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Why trust this guide?
Our editorial team analyzed 13 nursing homes in Miami, FL using CMS data, inspection records, complaints, amenities, and facility-level details. How we rank nursing homes in FL
Video Tour: Top-rated Nursing Homes facilities in Miami, Florida.
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Info below is compiled from CMS reports & the FL Agency for Health Care Administration (AHCA), senior community websites & trusted data sources such as Walk Score & BBB.
Communities are listed from highest-ranked to lowest-ranked based on our methodology.
The facility name. Click to view the full profile page on Assisted Living Magazine, including photos, services, and contact info.
CMS (Centers for Medicare & Medicaid Services, the federal agency that regulates nursing homes) Overall 5-star rating — a composite of Health Inspection, Staffing, and Quality Measures scores. 5 stars = top 10% nationally. 1 star = bottom 10%. The single most important number to start with when comparing facilities.
Care Types in This TableAL (Assisted Living):
Housing with help for daily activities like bathing, dressing, and medication, without 24-hour skilled nursing.
NH (Nursing Home):
24/7 skilled nursing care for residents with complex, ongoing medical needs.
SNF (Skilled Nursing Facility):
Round-the-clock nursing care, often for recovery after surgery, injury, or illness.
MC (Memory Care):
Secured, specialized care for people living with Alzheimer's or dementia.
RC (Respite Care):
Short-term temporary care that gives family caregivers a break.
IL (Independent Living):
Community living with dining, activities, and transportation for active seniors who need little personal care.
HC (Home Care):
Professional care delivered in the person's own home, from companionship to skilled nursing.
HOS (Hospice Care):
Comfort-focused care for those with a terminal illness, prioritizing quality of life over treatment.
PC (Palliative Care):
Comfort-focused care for serious illness at any stage, including alongside curative treatment.
CCRC (Continuing Care Retirement Community):
A campus with multiple care levels so residents can age in place without moving.
Neighborhood or city area where the facility is located. Proximity to family, hospitals, and green space matters for both quality of life and ease of visitation. Consider drive time and transit access when evaluating location.
Licensed bed capacity. Larger facilities (300+ beds) often have more specialized programs but can feel institutional. Smaller homes (under 150 beds) tend to deliver more personalized care. Compare with Avg Res/Day to understand how full the facility typically runs.
A 0–100 score of a facility's regulatory inspection record, shown as a letter and compared with other facilities of the same kind in the same state. This is a proprietary Assisted Living Magazine grade. It is not a government rating. A dash means we have no inspection data for that facility.
Percentage of licensed beds filled on an average day. Color indicates financial health: green (90%+) = operationally strong, typically profitable. Amber (80–89%) = stable but leaving revenue on the table. Orange (70–79%) = financial strain likely, may struggle with fixed costs. Red (<70%) = significant distress, closure or ownership change risk increases sharply.
This facility's occupancy rate compared to the statewide average for similar facilities. A positive number means above-average demand. Facilities running 5%+ above the state average are typically the most sought-after in their market — a strong proxy for reputation.
CMS-adjusted total nurse hours per resident per day (RN + LPN + CNA combined). The national average is approximately 3.5 hrs. Higher is better — more direct care time per resident. Below 3.0 is a red flag. CMS weights RN hours more heavily because RNs handle complex clinical decisions that CNAs cannot.
CMS Health Inspection star rating (1–5 stars), based on the 3 most recent annual state surveys plus any complaint investigations. This is the hardest rating to manipulate — it reflects real surveyor findings on-site. 5 stars = fewest deficiencies found. 1 star = most. It carries the heaviest weight in the Overall CMS rating.
CMS Staffing star rating (1–5 stars), based on daily nurse staffing hours submitted to CMS via verified payroll data. Compares RN, LPN, and CNA coverage relative to resident acuity level. 5 stars = well above expected staffing. Weekend staffing is evaluated separately, as that's where many facilities quietly reduce coverage.
CMS Quality Measures star rating (1–5 stars), based on 15 clinical outcome metrics including fall rates, pressure ulcers, antipsychotic drug use, and hospital readmissions. Captures actual resident health outcomes, not just compliance. High QM combined with low Health Inspection scores can indicate a facility with strong care but weak documentation practices.
Registered Nurse hours per resident/day compared to the statewide average. RNs are the highest-skilled nursing staff — they assess residents, manage medications, and respond to emergencies. A value of +50% means RN coverage is 50% above the state norm. Negative values are a concern for residents with complex or acute medical needs.
Total nursing staff hours (RN + LPN + CNA combined) per resident/day vs. the statewide average. A broader measure than RN vs State — it captures the entire care team. A facility can have high total staffing but low RN hours, meaning more aides and fewer nurses. Read both columns together for the full picture.
Total dollar amount of federal monetary fines (civil money penalties) issued by CMS in the past 3 years. Fines are only levied for serious violations — typically actual harm to residents, repeated uncorrected deficiencies, or systemic non-compliance. Even a single fine is noteworthy. Multiple fines strongly suggest a pattern, not isolated incidents.
Total health deficiency citations from the most recent standard inspection cycle. Minor citations (scope A–C) are common and often administrative in nature. Higher counts aren't always disqualifying, but should be read alongside Severe Citations to understand actual harm levels. Under 10 is strong for a large facility; 30+ warrants a closer look.
Average deficiency citations per CMS inspection (survey) in the reporting window — total citations divided by the number of inspections. Lower is better; compare alongside total Citations and Severe Citations for context.
Citations at CMS scope/severity level G or higher — G–I means actual harm occurred; J–L means residents were placed in immediate jeopardy. (D–F is potential for harm only). Examples include unaddressed falls, medication errors causing injury, neglect, or abuse.
Average number of residents in the building on any given day, derived from annual census data. Reflects true operating scale — a 400-bed facility running 200 residents/day operates very differently from one at 390. Higher resident counts generally mean more funded staffing hours.
Better Business Bureau rating (A+ to F). Reflects complaint history, business transparency, and how family disputes were resolved. A+ means no significant unresolved complaints. A blank (—) means the facility isn't BBB-accredited, which is common for healthcare providers and not necessarily a negative signal.
Walk Score® (0–100). Measures walkability of the surrounding area. 90–100 = Walker's Paradise. 70–89 = Very Walkable. 50–69 = Somewhat Walkable. Below 50 = Car-Dependent. Higher scores benefit family visitors, resident outings, and staff commuting.
The licensed owner or operator of record filed with CMS — the individual or organization legally accountable for the facility. Searching the operator name across other facilities can reveal chain or multi-site ownership, which matters: chain-operated homes tend to have more variable quality outcomes than independently run facilities.
What the home actually collects for resident care, after contractual allowances, bad debt and discounts — not gross billings. Taken from the latest complete annual cost report, so it is comparable across homes reporting the same period. Revenue alone doesn't indicate care quality, but it funds staffing and capital reinvestment. Pair with Payroll %. Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
Staff salaries plus wage-related benefits from the latest complete annual cost report. Contract and agency labour is counted separately, under other operating costs, so a home leaning on agency staff can show a low figure here. Payroll is the cost most directly tied to care quality — compare with Payroll % for full context. Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
Payroll as a share of NET PATIENT REVENUE (not gross revenue). Both figures come from the same cost-report year. A higher figure means more of each revenue dollar goes to staff pay. Read with the Staffing star rating to judge whether spend translates into coverage — and note that homes whose patient revenue covers only part of their operation can read implausibly high. The Florida average is: 72.2% Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
CMS Certification Number: the unique federal identifier for this skilled nursing provider.
Rank badges are statewide and care-type specific: each nursing home is ranked against every other FL nursing home we track that reports that metric, not just the 13 analyzed for Miami. See how we rank facilities
Overview of Victoria Nursing & Rehabilitation Center
Miami, FL, is home to Victoria Nursing & Rehabilitation Center, a nursing home that also provides skilled nursing. With 264 beds to cover, the nursing staff average four hours and ten minutes per resident each day.
Families can use Medicare, Medicaid, or their own funds to pay. Rehabilitation services give residents recovery care, and skilled nursing adds clinical oversight alongside it. Someone who needs both ongoing nursing and rehabilitation in one setting may find this a good fit.
Overview of Ponce Health and Rehabilitation Center
Ponce Health and Rehabilitation Center delivers nursing home care, skilled nursing, hospice support, and respite care in Miami’s Little Havana neighborhood. Licensed nurses remain on site 24 hours a day to handle standard and complex clinical needs. Short-term respite stays assist primary caregivers who require temporary relief, while hospice services focus on comfort during end-of-life care.
Rehabilitation options include stroke recovery, sports injury rehab, cognitive therapy through neuropsychology, IV therapy, and pulmonary care. Clinical staff can also handle specialized nutrition needs, such as enteral tube feeding. The facility maintains 147 beds and operates at 95% occupancy, which means availability can be tight. Total nurse staffing registers at 3 hours and 26 minutes per resident per day.
Payment arrangements include Medicare, Medicaid, and out-of-pocket private pay options. Medicare generally covers short-term skilled care post-hospitalization, whereas Medicaid and private funding support extended stays.
Families looking for care in the Little Havana area can reach out to the admissions office to check current openings or schedule a walk-through.
Overview of Shoreside Health and Rehabilitation Center
Shoreside Health and Rehabilitation Center is a nursing home in Miami, Florida, offering skilled nursing, nursing care, hospice care, and respite care. Skilled nursing and nursing care provide licensed nursing on site around the clock for residents whose health needs require that level of attention. Hospice care supports residents at the end of life, while respite care provides a short stay for someone whose usual caregiver needs to travel or recover. The range of care options may suit a family whose needs include ongoing nursing care, end of life support, or short term respite.
The center has 150 beds, with 95% occupancy, so most beds are filled and availability can change. Total nurse staffing is 3 hours and 38 minutes per resident per day, representing the daily hands on nursing time allocated to each resident.
Payment options are Medicare, Medicaid, and private pay. Medicare covers short term skilled care after a hospital stay, Medicaid may help when savings do not cover a long stay, and private pay uses personal funds.
Overview of Jackson Memorial Long-Term Care Center
Jackson Memorial Long-Term Care Center provides nursing home and skilled nursing care in Miami, including the Allapattah neighborhood. Skilled nursing means licensed nursing care is available around the clock for residents who need ongoing clinical support.
The center has 24-hour staffing and a doctor on staff. Staff coverage is available at all times, and a physician is part of the facility’s care resources. There are 180 beds, with an occupancy rate of 96%, meaning nearly all beds are in use.
Total nurse staffing is 4 hours and 11 minutes per resident per day, representing the daily hands-on nursing time allocated to each resident. Rehabilitation services include short-term rehab, giving a resident a temporary setting focused on recovery. Respite care provides a short stay when a family caregiver needs to travel or recover.
Medicare, Medicaid and private pay are accepted. Medicare can apply to eligible short-term skilled care, Medicaid may help cover a long stay when personal savings are limited, and private pay allows a family to pay directly. The combination of ongoing skilled nursing, short-term rehabilitation and respite care may be a good fit for a resident who needs nursing support, a temporary recovery stay or a caregiver’s short break.
Palmetto Subacute Care Center is at 7600 SW 8th St in Miami, on a stretch of SW 8th that scores an 84 for walkability; most errands reachable on foot, which is a meaningful logistical fact for families managing regular visits. The name says what this place is: subacute, not residential. The average length of stay is 112 days, and the clinical program roster confirms a facility built to handle medically complex patients who aren’t going home quickly.
The scope here is unusually broad. Daily physical, occupational, and speech therapy are standard; what distinguishes Palmetto is the depth beyond that: respiratory care, IV therapy, wound care, diabetic management, pain management, bariatric services, complex medical care, and subacute post-operative care. The facility also carries Alzheimer’s and memory care, an ICF/MRDD unit, hospice and palliative care, restorative care, and outpatient therapy, with on-site dental, podiatry, and optometry services rounding out the clinical picture.
Admissions are available 24/7. Medicare, Medicaid, and private pay are all accepted.
Nursing coverage totals 3 hours and 28 minutes per resident per day; 1 hour and 23 minutes of RN time, 2 hours and 18 minutes of nurse aide coverage, and 13 minutes of LPN/LVN time. Meals are prepared daily by an in-house chef working alongside a staff dietitian. For a family in Miami facing a complex post-hospital discharge with clinical needs that go beyond standard rehabilitation, Palmetto’s program breadth and all-payer acceptance make it one of the more substantive options the market offers at this acuity level.
The Sands at South Beach Care Center in Miami Beach’s South Beach neighborhood provides skilled nursing, hospice care, and short-term respite stays. Licensed nursing staff remain on site 24 hours a day to provide continuous clinical oversight. Hospice focuses on comfort care, while respite care supports family caregivers needing temporary relief.
The 230-bed facility averages 3 hours and 38 minutes of daily nurse staffing per resident. On-site medical and therapeutic offerings cover post-stroke rehabilitation, sports medicine therapy, neuropsychology, IV care, pulmonary care, and specialized nutrition support. Accepted payment options include Medicare, Medicaid, and private funds.
Prospective residents looking for clinical care or short-term rehabilitation in South Beach can contact the center to ask questions or set up a visit.
Overview of Floridean Nursing and Rehabilitation Center
Floridean Nursing and Rehabilitation Center provides nursing home, hospice care, respite care, and skilled nursing in Miami’s Little Havana neighborhood. Nursing home and skilled nursing services provide ongoing nursing support, while hospice care addresses end of life needs. Respite care offers a short stay when a regular caregiver needs temporary relief. The combination may be a good fit for a resident who needs nursing support, hospice services, or a temporary respite stay.
The center has 90 beds, with 98% occupancy at the time measured, meaning nearly all beds were occupied and availability may depend on openings. Rehabilitation services are available, giving residents access to rehabilitation as part of their care. Total nurse staffing is 3 hours and 23 minutes per resident per day, representing the total daily nurse time allocated to each resident. Payment options include Medicare, Medicaid, and private pay, giving eligible residents public coverage options alongside direct payment, while the center’s care and rehabilitation services can support residents who need ongoing nursing care or recovery assistance.
Overview of University Plaza Rehabilitation & Nursing Center
University Plaza Rehabilitation & Nursing Center is a nursing home in Miami, Florida, in the Allapattah neighborhood. It offers skilled nursing, hospice care, and respite care. Skilled nursing provides licensed nursing support for residents who need ongoing clinical care on site, while hospice care addresses end of life needs.
Respite care provides a short stay and may be a good fit for a family whose usual caregiver needs to travel or recover. The home has 148 beds, with 98% occupied, so nearly all beds are in use. Total nurse staffing is 3 hours and 35 minutes per resident per day, representing the daily nursing time allocated per resident. Payment options include Medicare, Medicaid, and private pay: Medicare can apply to short term skilled care after a hospital stay, Medicaid may help when savings do not cover a long stay, and private pay uses the resident’s own funds.
The Palace Royale at Kendall is part of the Palace Group, a 510-bed community in Miami’s Kendall neighborhood that spans nursing home, assisted living, independent living, and memory care. The address is 11355 SW 84th Street, Miami-Dade County, and Ricardo A Martinez serves as administrator. Walk Score of 51 puts the area in the moderately walkable range.
At 510 beds running 95% full, with a 93-day average stay, this community handles both ends of the placement spectrum. Some residents are here for short-term rehabilitation before going home; others are long-term. That mix shows up in the payment data too: Medicare, Medicaid, and private pay are all accepted. Staff speak Creole, Hebrew, and Spanish, which matters in a Miami-Dade community drawing from a multilingual population.
Total nursing care runs 3 hours and 52 minutes per resident per day. RNs account for 1 hour and 13 minutes of that; nurse aides cover 2 hours and 34 minutes. On the services side, rehabilitative support, transportation, beauty services, housekeeping, and security systems are all confirmed. The activity list is long: arts and crafts, cooking classes, dancing, exercise classes, gardening, games, music programs, shopping trips, social events and outings, theater, movies, and yoga. An active resident council meets on a regular basis.
State inspections have tended to center on medication management, and care planning and documentation.
At this scale, with multilingual staff, multi-track care, and a broad activity program, The Palace Royale at Kendall is built for families who need a large, full-service nursing and senior living community in southwest Miami with room to move between care levels without relocating.
Blessing ALF provides nursing home, skilled nursing, hospice care, and respite care in North Miami Beach, Florida. Skilled nursing means licensed nursing care is available on site around the clock. Hospice care supports residents receiving care at the end of life, while respite care provides a short stay when a usual caregiver needs time away.
There are six beds. The smaller setting may suit someone who prefers a community where staff and residents can get to know each other. Private rooms accommodate one resident, while semi private rooms are shared, and Robinson Francois serves as the administrator.
Every nursing home above is evaluated across five weighted categories using CMS data including Care Compare, Payroll-Based Journal, and Medicare Cost Reports. Rank badges compare each home against other nursing homes in the same state — never against assisted living, memory care, or independent living communities.
How we're paid:If we help you find a home and you move in, that home may pay us a referral fee. This never affects where they rank or what you pay. Learn more
Avg home costs:
$8,880,640.37 (Florida avg:
$8,026,734.99)
Avg occupancy:
92.64% (Florida avg:
87.70%)
Avg bed count:
159 (Florida avg:
126)
Avg home revenue:
$21,582,671.59 (Florida avg:
$14,417,558.04)
Community-level financial and occupancy data
GOLDEN GLADES NURSING AND REHABILITA:
93.89% occupancy,
180 beds,
$24,730,155.00 home revenue,
$9,256,722.00 payroll costs,
$13,759,046.00 home costs.
KENDALL LAKES HEALTH AND REHABILITAT:
92.13% occupancy,
150 beds,
$4,358,845.00 home revenue,
$1,290,313.00 payroll costs,
$1,778,218.00 home costs.
CORAL GABLES HOLDINGS LLC:
91.84% occupancy,
87 beds,
$9,330,775.00 home revenue,
$5,039,439.00 payroll costs,
$4,730,371.00 home costs.
PONCE HEALTH AND REHAB CENTER:
96.26% occupancy,
147 beds,
$22,070,639.00 home revenue,
$6,848,628.00 payroll costs,
$8,321,308.00 home costs.
JACKSON GARDENS HEALTH AND REHAB:
96.92% occupancy,
120 beds,
$15,229,369.00 home revenue,
$5,683,157.00 payroll costs,
$7,447,759.00 home costs.
THE PALACE AT KENDALL NURSING HOME:
95.22% occupancy,
180 beds,
$23,709,687.00 home revenue,
$10,333,252.00 payroll costs,
$9,183,787.00 home costs.
PALMETTO SUBACUTE CARE CENTER:
94.21% occupancy,
95 beds,
$14,747,159.00 home revenue,
$5,386,805.00 payroll costs,
$7,739,542.00 home costs.
GARDENS CARE CENTER:
94.17% occupancy,
120 beds,
$11,401,073.00 home revenue,
$3,794,758.00 payroll costs,
$6,754,634.00 home costs.
UNIVERSITY HEALTH AND REHAB CENTER:
95.95% occupancy,
148 beds,
$21,075,283.00 home revenue,
$7,280,184.00 payroll costs,
$8,331,038.00 home costs.
JACKSON MEMORIAL PERDUE MEDICAL CENT:
94.66% occupancy,
163 beds,
$30,770,833.00 home revenue,
$14,890,961.00 payroll costs,
$8,787,031.00 home costs.
JACKSON MEMORIAL LONG TERM CARE CTR:
95.28% occupancy,
180 beds,
$34,104,463.00 home revenue,
$16,609,456.00 payroll costs,
$9,102,953.00 home costs.
SOUTH DADE NURSING AND REHABILIATION:
99.56% occupancy,
180 beds,
$26,657,370.00 home revenue,
$8,469,124.00 payroll costs,
$12,190,191.00 home costs.
View Chart Data Table
Metric
Miami
Florida
Avg payroll costs
$7,264,727.41
$5,215,566.01
Avg home costs
$8,880,640.37
$8,026,734.99
Avg occupancy
92.64%
87.70%
Avg bed count
159
126
Avg home revenue
$21,582,671.59
$14,417,558.04
Community
Occupancy
Beds
Home Revenue
Payroll Costs
Home Costs
Medicare
Medicaid
Private Pay
GOLDEN GLADES NURSING AND REHABILITA
93.89%
180
$24,730,155.00
$9,256,722.00
$13,759,046.00
15.10%
73.19%
11.71%
KENDALL LAKES HEALTH AND REHABILITAT
92.13%
150
$4,358,845.00
$1,290,313.00
$1,778,218.00
38.80%
42.93%
18.27%
CORAL GABLES HOLDINGS LLC
91.84%
87
$9,330,775.00
$5,039,439.00
$4,730,371.00
14.76%
68.98%
16.26%
PONCE HEALTH AND REHAB CENTER
96.26%
147
$22,070,639.00
$6,848,628.00
$8,321,308.00
13.59%
52.94%
33.47%
JACKSON GARDENS HEALTH AND REHAB
96.92%
120
$15,229,369.00
$5,683,157.00
$7,447,759.00
16.51%
60.76%
22.73%
THE PALACE AT KENDALL NURSING HOME
95.22%
180
$23,709,687.00
$10,333,252.00
$9,183,787.00
14.50%
47.25%
38.25%
PALMETTO SUBACUTE CARE CENTER
94.21%
95
$14,747,159.00
$5,386,805.00
$7,739,542.00
28.02%
44.94%
27.04%
GARDENS CARE CENTER
94.17%
120
$11,401,073.00
$3,794,758.00
$6,754,634.00
11.76%
72.06%
16.18%
UNIVERSITY HEALTH AND REHAB CENTER
95.95%
148
$21,075,283.00
$7,280,184.00
$8,331,038.00
15.93%
58.55%
25.52%
JACKSON MEMORIAL PERDUE MEDICAL CENT
94.66%
163
$30,770,833.00
$14,890,961.00
$8,787,031.00
0.35%
54.49%
45.16%
JACKSON MEMORIAL LONG TERM CARE CTR
95.28%
180
$34,104,463.00
$16,609,456.00
$9,102,953.00
0.32%
60.59%
39.09%
SOUTH DADE NURSING AND REHABILIATION
99.56%
180
$26,657,370.00
$8,469,124.00
$12,190,191.00
13.75%
70.39%
15.86%
Nursing Homes in Miami at a glance
Avg Overall CMS Rating:4.9/ 5The average Overall CMS Rating for all CMS-certified nursing homes in Miami, FL. Ratings combine health inspections, staffing, and quality measures, with inspections weighted most. Individual facilities can vary widely from this average.
National Average:3.2/ 5
Avg Staffing Rating:4.3/ 5The average Staffing Rating across all CMS-certified nursing homes in Miami, FL. Reflects nursing staff hours per resident per day (including RNs), adjusted for residents' care needs. Individual facilities can vary widely from this average.
National Average:3.4/ 5
Avg Health Insp. Rating:3.9/ 5The average Health Inspection Rating across all CMS-certified nursing homes in Miami, FL. Based on each facility's recent inspections and complaint investigations, weighing the number, scope, and severity of deficiencies. Individual facilities can vary widely from this average.
Frequently Asked Questions about Nursing Homes in Miami, FL
What's the difference between assisted living and a nursing home in Florida?
Assisted living in Florida 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 Florida Medicaid cover nursing home care?
Yes — Florida Medicaid covers nursing home care for residents who meet income, asset, and medical-need eligibility requirements. Most CMS-certified nursing homes accept Medicaid as a primary payer once long-term-care eligibility is established.
What is nursing home care?
Nursing homes (also called skilled nursing facilities) provide 24/7 medical care from licensed nurses, rehabilitation services, and long-term custodial care for residents with significant health or functional needs.
How many nursing homes are listed on this page?
This page features 13 nursing homes in Miami, FL. Use the filters and comparison tools above to compare ratings, amenities, and pricing.
How do I choose the right nursing home in Miami, FL?
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 Miami, FL, 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 nursing homes in Miami, FL?
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.
If you move into a community through us, that community may pay us a referral fee. This never changes your cost or which options we recommend. Learn more
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