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Compare Memory Care around Pennsylvania
Info below is compiled from the PA Depts. of Human Services & Health, senior community websites & trusted data sources such as Walk Score & BBB.
Communities are listed from highest to lowest based on our ranking methodology.
| Homeland Center | MC HC HOS NH PC SNF | Harrisburg (Midtown) | 56
Facility
56
PA AVG
94
Rank
#421 / 553 | No |
75
Facility
75
PA AVG
46
Rank
#110 / 667 | Home For The Friendless, Inc | 93
Facility
93
PA AVG
83
Rank
#85 / 460 | 5 | 0
Facility
0
PA AVG
4
Rank
#1 / 478 | 20%
Facility
20%
PA AVG
72.7%
Rank
#20 / 478 | 2
Facility
2
PA AVG
63
Rank
#20 / 478 | 0.4
Facility
0.4
PA AVG
5.7
Rank
#20 / 478 | Non-Profit | 51
Facility
51
PA AVG
76.9
Rank
#248 / 356 | 1.09 | 83.9% | - |
| Dunwoody Village | MC NH RC SNF | Newtown Square | 81
Facility
81
PA AVG
94
Rank
#288 / 553 | Yes |
64
Facility
64
PA AVG
46
Rank
#183 / 667 | Dunwoody Village Inc | 86
Facility
86
PA AVG
83
Rank
#193 / 460 | 16 | 3
Facility
3
PA AVG
4
Rank
#242 / 478 | 75%
Facility
75%
PA AVG
72.7%
Rank
#312 / 478 | 58
Facility
58
PA AVG
63
Rank
#324 / 478 | 3.6
Facility
3.6
PA AVG
5.7
Rank
#221 / 478 | Non-Profit | 102
Facility
102
PA AVG
76.9
Rank
#94 / 356 | 1.36 | 92.6% | Studio / 1 Bed / 2 Bed |
| Homestead Village | MC AL IL NH SNF | Lancaster (Rohrerstown) | 100
Facility
100
PA AVG
94
Rank
#202 / 553 | Yes |
16
Facility
16
PA AVG
46
Rank
#558 / 667 | Homestead Village Inc | 91
Facility
91
PA AVG
83
Rank
#112 / 460 | 5 | 0
Facility
0
PA AVG
4
Rank
#1 / 478 | 40%
Facility
40%
PA AVG
72.7%
Rank
#39 / 478 | 6
Facility
6
PA AVG
63
Rank
#27 / 478 | 1.2
Facility
1.2
PA AVG
5.7
Rank
#32 / 478 | Non-Profit | - | - | 57.0% | Private Rooms |
| Messiah Lifeways at Messiah Village | MC ADC AL IL NH RESC RC SNF | Mechanicsburg | 190
Facility
190
PA AVG
94
Rank
#21 / 553 | No |
22
Facility
22
PA AVG
46
Rank
#520 / 667 | Messiah Home Inc | 89
Facility
89
PA AVG
83
Rank
#152 / 460 | 9 | 1
Facility
1
PA AVG
4
Rank
#107 / 478 | 77.8%
Facility
77.8%
PA AVG
72.7%
Rank
#345 / 478 | 32
Facility
32
PA AVG
63
Rank
#205 / 478 | 3.6
Facility
3.6
PA AVG
5.7
Rank
#221 / 478 | Non-Profit | 144
Facility
144
PA AVG
76.9
Rank
#21 / 356 | 1.21 | 78.4% | - |
| Riverton Enhanced Senior Living | MC AL IL NH RC SNF | Allentown (Rittersville) | 90
Facility
90
PA AVG
94
Rank
#250 / 553 | No |
56
Facility
56
PA AVG
46
Rank
#236 / 667 | Riverton Operator LLC | 91
Facility
91
PA AVG
83
Rank
#112 / 460 | 12 | 2
Facility
2
PA AVG
4
Rank
#184 / 478 | 58.3%
Facility
58.3%
PA AVG
72.7%
Rank
#150 / 478 | 44
Facility
44
PA AVG
63
Rank
#266 / 478 | 3.7
Facility
3.7
PA AVG
5.7
Rank
#227 / 478 | Profit | 85
Facility
85
PA AVG
76.9
Rank
#132 / 356 | 1.23 | 76.7% | 1 Bed / 2 Bed |
| The Hill at Whitemarsh | MC AL NH RC SNF | Lafayette Hill | 52
Facility
52
PA AVG
94
Rank
#430 / 553 | No |
0
Facility
0
PA AVG
46
Rank
#663 / 667 | Whitemarsh Continuing Care Retirement Community | 91
Facility
91
PA AVG
83
Rank
#112 / 460 | 7 | 1
Facility
1
PA AVG
4
Rank
#107 / 478 | 71.4%
Facility
71.4%
PA AVG
72.7%
Rank
#286 / 478 | 22
Facility
22
PA AVG
63
Rank
#126 / 478 | 3.1
Facility
3.1
PA AVG
5.7
Rank
#189 / 478 | Non-Profit | 31
Facility
31
PA AVG
76.9
Rank
#314 / 356 | 1.24 | 48.1% | Studio / 1 bed / 2 bed / 3 bed |
| Dock Woods | MC AL IL NH RC SNF | Lansdale | 80
Facility
80
PA AVG
94
Rank
#292 / 553 | No |
21
Facility
21
PA AVG
46
Rank
#523 / 667 | Hatfield Mennonite Homes Inc | 86
Facility
86
PA AVG
83
Rank
#193 / 460 | 10 | 2
Facility
2
PA AVG
4
Rank
#184 / 478 | 50%
Facility
50%
PA AVG
72.7%
Rank
#77 / 478 | 29
Facility
29
PA AVG
63
Rank
#188 / 478 | 2.9
Facility
2.9
PA AVG
5.7
Rank
#168 / 478 | Non-Profit | 92
Facility
92
PA AVG
76.9
Rank
#123 / 356 | 1.35 | 85.0% | Studio / 1 Bed / 2 Bed |
| Kendal-Crosslands Communities | MC AL IL NH SNF | Kennett Square | 51
Facility
51
PA AVG
94
Rank
#436 / 553 | Yes |
9
Facility
9
PA AVG
46
Rank
#602 / 667 | Kendal-Crosslands Communities, Inc | 99
Facility
99
PA AVG
83
Rank
#17 / 460 | 6 | 1
Facility
1
PA AVG
4
Rank
#107 / 478 | 33.3%
Facility
33.3%
PA AVG
72.7%
Rank
#27 / 478 | 8
Facility
8
PA AVG
63
Rank
#40 / 478 | 1.3
Facility
1.3
PA AVG
5.7
Rank
#39 / 478 | Non-Profit | 34
Facility
34
PA AVG
76.9
Rank
#304 / 356 | 1.00 | 66.7% | Studio / 1 Bed / 2 Bed |
| Garden Spot Village | MC ADC AL IL NH SNF | New Holland | 110
Facility
110
PA AVG
94
Rank
#164 / 553 | No |
32
Facility
32
PA AVG
46
Rank
#444 / 667 | Garden Spot Village | 92
Facility
92
PA AVG
83
Rank
#98 / 460 | 4 | 1
Facility
1
PA AVG
4
Rank
#107 / 478 | 50%
Facility
50%
PA AVG
72.7%
Rank
#77 / 478 | 6
Facility
6
PA AVG
63
Rank
#27 / 478 | 1.5
Facility
1.5
PA AVG
5.7
Rank
#46 / 478 | Non-Profit | 59
Facility
59
PA AVG
76.9
Rank
#220 / 356 | 1.00 | 56.4% | Studio / 1 Bed / 2 Bed / 3 Bed / Cottage |
| The Philadelphia Protestant Home | MC IL NH SNF | Philadelphia (Northeast Philadelphia) | 188
Facility
188
PA AVG
94
Rank
#23 / 553 | No |
76
Facility
76
PA AVG
46
Rank
#103 / 667 | Philadelphia Protestant Home | 99
Facility
99
PA AVG
83
Rank
#17 / 460 | 7 | 1
Facility
1
PA AVG
4
Rank
#107 / 478 | 42.9%
Facility
42.9%
PA AVG
72.7%
Rank
#50 / 478 | 11
Facility
11
PA AVG
63
Rank
#57 / 478 | 1.6
Facility
1.6
PA AVG
5.7
Rank
#53 / 478 | Non-Profit | - | - | 50.0% | - |
| Moravian Village of Bethlehem | MC AL IL NH SNF | Bethlehem (Central Bethlehem) | 250
Facility
250
PA AVG
94
Rank
#9 / 553 | No |
59
Facility
59
PA AVG
46
Rank
#216 / 667 | Moravian Village Of Bethlehem | 90
Facility
90
PA AVG
83
Rank
#132 / 460 | 9 | 0
Facility
0
PA AVG
4
Rank
#1 / 478 | 55.6%
Facility
55.6%
PA AVG
72.7%
Rank
#123 / 478 | 10
Facility
10
PA AVG
63
Rank
#49 / 478 | 1.1
Facility
1.1
PA AVG
5.7
Rank
#29 / 478 | Non-Profit | 22
Facility
22
PA AVG
76.9
Rank
#339 / 356 | 1.22 | 0 | - |
| Willowbrook Place | MC AL NH RC | Clarks Summit | 80
Facility
80
PA AVG
94
Rank
#292 / 553 | Yes |
45
Facility
45
PA AVG
46
Rank
#341 / 667 | Clarks Summit Aid II Opco LLC | 82
Facility
82
PA AVG
83
Rank
#257 / 460 | 13 | 2
Facility
2
PA AVG
4
Rank
#184 / 478 | 84.6%
Facility
84.6%
PA AVG
72.7%
Rank
#415 / 478 | 68
Facility
68
PA AVG
63
Rank
#352 / 478 | 5.2
Facility
5.2
PA AVG
5.7
Rank
#332 / 478 | Profit | 48
Facility
48
PA AVG
76.9
Rank
#259 / 356 | 1.20 | 52.5% | Studio / 1 Bed |
| Juniper Village at Bucks County | MC AL IL NH SNF | Bensalem | 60
Facility
60
PA AVG
94
Rank
#398 / 553 | Yes |
46
Facility
46
PA AVG
46
Rank
#328 / 667 | Juniper Village At Bensalem Operations LLC | 59
Facility
59
PA AVG
83
Rank
#458 / 460 | 12 | 7
Facility
7
PA AVG
4
Rank
#401 / 478 | 91.7%
Facility
91.7%
PA AVG
72.7%
Rank
#453 / 478 | 150
Facility
150
PA AVG
63
Rank
#436 / 478 | 12.5
Facility
12.5
PA AVG
5.7
Rank
#449 / 478 | Profit | 68
Facility
68
PA AVG
76.9
Rank
#186 / 356 | 1.66 | 66.7% | Studio / 1 Bed / 2 Bed |
| Fellowship Community | MC AL IL NH SNF | Whitehall (Fellowship Community) | 121
Facility
121
PA AVG
94
Rank
#121 / 553 | Yes |
4
Facility
4
PA AVG
46
Rank
#644 / 667 | - | - | - | - | - | - | - | - | - | - | 97.0% | 1 Bed / 2 Bed |
| Freedom Village at Brandywine | MC AL IL NH RC SNF | Coatesville | 60
Facility
60
PA AVG
94
Rank
#398 / 553 | Yes |
9
Facility
9
PA AVG
46
Rank
#602 / 667 | - | - | - | - | - | - | - | - | - | - | 76.8% | 1 Bed / 2 Bed |
Nestled in the neighborhood of Bethlehem, PA, Bethlehem Manor is a classic senior living community, offering compassionate independent living, assisted living, and memory care services. Committed to providing residents with unmatched accommodations, the community features an array of carefully designed residences that fosters a home-like atmosphere and comfortable living experience. A team of fully qualified and skillfully trained care experts are available any time of the day to offer various services, such as personal care, daily living assistance, and more.
Encouraging residents to stay active and engaged on a daily basis, the community also offers a multitude of activities and programs that everyone can enjoy. The community partners with reliable third-party care providers to provide residents with additional care services, such as rehabilitation, podiatry services, and psychiatry services. Here, residents can rest easy knowing that they will be provided with quality care and services.
With a 140-bed capacity, The Vero at Bethlehem is a personal care home in Bethlehem, Pennsylvania, offering assisted living, personal care, respite care, and a secured memory care neighborhood. The community also provides studio, one-, and two-bedroom apartments, with 36 dedicated beds for older adults living with Alzheimer’s disease. It currently maintains a 99% occupancy rate, with over 130 beds occupied.
24-hour personal assistance, nutritious meals, transportation, fitness programs, recreational activities, and outdoor spaces are offered. The pet-friendly environment also allows residents to keep their companion animals. Located a few miles from downtown and near Lehigh Valley Hospital, it also offers convenient access to healthcare while providing a peaceful residential setting.
State inspections have identified areas requiring improvement in medication administration, fire safety, emergency communication, and documentation practices. While some issues have been resolved, others continue to be addressed through corrective action plans.
Sunrise of Haverford is a senior living community located in Haverford, Pennsylvania, offering a variety of lifestyle options, accommodations, and floor plans for residents. The community provides engaging living, personalized care plans, and a wide range of convenient services and wellness-focused amenities to cater to the needs of its residents. Sunrise of Haverford offers both assisted living and memory care services, ensuring that seniors receive the support they require while maintaining their independence.
The assisted living option at Sunrise of Haverford is designed for seniors who need assistance with daily activities such as bathing, dressing, or medication management. The memory care community, on the other hand, specializes in providing care and support for individuals dealing with memory-related conditions like Alzheimer’s or dementia. The community is equipped with trained staff and offers engaging activities to promote well-being while ensuring a safe living environment. Sunrise of Haverford is committed to providing high-quality care and support to its residents, helping them live a fulfilling life in a comfortable and caring environment.
Operating for 45 years, Sunrise of Abington is a personal care home in Abington, Pennsylvania, that offers personal care and memory care. This 110-bed community has a variety of studio, one-bedroom, and two-bedroom layouts in a three-story setting, and currently maintains a 65% occupancy rate. The community is operated by Szr Abington AL OpCo LLC, in a moderately walkable neighborhood with a Walk Score of 57, allowing older adults to reach some nearby destinations on foot.
Over the years, state inspections have identified areas related to community maintenance, environmental management, medication administration and documentation, and staff training. Corrective plans have been submitted and accepted to address these findings and support ongoing regulatory compliance.
Scheduling a tour and discussing maintenance and safety practices, medication management procedures, and staff training with leadership are highly encouraged for interested families. These conversations can provide valuable insight into how quality care and daily operations are managed for older adults.
Moravian Manor is a 40-bed personal care community operated by Unitas Communities, a non-profit, at 300 West Lemon Street in Lititz, Pennsylvania. Private pay is accepted. A Life Plan Community, the facility offers independent living, assisted living, memory care, skilled nursing, 24-hour staffing, respite care, and an in-home care program.
CMS rates Moravian Manor 5 stars, with nurse hours at 5h 43m per resident daily, 25 percent above Pennsylvania average’s and placing it 18th of 203 state SNFs. The compliance record shows improvement: a September 2023 renewal inspection cited 16 deficiencies involving unqualified staff providing unsupervised care, missed fire drills, and outdated resident assessments, as well as systemic gaps with no resident-harm findings, while the September 2024 renewal came back with four, all documentation-related. No complaints, fines, or enforcement actions exist.
Occupancy stands at 73 percent, modestly below Pennsylvania’s 78.7 percent average, indicating some availability. The Life Plan structure, from independent apartments through skilled care, suits residents planning for a continuum rather than a single level.
Situated in Lancaster County, the community fits older adults seeking a non-profit Life Plan campus, with strength in staffing and flexibility across care levels.
Our Lady of the Alleghenies Residence is a 40-bed non-profit personal care home offering personal care, memory care, and respite services at 1037 South Logan Boulevard in Hollidaysburg, Pennsylvania, part of a continuing care retirement community including independent living apartments. Medicare, Medicaid, and private pay are welcomed.
CMS rates the facility 3 stars, with health inspection, staffing, and quality measure sub-ratings each running below Pennsylvania average. The compliance record warrants attention: across four renewal inspections since 2021, the facility averaged 4.3 deficiencies annually, modestly better than 4.7 state average, with no complaints, fines, or enforcement actions recorded. Deficiencies have been limited to medication documentation and resident assessment paperwork. Nurse hours run 4h 53m per resident per day, 7 percent above Pennsylvania average and placing the facility 51st of 203 state SNFs. Occupancy stands at 65 percent, below 78.7 percent state average and on a declining trend, suggesting current availability. The CCRC structure allows residents to move between independent living and personal care as needs change.
The community fits older adults requiring a small personal care setting within a continuing care campus in Blair County. It has access to independent living and flexibility across care levels.
Located in Verona, Pennsylvania, Longwood at Oakmont Personal Care Center is a small nursing home operated by Longwood at Oakmont Inc., which is owned by Presbyterian SeniorCare. It is located on more than 60 rolling acres of well-maintained grounds in a very walkable area, so most errands are easy to accomplish on foot. The home is licensed for 49 residents, with 20 residents, so each resident receives more individualized attention.
Seniors typically stay for about 114 days, a timeframe typical of post-acute rehabilitation residents and those needing ongoing nursing care. The facility’s daily hands-on support is generous. Total daily nurse staffing averages 5 hours and 28 minutes per resident, while nurse aides provide 4 hours and 35 minutes per resident. This staffing level is sufficient to support direct personal care, mobility assistance, and assistance with activities of daily living.
Families can choose from Medicare and private pay to cover care. Available amenities are various dining venues, a swimming pool, a putting green, and an acreage for outdoor activities and walking.
When the facility was inspected by the state, some of the deficiencies involved ongoing attention to documentation and safety procedures. The facility has worked on these findings, including those related to record security, temperature management, medication labeling, emergency preparedness, and fire safety protocols. Staff were also educated as a plan of correction.
Families considering Longwood at Oakmont should take a tour to see the care environment, meet the staff, and understand how the facility’s small size and rural setting fit their needs.
Owned by Watermark Bre Investments, Bellingham at West Chester is a post-acute rehabilitation and nursing community at 1615 East Boot Road in West Chester, Pennsylvania. Found in a highly walkable area with a Walk Score of 98, the home operating under Lcs Bellingham Tenant Llc is close to nearby hospitals and medical services, convenient for residents and visiting families. The community caters to those recuperating from surgery or hospitalization, focusing on short-term rehabilitation and reflecting an average stay length of 32 days. The 80-bed home currently operates at a 70 percent occupancy rate.
Total nursing care averages 3 hours 43 minutes per resident day, providing consistent hands-on support alongside registered nurses and licensed practical nursing presence. Bellingham at West Chester accepts Medicare and private pay, creating ways for residents with different insurance coverage. Everyday life is supported by restaurant-style dining featuring chef-prepared meals, which many occupants find more engaging than typical facility food service. The community offers respite care and short-term stay choices for families seeking momentary placement during transition periods. Activities and programming highlight continued learning, physical fitness, and social connection, anchored by on-site amenities including a pool, exercise classes, a living room for gatherings, and a beauty and barber shop. Laundry services reduce the load on residents and families managing personal clothing needs. Operating for two years, the facility is relatively new to the community.
Since opening, the home has undergone state inspections that have marked administrative and operational areas for attention. These include staff training and certification, and documentation completeness. Such areas are worth asking about during a tour to learn how the facility manages ongoing improvements.
Sunrise of McCandless is a senior living community situated in an ideal Pittsburgh, Pennsylvania location, providing a personalized lifestyle where residents’ days can be filled with beloved hobbies, good friends, and fine cuisine. The community offers room rates starting at $5,594 per month and caters to those navigating the complexities of memory loss, offering Terrace Club, an innovative program for those experiencing early memory loss, and the Reminiscence Neighborhood for people with more advanced memory loss. Sunrise of McCandless develops individualized plans for each resident to ensure their requirements are fully met, with plans evolving as needs mature, accommodating residents’ evolving concerns and securing their future in the community.
The community features a resident-centered approach where needs and preferences are respected, with an activity calendar headlined by resident-inspired clubs like Poker, Walking, Rosary, and Doc-U-Club. Sunrise of McCandless offers a variety of accommodations and floor plans, allowing couples to continue living together in companion suites, while highly trained chefs seek regular input from residents to understand which menu items should be featured. Conveniently located in Pittsburgh, PA, across from the newly developed McCandless Crossings, minutes from North Park and Ross Park Mall, and with medical services available at nearby Passavant Hospital, Sunrise of McCandless provides a personalized and engaging senior living experience.
Arden Courts A ProMedica Memory Care Community in Susquehanna
Arden Courts of Susquehanna is a distinguished senior living community that has been providing exceptional memory care services for nearly a quarter of a century. With a focus on preserving independence, residents receive compassionate care tailored to their individual needs. The dedicated team of caregivers is available 24/7 to offer assistance and support, ensuring a high level of care and security. Here, residents have access to a wide range of enriching activities that promote cognitive, physical, and emotional well-being. These activities are designed to stimulate the mind, energize the body, and uplift the spirit, fostering a sense of engagement and fulfillment. The community places a strong emphasis on staff education and training, ensuring that the latest dementia caregiving techniques are employed to provide residents with the best possible care.
Arden Courts of Susquehanna offers comfortable common areas, including inviting kitchens, family rooms, and beautifully landscaped walking paths in a secure backyard, creating a homelike environment. Each resident enjoys the privacy and convenience of self-contained house communities, featuring their own bedrooms, living rooms, dining rooms, kitchens, half-baths, and laundry areas. Additionally, residents can socialize and participate in various activities in the shared spaces, such as arts and craft studios and wellness centers. Discover the peace of mind knowing that your loved one is in a safe, engaging, and caring environment at Arden Courts of Susquehanna.
Ranking Methodology
How we rank these memory care communities
Every community above is evaluated across six weighted categories using public data including state inspection records, review platforms, BBB profiles, and operator-published materials.
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 Memory Care in Pennsylvania
What's the difference between assisted living and memory care in Pennsylvania?
Assisted living in Pennsylvania 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 Pennsylvania Medicaid cover memory care?
Pennsylvania Medicaid does not directly pay room-and-board for memory care, but most states (including Pennsylvania) 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 392 memory care communities in Pennsylvania. Use the filters and comparison tools above to compare ratings, amenities, and pricing.
How do I choose the right memory care community in Pennsylvania?
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 Pennsylvania, 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 Pennsylvania?
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.



















