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Best Assisted Living in Michigan

Why trust this guide? Our editorial team analyzed 446 assisted living communities in Michigan using Michigan Dept. of Licensing and Regulatory Affairs (LARA) data, inspection records, complaints, amenities, and facility-level details. How we rank assisted living in MI
Reviewed by
Last updated
Jul 2026
We analyzed
446 homes
Other senior care options in Michigan:

Video Tour: Top-rated Assisted Living facilities in Michigan.

Watch this Video to see Michigan's Top-rated Senior Communities
Avg Monthly Cost: $6,407The average monthly cost across facilities in Michigan. Reflects published or estimated base rates and can vary with care level, room type, and amenities. Individual facilities can vary widely from this average.
National Average: $5,600
Avg Walk Score: 39/ 100The average Walk Score across facilities in Michigan. A third-party neighborhood walkability score (0–100) measuring convenience and context, not healthcare quality. Individual facilities can vary widely from this average.
National Average: 50/ 100
Avg No. of Beds: 75The average licensed bed capacity across facilities in Michigan. Individual facilities can vary widely from this average.
National Average: 90

Compare Assisted Living around Michigan

The information below is reported by the Michigan Department of Licensing and Regulatory Affairs (LARA).

Friendship Village – Kalamazoo
AL
IL
MC
NH
SNF
Kalamazoo
57
Facility 57
MI AVG 75
Rank #255 / 435
Yes
7
Facility 7
MI AVG 39
Rank #636 / 703
1 Bed / 2 Bed
51
Facility 51
MI AVG 22
Rank #3 / 182
A+4
21
Facility 21
MI AVG 8
Rank #298 / 342
5.3
Facility 5.3
MI AVG 1.6
Rank #326 / 342
-
Brookdale Portage
AL
Portage (Woodbridge Hills)
38
Facility 38
MI AVG 75
Rank #303 / 435
Yes
33
Facility 33
MI AVG 39
Rank #404 / 703
Studio
28
Facility 28
MI AVG 22
Rank #77 / 182
A+3
0
Facility 0
MI AVG 8
Rank #1 / 342
0.0
Facility 0.0
MI AVG 1.6
Rank #1 / 342
Brookdale Senior Living Communities, Inc
Freedom Village
AL
IL
MC
NH
RC
SNF
Holland (Columbia Avenue)
62
Facility 62
MI AVG 75
Rank #238 / 435
Yes
68
Facility 68
MI AVG 39
Rank #82 / 703
1 Bed / 2 Bed
35
Facility 35
MI AVG 22
Rank #61 / 182
A+4
0
Facility 0
MI AVG 8
Rank #1 / 342
0.0
Facility 0.0
MI AVG 1.6
Rank #1 / 342
Ccrc Opco-Holland, LLC
Ludington Woods Assisted Living and Memory Care
AL
MC
Ludington (North Sherman Street)
20
Facility 20
MI AVG 75
Rank #332 / 435
Yes
42
Facility 42
MI AVG 39
Rank #300 / 703
Studio / 1 Bed
39
Facility 39
MI AVG 22
Rank #13 / 182
A+2
0
Facility 0
MI AVG 8
Rank #1 / 342
0.0
Facility 0.0
MI AVG 1.6
Rank #1 / 342
Sherman Opco LLC
Iron County Medical Care Facility
AL
MC
NH
SNF
Crystal Falls (Us 2)
200
Facility 200
MI AVG 75
Rank #9 / 435
No
11
Facility 11
MI AVG 39
Rank #601 / 703
Private Rooms
25
Facility 25
MI AVG 22
Rank #83 / 182
A+4194.8-
Allegria Village
AL
IL
MC
NH
SNF
Dearborn
132
Facility 132
MI AVG 75
Rank #55 / 435
No
52
Facility 52
MI AVG 39
Rank #201 / 703
Studio / 1 Bed / 2 Bed
4
Facility 4
MI AVG 22
Rank #131 / 182
D-10
43
Facility 43
MI AVG 8
Rank #332 / 342
4.3
Facility 4.3
MI AVG 1.6
Rank #315 / 342
Hfv Opco, LLC
Alice Lorraine Care Center
AL
Monroe (Frenchtown Charter Township)
20
Facility 20
MI AVG 75
Rank #332 / 435
No
24
Facility 24
MI AVG 39
Rank #488 / 703
Private Suites
35
Facility 35
MI AVG 22
Rank #61 / 182
A+3
1
Facility 1
MI AVG 8
Rank #66 / 342
0.3
Facility 0.3
MI AVG 1.6
Rank #71 / 342
A.l.c.c. Inc
Fairview Adult Foster Care
AL
MC
Grand Ledge (Oneida Charter Township)
20
Facility 20
MI AVG 75
Rank #332 / 435
No
34
Facility 34
MI AVG 39
Rank #379 / 703
Private / Semi-Private Rooms
38
Facility 38
MI AVG 22
Rank #58 / 182
A+5
4
Facility 4
MI AVG 8
Rank #140 / 342
0.8
Facility 0.8
MI AVG 1.6
Rank #123 / 342
Welcome Home, Inc
Grandhaven Living Center
AL
MC
Lansing
20
Facility 20
MI AVG 75
Rank #332 / 435
Yes
15
Facility 15
MI AVG 39
Rank #564 / 703
Suite
39
Facility 39
MI AVG 22
Rank #13 / 182
A+4
4
Facility 4
MI AVG 8
Rank #140 / 342
1.0
Facility 1.0
MI AVG 1.6
Rank #139 / 342
Grandhaven Living Center LLC
Covenant Living of the Great Lakes
AL
MC
NH
RC
SNF
Grand Rapids (Westside Connection)
102
Facility 102
MI AVG 75
Rank #121 / 435
No
35
Facility 35
MI AVG 39
Rank #371 / 703
1 Bed / 2 Bed
31
Facility 31
MI AVG 22
Rank #69 / 182
A+4
34
Facility 34
MI AVG 8
Rank #326 / 342
8.5
Facility 8.5
MI AVG 1.6
Rank #337 / 342
Covenant Living Of The Great Lakes
Craft Care Homes
AL
ADC
RC
Holt
20
Facility 20
MI AVG 75
Rank #332 / 435
No
48
Facility 48
MI AVG 39
Rank #232 / 703
Private Rooms / Semi-Private Rooms
25
Facility 25
MI AVG 22
Rank #83 / 182
A+2
0
Facility 0
MI AVG 8
Rank #1 / 342
0.0
Facility 0.0
MI AVG 1.6
Rank #1 / 342
Craft Care Homes Inc
Candlestone Assisted Living & Memory Care
AL
MC
Midland
66
Facility 66
MI AVG 75
Rank #228 / 435
Yes
2
Facility 2
MI AVG 39
Rank #672 / 703
Studio / 1 Bed
39
Facility 39
MI AVG 22
Rank #13 / 182
A+3
4
Facility 4
MI AVG 8
Rank #140 / 342
1.3
Facility 1.3
MI AVG 1.6
Rank #171 / 342
Waldo Avenue Opco LLC
Flourish Collection at Rochester
AL
IL
MC
Rochester
20
Facility 20
MI AVG 75
Rank #332 / 435
No
10
Facility 10
MI AVG 39
Rank #609 / 703
1 Bed / 2 Bed / 3 Bed / 4 Bed
39
Facility 39
MI AVG 22
Rank #13 / 182
A+2
9
Facility 9
MI AVG 8
Rank #221 / 342
4.5
Facility 4.5
MI AVG 1.6
Rank #318 / 342
Blossom Ridge, LLC
Hutcheson Manor
AL
RESC
Farmington Hills
9
Facility 9
MI AVG 75
Rank #396 / 435
No
57
Facility 57
MI AVG 39
Rank #157 / 703
Private / Semi-Private Rooms
33
Facility 33
MI AVG 22
Rank #63 / 182
A+2
4
Facility 4
MI AVG 8
Rank #140 / 342
2.0
Facility 2.0
MI AVG 1.6
Rank #231 / 342
Hutcheson Manor Residential Care Inc
StoryPoint Novi
AL
IL
MC
Novi
116
Facility 116
MI AVG 75
Rank #89 / 435
Yes
38
Facility 38
MI AVG 39
Rank #341 / 703
Studio / 1 Bed / 2 Bed
39
Facility 39
MI AVG 22
Rank #13 / 182
A+4
9
Facility 9
MI AVG 8
Rank #221 / 342
2.3
Facility 2.3
MI AVG 1.6
Rank #250 / 342
42400 W 12 Mile Rd Opco LLC
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Kerak & Hilltop Assisted Living

14077 Stone Jug Rd, Battle Creek, MI 49015
Overview of Kerak & Hilltop Assisted Living

Enjoy every moment of your golden years with Kerak & Hilltop Assisted Living, an astounding family-owned community set in Battle Creek, MI, offering assisted living. Residents here receive the highest quality of care from a kind and highly trained team available 24/7. The community also handles the busy work so residents can have more time to do the things they love.

With a thoughtfully curated calendar of fun recreational activities and engaging programs, residents are encouraged to live actively and meet new friends. Residents have a delightful dining experience with delicious and healthy meals that satisfy their nutritional needs and preferences. The community’s friendly setting and purposely crafted amenities make it an enticing option for a wondrous retirement. 

Contact Kerak & Hilltop Assisted Living

Overview of True Care Living

True Care Living is a 147-bed facility located at 565 General Ave in Springfield, Calhoun County, Michigan. The operator is True Care Living Limited Liability Corporation, with Eliyahu Gabay listed as authorized administrator.

The regulatory history presents substantial concerns. Over four years since 2021, the facility accumulated 25 deficiencies at a rate of 6.3 annually, 213% above Michigan’s 1.6-per-year average. The October 28, 2024, renewal inspection found nine deficiencies: incomplete incident reporting, inadequate on-duty staffing, missing annual training records, improper medication supervision, unsanitary kitchen conditions, blank dishwasher sanitization logs, unlabeled food items, ceiling and mold damage in common areas, and hazardous materials stored within resident reach.

A substantiated complaint investigation on October 3, 2024, documented a resident fall where the individual was left unattended in the lobby, received medication not documented on the active medication list, and the incident was never recorded. An earlier complaint on March 28, 2024, substantiated violations including residents unprotected during drywall repairs from water damage and shower water temperature measuring 82 degrees Fahrenheit, far below the 105 to 120-degree requirement.

Earlier investigations identified a chronic bed bug infestation (January 2023), residents denied prescribed medications (October 2022), and improper hazardous material storage (February 2023). Tuberculosis screening documentation was incomplete at the September 2023 renewal. The pattern reflects deficiencies in medication administration, incident documentation, resident supervision, infection control, safety protocols, and building maintenance without demonstrable improvement over four years.

Occupancy stands at 23 percent as of October 2024, down substantially from prior levels. No fines or license suspensions have been recorded. The license.

The pattern of violations across medication, incident reporting, safety, and sanitation over four years warrants direct questions about corrective actions and current staffing protocols before placement.

Families should note the facility’s documentation failures, medication administration lapses, and inadequate resident supervision, particularly the October 2024 substantiated incident.

Contact True Care Living

Overview of Meilland Square

Beautifully situated in the peaceful residential area of Kalamazoo, MI, Meilland Square is a friendly community that offers assisted living. Here, residents do not have to worry about their daily living activities, like grooming and dressing, with a compassionate and highly trained team that provides exceptional support 24/7. Medication management and an emergency response system are also provided to ensure residents are comfortable and safe.

Here, residents can celebrate milestones and special events with a fun-packed calendar of recreational activities and engaging programs. Delightful and healthy meals are also served to satisfy residents’ dietary needs and preferences. The community also provides transportation services, so residents can travel without worries. Residents are guaranteed the finest retirement experience amidst the community’s beautiful and stress-free setting.

Contact Meilland Square

American House Freedom Place Rochester

3565 S Adams Rd, Rochester Hills, MI 48309
Overview of American House Freedom Place Rochester

Discover a relaxing senior living experience at American House Freedom Place Rochester, an excellent senior living community set in Rochester Hills, MI, offering memory care, respite stays and hospice coordination. The community features secure and cozy apartments equipped with a full-size refrigerator, stove, dishwasher, and wall-mounted tv, ensuring residents a comfortable residence fit to their preferences and needs. With 24-hour supervision and assistance by a dedicated team, residents are guaranteed peace of mind.

Ensuring residents’ holistic needs are met, the community conducts an array of stimulating and engaging activities inspired by residents’ passion and interests. The community offers a variety of services, including housekeeping services, laundry and transportation assistance, complemented with nutritious meals that cater to residents’ dietary needs and preferences. Enhanced mindfulness programming, featuring daily social-based brain training workouts and a unique daily plan for physical activity that includes an array of gentle, effective movements – further enhances residents’ lifestyle.

Contact American House Freedom Place Rochester

Birch Hollow Family

2951 Birch Hollow Drive, Ann Arbor, MI 48108
Overview of Birch Hollow Family

The Birch Hollow Family is a one-of-a-kind community focused on innovative residential assisted living. The home is characterized by its unique personality and character, offering both private and companion suites to provide residents with the floor plan that suits them best. The staff follows a philosophy of treating its residents with compassion, dignity, and respect. Birch Hollow offers a welcoming environment where residents are treated like family in a safe, secure, and comfortable home.
The assisted living residence has designed the community to meet the unique needs of each individual. They provide an exceptional dining experience, innovative programs, and educational activities that all aim to ensure a wonderful experience during their golden years.

Contact Birch Hollow Family

Overview of Windemere Park Assisted Living I

Windemere Park Assisted Living I operates 90 beds in Warren, Michigan (Macomb County) at 31900 Van Dyke Avenue. Services include independent living, assisted living, memory care, and skilled nursing. Owner: Van Dyke Partners LLC. Administrator: Lisa Cavaliere-Mancini.

The facility presents extensive physical plant amenities including indoor heated pool, full-size theatre, Tuscany Restaurant with licensed dietitian, fitness facilities, on-site home care, visiting physicians, and daily pharmacy delivery. Emergency call pendants available. Rehabilitation services and respite care offered. Walk Score of 38 indicates limited walkability with most errands requiring transportation.

Most recent inspections on July 10, 2025 documented two concurrent substantiated complaints. One complaint alleged a resident was left soaked in urine for hours with severe catheter injuries, unmet care needs, and pressure ulcers, with call lights unanswered for over 90 minutes.

A second complaint alleged a resident was found deceased on the floor next to her bed on July 3, 2025 after an apparent fall. The resident’s service plan required two-hour checks; PACE staff failed to perform required rounding. The administrator lacked documentation regarding the incident.

Three deficiencies resulted from the first complaint addressing failure to maintain organized care program and failure to update service plans. Two deficiencies resulted from the second addressing failure to provide care consistent with service plan and inadequate incident documentation.

The facility accumulated 29 deficiencies over 13 years (263 percent above Michigan average). Deficiency rate averages 2.1 per year (250 percent above state average). Substantiated complaints span resident neglect and unmet care needs (February 2024, July 2024), inadequate staffing and training (July 2024), medication administration errors (July 2024), failure to provide prescribed meals and specialized diets (February 2024, July 2024), incomplete personal hygiene care and documentation (December 2023), maintenance failures including broken air conditioning and broken plumbing (July 2024), unsafe conditions including accessible hazardous items (July 2024), and inadequate documentation and incident reporting (January 2023, December 2023).

Multiple complaint investigations were substantiated. The facility received only two clean inspections in 13 years of available records (March 2024 and March 2023). No civil monetary penalties, immediate jeopardy findings, or license suspension actions appear in the record despite documented resident harm. Occupancy declined sharply from 47 residents in July 2024 to 26 residents in July 2025, indicating only 29 percent current capacity.

The two resident complaints documented on July 10, 2025 represent acute safety failures. Catheter neglect resulting in severe injuries and the death of a resident following missed required care checks establish documented patterns of inadequate supervision and care plan noncompliance. The administrator’s lack of incident documentation regarding the resident death compounds the concern.

The facility’s occupancy collapse to 29 percent suggests that families aware of the record are declining enrollment or withdrawing current residents.

Families should request the July 2025 resident death incident report, staffing credentials, policies for service plan compliance, medication administration protocols, and corrections implemented.

Contact Windemere Park Assisted Living I

Overview of Fairmont Senior Living of Northville

Fairmont Senior Living of Northville is a 120-bed assisted living and memory care community at 15870 N Haggerty Road, Plymouth, Wayne County, MI, ranked 82nd of 437 Michigan communities by bed count. Rick Goren is administrator and Northville Operations LLC operates the facility. The facility achieves a walk score of 95, ranked first of 702 Michigan senior living communities, creating a walker’s paradise where daily errands require no car. Accreditations include a Gold Credential in Montessori Inspired Lifestyle from the Center for Applied Research in Dementia and the Bronze National Quality Award from AHCA/NCAL.

Services include 24-hour staffing with on-site nursing staff, assisted living and memory care, and state-of-the-art emergency response systems. Amenities comprise spacious lounges and common areas, beautiful outdoor courtyards and landscaping, three daily meals served in the dining room, a full-service beauty salon and barber shop, housekeeping and laundry services, and a regularly updated activities calendar. The facility does not accept Medicaid.

From May 2021 through November 2023, Fairmont Senior Living documented 21 deficiencies, 163 percent above Michigan’s average of 8. The facility averaged 4.2 deficiencies annually, 163 percent higher than the state average of 1.6 per year.

The November 28, 2023 renewal inspection identified 10 deficiencies involving assistive device protection, tuberculosis screening, supervision of resident care, staff training, medication administration, menu posting, ventilation, refrigeration monitoring, disaster planning, and workforce background checks. An earlier March 16, 2023 renewal found zero deficiencies with substantial compliance documented. An October 2023 complaint investigation substantiated medication administration violations including unwarranted blood pressure medication administration, medication omissions, and incomplete records, while allegations of physical assault were not substantiated.

No fines or license suspensions appear in available records.

The November 2023 inspection census was 22 residents in a 120-bed capacity.

Fairmont Senior Living of Northville operates in an exceptionally walkable location with nationally recognized quality certifications, though recent inspections document substantial compliance challenges centered on medication administration and staff supervision.

Contact Fairmont Senior Living of Northville

Cedar Creek of Hastings

2895 M-79, Hastings Charter Twp, MI 49058
Overview of Cedar Creek of Hastings

Nestled in the stunning grasslands of Hastings, MI is the distinguished senior living community of Cedar Creek of Hastings that provides assisted living and resident care. With round-the-clock care and support from a reliable and highly skilled team, seniors ease their worries and experience a maintenance-free lifestyle. Moreover, Cedar Creek of Hastings doubles its efforts to understand seniors’ needs and aspirations to better provide assistance that fits their preferences.

With a wide array of engaging activities and exciting events, Cedar Creek of Hastings provides opportunities for residents to learn new things and gain valuable experiences. Fostering comfort and satisfying cravings, the community serves delightful and healthy meals to meet dietary needs. Cedar Creek of Hastings is a haven for seniors to enjoy alone time and mingle with friends through its cozy and welcoming spaces.

Contact Cedar Creek of Hastings

Overview of Kings Loving Hands (klh)

Kings Loving Hands (KLH) is a multi-service retirement community at 18963 Pinehurst St in Detroit’s Schulze neighborhood serving residents age 45 and older across memory care, independent living, assisted living, and respite stays. The 2-story facility operates Monday through Friday 9:00 a.m. to 5:00 p.m., with limited evening and weekend availability.

The facility’s “Living Well Memory Care” program specializes in dementia and Alzheimer’s care, with staff trained in cognitive support and behavioral management. Assisted living serves residents who need help with medication management, bathing, dressing, and meals. Independent living accommodates active seniors seeking social engagement without medical intervention. Respite care provides short-term stays for family caregivers.

Staff are described as highly trained, and the facility develops individualized care plans for each resident across all service levels. Specialized services include post-surgical recovery support, physical disability assistance, and compassionate dementia care. Healthy meal planning and preparation are available. Beyond these descriptions, specific staffing composition, quality metrics, and occupancy data are not publicly disclosed.

The facility is not CMS-certified for Medicare or Medicaid by the Department of Licensing and Regulatory Affairs, though Michigan residents may access state assistance through Medicaid waivers, PACE, or home-based services.

The surrounding area is moderately walkable (walk score 67). Select Specialty Hospital – Northwest Detroit is 1.08 miles away; Detroit city center is 13.2 miles distant.

Pricing, bed count, unit types, and inspection records are not publicly available.

Families should ask about: staffing ratios, caregiver credentials, licensing status, inspection records from Michigan’s Department of Licensing and Regulatory Affairs, care protocols, availability, monthly costs, and specific amenities available.

Contact Kings Loving Hands (KLH)

Overview of Home INC.

Home Inc. has provided residential adult foster care in Monroe, Michigan, since 1978. Operating as a nonprofit from a dedicated facility at 852 West Elm Avenue, the organization supports adults living with developmental disabilities, traumatic brain injuries, and mental illness. The primary focus here is blending daily personal assistance with active community involvement, all located just over half a mile from the center of town.

The layout includes two large common rooms where residents gather for group activities, meals, and entertainment. Daily routines are built around structured socialization, shared dining, and individual attention from the staff.

The neighborhood scores a 59 for walkability, so visitors and residents can easily handle a few errands on foot, and Oakwood Southshore Medical Center is a short drive away for any emergency medical needs. The nonprofit holds an official Better Business Bureau accreditation and a Great Place to Work certification.

Individuals interested in checking out the property can reach out to the administrative office to book an in-person tour. This gives families a direct way to view the living spaces and ask about current room availability.

Contact Home Inc.

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
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Frequently Asked Questions about Assisted Living in Michigan

What's the difference between assisted living and memory care in Michigan?

Assisted living in Michigan 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 Michigan?

Assisted living in Michigan 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 Michigan Medicaid cover assisted living?

Michigan Medicaid does not directly pay room-and-board for assisted living, but most states (including Michigan) 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 446 assisted living facilities in Michigan. Use the filters and comparison tools above to compare ratings, amenities, and pricing.

How do I choose the right assisted living facility in Michigan?

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 Michigan, 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 Michigan?

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.