Page 14 of Best Memory Care in Indiana

Why trust this guide? Our editorial team analyzed 289 memory care communities in IN using IN Dept. of Health (IDOH) data, inspection records, complaints, amenities, and facility-level details. How we rank memory care in IN
Reviewed by
Last updated
We analyzed These are the facilities in Indiana our team has analyzed — not a count of every memory care provider in Indiana.
289 homes
Other senior care options in Indiana:
Avg Walk Score: 40/ 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: 116The average licensed bed capacity across facilities in Indiana. Individual facilities can vary widely from this average.
National Average: 90

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 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. 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.
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.
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.
Total complaints filed or tracked in the state system for the facility in the reporting window. A volume metric—read alongside inspections and deficiencies.
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.
Brookdale Valparaiso Memory Care
MC
Valparaiso
92
Facility 92
IN AVG 116
Rank #276 / 431
Yes
46
Facility 46
IN AVG 40
Rank #233 / 551
Suite
2
Facility 2
IN AVG 8
Rank #130 / 417
60.9%
Facility 60.9%
IN AVG 66.9%
Rank #265 / 410
-Judith SipichBrookdale Senior Living Communities IncHope Pozil2-
6
Facility 6
IN AVG 36
Rank #42 / 318
3.0
Facility 3.0
IN AVG 1.9
Rank #207 / 309
Rittenhouse Village At Northside
MC
AL
RC
Indianapolis (Washington Township)
100
Facility 100
IN AVG 116
Rank #234 / 431
No
13
Facility 13
IN AVG 40
Rank #438 / 551
1 Bed
7
Facility 7
IN AVG 8
Rank #110 / 417
64.0%
Facility 64.0%
IN AVG 66.9%
Rank #240 / 410
A+Pamala WilliamsDiscovery Northside Acquisition LLCDana Hildebrandt8
5
Facility 5
IN AVG 5
Rank #169 / 290
26
Facility 26
IN AVG 36
Rank #176 / 318
3.3
Facility 3.3
IN AVG 1.9
Rank #222 / 309
Cedar Creek of Bloomington
MC
Bloomington
66
Facility 66
IN AVG 116
Rank #353 / 431
Yes
16
Facility 16
IN AVG 40
Rank #419 / 551
Suite
1
Facility 1
IN AVG 8
Rank #156 / 417
53.0%
Facility 53.0%
IN AVG 66.9%
Rank #316 / 410
A-Tamara VaughnBloomington Al, LLCPolly Miller1-
3
Facility 3
IN AVG 36
Rank #17 / 318
3.0
Facility 3.0
IN AVG 1.9
Rank #207 / 309
Bickford of Greenwood
MC
AL
Greenwood
82
Facility 82
IN AVG 116
Rank #317 / 431
Yes
50
Facility 50
IN AVG 40
Rank #205 / 551
-
1
Facility 1
IN AVG 8
Rank #156 / 417
53.7%
Facility 53.7%
IN AVG 66.9%
Rank #312 / 410
-Jamie LanghansBickford Of Greenwood, LLCRhea Barker15
8
Facility 8
IN AVG 5
Rank #251 / 290
21
Facility 21
IN AVG 36
Rank #146 / 318
1.4
Facility 1.4
IN AVG 1.9
Rank #84 / 309
Greenwood Meadows
MC
HOS
IL
NH
RC
SNF
Greenwood
169
Facility 169
IN AVG 116
Rank #55 / 431
--Private Rooms / Semi-Private Rooms
1
Facility 1
IN AVG 8
Rank #156 / 417
86.4%
Facility 86.4%
IN AVG 66.9%
Rank #55 / 410
-Laura DyerHealth And Hospital Corporation Of Marion CountyAshley Maire27
4
Facility 4
IN AVG 5
Rank #128 / 290
34
Facility 34
IN AVG 36
Rank #214 / 318
1.3
Facility 1.3
IN AVG 1.9
Rank #69 / 309
Hamilton Trace
MC
AL
IL
NH
SNF
Fishers
210
Facility 210
IN AVG 116
Rank #26 / 431
No
33
Facility 33
IN AVG 40
Rank #312 / 551
Private Rooms
1
Facility 1
IN AVG 8
Rank #156 / 417
48.6%
Facility 48.6%
IN AVG 66.9%
Rank #346 / 410
-Allie Craycraft IIIHendricks County HospitalRobert Stewart13
4
Facility 4
IN AVG 5
Rank #128 / 290
51
Facility 51
IN AVG 36
Rank #263 / 318
3.9
Facility 3.9
IN AVG 1.9
Rank #245 / 309
Golden Years Homestead
MC
AL
HOS
IL
NH
PC
SNF
Fort Wayne
165
Facility 165
IN AVG 116
Rank #62 / 431
Yes
7
Facility 7
IN AVG 40
Rank #496 / 551
1 Bed / 2 Bed
2
Facility 2
IN AVG 8
Rank #130 / 417
50.9%
Facility 50.9%
IN AVG 66.9%
Rank #333 / 410
-Shauna ShaferWoodlawn HospitalRhonda Chapman30
8
Facility 8
IN AVG 5
Rank #251 / 290
40
Facility 40
IN AVG 36
Rank #232 / 318
1.3
Facility 1.3
IN AVG 1.9
Rank #69 / 309
Hamilton Pointe Health and Rehabilitation Center
MC
AL
IL
NH
RC
SNF
Newburgh
201
Facility 201
IN AVG 116
Rank #28 / 431
Yes
11
Facility 11
IN AVG 40
Rank #455 / 551
Studio / 1 Bed / 2 Bed
2
Facility 2
IN AVG 8
Rank #130 / 417
46.3%
Facility 46.3%
IN AVG 66.9%
Rank #362 / 410
A+Shawn CatesRiverview HospitalBarbara Simpson23
9
Facility 9
IN AVG 5
Rank #263 / 290
46
Facility 46
IN AVG 36
Rank #252 / 318
2.0
Facility 2.0
IN AVG 1.9
Rank #131 / 309
Majestic Care of North Vernon
MC
HOS
NH
RC
SNF
North Vernon
120
Facility 120
IN AVG 116
Rank #166 / 431
No
65
Facility 65
IN AVG 40
Rank #109 / 551
-
2
Facility 2
IN AVG 8
Rank #130 / 417
84.2%
Facility 84.2%
IN AVG 66.9%
Rank #73 / 410
-Daniel KernDaviess County HospitalKathleen Mollenhoff24
6
Facility 6
IN AVG 5
Rank #202 / 290
66
Facility 66
IN AVG 36
Rank #288 / 318
2.8
Facility 2.8
IN AVG 1.9
Rank #196 / 309
Beaumont Rehabilitation and Healthcare Center
MC
HOS
NH
RC
SNF
Anderson (Forest Hills)
200
Facility 200
IN AVG 116
Rank #29 / 431
No
22
Facility 22
IN AVG 40
Rank #383 / 551
Private / Semi-Private Rooms
1
Facility 1
IN AVG 8
Rank #156 / 417
52.0%
Facility 52.0%
IN AVG 66.9%
Rank #321 / 410
-Brent SwanDaviess County HospitalLeslie Levell36
10
Facility 10
IN AVG 5
Rank #271 / 290
46
Facility 46
IN AVG 36
Rank #252 / 318
1.3
Facility 1.3
IN AVG 1.9
Rank #69 / 309

Rank badges are statewide: each community is ranked against every IN community we track that reports that metric, not just the 289 on this page.

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Overview of Independence Village of Fishers East

The 87-bed mid-rise in Fishers, Indiana, has been running for 19 years, which is a meaningful track record for an assisted living and memory care community. Independence Village of Fishers East (Saxony) sits in the Saxony Village neighborhood at a Walk Score of 12; so the area it’s in is car-dependent in every practical sense, but transportation services are available for residents who need them. The building is open to adults 55 and older and accepts pets.

Studio, one-bedroom, and two-bedroom apartments are on offer, and 65 of the 87 units are currently occupied, a 75% rate. Care types span assisted living, independent living, memory care, and respite stays, with 24-hour staffing across all of them. Art therapy is the one named program on the profile. Chef-prepared meals come out of the dining room, a spa is on-site, and fitness and recreation services are confirmed.

Administrator Christine Bright and Director of Nursing Tina Brown lead the operation. State inspections by the Indiana Department of Health have tended to concentrate on medication management, infection prevention and control, and care planning and documentation.

At 87 beds with a 75% occupancy rate, multiple care types, and 19 years in the Saxony Village neighborhood, this community is a mid-size, established option for older adults in Fishers looking for assisted living, memory care, or independent living with daily support built in.

Contact Independence Village of Fishers East

Overview of Brookdale Valparaiso Memory Care

Brookdale Valparaiso is a specialized memory care community located in Valparaiso, Indiana. They provide compassionate and respectful care to seniors facing challenges from Alzheimer’s or dementia. The community offers personalized memory care through their Clare Bridge program for mid to late stages of dementia and their Solace program for advanced stages. With consistent care assignments and tailored care plans, Brookdale Valparaiso ensures each resident receives the attention and support they need in a comfortable, home-like setting.

Dedicated to providing an encouraging environment to its residents, Brookdale Valparaiso offers an array of amenities designed to make resident’s lives comfortable. This includes an emergency alert system, pet-friendly policies, a library, beauty/barber shop, and landscaped grounds. Residents can relax on the porch, enjoy the fireside living room, or play the piano. Additional services such as postal services and personal solutions are also available, all within a peaceful and quiet atmosphere with easy access to the city center.

Contact Brookdale Valparaiso Memory Care

Overview of Rittenhouse Village at Northside

Experience a better quality of life with Rittenhouse Village at Northside, a dedicated community in Indianapolis, IN, offering assisted living and memory care. Residents receive top-notch care for their special needs from a kind and well-trained team available around the clock. With specially designed and cozy accommodations, residents can keep their peace of mind and thrive in their golden years.

Here, residents live actively and maintain social connections with a thoughtfully curated calendar of engaging programs and exciting events. Mealtimes foster comfort and satisfy dietary needs with delightful and healthy dining options. The community strives to promote a vibrant and welcoming environment, ensuring residents live a blissful retirement.

Contact Rittenhouse Village At Northside

Overview of Cedar Creek of Bloomington

The sister community of Cedarhurst Senior Living Community, Cedar Creek of Bloomington, is an assisted senior living home with a memory care unit that has created a wonderful experience in fully supporting all residents. They boast a dedicated team of care staff who celebrate each unique individual by ensuring complete care and attention to the residents. Cedar Creek provides a home where every individual, from staff to residents, can build new connections and create new memories in their new home.

Cedar Creek of Bloomington offers many services to make residents feel at home, including weekly housekeeping, laundry and linen, transportation, and a recreation room for fun activities. There is also an on-site full-service salon where residents can pamper themselves and feel their best. Outdoor spaces and paths provide a serene and peaceful environment for relaxation and reflection.

Contact Cedar Creek of Bloomington

Overview of Bickford of Greenwood

Settled in the peaceful community of Greenwood, IN, the Bickford of Greenwood is a welcoming senior living community providing assisted living and memory care services. A wide range of cozy and well-appointed accommodations with different floor plans are available for its residents based on their preferences. As for memory care, those with cognitive conditions like dementia receive round-the-clock professional care, specialized programming, and a thoughtfully designed Mary B’s Neighborhood.

Enjoy its top-notch amenities and services to maximize the living experience in this beautiful place. Experience restaurant-style dining with healthy meals prepared by a talented culinary team. Avail of their HigherPart Care Coordination, medication management, and transportation services. Meet new companions and create unforgetabble memories together through its various social activities and community events coordinated by a professional team. Equipped with the right tools and people, seniors are assured of a worthwhile living experience with the Bickford of Greenwood.

Contact Bickford of Greenwood

Overview of Greenwood Meadows

Conveniently located in Greenwood, IN, Greenwood Meadows is a remarkable senior living community offering excellent short-term rehabilitation, long-term care, outpatient therapy, independent living, and respite care. The community makes sure residents have access to the services they need even as their care requirements evolve by providing access to memory care for those living with memory loss and hospice care for residents’ end-of-life care needs. With access to physical, occupational, and speech therapy services, residents can maintain their overall functionality and preserve their independence.

Featuring a team of skillfully trained and committed clinicians, residents are bound to enjoy a speedy and comfortable recovery journey. Various wellness and rehabilitation programs help residents maintain their strength, mobility, and functionality to continue enjoying their independence. At Greenwood Meadows, residents always have the services and support they need to enjoy and live their retirement years to the fullest.

Contact Greenwood Meadows

Overview of Hamilton Trace

Hamilton Trace, located in Fishers, Indiana, offers the perfect blend of independent living with the comforts of home. Nestled in the heart of Fishers, The Reserve is a community designed to adapt to your lifestyle, not the other way around. Independent living residents have access to a host of amenities that enhance their daily lives. Moreover, staying active is a breeze at Hamilton Trace. From painting classes and book clubs to exercise sessions and community volunteering, there’s many possibilities to explore. The community fosters a vibrant and dynamic environment where the potential for engagement and enjoyment knows no bounds.

Residents have the choice between apartment homes or standalone cottages, ranging from one bedroom to three, allowing them to tailor their living space to their preferences. Here, the worries of yard work and laundry are a thing of the past, as dedicated staff ensure that all such chores are taken care of. Dining is a delightful experience with extraordinary meal plans, featuring new and delicious creations crafted by their talented chef. Should residents choose to venture beyond the community, the town center is conveniently nearby. For those seeking an extra hand, the on-site concierge service is readily available to assist with personal requests.

Contact Hamilton Trace

Overview of Golden Years Homestead

Enjoy the retirement of your dreams at Golden Years Homestead, a distinguished community in Fort Wayne, IN, offering independent living. Featuring a variety of well-thought-out accommodations, the community ensures residents are comfortable and safe. Routine maintenance and a 24-hour emergency response are also provided, so residents have a worry-free lifestyle.

Fun recreational activities and enriching programs are conducted, encouraging residents to live actively and maintain social connections. With restaurant-style dining, residents have a hassle-free dining experience that caters to their dietary needs and preferences. This pet-friendly community has plenty of amenities that aim to promote a vibrant and inviting environment for residents to thrive in their golden years.

Contact Golden Years Homestead

Overview of Hamilton Pointe Health and Rehabilitation Center

The Village at Hamilton Pointe is a senior living community that offers a unique blend of care and comfort for residents. Conveniently located in Newburgh, Indiana, The Village at Hamilton Pointe creates a welcoming environment where seniors can thrive and enjoy their golden years to the fullest. A comprehensive range of services, including Assisted Living, Independent Living, Memory Care, Skilled Nursing Care, and Rehabilitation, empowers residents to live their best lives, regardless of their individual needs.

At The Village at Hamilton Pointe, residents are cared for by a compassionate and dedicated staff, ensuring personalized support that fosters a sense of belonging within the close-knit community. The community firmly believes in enriching the lives of its residents, offering comfort, care, and companionship throughout their individual journeys.

Contact Hamilton Pointe Health and Rehabilitation Center

Overview of Majestic Care of North Vernon

Located in North Vernon, Indiana, Majestic Care of North Vernon is a skilled nursing and rehabilitation community that operates in partnership with Daviess County Hospital and is administered by Daniel Kern. The 120-bed community on Henry Street is in a moderately walkable area, so some daily errands can be completed on foot.

The facility has an occupancy rate of 84%. Residents stay an average of 229 days, including short-term rehabilitation patients and those receiving longer-term nursing care. Medicare, Medicaid, and private pay are accepted, giving families several options for covering care expenses.

The community provides a broad range of post-acute and rehabilitation services. Skilled nursing care is supported by on-site physical, occupational, and speech therapy. Residents can also participate in aquatic therapy as they recover from surgery, stroke, or other health conditions that require rehabilitation. Behavioral health services are available for those with specialized mental health needs. There’s also a secured memory neighborhood with Alzheimer’s support services for residents experiencing cognitive decline.

Additional specialty programs include dialysis care. The facility also provides Home Health services, pediatric care, and child care on-site due to its hospital-affiliated model. Through these programs, the community can support residents with a wide variety of clinical and rehabilitation needs.

Daily nurse staffing averages 2 hours and 44 minutes per resident. Registered nurses provide about 20 minutes of care per resident each day, while nurse aides contribute approximately 2 hours and 3 minutes of personal care.

State inspections have identified concerns related to medication management, infection control, food safety, and staff licensure compliance. Families touring the facility should ask leadership about these areas and the steps being taken to address inspection findings. The community is entering its second year of operation. It’s refining procedures and implementing improvements based on those reviews.

Contact Majestic Care of North Vernon

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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Frequently Asked Questions

What government services provide money for senior housing?

Several government programs offer financial assistance for senior housing in various countries, focusing on the United States for a broad overview:

  • Medicaid: Medicaid is a state and federally funded program that can cover the costs of nursing home care for those who meet eligibility criteria, including income and asset limits. Some states also offer Medicaid waivers that help pay for home and community-based services to prevent or delay nursing home placement.
  • Medicare: Medicare, primarily a health insurance program for people aged 65 and over, does not cover long-term housing costs. However, it can cover short-term stays in a skilled nursing facility under specific conditions following a hospital stay.
  • Section 202 Supportive Housing for the Elderly Program: This program provides housing for low-income seniors. It offers rental assistance and access to supportive services, such as cleaning, cooking, and transportation.
  • Low-Income Housing Tax Credit (LIHTC) Properties: While not a direct subsidy, LIHTC encourages developers to create affordable housing. Seniors with low incomes can find reduced-rent apartments through this program.
  • State and Local Programs: Many states, counties, and cities offer their own programs to assist seniors with housing costs. These can include property tax relief programs, rental assistance programs, and programs that offer affordable senior housing options.
  • Veterans Affairs (VA): The VA offers several programs for veterans, including the Aid and Attendance benefit, which provides monthly payments to veterans who require the aid of another person, or are housebound, to help cover the cost of care in homes, nursing homes, and assisted living facilities.
  • Social Security: While Social Security primarily provides retirement income, for many seniors, these benefits are a crucial part of their budget, including housing costs.
How do you pick the homes you recommend?

Before recommending homes, we conduct a thorough evaluation on crucial factors that define a senior home such as the quality of care they provide, the reputation of the organization, and a comprehensive review of community testimonials as well. Every detail is assessed to assure that seniors are offered not just senior care options, but trustworthy homes where they can experience the care that they deserve.

Do you help families that need Medicaid?

Yes. Assisting families who need Medicaid is important to us as it plays a crucial role in offering financial support to seniors confronting economic challenges. We would like to keep essential healthcare services accessible to all community members, irrespective of one’s financial circumstances.

How much does this service cost?

We extend our services at no cost, ensuring that families and seniors can benefit from tailored assistance in their search for care and home options. Our ability to offer personalized guidance without charge to families and seniors is made possible through the support and funding from the communities with which we team up. 

What services do you offer?
  • Finding and ranking the best assisted living facilities
  • Finding and ranking the best nursing homes
  • Finding and ranking the best memory care facilities
  • Our concierge service helps seniors move into the perfect home for them
  • Helping seniors use medicare, medicaid, and other government programs to pay for their homes
  • Helping seniors avoid senior homes that have bad service or fraud
  • 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 289 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.