Page 12 of Best Memory Care in Indiana

Why trust this guide? Our editorial team analyzed 294 memory care providers in IN using IN Dept. of Health (IDOH) data, inspection records, complaints, amenities, and facility-level details. How we rank memory care in IN
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Last updated
We analyzed These are the providers in Indiana our team has analyzed — not a count of every memory care provider in Indiana. Home health and home care providers may be included if they specialize in memory care services.
294 providers
Other senior care options in Indiana:

Compare Memory Care around Indiana

Info below is compiled from the IN Dept. of Health (IDOH), senior community websites & trusted data sources such as Walk Score & BBB.

Communities are listed from highest-ranked to lowest-ranked based on our 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. ADC (Adult Day Care): Daytime supervision, health monitoring, and social activities for seniors who live at home.
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.
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.
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.
Housing or bed configuration options (e.g. studio, shared), often from facility-reported amenities and licensing details.
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.
Better Business Bureau grade for the operating company. Reflects complaint handling and business practices, not clinical care quality.
A named contact for the facility. Hover the name to see their role — Administrator (state administrator of record or facility-provided administrator), Nursing Director, Medical Director, or Staff. The most authoritative available is shown.
Name of the licensed owner, operator, or managing entity as filed with the state. Useful for grouping facilities under the same organization.
Name of the director of nursing on record, when the state publishes this field.
Count of regulatory inspections in the reporting window. Higher volume can reflect more oversight visits, complaint-driven surveys, or routine licensure cycles.
Complaints the state investigated and upheld, as published in the state record.
Total count of deficiencies (cited regulatory issues) recorded in the selected reporting period. Read alongside inspection counts for context.
The average number of deficiencies this facility receives each time it's inspected, calculated as total deficiencies ÷ total inspections. A lower number suggests more consistent compliance with safety and care standards.
Terrace at Solarbron the
MC
AL
IL
Evansville
161
Facility 161
IN AVG 128
Rank #54 / 244
C+No--
18
Facility 18
IN AVG 8
Rank #45 / 237
62.1%
Facility 62.1%
IN AVG 65.5%
Rank #139 / 236
A+Kelli WaltersGood Samaritan HospitalChristi Payne27
4
Facility 4
IN AVG 5
Rank #107 / 230
29
Facility 29
IN AVG 36
Rank #129 / 231
1.1
Facility 1.1
IN AVG 1.9
Rank #67 / 229
Traditions at Reagan Park
MC
AL
IL
RC
Avon
119
Facility 119
IN AVG 128
Rank #121 / 244
B-Yes
13
Facility 13
IN AVG 36
Rank #200 / 272
-
1
Facility 1
IN AVG 8
Rank #137 / 237
68.1%
Facility 68.1%
IN AVG 65.5%
Rank #114 / 236
AIntanique PaysingerVop Reagan Park LLCShannon Veals4
2
Facility 2
IN AVG 5
Rank #44 / 230
17
Facility 17
IN AVG 36
Rank #81 / 231
4.3
Facility 4.3
IN AVG 1.9
Rank #226 / 229
1019 Senior Living Vermillion Place
MC
ADC
AL
IL
Anderson
50
Facility 50
IN AVG 128
Rank #224 / 244
B-Yes
36
Facility 36
IN AVG 36
Rank #119 / 272
-
2
Facility 2
IN AVG 8
Rank #75 / 237
92.0%
Facility 92.0%
IN AVG 65.5%
Rank #15 / 236
-Zoe Kesler1019 Vermillion Place LLCMechelle Moore10
2
Facility 2
IN AVG 5
Rank #44 / 230
33
Facility 33
IN AVG 36
Rank #141 / 231
3.3
Facility 3.3
IN AVG 1.9
Rank #212 / 229
Gentry Park Senior Living
MC
AL
IL
Bloomington
116
Facility 116
IN AVG 128
Rank #126 / 244
D+Yes
7
Facility 7
IN AVG 36
Rank #241 / 272
-
1
Facility 1
IN AVG 8
Rank #137 / 237
85.3%
Facility 85.3%
IN AVG 65.5%
Rank #31 / 236
A-Elizabeth HolsteinHs Fund Gentry Park Trs LLCAmy Stewart22
6
Facility 6
IN AVG 5
Rank #160 / 230
27
Facility 27
IN AVG 36
Rank #121 / 231
1.2
Facility 1.2
IN AVG 1.9
Rank #76 / 229
Rittenhouse Village At Portage
MC
AL
IL
RC
Portage
105
Facility 105
IN AVG 128
Rank #139 / 244
DYes
20
Facility 20
IN AVG 36
Rank #172 / 272
Studio / 1 Bed / 2 Bed
10
Facility 10
IN AVG 8
Rank #59 / 237
76.2%
Facility 76.2%
IN AVG 65.5%
Rank #72 / 236
A+Kristin PawlakDiscovery Portage Leasing, LLCKatelynn Clemons8
5
Facility 5
IN AVG 5
Rank #137 / 230
27
Facility 27
IN AVG 36
Rank #121 / 231
3.4
Facility 3.4
IN AVG 1.9
Rank #214 / 229
StoryPoint Schererville
MC
AL
IL
Schererville (Rolling Hill Estates)
99
Facility 99
IN AVG 128
Rank #161 / 244
DYes
36
Facility 36
IN AVG 36
Rank #119 / 272
Studio / 1 Bed / 2 Bed
5
Facility 5
IN AVG 8
Rank #71 / 237
88.9%
Facility 88.9%
IN AVG 65.5%
Rank #23 / 236
A+Stephanie Peterson7770 Schererville Opco LLCNatasha Hoskin13
7
Facility 7
IN AVG 5
Rank #180 / 230
42
Facility 42
IN AVG 36
Rank #167 / 231
3.2
Facility 3.2
IN AVG 1.9
Rank #211 / 229
Lake Meadows Senior Assisted Living
MC
AL
Fishers
155
Facility 155
IN AVG 128
Rank #60 / 244
C-Yes
9
Facility 9
IN AVG 36
Rank #223 / 272
Studio / 1 Bed
1
Facility 1
IN AVG 8
Rank #137 / 237
70.3%
Facility 70.3%
IN AVG 65.5%
Rank #103 / 236
-John VelasquezLake Meadows Licensee LLCKimberly Schmucker10
5
Facility 5
IN AVG 5
Rank #137 / 230
22
Facility 22
IN AVG 36
Rank #102 / 231
2.2
Facility 2.2
IN AVG 1.9
Rank #171 / 229
Heritage Woods Noblesville
MC
AL
Noblesville
190
Facility 190
IN AVG 128
Rank #27 / 244
DNo
35
Facility 35
IN AVG 36
Rank #125 / 272
-
1
Facility 1
IN AVG 8
Rank #137 / 237
64.2%
Facility 64.2%
IN AVG 65.5%
Rank #131 / 236
-Jillian PickettNoblesville Assisted Living Group LLCCassandra Hurd19
7
Facility 7
IN AVG 5
Rank #180 / 230
28
Facility 28
IN AVG 36
Rank #127 / 231
1.5
Facility 1.5
IN AVG 1.9
Rank #106 / 229
Indiana Veterans‘ Home
MC
NH
SNF
West Lafayette
212
Facility 212
IN AVG 128
Rank #20 / 244
B+No-Private Rooms
1
Facility 1
IN AVG 8
Rank #137 / 237
53.8%
Facility 53.8%
IN AVG 65.5%
Rank #166 / 236
-Amy GibsonState Of IndianaEric Giddens26
6
Facility 6
IN AVG 5
Rank #160 / 230
41
Facility 41
IN AVG 36
Rank #163 / 231
1.6
Facility 1.6
IN AVG 1.9
Rank #120 / 229
Brickyard Healthcare – Bloomington Care Center
MC
NH
RC
SNF
Bloomington (Sunny Slopes)
153
Facility 153
IN AVG 128
Rank #64 / 244
C-No
33
Facility 33
IN AVG 36
Rank #132 / 272
-
2
Facility 2
IN AVG 8
Rank #75 / 237
72.5%
Facility 72.5%
IN AVG 65.5%
Rank #94 / 236
-Zachary WilsonHendricks County HospitalJessica Flynn37
10
Facility 10
IN AVG 5
Rank #215 / 230
60
Facility 60
IN AVG 36
Rank #203 / 231
1.6
Facility 1.6
IN AVG 1.9
Rank #120 / 229

Rank badges are statewide and care-type specific: each memory care community is ranked against every other IN memory care community we track that reports that metric, not just the 294 on this page. See how we rank facilities

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Overview of Terrace at Solarbron The

Offering assisted living, independent living, and memory care, Terrace at Solarbron in Evansville, Indiana, provides care in a 161-bed setting. Residents receive nursing care with licensed nurses on-site, supported by 24-hour staffing. The community also accommodates short-term stays for primary caregivers to rest through respite care.

Housing includes studio, one-bedroom, and two-bedroom units, giving residents the choice between a single room and separate bedrooms. Occupancy is at 62%, with 100 beds currently in use.

A fitness center, beauty salon and barber services, restaurant-style dining, arts and crafts classes, yoga, Tai Chi, and aerobics provide options for exercise, personal care, and structured activities. Furthermore, the 64-acre grounds include a private fishing lake. Good Samaritan Hospital operates the community, with Robin Crowe serving as administrator.

Contact Terrace at Solarbron the

Overview of Traditions at Reagan Park

Traditions at Reagan Park offers assisted living, independent living, memory care, and respite care in Avon, IN. Assisted living provides help with daily tasks such as bathing, dressing, and medication while a resident maintains a private living space; independent living provides private living without daily care; memory care provides a secured setting with supervision; and respite care provides a short stay. The range of care levels can suit a resident whose needs may grow over time, while respite care can suit a family caregiver who needs temporary support.

Residents can bring pets to the community. Restaurant-style dining includes home-cooked meals and resident-inspired menus, and scheduled trips, outings, recreational activities, games, and cultural arts give residents organized ways to participate in activities. A fitness room, salon, outdoor spaces, and rehabilitation services are also available.

Intanique Paysinger serves as the administrator, and Vop Reagan Park operates the community.

Contact Traditions at Reagan Park

Overview of 1019 Senior Living Vermillion Place

1019 Senior Living Vermillion Place in Anderson, IN, offers Assisted Living, Adult Day Care, Independent Living, and Memory Care. Assisted Living provides help with daily tasks while a resident keeps a private apartment. Independent Living offers private living with community services and no daily care, while Memory Care provides a secured setting with supervision for someone living with dementia or at risk of wandering. Adult Day Care provides care during daytime hours, and having these care levels in one community can suit a resident whose needs grow over time without requiring a move to a different community.

The community has 50 beds, which may suit someone who prefers a more intimate setting. Housing includes studio, one bedroom, and two bedroom units, covering single room layouts as well as apartments with separate bedrooms. The community is wheelchair accessible, so residents who use wheelchairs can navigate the setting.

A Walk Score of 36 places the area in a car dependent setting, meaning most errands require a car or a ride. Transportation is available at the community for trips that require a ride. Pets are allowed, so a resident may keep a pet at the community.

Medicaid is accepted, giving eligible residents a payment option when personal savings may not cover a long stay. The community has a signature program called 1019 Belle’s Place. Zoe Kesler serves as administrator, and 1019 Vermillion Place operates the community.

Contact 1019 Senior Living Vermillion Place

Overview of Gentry Park Senior Living

Administered by Elizabeth Holstein, Gentry Park Senior Living offers assisted living, independent living, and memory care in Bloomington, IN. Along with assistance with daily tasks, housekeeping and concierge services are available for residents’ convenience.

The community has 116 beds and allows pets. Moreover, a fitness center, on-site theater, full-service salon, library, hobby areas, and outdoor spaces give residents places for exercise, entertainment, grooming, reading, hobbies, and time outside. Transportation services and a calendar of games, entertainment, travel, and social events support organized activities and outings.

Contact Gentry Park Senior Living

Overview of Rittenhouse Village at Portage

Rittenhouse Village at Portage offers assisted living, independent living, memory care, and respite care in Portage, IN. Assisted living includes help with daily tasks such as dressing, bathing, and medication while a resident keeps an apartment. Independent living provides private living with community services and no daily care.

Memory care provides a secured setting with supervision for someone who may be at risk of wandering. Respite care offers a short stay for a family caregiver who needs to travel or recover. Having several care levels in one community can suit a resident whose needs grow over time, because moving to another level does not require leaving the community or starting over socially.

The activity calendar includes games, educational lectures, art classes, and live music, giving residents organized options for recreation, learning, creative work, and entertainment. On site therapies focus on strength, balance, and flexibility, allowing residents to work on those areas without arranging therapy elsewhere.

Pets are allowed, so residents may keep their pets with them. The community has 105 beds. Kristin Pawlak serves as administrator, and Discovery Portage Leasing operates the community. This may be a good fit for someone who needs assisted living, independent living, memory care, or a short respite stay, especially when changing care needs make remaining in one community important.

Contact Rittenhouse Village At Portage

Overview of StoryPoint Schererville

Located in the Rolling Hill Estates neighborhood of Schererville, Indiana, StoryPoint Schererville provides independent living, assisted living, and memory care in one community. Operated by 7770 Schererville Opco LLC, the community is led by administrator Stephanie Peterson and director of nursing Natasha Hoskin. With all three care levels, residents can remain in the same community if their care needs change over time.

The 99-bed community is in a three-story building and has served residents for the past 5 years. Apartment choices include studio, one-bedroom, and two-bedroom floor plans, giving residents several living options. Its occupancy is about 89%, showing that the community is well established and regularly chosen by local families.

Transportation services, fitness activities, and recreational programs are available to residents. Pets are also welcome, which may help residents who want to keep an animal companion. Methodist Hospitals Southlake Campus is nearby, so medical visits are convenient for many families. The neighborhood has a Walk Score of 36 out of 100, so most shopping and daily errands are easier to reach by car than on foot.

Recent state inspections have mainly focused on documentation and recordkeeping, staff training and certification, medication administration, and infection control and safety procedures. These topics are worth discussing during a tour. Families should ask questions about daily care, staffing, and resident routines.

$4,422/Month Info Pricing updated on October 12th, 2026

Contact StoryPoint Schererville

Overview of Lake Meadows Senior Assisted Living

A charming retreat set in the scenic Fishers, IN, Lake Meadows Senior Assisted Living offers assisted living and memory care. Promoting a warm and welcoming environment, residents enjoy a worry-free lifestyle with round-the-clock care and support for their daily living activities and special needs. A family communication app is also utilized to keep residents engaged with their families and ease their loneliness.

Prioritizing residents’ happiness and wellness, the community conducts a meticulously prepared calendar of activities and programs. Here, residents’ dietary needs and tastes are met with restaurant-style dining. Housekeeping, utilities, concierge, and transportation assistance are also provided for residents’ convenience alongside medication management and mobility assistance for their healthcare needs. The community strives to create a safe place where residents can age gracefully while enjoying dedicated care and extensive amenities.

Contact Lake Meadows Senior Assisted Living

Overview of Heritage Woods Noblesville

Heritage Woods, located in Noblesville, IN, is a senior living community mainly offering assisted living services and amenities to its residents. In this senior living community, residents will find themselves surrounded by neighbors with common life experiences, as well as caring staff who are available 24/7 to attend to their needs. As part of their assisted living services, residents are provided well designed private accommodations, and staff assistance for their daily living activities as well as medication management.
Additionally, each resident may also enjoy meals and snacks provision, ensuring proper nutrition with a balanced diet. Also, housekeeping and laundry services are also offered, providing convenience, and more opportunities for residents to explore their community and engage with friendly neighbors.

Contact Heritage Woods Noblesville

Overview of Indiana Veterans‘ Home

Indiana Veterans Home provides nursing home, memory care, and skilled nursing in West Lafayette, IN. Nursing home and skilled nursing services provide licensed nursing care on site around the clock, while memory care offers a secured setting with supervision for a resident at risk of wandering. Memory care may be a good fit for someone with dementia who needs this level of supervision.

The community has 212 beds, making it a larger setting with more residents, staff, and programming. Private rooms give each resident an individual sleeping space. Amy Gibson serves as the administrator, and the State of Indiana operates the community.

Payment options include 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 means paying directly. Total nurse staffing is 6 hours and 27 minutes per resident per day, representing the daily hands on nurse staffing time allocated to each resident.

Contact Indiana Veterans‘ Home

Overview of Brickyard Healthcare – Bloomington Care Center

In the vibrant community of Brickyard Healthcare, every chapter of a person’s life is cherished and celebrated. Here, seniors find a haven of specialized care that goes beyond the ordinary, ensuring their senior years are not just lived but truly cherished. The home has highly trained professionals committed to providing top-notch short-term rehab, therapy, nursing, and long-term care. Their round-the-clock clinical expertise ensures that residents receive the highest standard of care, promoting a life of comfort, health, and vitality.

They prioritize building meaningful bonds and relationships with their residents, creating an environment where seniors not only receive expert care but also experience a sense of belonging and warmth. With specialized therapies like occupational, speech, and physical therapy, including joint replacement therapy for those in recovery, residents can regain their independence and vitality. In Bloomington Care Center, seniors can rest assured that their senior years will be hassle-free, allowing them to live comfortably and healthily while receiving the care they deserve.

Contact Brickyard Healthcare – Bloomington Care Center

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
No paid rankings Communities cannot pay to influence placement.
How we're paid: If we help you find a community and you move in, that community may pay us a referral fee. This never affects where they rank or what you pay. Learn more
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Memory Care in Indiana at a glance

Avg Walk Score: 36/ 100The average Walk Score across facilities in Indiana. 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: 128The average licensed bed capacity across facilities in Indiana. Individual facilities can vary widely from this average.
National Average: 90
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Frequently Asked Questions

Can’t find what you’re looking for? Visit our Contact Support

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
  • Memory care specialists
  • Finding and ranking the best independent living communities

Frequently Asked Questions about Memory Care in Indiana

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

Assisted living in Indiana 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.

Does Indiana Medicaid cover memory care?

Indiana Medicaid does not directly pay room-and-board for memory care, but most states (including Indiana) 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 memory care?

Memory care is a specialized form of assisted living for residents living with Alzheimer's disease or other forms of dementia, with secured environments, dementia-trained staff, and routines built to reduce confusion and wandering.

How many memory care communities are listed on this page?

This page features 294 memory care communities in Indiana. Use the filters and comparison tools above to compare ratings, amenities, and pricing.

How do I choose the right memory care community in Indiana?

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 Indiana, 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 memory care communities in Indiana?

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.