Page 13 of Best Independent Living in Iowa

Why trust this guide? Our editorial team analyzed 228 independent living communities in IA using IA Dept. of Inspections, Appeals & Licensing (DIAL) data, inspection records, complaints, amenities, and facility-level details. How we rank independent living in IA
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Last updated
We analyzed These are the facilities in Iowa our team has analyzed — not a count of every independent living provider in Iowa.
228 homes
Other senior care options in Iowa:
Avg Walk Score: 47/ 100The average Walk Score across facilities in Iowa. 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: 72The average licensed bed capacity across facilities in Iowa. Individual facilities can vary widely from this average.
National Average: 90

Compare Independent Living around Iowa

Info below is compiled from the IA Dept. of Inspections, Appeals & Licensing (DIAL), senior community websites & trusted data sources such as Walk Score & BBB.

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

Care Types in This Table AL (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.
City and state of the facility. Used for mapping and state-average comparisons.
Licensed bed capacity (maximum allowed). Not the same as how many beds are currently filled.
Indicates whether residents are allowed to have pets in the facility.
Third-party neighborhood walkability score (0–100). Convenience/context metric, not a healthcare quality measure.
Number of years the company has been in operation.
Reported or derived occupancy for the facility—typically how fully licensed capacity is utilized. Compare across peers in the same market.
Count of regulatory inspections in the reporting window. Higher volume can reflect more oversight visits, complaint-driven surveys, or routine licensure cycles.
Inspection events categorized as complaint-related by the state regulator.
Homesteaders at Holland Farms
IL
AL
MC
Norwalk
80
Facility 80
IA AVG 72
Rank #105 / 403
No
70
Facility 70
IA AVG 47
Rank #98 / 504
5
Facility 5
IA AVG 19
Rank #233 / 285
42.5% 6
3
Facility 3
IA AVG 7
Rank #89 / 295
Stonebridge Suites of Milford
IL
AL
MC
Milford
44
Facility 44
IA AVG 72
Rank #307 / 403
No
62
Facility 62
IA AVG 47
Rank #140 / 504
16
Facility 16
IA AVG 19
Rank #159 / 285
56.8% 3
3
Facility 3
IA AVG 7
Rank #89 / 295
Bavarian Meadows
IL
AL
MC
L14 Remsen
44
Facility 44
IA AVG 72
Rank #307 / 403
No
49
Facility 49
IA AVG 47
Rank #232 / 504
17
Facility 17
IA AVG 19
Rank #152 / 285
43.2% 3
1
Facility 1
IA AVG 7
Rank #32 / 295
Center Point Heights
IL
AL
RC
Center Point
72
Facility 72
IA AVG 72
Rank #143 / 403
No
40
Facility 40
IA AVG 47
Rank #294 / 504
2
Facility 2
IA AVG 19
Rank #259 / 285
47.2% 3
1
Facility 1
IA AVG 7
Rank #32 / 295
Meadowview of Clive
IL
AL
MC
Clive
164
Facility 164
IA AVG 72
Rank #14 / 403
Yes
26
Facility 26
IA AVG 47
Rank #390 / 504
3
Facility 3
IA AVG 19
Rank #253 / 285
30.5% 3
1
Facility 1
IA AVG 7
Rank #32 / 295
Better Living of Walcott
IL
AL
MC
RC
Walcott
67
Facility 67
IA AVG 72
Rank #178 / 403
No
40
Facility 40
IA AVG 47
Rank #294 / 504
6
Facility 6
IA AVG 19
Rank #223 / 285
34.3% 4
1
Facility 1
IA AVG 7
Rank #32 / 295
Oakwood Place at Ridgecrest Village
IL
AL
MC
NH
SNF
Davenport
90
Facility 90
IA AVG 72
Rank #83 / 403
Yes
7
Facility 7
IA AVG 47
Rank #480 / 504
6
Facility 6
IA AVG 19
Rank #223 / 285
41.1% 6
3
Facility 3
IA AVG 7
Rank #89 / 295
Gardens at Ridgecrest Village
IL
AL
MC
NH
SNF
Davenport
30
Facility 30
IA AVG 72
Rank #387 / 403
Yes
90
Facility 90
IA AVG 47
Rank #13 / 504
24
Facility 24
IA AVG 19
Rank #96 / 285
40.0% 4
26
Facility 26
IA AVG 7
Rank #294 / 295
The New Homestead Care Center
IL
AL
NH
SNF
Guthrie Center
58
Facility 58
IA AVG 72
Rank #226 / 403
No
44
Facility 44
IA AVG 47
Rank #268 / 504
- 81.0% 27
14
Facility 14
IA AVG 7
Rank #264 / 295
St Luke Lutheran Nursing Home
IL
AL
NH
SNF
Spencer
79
Facility 79
IA AVG 72
Rank #117 / 403
No
81
Facility 81
IA AVG 47
Rank #45 / 504
- 86.1% 21
8
Facility 8
IA AVG 7
Rank #202 / 295

Rank badges are statewide: each community is ranked against every IA community we track that reports that metric, not just the 228 on this page.

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Overview of Homesteaders at Holland Farms

Homesteaders at Holland Farms is an 80-bed senior living community at 2800 Sunset Drive in Norwalk, Iowa. Administered by Blake Dodd, the facility serves Warren County under an active Iowa Assisted Living Programs for People with Dementia license (S0449) issued May 14, 2021, and valid through May 15, 2027. The campus maintains a Walk Score of 70, reflecting a very walkable area where most errands are accessible on foot.

State oversight from the Iowa Department of Inspections, Appeals, and Licensing shows a history of regulatory challenges. Since 2021, the facility has undergone five inspections resulting in 21 total deficiencies, a rate of 5.3 per year. While a 2023 recertification resulted in a citations-per-inspection rate of zero, the most recent survey on September 29, 2025, identified 10 critical deficiencies. These findings included the failure of a newly hired RN to complete delegation training before an abrupt resignation, incomplete tenant cognitive evaluations, and a lack of required 90-day nurse reviews for medications and health status.

Professional care is provided through independent living, assisted living, and memory care programs. Recent data shows a current occupancy of 43%, with 34 of 80 beds filled, which is below the Iowa state average of 75.4%. Clinical services are coordinated under a 24-hour model, though recent state reports noted failures to follow healthcare orders and document health status assessments at required frequencies.

The campus environment includes an in-house movie theater, a bistro, and walking trails with views of Echo Valley Country Club. Although the facility has received recognition from U.S. News & World Report as Best Assisted Living and Best Memory Care, these honors contrast with recent 2025 regulatory findings regarding staff training and care planning. Apartments are available in various layouts, though specific pricing information is not currently documented in state records.

Prospective residents should prioritize a review of corrective actions taken after the 10 deficiencies identified in late 2025. It is advisable to ask the administrator for direct verification of current nursing staffing levels and the status of dementia-specific staff education. Interested individuals can inquire about remediation progress and admission protocols by contacting the community at (515) 981-1888 for 2026 placement planning.

Contact Homesteaders at Holland Farms

Overview of Stonebridge Suites of Milford

Stonebridge Suites of Milford is a 44-bed assisted living facility at 1401 H Avenue in Milford, Iowa. Administered by Daren Butcher, the community serves Dickinson County under license S0298, which is active through October 9, 2027. The facility reports a current occupancy rate of 57%, with 25 residents, a figure below the Iowa state average of 75.4%. The location holds a Walk Score of 62, indicating a moderately walkable area with some nearby services.

State monitoring through the Iowa Department of Inspections, Appeals, and Licensing reveals a record of exceptional regulatory compliance. Since 2010, the facility has recorded only two total deficiencies across 11 inspections, an annual average of 0.1, which is 94% lower than the state average. The most recent recertification in September 2025 resulted in a citations-per-inspection rate of zero. This clean record has been sustained for over a decade, with every major inspection since 2013 yielding no regulatory findings.

Daily operations at this 16-year-old campus focus on providing independent and assisted living through personalized care and resident engagement. While the recent history is nearly flawless, state records from 2011 documented a $1,000 civil penalty related to a failure to report suspected dependent adult abuse within the required 24-hour timeframe. A 2015 monitoring visit also identified a single deficiency for a lack of annual food protection training for food service staff, which was subsequently corrected.

The residential environment is managed under the parent organization, Stonebridge Suites of Rock Rapids. The community has successfully resolved historical administrative gaps, and multiple complaint investigations, including reports regarding resident wandering and financial exploitation, were found to be unsubstantiated by state inspectors. Available documentation shows that occupancy has trended upward since 2010, indicating steady community growth over the facility’s 16-year history.

Prospective residents should note the facility’s 93% below-average deficiency rate and its consistent record of perfect inspections since 2017. It is recommended to verify current staffing levels and observe the meal service during a tour to ensure high operational standards remain in effect. Families can contact the administrative office to discuss current availability and to confirm that the community’s safety protocols meet their 2026 residential expectations.

Contact Stonebridge Suites of Milford

Overview of Bavarian Meadows

Bavarian Meadows is a 44-bed independent and assisted living community located at 632 L14 in Remsen, Iowa. Administered by Kerry Sudtelgte and in operation for 16 years, the facility serves Plymouth County with a license valid through May 2027. The community currently reports a census of 19 residents, representing a 43% occupancy rate, which is below the Iowa state average of 75.4%. Its location carries a Walk Score of 49, making the facility’s scheduled transportation necessary for most local errands.

Over 15 years of monitoring, the campus has averaged 0.5 deficiencies annually, a rate 72% lower than the state benchmark. Most recently, the August 2025 recertification survey resulted in a citations-per-inspection rate of zero. While isolated findings in 2013 and 2017 addressed service planning and staff background checks, there have been no documented fines or enforcement actions in the facility’s history.

Clinical care is provided by a 24-hour professional team that manages medication administration and health monitoring. Professional services include personalized assistance with activities of daily living and specialized memory care support for residents with cognitive impairment. The care model emphasizes maintaining resident independence through regular wellness assessments and the presence of on-site nursing staff. Monthly rates for assisted living typically start at approximately $4,474.

The residential environment features private apartment homes with access to shared gardens and outdoor seating areas. Amenities include restaurant-style dining with chef-inspired meals, weekly housekeeping, and laundry services. Social engagement is supported through a calendar of life-enriching activities, such as crafts, games, and music therapy. The community operates with a no-pet policy and includes emergency response systems in all living units.

Prospective representatives seeking a small-scale, established community with a strong regulatory history may find this setting appropriate. Families are encouraged to verify current availability for private suites and confirm the frequency of social outings before making a placement decision.

Contact Bavarian Meadows

Overview of Center Point Heights

Center Point Heights is a 72-bed senior living community at 800 Mustang Lane in Center Point, Iowa. Administered by Sabrina Tippey, the facility serves Linn County under a license valid through November 2027. Current data indicates a census of 34 residents, representing a 47% occupancy rate, which is typical for a campus established in late 2023. The property holds a Walk Score of 40, meaning residents generally utilize the community’s scheduled transportation for local errands and medical appointments. Monitoring records from the Iowa

Since its initial licensing, the facility has undergone two major reviews, recording an annual deficiency average 93% lower than the state benchmark. While the May 2024 certification resulted in a citations-per-inspection rate of zero, a July 2025 survey identified two moderate deficiencies. These findings involved medication administration timing and outdated service plans, though no fines or enforcement actions were issued.Clinical care is delivered by a 24-hour on-site team providing a range of support from independent living to specialized “enhanced living” for residents with cognitive impairment.

Professional services include medication management, health monitoring, and non-ambulatory care for those with significant mobility needs. The community also offers respite care and short-stay options for families requiring temporary assistance. Residents have access to an emergency alert system and personalized care plans reviewed by the clinical leadership team. The residential environment features spacious home designs within a maintenance-free setting.

Shared amenities include a common dining room where nutritional meals are served daily, outdoor recreation areas, and indoor social lounges. Engagement is supported through a monthly calendar of activities such as movie nights, exercise classes, and community-sponsored social events. The facility’s location provides proximity to local pharmacies and parks for supervised outings.

Interested families seeking a modern community with flexible care tiers and a high baseline of regulatory compliance may find this setting appropriate. Families should ask directly about the corrective steps taken following the 2025 medication timing citation and confirm current nurse-to-resident ratios for the “enhanced living” neighborhood before making a final decision.

Contact Center Point Heights

Overview of Meadowview of Clive

Meadowview of Clive is a 164-bed senior living community at 14225 University Avenue in Clive, Iowa. Administered by Cassia, the facility serves Polk County under a license valid through June 2027. The property currently reports a 30% occupancy rate with 50 residents, reflecting its status as a newer facility in the Des Moines suburb. The location provides various care levels, including independent living, assisted living, and memory care.

Data from the Iowa Department of Inspections, Appeals, and Licensing highlights an unblemished regulatory record since the facility opened in 2024. Two separate state visits, an initial certification in April 2024 and a complaint investigation in November 2025, both resulted in a citations-per-inspection rate of zero. No enforcement actions, fines, or substantiated violations are documented in the facility’s two-year operational history.

Clinical services are managed by a professional team providing medication assistance and 24-hour support for daily activities. The campus features modern infrastructure, including state-of-the-art air filtration in common areas and access to rehabilitative therapy services. Specialized memory care programming is also available for residents with cognitive needs, and the facility accepts a mix of private pay, Medicaid, and Medicare.

The residential environment includes diverse lifestyle amenities such as a movie theater, fitness center, salon, and library. Common spaces feature a fireside lounge and a courtyard patio with a fire pit for social gatherings. Residents have access to restaurant-style dining and a rotating calendar of arts and crafts programs intended to foster community engagement.

This environment suits individuals looking for a large-scale, modern community with a perfect early-stage regulatory record. Prospective representatives evaluating Meadowview of Clive should ask directly about the transition process for new residents and confirm current staffing ratios for the memory care wing before making a placement decision.

Contact Meadowview of Clive

Overview of Better Living of Walcott

Better Living of Walcott is a 67-bed memory care facility located at 510 N. Main Street in Walcott, Iowa. Administered by Christian Jordan, the community serves Scott County under license S0413, which remains active through August 22, 2027. The facility currently reports 34% occupancy with 23 of 67 beds filled, a figure significantly below the Iowa state average of 75.4%. The location holds a Walk Score of 40, indicating that most errands require a vehicle.

Regulatory oversight from the Iowa Department of Inspections, Appeals, and Licensing highlights a history of persistent compliance challenges. Since 2019, the facility has accumulated 27 deficiencies over five inspections, averaging 5.4 violations per review—a rate 200% above the state average. While no recent inspections resulted in a citations-per-inspection rate of zero, a January 2022 recertification identified 16 deficiencies involving medication administration errors, insufficient emergency procedures, and failures in incident reporting. The most recent survey in March 2025 cited three deficiencies regarding incomplete resident evaluations and service plans.

Clinical care is provided through assisted living, memory care, and respite services. A 2022 complaint investigation substantiated four violations, including a failure to ensure 24-hour awake staff coverage in the dementia program and the retention of a bed-bound resident whose needs exceeded the facility’s level of care. Professional support includes private resident rooms and dining facilities, though records show a recurring pattern of staff failing to follow medical orders and neglecting to update service plans after significant changes in resident health.

The physical environment includes bright common areas and dedicated activity spaces intended for personalized support. Historical data from 2020 revealed failures in infection control protocols, while 2019 records noted foundational gaps in incident reporting policies. Despite operating for six years, the community continues to face documented difficulties in completing required admission evaluations and maintaining proper documentation for discharged residents.

Prospective residents should exercise caution given the lack of improvement in the facility’s regulatory record and the low occupancy rate. It is necessary to verify current staffing levels and confirm that 24-hour awake coverage is consistently maintained in the memory care unit. Interested individuals may contact the administrator at (563) 284-4113 to discuss recent remediation efforts and to ensure care standards align with 2026 safety expectations.

Contact Better Living of Walcott

Overview of Oakwood Place at Ridgecrest Village

Oakwood Place at Ridgecrest Village is a faith-based assisted living facility at 4130 Northwest Boulevard in Davenport, Iowa. Managed by Ridgecrest Village, the community serves Scott County under license S0139, which covers both assisted living and specialized memory care. The broader campus reports a 66% occupancy rate with 91 of 137 units filled, a figure slightly below the Iowa state average of 75.4%. The location includes a full range of continuing care options, including independent living and skilled nursing services.

State monitoring reports for the parent organization indicate a history of significant regulatory challenges. Ridgecrest Village has recorded multiple enforcement actions and a 1-star CMS health inspection rating, with $5,428 in recently imposed fines. While some evaluations have resulted in a citations-per-inspection rate of zero, a March 2025 report identified recurring issues with care delivery, including a failure to notify physicians of elevated heart rates and delays in background checks for new staff.

Clinical care at this campus is provided through a multi-level model supported by 24-hour nursing and CNA staff. Recent surveys documented safety concerns, such as the installation of delayed egress doors without fire marshal approval and a two-month delay in treating reported bed bug activity. Additionally, records show that the facility provides approximately 1.2 licensed staff hours per resident per day, which falls below state averages and is reflected in the 1-star staffing rating.

The residential environment features studio, one-bedroom, and two-bedroom apartments equipped with kitchenettes and modern finishes. Common amenities include a chapel with a full-time chaplain, an activity theatre, and a library. Despite receiving local “Best Retirement Community” awards in 2020 and 2021, state monitors have cited the program for unmaintained equipment, including leaking air conditioning units that caused carpet damage in resident rooms.

Prospective representatives should weigh the facility’s extensive campus amenities against the parent organization’s regulatory history. It is advisable to request a direct review of recent assisted living inspection reports and to confirm current nurse-to-resident ratios during an on-site tour. Families may contact the administration to discuss specific corrective actions regarding medication management and to verify that 2026 safety standards meet their long-term expectations.

Contact Oakwood Place at Ridgecrest Village

Overview of Gardens at Ridgecrest Village

Gardens at Ridgecrest Village is a 30-bed memory care community located at 4126 Northwest Boulevard in Downtown Davenport, Scott County, Iowa. Administered by Krystal Bolser and licensed under Iowa’s Assisted Living Programs for People with Dementia, the facility has operated for 24 years. Walk Score of 90 indicates a walker’s paradise with daily errands achievable on foot. Current occupancy is 40% (12 of 30 beds), significantly below the Iowa state average of 75.4%.

Gardens at Ridgecrest Village provides 24-hour nursing and certified nursing aide staffing with licensed nurses on-site. Services include dementia-specialized care, rehabilitation services, respite care, and chef-prepared daily meals with enrichment activities. The facility’s long operational history and downtown location provide established market presence and neighborhood accessibility.

Over 21 years of inspections (2004–2025), Iowa’s Department of Inspections, Appeals, and Licensing documented 70 total deficiencies, averaging 3.2 per year, 167% above the Iowa state average of 1.2 per year. The facility’s compliance record reflects chronic systemic challenges. Early history (2004–2014) included medication administration errors, missing narcotics (92 unaccounted Tramadol tablets in one incident; 26 in another), elopement incidents from the dementia unit despite electronic monitoring, inadequate staffing and supervision, incomplete background checks revealing a criminal conviction, missing commercial vent hood in the dementia kitchen, and non-functional exit alarms. Multiple civil penalties totaling over $10,000 were assessed across this period ($500 to $4,000 per citation).

Complaint investigations documented unsafe medication practices (staff not sanitizing hands before medication passes), insufficient trained staff, and repeated failures to report dependent adult abuse allegations. A 2015–2020 period showed improvement with zero deficiencies. The May 2023 annual survey cited seven critical deficiencies: medication administration errors and non-prescribed eye drops, inadequate nurse delegation training, incomplete dependent adult abuse training, non-individualized service plans, missing food safety training, and staff lacking dementia-specific education within 30 days of hire. These violations mirror earlier failures in medication management and staff training. The most recent March 2025 recertification found zero deficiencies.

Gardens at Ridgecrest Village presents substantial long-term compliance challenges. The 24-year record shows episodic correction followed by recurrence of medication management, staffing, and training failures. Current low occupancy (40%, well below state average) suggests market awareness of quality concerns. The March 2025 clean inspection provides a recent positive point, but the pattern of improvement-relapse warrants careful evaluation.

Contact Gardens at Ridgecrest Village

Overview of The New Homestead Care Center
The New Homestead Senior Living Community in Guthrie Center, Iowa provides quality independent and assisted living options, nursing home care, and skilled rehabilitation. It offers a homelike setting for residents, focusing on enriching lives through kind and compassionate care. The facility is equipped to provide both short-term and long-term care.

Contact The New Homestead Care Center

Overview of St Luke Lutheran Nursing Home

Owned by St Luke Homes, St Luke Lutheran Nursing Home is a facility that provides skilled nursing and rehabilitation care. The 79-bed home is well integrated into its neighborhood, with a Walk Score of 81, so most errands and services are within walking distance. Its occupancy rate of 86% shows that there is strong community trust in the setting.

Medicare, Medicaid, and private pay are accepted, giving families flexibility in their coverage arrangements. Residents stay an average of 182 days, including post-acute rehabilitation residents and those receiving longer-term nursing care.

Clinically, the home offers structured rehabilitation services and nursing care. It’s a practical choice for residents recovering from surgery or hospitalization. Total nurse staffing averages roughly 4 hours and 54 minutes per resident each day, with registered nurses available 54 minutes per day per resident, nursing aides providing 2 hours and 28 minutes of hands-on care, and licensed practical nurses contributing an additional 30 minutes.

Dining is traditional in the facility. There are continental and hot breakfast choices alongside lunch and dinner served in the main dining room. Residents have a variety and opportunity for structured meals.

State inspections identified areas where the home has worked to improve procedures, including response times to resident requests and the integrity of care protocols. A re-inspection in fall 2025 documented that prior concerns had been corrected. The facility has been operating in substantial compliance.

Contact St Luke Lutheran Nursing Home

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 Independent Living in Iowa

What is independent living?

Independent living communities are residential settings for active older adults — typically with private apartments or cottages, shared amenities (dining, fitness, activities), and no built-in medical care.

How many independent living communities are listed on this page?

This page features 228 independent living communities in Iowa. Use the filters and comparison tools above to compare ratings, amenities, and pricing.

How do I choose the right independent living community in Iowa?

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 Iowa, 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 independent living communities in Iowa?

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.