents

Rehab and recovery after a hospital stay · 2 measures

KY average

Physical & mental health

New antipsychotic medication 0.0%

Preventive care

Pneumococcal vaccine 89.7%

Arrows show whether a figure is above or below the average. Green is better for residents, red is worse, and yellow means within 5% of the average. The line on each bar marks the average.

Quality measures are calculated by CMS from Minimum Data Set (MDS) resident assessments and Medicare claims.

Financials

Money and staffing.

Carmel Home’s finances from its CMS cost report for the fiscal year ending December 2024, compared with 186 Kentucky nursing homes that filed a recent report. Includes all financial data for this property, which could include management/ownership changes.

FY Dec 2024

Is it financially stable?

Losing money on care, but less than last year

−11.4% operating margin

+3.0 pts vs prior year

An operating loss in 8 of the last 8 reported years. Other income ($0.4M) trims the net loss to −$0.4M. Watch for cost-cutting that reaches staffing.

Does it invest in staff?

Spends more on payroll than most Kentucky homes

66.7% payroll share of revenue

KY average 45.8%Rank #6 / 186Payroll % of net patient revenue — State benchmarkedThis nursing home is ranked 6th out of 186 nursing homes we track in Kentucky for payroll % of net patient revenue. Shows payroll as a percentage of net patient revenue versus the Kentucky average, among facilities reporting a recent fiscal year. Below 25% may signal understaffing or heavy agency use — read with Staffing ratings.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.

Payroll rose $0.2M while revenue rose $0.6M. Check hours per resident in the staffing section to confirm it reaches the floor.

FY 2024 scorecard

115 beds · 186 Kentucky peers

Each row shows the FY 2024 figure, the change since the prior report, the trend, and how it compares with Kentucky homes.

Revenue & profit

Losing money on care

Metric	FY 2024	vs prior year	Trend 2017 → 2024Trend	KY median	Compared with KY homesRank in KY	In short
Net patient revenue What the home earns from resident care, after discounts and bad debt.	$7.0M	+$0.6M	Trend 20172024	KY median $10.7M	Rank in KY Rank #158 / 186Net patient revenue — State benchmarkedThis nursing home is ranked 158th out of 186 nursing homes we track in Kentucky for net patient revenue. Shows this facility's net patient revenue compared to the Kentucky average, among facilities reporting a recent fiscal year. Higher revenue generally means more resources for staffing and capital — read alongside Payroll %.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric. Higher than 15% of homes	Below KY median Higher net patient revenue than 15% of KY homes that filed a recent report. Revenue mostly follows how big a home is.
Operating expenses Everything it costs to run the home: staff, supplies, rent, admin.	$7.8M	+$0.5M	Trend 20172024	KY median $10.1M	Rank in KY Rank #134 / 186Operating expenses — State benchmarkedThis nursing home is ranked 134th out of 186 nursing homes we track in Kentucky for operating expenses. Shows everything it cost to run the home — staff, supplies, rent, admin — compared with other Kentucky homes reporting a recent fiscal year. Expenses in dollars mostly follow how big a home is, so this compares size, not efficiency; read it next to operating margin.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric. Higher than 28% of homes	Exceeds revenue Operating expenses are higher than net patient revenue, so resident care runs at a loss.
Net patient income Revenue minus operating expenses. Negative means care loses money.	−$0.8M	+$0.1M	Trend 20172024	KY median $0.8M	Rank in KY Rank #170 / 186Net patient income — State benchmarkedThis nursing home is ranked 170th out of 186 nursing homes we track in Kentucky for net patient income. Shows net patient revenue minus operating expenses, compared with other Kentucky homes reporting a recent fiscal year. Homes that lost money on care are in the pool too, so a rank in the bottom half usually means a loss.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric. Higher than 9% of homes	Loss, narrowing Resident care lost money this year, less than in the prior report.
Operating margin Net patient income as a share of revenue. The clearest health signal.	−11.4%	+3.0 pts	Trend 20172024	KY median 7.4%	Rank in KY Rank #176 / 186Operating margin — State benchmarkedThis nursing home is ranked 176th out of 186 nursing homes we track in Kentucky for operating margin. Shows net patient income as a share of net patient revenue, compared with other Kentucky homes reporting a recent fiscal year. Unlike the dollar figures it does not follow size, so it is the fairest comparison of financial health between a small home and a large one.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric. Higher than 5% of homes	Loss A negative margin means resident care costs more than it earns.
Other income Money not from resident care: investments, grants, services.	$0.4M	—	Trend —	KY median $0.0M	Rank in KY Rank #15 / 174Other income — State benchmarkedThis nursing home is ranked 15th out of 174 nursing homes we track in Kentucky for other income. Shows income from outside resident care — investments, grants, rentals, services — compared with other Kentucky homes reporting a recent fiscal year. It is not part of net patient revenue; a high rank here can offset a loss on care.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric. Higher than 92% of homes	Offsets part of the loss Income from outside resident care covers part of the loss on care.
Net income The bottom line after other income.	−$0.4M	+$0.0M	Trend —	KY median $0.8M	Rank in KY Rank #168 / 186Net income — State benchmarkedThis nursing home is ranked 168th out of 186 nursing homes we track in Kentucky for net income. Shows the bottom line after other income, compared with other Kentucky homes reporting a recent fiscal year. Homes with a net loss are in the pool too, so a rank in the bottom half usually means a loss.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric. Higher than 10% of homes	Loss The bottom line is below zero even after other income.

Staffing spend

Spends more of revenue on staff than most Kentucky homes

Metric	FY 2024	vs prior year	Trend 2017 → 2024Trend	KY median	Compared with KY homesRank in KY	In short
Payroll costs Salaries and wage-related benefits, not counting contract labor.	$4.6M	+$0.2M	Trend 20172024	KY median $4.7M	Rank in KY Rank #94 / 186Payroll costs — State benchmarkedThis nursing home is ranked 94th out of 186 nursing homes we track in Kentucky for payroll costs. Shows total staff payroll — salaries plus wage-related benefits — benchmarked to the Kentucky average, among facilities reporting a recent fiscal year. Higher payroll relative to peers often signals better staffing and less reliance on contract labor.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric. Higher than 50% of homes	Above KY median Higher payroll than 50% of KY homes. Payroll in dollars mostly follows how big a home is, so this compares size, not staffing levels.
Payroll share of revenue Payroll divided by revenue. Higher usually means more staff per resident.	66.7%	−3.7 pts	Trend 20172024	KY median 45.7%	Rank in KY Rank #6 / 186Payroll % of net patient revenue — State benchmarkedThis nursing home is ranked 6th out of 186 nursing homes we track in Kentucky for payroll % of net patient revenue. Shows payroll as a percentage of net patient revenue versus the Kentucky average, among facilities reporting a recent fiscal year. Below 25% may signal understaffing or heavy agency use — read with Staffing ratings.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric. Higher than 97% of homes	20.9 pts over KY average The KY average is 45.8% of revenue. Within 3 points of it reads as near the average.

Charts, 2017–2024 2 charts · KY benchmark drawn as a dashed line

Revenue, expenses and income What the home earned from resident care (net patient revenue), what it cost to run (operating expenses) and the difference between the two (net patient income), for each fiscal year it filed a CMS cost report.

USD, millions

Net patient revenue Operating expenses Net patient income

Where revenue goes Both lines are a share of net patient revenue. Payroll share is what goes to salaries and wage-related benefits; operating margin is what is left after every operating cost (below 0%, resident care lost money). The dashed line is the Kentucky payroll average.

% of net patient revenue

Payroll share Operating margin KY payroll average

Year-by-year data, 2017–2024 every reported year · latest first, scroll sideways

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Net patient revenue	$5.6M	$5.6M	$5.6M	$5.7M	$6.1M	$6.4M	$6.4M	$7.0M
Operating expenses	$5.7M	$6.2M	$6.6M	$6.7M	$6.6M	$6.9M	$7.3M	$7.8M
Net patient income	−$0.2M	−$0.7M	−$1.0M	−$1.0M	−$0.5M	−$0.5M	−$0.9M	−$0.8M
Operating margin	−2.9%	−12.2%	−17.1%	−17.1%	−8.9%	−8.5%	−14.4%	−11.4%
Net income	$0.1M	−$0.4M	−$0.5M	$0.1M	$0.3M	−$0.3M	−$0.4M	−$0.4M
Payroll costs	$3.5M	$3.9M	$4.0M	$4.2M	$4.1M	$4.2M	$4.5M	$4.6M
Payroll share of revenue	63.5%	70.2%	71.6%	72.6%	67.6%	65.5%	70.4%	66.7%
Beds	115	115	115	119	115	115	115	115
Gross revenue	$6.1M	$6.3M	$6.3M	$6.4M	$6.6M	$6.9M	$7.0M	$7.8M
Salaries	$3.3M	$3.6M	$3.7M	$3.6M	$3.7M	$3.7M	$4.0M	$4.2M
Wage-related costs	$0.3M	$0.3M	$0.4M	$0.6M	$0.5M	$0.5M	$0.5M	$0.4M
Contract labor	—	—	—	—	—	—	—	—
Other operating costs	$2.2M	$2.3M	$2.6M	$2.6M	$2.5M	$2.7M	$2.8M	$3.1M
Net patient revenue per day	$137	$138	$137	$147	$153	$158	$157	$171
Cost per day	$141	$154	$161	$172	$167	$171	$180	$191
Average length of stay	187.7 days	336.3 days	240.7 days	258.8 days	237.9 days	159.9 days	285.3 days	658.3 days

Showing 2024–2022 · scroll sideways for 5 earlier years

Earlier and partial years are in the download. Download CSV

Resident snapshot

16 residents · Sep 2026 Residents counted on the date of the latest CMS report, which updates quarterly.

Medicare 0 · 0%

Medicaid 16 · 100%

Private pay & other 0 · 0%

Shows care patterns over time; not used to rate this facility.

Mostly long-term care residents

Most residents stay for extended periods and receive ongoing daily care.

Typical stay

Medicare 1 - 2 months Medicaid 6 - 7 years Private pay & other 1 year

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Compare Nursing Homes around Owensboro

Info below is compiled from CMS reports & the KY Cabinet for Health & Family Services (CHFS), senior community websites & trusted data sources such as Walk Score & BBB.

Communities are listed from highest-ranked to lowest-ranked based on our methodology.


Hermitage Care & Rehabilitation Center	★ ★ ★ ★ ★	NH SNF	Owensboro	92 Facility 92 KY AVG 98 Rank #111 / 195	96.4% Facility 96.4% KY AVG 87.5% Rank #18 / 162	+10%	3.90 Facility 3.90 KY AVG 3.76 Rank #35 / 189	★ ★ ★ ★ ☆	★ ★ ★ ★ ☆	★ ★ ★ ★ ★	+4%	+4%	$0 Facility $0 KY AVG $40.2k Rank #1 / 192	1 Facility 1 KY AVG 12.0 Rank #1 / 191	1.0 Facility 1.0 KY AVG 4.1 Rank #1 / 191	-	89	A+	49 Facility 49 KY AVG 46 Rank #96 / 204	LP Owensboro, LLC	$12.6MFiscal year ending 12/2024 Facility $12.6MFiscal year ending 12/2024 KY AVG $11.4M Rank #58 / 186	$5.2MFiscal year ending 12/2024 Facility $5.2MFiscal year ending 12/2024 KY AVG $5.2M Rank #73 / 186	41.6%Fiscal year ending 12/2024 Facility 41.6%Fiscal year ending 12/2024 KY AVG 45.8% Rank #123 / 186	185346
Twin Rivers Nursing And Rehab Center	★ ★ ★ ★ ★	NH HOS PC RC SNF	Owensboro	132 Facility 132 KY AVG 98 Rank #31 / 195	77.0% Facility 77.0% KY AVG 87.5% Rank #140 / 162	-12%	3.14 Facility 3.14 KY AVG 3.76 Rank #122 / 189	★ ★ ★ ★ ☆	★ ★ ★ ☆ ☆	★ ★ ★ ★ ★	+2%	-16%	$0 Facility $0 KY AVG $40.2k Rank #1 / 192	18 Facility 18 KY AVG 12.0 Rank #145 / 191	9.0 Facility 9.0 KY AVG 4.1 Rank #181 / 191	-	102	-	52 Facility 52 KY AVG 46 Rank #85 / 204	Twin Rivers Operating Company, LLC	$12.3MFiscal year ending 12/2024 Facility $12.3MFiscal year ending 12/2024 KY AVG $11.4M Rank #62 / 186	$6.2MFiscal year ending 12/2024 Facility $6.2MFiscal year ending 12/2024 KY AVG $5.2M Rank #49 / 186	50%Fiscal year ending 12/2024 Facility 50%Fiscal year ending 12/2024 KY AVG 45.8% Rank #53 / 186	185087
The Transitional Care Center of Owensboro	★ ★ ★ ★ ★	NH	Owensboro	30 Facility 30 KY AVG 98 Rank #190 / 195	42.7% Facility 42.7% KY AVG 87.5% Rank #160 / 162	-51%	8.61 Facility 8.61 KY AVG 3.76 Rank #1 / 189	★ ★ ★ ★ ★	★ ★ ★ ★ ☆	★ ★ ★ ★ ★	+7%	+129%	$0 Facility $0 KY AVG $40.2k Rank #1 / 192	2 Facility 2 KY AVG 12.0 Rank #6 / 191	1.0 Facility 1.0 KY AVG 4.1 Rank #1 / 191	-	13	-	80 Facility 80 KY AVG 46 Rank #5 / 204	-	-	-	-	185396
Wellington Parc of Owensboro	★ ★ ★ ★ ☆	NH HOS MC RC SNF	Owensboro	80 Facility 80 KY AVG 98 Rank #130 / 195	93.0% Facility 93.0% KY AVG 87.5% Rank #67 / 162	+6%	3.82 Facility 3.82 KY AVG 3.76 Rank #46 / 189	★ ★ ★ ★ ☆	★ ★ ☆ ☆ ☆	★ ★ ★ ★ ☆	+9%	+2%	$0 Facility $0 KY AVG $40.2k Rank #1 / 192	6 Facility 6 KY AVG 12.0 Rank #40 / 191	2.0 Facility 2.0 KY AVG 4.1 Rank #22 / 191	-	74	-	52 Facility 52 KY AVG 46 Rank #85 / 204	Wellington Parc Health Systems, Inc	$8.0MFiscal year ending 12/2024 Facility $8.0MFiscal year ending 12/2024 KY AVG $11.4M Rank #136 / 186	$4.1MFiscal year ending 12/2024 Facility $4.1MFiscal year ending 12/2024 KY AVG $5.2M Rank #112 / 186	51%Fiscal year ending 12/2024 Facility 51%Fiscal year ending 12/2024 KY AVG 45.8% Rank #44 / 186	185436
Carmel Home	★ ☆ ☆ ☆ ☆	NH SNF	Owensboro	115 Facility 115 KY AVG 98 Rank #54 / 195	68.7% Facility 68.7% KY AVG 87.5% Rank #149 / 162	-21%	-	★ ★ ☆ ☆ ☆	★ ☆ ☆ ☆ ☆	★ ★ ★ ★ ☆	-	-	$40.2k Facility $40.2k KY AVG $40.2k Rank #178 / 192	7 Facility 7 KY AVG 12.0 Rank #51 / 191	3.5 Facility 3.5 KY AVG 4.1 Rank #87 / 191	-	79	-	20 Facility 20 KY AVG 46 Rank #179 / 204	Carmelite Srs. Of The Divine Heart Of Jesus Of Ky	$7.0MFiscal year ending 12/2024 Facility $7.0MFiscal year ending 12/2024 KY AVG $11.4M Rank #158 / 186	$4.6MFiscal year ending 12/2024 Facility $4.6MFiscal year ending 12/2024 KY AVG $5.2M Rank #94 / 186	66.7%Fiscal year ending 12/2024 Facility 66.7%Fiscal year ending 12/2024 KY AVG 45.8% Rank #6 / 186	185226

Rank badges are statewide and care-type specific: each nursing home is ranked against every other KY nursing home we track that reports that metric, not just the 5 on this page. See how we rank facilities

Nursing Home Explorer

Cash support · veterans

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

VA Pension Aid and Attendance and Housebound Benefits (Federal)

Who it is for: Veterans or survivors with VA pension eligibility and an Aid and Attendance or Housebound medical need
Income limit: No single monthly income cutoff. VA compares countable annual income, after permitted deductions, with the applicable Maximum Annual Pension Rate for the household and benefit category.
Asset limit: Net-worth limit is $163,699 from December 1, 2025 through November 30, 2026. Net worth includes countable assets plus annual income; exclusions and transfer rules apply.

Eligibility

General: Veterans or eligible survivors who qualify for VA Pension or Survivors Pension and meet the additional Aid and Attendance or Housebound criteria. Service, discharge, family status and pension eligibility rules also apply.
KY specifics: A federal VA pension benefit; Aid and Attendance and Housebound enhancements cannot be received together.

What it provides

A higher pension ceiling for eligible Aid and Attendance or Housebound recipients. Actual pension equals the applicable annual maximum minus countable income; the two enhancements cannot be paid together.

Residential or in-home support

Optional State Supplementation

Kentucky Optional State Supplementation

Eligibility

General: Eligible Kentucky adults who are aged, blind or disabled, meet the applicable financial and technical rules, need a full-time qualifying living arrangement and have insufficient income for the payment standard.
KY specifics: Personal/family care home and caretaker categories require age 18 or older. Eligibility and payment depend on the specific category.

What it provides

Supplemental payments for qualifying personal care homes; family care homes or approved caretaker arrangements; separate criteria govern community integration supplementation.

In-home & community support

Home and Community Based Waiver

Kentucky Medicaid HCB Waiver

Eligibility

General: People age 65 or older or with a physical disability who meet Kentucky Medicaid and HCB waiver functional requirements.
KY specifics: Service approval is based on assessed needs and current waiver policy; no flat daily hours are established.

What it provides

Authorized supports such as adult day health; personal care; respite and other HCB waiver services.

In-home support

Hart-Supported Living Program

KY Hart-Supported Living

Eligibility

General: Kentucky residents with qualifying disabilities seeking supports for community living, under Hart-Supported Living eligibility rules.
KY specifics: The program supports integrated living and individual control; segregated or certain congregate models are excluded.

What it provides

Approved grants for supports that promote community living; independence and inclusion.

In-home support

Kentucky Homecare Program

Eligibility

General: Age 60 or older with the stated ADL/IADL limitations and institutional-care risk, or able to leave an institution for home with support.

What it provides

Coordinated home supports for daily needs; according to assessment and program authorization.

Caregiver support

Family Caregiver Support Program

Family Caregiver Support Program (Kentucky)

Who it is for: Family or informal caregivers of an adult 60+ or of someone of any age with dementia

Eligibility

General: Adult family or informal caregivers of adults age 60 or older or people of any age with Alzheimer's disease or a related disorder. The federal program also supports specified older-relative caregiver categories.

What it provides

Caregiver information and access assistance; counseling and training; support groups; respite and limited supplemental services under the federal caregiver-support framework.

Caregiver support

Kentucky Family Caregiver Program

Income limit: Household income at or below 150% of the federal poverty level.

Eligibility

General: Grandparents who are primary caregivers of a grandchild age 18 or younger living in the same home; the child's parents must not reside in the household.
KY specifics: This is a grandparent-caregiver program, not a general elder-care grant.

What it provides

Information; support groups; counseling and training; eligible participants may receive grants or vouchers for approved child-related expenses.

Returning home

Kentucky Transitions

Kentucky Kentucky Transitions

Eligibility

General: Older adults or people with qualifying disabilities who have lived in a nursing facility at least 60 days, meet Medicaid requirements, receive Medicaid-paid services at least one day before referral and can live in the community with support. Some stay exclusions apply.

What it provides

Transition planning; help locating affordable housing and connections to approved community supports and Medicaid waiver services.

In-home support

Personal Care Attendant Program (PCAP)

Kentucky Personal Care Attendant Program (PCAP)

Eligibility

General: Adults age 18 or older with qualifying severe physical disability, including the statutory functional loss of two or more limbs, who need at least 14 hours of assistance weekly or a nighttime attendant to avoid inappropriate institutional placement. Assessment, financial rules and ability to manage attendants apply.
KY specifics: The Commonwealth resource directory explicitly lists all counties. Actual service authorization depends on assessment and funding.

What it provides

A subsidy for approved personal attendant services in a non-institutional setting; subject to available funding.

Medicare costs

Medicare Savings Program (MSP)

Kentucky Medicare Savings Program

Who it is for: Medicare beneficiaries with limited income who need help with premiums or cost sharing

Eligibility

General: Medicare beneficiaries meeting the applicable state Medicare Savings Program eligibility rules.
KY specifics: Applications are administered by the state Medicaid program.

What it provides

Assistance with Medicare premiums and; for qualified QMB beneficiaries; Medicare-covered deductibles and coinsurance. The qualifying category determines which costs are paid.

Know before you visit

Frequently Asked Questions about Carmel Home

Quick answers from public records and the community's own listing.

01 Who is the owner of Carmel Home?

Carmel Home is legally operated by Carmelite Srs. Of The Divine Heart Of Jesus Of Ky.

02 Is Carmel Home in a walkable area?

Carmel Home has a walk score of 20. Car-dependent. Most errands require a car, with limited nearby walkable options.

03 What is the license number of Carmel Home?

According to KY state health department records, Carmel Home's license number is 100082.

04 What is the occupancy rate at Carmel Home?

Carmel Home's occupancy is 68.7%.

05 How long has Carmel Home been in business?

Carmel Home has been operating for approximately 1 year, based on available licensing and registration records.

06 Are pets allowed at Carmel Home?

No, Carmel Home has a no-pet policy.

07 What is the best email address for Carmel Home?

The team at Carmel Home can be reached at carmelhomeinfo@yahoo.com.

Overview of Carmel Home

Quality ratings

Community insights.

About This Community

License Details

Ownership & Operating Entity

Type Of Units

Safety & Compliance

Therapy & Rehabilitation

Staffing & Medical

Additional Services

Additional Policies & Features

Amenities & Lifestyle

Faith & Spiritual Life

Room Accommodations

Contact Carmel Home

Inspection History

Inspection Scorecard This scorecard compares key inspection, deficiency, and complaint metrics at this facility against the Kentucky state average. Metrics rated ≥15% worse than average are highlighted in red; those ≥15% better are highlighted in green.

Deficiencies Deficiencies are formal regulatory issues recorded during state inspections.

Inspections State inspections evaluate whether the facility meets health and safety standards.

Citation severity

Citations history

Top deficiency categories

How citations are counted

Source

Penalties and fines Federal penalties imposed by CMS for regulatory violations, including civil money penalties (fines) and denials of payment for new Medicare/Medicaid admissions.

Penalty history · past 3 years

Fine amount comparison

Quality of care over time

Long-stay residents

Daily care & independence

Safety & clinical stability

Physical & mental health

Preventive care

Short-stay residents

Physical & mental health

Preventive care

Revenue & profit

Staffing spend

Revenue, expenses and income What the home earned from resident care (net patient revenue), what it cost to run (operating expenses) and the difference between the two (net patient income), for each fiscal year it filed a CMS cost report.

Where revenue goes Both lines are a share of net patient revenue. Payroll share is what goes to salaries and wage-related benefits; operating margin is what is left after every operating cost (below 0%, resident care lost money). The dashed line is the Kentucky payroll average.

Who this home usually serves

Mostly long-term care residents

Typical stay

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Personal Care Attendant Program (PCAP)

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Medicare Savings Program (MSP)

Eligibility

What it provides

Frequently Asked Questions about Carmel Home