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Compare Assisted Living around Massachusetts The information below is reported by the Massachusetts Executive Office of Elder Affairs and Department of Public Health.
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| The Residence at Orchard Grove |
MC
Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.
IL
Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support. |
Shrewsbury | 80 | Yes | 20 | 24 | Studio / 1 Bed / 2 Bed | 27 | - | No | No |
| Benchmark Senior Living at Putnam Farm |
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.
MC
Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.
RC
Respite Care Short-term temporary care — days to weeks — to give family caregivers a break. Full care provided during the stay. Often used after hospitalization or to trial a facility before a permanent placement decision. |
Danvers (Ferncroft) | 80 | Yes | 20 | 35 | Studio / 1 Bed / 2 Bed | 29 | F | Yes | No |
| Brightview Danvers |
MC
Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.
IL
Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support. |
Danvers (Danversport) | 79 | Yes | 24 | 48 | Studio / 1 Bed / 2 Bed | 18 | A | No | No |
| Sunrise of Newton |
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. |
Newton (Newton Corner) | 85 | Yes | 43 | 85 | Studio / 1 Bed / 2 Bed | - | - | No | No |
| Forestdale Park Senior Living |
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. |
Malden (Maplewood) | 77 | Yes | 18 | 37 | Studio / 1 Bed | 8 | - | No | No |
| Autumn Glen at Dartmouth |
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.
IL
Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.
MC
Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk. |
Dartmouth (Smith Mills) | 85 | No | 37 | 21 | Studio / 1 Bed / 2 Bed | 29 | - | No | No |
| The Residence at Melrose Station |
IL
Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.
MC
Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.
RC
Respite Care Short-term temporary care — days to weeks — to give family caregivers a break. Full care provided during the stay. Often used after hospitalization or to trial a facility before a permanent placement decision. |
Melrose (Essex Street) | 90 | Yes | 25 | 93 | Studio / 1 Bed / 2 Bed | 27 | - | No | No |
| Benchmark Senior Living at Woburn |
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.
MC
Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk. |
Woburn (Walnut Hill) | 87 | Yes | 20 | 67 | Studio / 1 Bed / 2 Bed | 28 | F | No | No |
| The Cottages of Dartmouth Village |
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.
MC
Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk. |
Dartmouth | 88 | No | 43 | 22 | Studio / 1 Bed | 27 | - | No | No |
| The Falls at Cordingly Dam |
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.
MC
Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk. |
Newton (Newton Lower Falls) | 90 | Yes | 27 | 54 | Studio / 1 Bed / 2 Bed | 29 | F | No | Yes |
| Keystone Place at Buzzards Bay |
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.
IL
Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.
MC
Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk. |
Buzzards Bay | 75 | Yes | 20 | 60 | 1 Bed / 2 Bed | 11 | - | No | No |
| The Residence at Valley Farm |
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. |
Ashland | 80 | No | 20 | 58 | Studio / 1 Bed / 2 Bed | 11 | - | No | No |
| Cornerstone at Canton |
MC
Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. |
Canton | 87 | Yes | 22 | 64 | Studio / Suite / 1 Bed | 12 | A+ | No | No |
| Brightview Arlington |
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.
MC
Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk. |
Arlington (Symmes Road) | 90 | No | 30 | 67 | Studio / 1 Bed / 2 Bed | 12 | - | No | No |
| Brightview North Andover |
AL
Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.
IL
Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.
MC
Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk. |
North Andover (Turnpike Street) | 76 | No | 27 | 4 | 1 Bed / 2 Bed | 13 | - | No | No |
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Overview of Northwood Rehabilitation & Health Care Center
As a member of the Athena Health Care Systems, Northwood Rehabilitation and Health Care focuses on skilled nursing and short-term care for seniors in Lowell. The nursing home is composed of a professional care staff who brings not only excellence to the recovery of every senior; residents can genuinely feel the high-end quality of care in a nurturing environment.
Expect nothing but quality regarding Northwood service: 24/7 skilled nursing with specialized therapy programs, post-hospital care, hospice care, home health care, assisted living, and memory care services. Comprehensive services include behavioral management, wound care, tracheostomy care, respiratory treatments, etc.
Overview of Dodge Park Rest Home
Sister home of The Oasis at Dodge Park, expect Dodge Park Rest Home to also provide the highest level of hospitality provided by the dedicated team of professionals who promise professional staff that is dedicated to making residents’ lives easier and feel independent. The assisted living and memory care home creatively brings together each priority– healthy, safety, and happiness. The Oasis prides itself on its comprehensive amenities that also blend strategically with its gracious services.
Community features include 24-hour supervision, well-lit dining room, spacious lounge areas, assistance with everyday living, housekeeping, medication management, and specialized programs available.
What does this home offer?
Housing Options: Private Rooms / Semi-Private Rooms
Building Type: Single-story
Transportation Services
Overview of Lathrop Home
Live blissfully at The Lathrop Home, an idyllic haven in Northampton, MA, offering assisted living and nursing services. A kind and highly trained team provides top-tier care tailored to residents’ unique needs around the clock to ensure their comfort and safety. Here, residents can maintain their independence, as housekeeping and other chores are taken care of.
A thoughtfully curated calendar of engaging activities and exciting events is conducted, encouraging residents to live actively and maintain social connections. Residents also enjoy a hassle-free dining with freshly prepared, delicious, and healthy meals served three times daily. Medication management, clinical oversight, and care are also provided to meet residents’ healthcare needs. With its warm and nurturing environment, residents can keep their peace of mind and make the most of their best years.
What does this home offer?
Housing Options: Private Rooms
Building Type: 3-story
Dining Services
Housekeeping Services
Social and Recreational Activities
Exercise Programs
Located at Lowell, Massachusetts, Horn Home for the Aged offers a safe environment. Renowned for their exceptional nursing and rehabilitative care, they prioritize comfort, relaxation, and a personalized approach to well-being. Residents enjoy a variety of activities designed to stimulate the mind, body, and spirit. These include healthy and nutritious meals, social gatherings in spacious common areas, quiet relaxation in lounge areas, and specialized programs that promote resident independence and individuality. Located in a middle-income area with easy access to shopping, churches, medical facilities, and other amenities, Horn Home provides a convenient and comfortable setting.
Private rooms are fully furnished and cable TV provides entertainment options. Housekeeping services ensure a clean and comfortable environment. Small pets are even welcome, adding a touch of home. These include assisted living, nursing care, hospice care, and personal care assistance. A dedicated staff, including nurses and caregivers, is available 24/7 to provide medication support, laundry services, and other essential support. Family outreach programs keep loved ones connected and informed.
What does this home offer?
Housing Options: Private Rooms / Semi-Private Rooms
Building Type: Single-story
Fitness and Recreation
St. Joseph Rehabilitation and Nursing Center is the premiere nursing community in Boston. The nursing home is proud to be a results-driven rehabilitation center where families and residents are empowered to reach healthcare excellence. Considerably one of the best and most trusted nursing homes in the city, the five-star senior community houses its finest and most luxurious community features as management and staff ensure that everything is designed and catered to the needs of the individual resident. St. Joseph Rehabilitation and Nursing Center is an elegant resort-like community that boasts world-class hospitality.
The award-winning senior living community has taken home a list of accolades, contributing to the quality and dedicated service of the staff. There is an array of amenities and services offered to them– geriatric, rehabilitative care, and a list of engaging programs for residents to take part in.
Overview of Youville House
Youville House is an esteemed haven located in the heart of Cambridge, Massachusetts. With a selection of 95 beautifully designed studio and one-bedroom apartments, this residence is dedicated to providing exceptional assisted senior living. Each space exudes comfort and convenience, offering private bathrooms with showers and well-equipped kitchenettes featuring microwave ovens, creating a seamless blend of independence and support.
The home boasts a flexible layout, allowing residents the freedom to curate their living spaces to reflect their unique preferences and personal style. Whether residents seek a cozy sanctuary or an inviting communal area, the residence accommodates both spontaneous interactions and planned activities. Amidst its tranquil ambiance, inviting communal spaces and a serene private garden provide perfect settings for relaxation and connection. Youville House stands as a testament to the dedication of assisted living communities in providing compassionate care and a vibrant environment where residents can flourish and enjoy the richness of life.
What does this home offer?
Pets Allowed: Yes, Pets Allowed
Room Sizes: 408 - 614 sq. ft
Housing Options: Studio / 1 Bed
Transportation Services
Fitness and Recreation
Gabriel House Assisted Living Residence is an affordable assisted living community in Fall River, MA, that offers all-inclusive care plans. With assisted, independent, and basic plans, older adults have options to choose from based on their healthcare needs and budgets. Recreation areas, security systems, and complimentary transportation are also available to upscale residents’ experiences. Promoting a secure, home-like environment, the community is dedicated to maintaining residents’ independence while keeping their peace of mind.
Residents have something to look forward to daily, with three delicious meals, fun card games, and a variety of recreational activities. Devotional services are also available off-site. With its proximity ot Kennedy Park and Saint Anne’s Hospital, the community also provides easy access to leisure sites and medical needs. As one of the more affordable senior living options in Massachusetts, this assisted living community ensures residents can live comfortably in retirement without breaking the bank.
What does this home offer?
Pets Allowed: Yes, Pets Allowed
Housing Options: Studio
Building Type: 3-storey
Transportation Services
Fitness and Recreation
At Sancta Maria, a nonprofit organization, the well-being of their residents is at the forefront of their mission. They are dedicated to providing an exceptional and holistic approach to senior care that truly encompasses compassion at its core. This nursing facility stands out with its all-encompassing rehabilitation and short-term services, boasting a 24-hour skilled nursing staff that is highly regarded as a preferred provider for personalized long-term care.
With an array of on-site services, including dialysis, Sancta Maria caters to a wide spectrum of needs, all while being deeply rooted in the Catholic faith tradition. However, their open arms extend to people of all faiths, reflecting an inclusive and welcoming environment. With an impressive track record spanning 75 years, their commitment to providing top-notch services is unwavering. The comprehensive range of services, including intensive care, positions Sancta Maria as a dependable and trusted choice for families seeking high-quality care for their loved ones.
Set in the neighborhood of Revere, MA, Lighthouse Nursing Care Center is an exceptional senior care provider that offers skilled nursing, transitional care, and rehabilitation services. The community strives to help recovering residents return to their homes as soon as possible through its excellent medical and therapy services provided by a dependable team of care professionals. Residents’ accommodations are tailored to foster a home-like environment while allowing for convenient delivery of care and navigation.
Apart from its exceptional services, the community also prioritizes the ambiance of their campus and makes sure residents also enjoy opportunities for socialization and enjoyment. Hence, residents are offered a variety of fun and engaging activities and thoughtful amenities. Gourmet dining, airy lounges, beautifully-maintained grounds, and salon services are also offered to enhance residents’ comfort and convenience.
What does this home offer?
Total Residents: 68 Residents
Housing Options: Private / Semi-Private Rooms
Building Type: 3-story
Overview of Parsons Hill Rehabilitation and Health Care Center
Parsons Hill Rehabilitation and Health Care Center is a remarkably skilled nursing and rehab facility in Worcester that is dedicated to enhancing the quality of life for seniors. The warm and inviting atmosphere is uniquely designed to provide comfort and peace of mind. With physicians, nurses, clinical staff, rehabilitation therapists, and other team members on standby, residents have access to everything they need, any time of day.
Their post-hospital care and recovery programs include a wide range of specialties and facilities, such as central venous catheter management, Lasix IV push, blood draws, oxygen therapy, and nutritional management. They also provide post-surgical care and a behavioral management unit to meet the needs of all residents. Moreover, Parsons Hill offers 24-hour supervision, restorative care programs, registered dietitian services, and a selective menu dining program to promote overall well-being. They also provide family counseling and support groups to ensure that families are supported in their loved one’s care.
What does this home offer?
Minimum Age: 55 Years Old
Fitness and Recreation
Ranking Methodology
How we rank these assisted living communities
Every community above is evaluated across six weighted categories using public data including state inspection records, review platforms, BBB profiles, and operator-published materials.
Weighting overview
35%
Resident Experience
25%
Regulatory
15%
Visual Media
10%
Website
10%
Stability
5%
Environment
01
Resident & Family Experience 35%
The single largest share of every ranking. Aggregated review sentiment and volume from major platforms — the closest signal to real resident experience.
Includes
Review Sentiment
Review Volume
02
Regulatory & Safety Record 25%
State inspection records, citations, and complaint visits. We weight per-inspection rates more heavily than raw counts.
Includes
State Inspections
Citations/Inspection
% Inspections w/ Citations
Complaint Visits
Accreditations
BBB Rating
03
Visual Media & Transparency 15%
Communities that publish high-quality visuals give families a real preview. No photos or tours = a negative transparency signal.
Includes
Video Tours
Virtual Walkthroughs
Photo Quantity
Photo Quality
04
Website & Operator Transparency 10%
Site quality and whether the operator publishes basic accountability information — staff names, contact details, ownership.
Includes
Website Content
Mobile Usability
Staff Info Available
Owner Info Available
05
Community Stability 10%
Operational signals indicating whether a community is well-run and meeting demand.
Includes
Occupancy Rate
Bed Options
06
Environment & Pricing 5%
Walkability and pricing transparency. Walk Score is weighted higher for Independent Living than for Memory Care, where most residents do not leave unaccompanied.
Includes
Walk Score
Pricing Transparency
Frequently Asked Questions
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
- 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.
Who we are
Your Senior Care Partner, Every Step of the Way
We help families find affordable senior communities and unlock same day discounts, Medicaid, and Medicare options tailored to your needs.
Contact us Today
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Frequently Asked Questions about Assisted Living in Massachusetts
What's the difference between assisted living and memory care in Massachusetts?
Assisted living in Massachusetts supports residents with daily activities (bathing, dressing, medication management) while preserving independence. Memory care is a specialized form of assisted living for residents living with Alzheimer's or dementia, and adds 24/7 secured environments, dementia-trained staff, and structured routines designed to reduce confusion and wandering.
What's the difference between assisted living and a nursing home in Massachusetts?
Assisted living in Massachusetts is a residential model focused on housing, hospitality, and help with daily activities. Nursing homes (skilled nursing facilities) provide 24/7 medical care from licensed nurses for residents with significant health needs, and are regulated more strictly under both state and federal CMS rules.
Does Massachusetts Medicaid cover assisted living?
Massachusetts Medicaid does not directly pay room-and-board for assisted living, but most states (including Massachusetts) offer Home and Community-Based Services (HCBS) waivers that can offset the cost of care services delivered inside a licensed community. Eligibility, waitlists, and covered services vary — check directly with the state Medicaid agency.
What is assisted living?
Assisted living combines private or semi-private apartments with help on activities of daily living (meals, bathing, dressing, medication management) and a social calendar — for residents who need some support but do not need 24/7 medical care.
How many assisted living facilities are listed on this page?
This page features 18 assisted living facilities in Massachusetts. Use the filters and comparison tools above to compare ratings, amenities, and pricing.
How do I choose the right assisted living facility in Massachusetts?
Start by matching the level of care offered to the resident's current and anticipated needs, then compare licensing status, staff-to-resident ratios, recent inspection results, and pricing. Tour at least two or three communities in Massachusetts, talk to current residents and families, and confirm what is included in the base rate versus billed as add-on services.
What should I look for when visiting assisted living facilities in Massachusetts?
Pay attention to staff interactions with residents, cleanliness and odor, food quality at meal times, the activity calendar, and how questions about pricing and care plans are answered. Ask to see the most recent state inspection report, the move-out / level-of-care-change policy, and a sample monthly bill that lists every fee.
