Page 7 of Best Memory Care in Pennsylvania

Why trust this guide? Our editorial team analyzed 396 memory care communities in PA using PA Depts. of Human Services & Health data, inspection records, complaints, amenities, and facility-level details. How we rank memory care in PA
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Last updated
We analyzed These are the facilities in Pennsylvania our team has analyzed — not a count of every memory care provider in Pennsylvania.
396 homes
Other senior care options in Pennsylvania:
Avg Walk Score: 47/ 100The average Walk Score across facilities in Pennsylvania. 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: 94The average licensed bed capacity across facilities in Pennsylvania. Individual facilities can vary widely from this average.
National Average: 90

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.

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. RESC (Residential Care): Personal care and daily-living support in a smaller, more intimate residential setting. 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.
Name of the licensed owner, operator, or managing entity as filed with the state. Useful for grouping facilities under the same organization.
Count of regulatory inspections in the reporting window. Higher volume can reflect more oversight visits, complaint-driven surveys, or routine licensure cycles.
Number of inspections triggered by complaints or allegations. Useful for spotting facilities that receive frequent complaint-driven scrutiny.
Share of inspections that resulted in citations, expressed as a percentage of total inspections in the window.
Total count of citations (cited regulatory issues) recorded in the selected reporting period. Read alongside inspection counts for context.
The average number of citations this facility receives each time it's inspected, calculated as total citations ÷ total inspections. A lower number suggests more consistent compliance with safety and care standards.
Reported profit orientation for the operator or facility (e.g. for-profit vs nonprofit), as provided in state licensing or disclosure data.
Total daily staff count from Pennsylvania inspection/licensing data (headcount snapshot), when reported.
The total number of staff employed per resident. A number greater than or = to 1 is a positive care signal.
Reported or derived occupancy for the facility—typically how fully licensed capacity is utilized. Compare across peers in the same market.
Housing or bed configuration options (e.g. studio, shared), often from facility-reported amenities and licensing details.
Sunrise of Abington
MC
AL
HOS
IL
Abington
110
Facility 110
PA AVG 94
Rank #164 / 552
Yes
57
Facility 57
PA AVG 47
Rank #226 / 657
Szr Abington Al Opco LLC15
6
Facility 6
PA AVG 4
Rank #376 / 478
67%
Facility 67%
PA AVG 67.4%
Rank #214 / 478
95
Facility 95
PA AVG 63
Rank #398 / 478
6.3
Facility 6.3
PA AVG 5.1
Rank #371 / 478
For-Profit
109
Facility 109
PA AVG 76.9
Rank #79 / 357
1.47
65.5%
Facility 65.5%
PA AVG 69.7%
Rank #301 / 494
Studio / 1 Bed / 2 Bed
Ecumenical Retirement Community
MC
AL
IL
Harrisburg (Susquehanna)
88
Facility 88
PA AVG 94
Rank #263 / 552
Yes
41
Facility 41
PA AVG 47
Rank #375 / 657
Ecumenical Communities Inc10
2
Facility 2
PA AVG 4
Rank #184 / 478
70%
Facility 70%
PA AVG 67.4%
Rank #262 / 478
35
Facility 35
PA AVG 63
Rank #217 / 478
3.5
Facility 3.5
PA AVG 5.1
Rank #207 / 478
Non-Profit
63
Facility 63
PA AVG 76.9
Rank #204 / 357
1.00
71.6%
Facility 71.6%
PA AVG 69.7%
Rank #247 / 494
Studio / Suite
Overlook Green Senior Living
MC
AL
Pittsburgh
128
Facility 128
PA AVG 94
Rank #97 / 552
Yes
30
Facility 30
PA AVG 47
Rank #467 / 657
Snh Penn Tenant LLC15
5
Facility 5
PA AVG 4
Rank #344 / 478
53%
Facility 53%
PA AVG 67.4%
Rank #104 / 478
38
Facility 38
PA AVG 63
Rank #226 / 478
2.5
Facility 2.5
PA AVG 5.1
Rank #122 / 478
For-Profit
84
Facility 84
PA AVG 76.9
Rank #135 / 357
1.18
53.1%
Facility 53.1%
PA AVG 69.7%
Rank #403 / 494
Studio / 1 Bed
Brightview Devon
MC
AL
IL
Wayne
95
Facility 95
PA AVG 94
Rank #239 / 552
Yes
74
Facility 74
PA AVG 47
Rank #117 / 657
Bh Brightview Devon Opco, LLC13
2
Facility 2
PA AVG 4
Rank #184 / 478
77%
Facility 77%
PA AVG 67.4%
Rank #331 / 478
71
Facility 71
PA AVG 63
Rank #358 / 478
5.5
Facility 5.5
PA AVG 5.1
Rank #341 / 478
For-Profit
137
Facility 137
PA AVG 76.9
Rank #27 / 357
1.88
73.7%
Facility 73.7%
PA AVG 69.7%
Rank #226 / 494
Studio / 1 Bed / 2 Bed
Maple Shade Meadows Senior Living
MC
AL
RESC
RC
Nesquehoning (New Columbus)
85
Facility 85
PA AVG 94
Rank #267 / 552
No
38
Facility 38
PA AVG 47
Rank #397 / 657
Maple Shade Meadows LP18
5
Facility 5
PA AVG 4
Rank #344 / 478
44%
Facility 44%
PA AVG 67.4%
Rank #51 / 478
86
Facility 86
PA AVG 63
Rank #387 / 478
4.8
Facility 4.8
PA AVG 5.1
Rank #297 / 478
For-Profit
160
Facility 160
PA AVG 76.9
Rank #11 / 357
2.81
76.5%
Facility 76.5%
PA AVG 69.7%
Rank #196 / 494
Private Rooms / Semi-Private Rooms
The Meadows at Shannondell
MC
AL
HOS
Audubon
171
Facility 171
PA AVG 94
Rank #35 / 552
No
62
Facility 62
PA AVG 47
Rank #200 / 657
Shannondell Inc16
5
Facility 5
PA AVG 4
Rank #344 / 478
63%
Facility 63%
PA AVG 67.4%
Rank #182 / 478
63
Facility 63
PA AVG 63
Rank #340 / 478
3.9
Facility 3.9
PA AVG 5.1
Rank #241 / 478
For-Profit
204
Facility 204
PA AVG 76.9
Rank #2 / 357
1.43
83.6%
Facility 83.6%
PA AVG 69.7%
Rank #116 / 494
-
Oakbridge Terrace at Normandy Farms Estates
MC
AL
HOS
IL
NH
PC
SNF
Blue Bell
58
Facility 58
PA AVG 94
Rank #416 / 552
No
48
Facility 48
PA AVG 47
Rank #303 / 657
Acts Retirement-Life Communities Inc6
1
Facility 1
PA AVG 4
Rank #108 / 478
67%
Facility 67%
PA AVG 67.4%
Rank #214 / 478
25
Facility 25
PA AVG 63
Rank #149 / 478
4.2
Facility 4.2
PA AVG 5.1
Rank #260 / 478
Non-Profit
59
Facility 59
PA AVG 76.9
Rank #220 / 357
1.23
79.3%
Facility 79.3%
PA AVG 69.7%
Rank #159 / 494
-
Juniper Village at Monroeville
MC
AL
Monroeville
126
Facility 126
PA AVG 94
Rank #100 / 552
No
49
Facility 49
PA AVG 47
Rank #292 / 657
Juniper Village At Monroeville LLC16
9
Facility 9
PA AVG 4
Rank #449 / 478
31%
Facility 31%
PA AVG 67.4%
Rank #18 / 478
29
Facility 29
PA AVG 63
Rank #180 / 478
1.8
Facility 1.8
PA AVG 5.1
Rank #53 / 478
For-Profit
96
Facility 96
PA AVG 76.9
Rank #112 / 357
1.45
50.0%
Facility 50.0%
PA AVG 69.7%
Rank #419 / 494
-
The Pines Senior Living
MC
AL
IL
RESC
RC
Clarks Summit
72
Facility 72
PA AVG 94
Rank #339 / 552
No
11
Facility 11
PA AVG 47
Rank #594 / 657
Millett Pines LLC8
2
Facility 2
PA AVG 4
Rank #184 / 478
63%
Facility 63%
PA AVG 67.4%
Rank #182 / 478
19
Facility 19
PA AVG 63
Rank #102 / 478
2.4
Facility 2.4
PA AVG 5.1
Rank #108 / 478
For-Profit
77
Facility 77
PA AVG 76.9
Rank #167 / 357
1.43
80.6%
Facility 80.6%
PA AVG 69.7%
Rank #144 / 494
Private / Companion
Halcyon at Bridgeville
MC
AL
RC
Bridgeville
88
Facility 88
PA AVG 94
Rank #263 / 552
No
80
Facility 80
PA AVG 47
Rank #78 / 657
Halcyon Senior Living LLC17
2
Facility 2
PA AVG 4
Rank #184 / 478
53%
Facility 53%
PA AVG 67.4%
Rank #104 / 478
48
Facility 48
PA AVG 63
Rank #280 / 478
2.8
Facility 2.8
PA AVG 5.1
Rank #153 / 478
For-Profit
97
Facility 97
PA AVG 76.9
Rank #106 / 357
1.49
73.9%
Facility 73.9%
PA AVG 69.7%
Rank #220 / 494
-

Rank badges are statewide: each community is ranked against every PA community we track that reports that metric, not just the 396 on this page.

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Overview of Sunrise of Abington

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.

Contact Sunrise of Abington

Overview of Ecumenical Retirement Community

With an 88-bed capacity, Ecumenical Retirement Community is a personal care home in Harrisburg, Pennsylvania, offering independent living, personal care, assisted living, and memory care. The community also features a single-story setting with a variety of studio and suite residences available. Currently, it has 63 beds occupied, reflecting a 72% occupancy rate.

Three freshly prepared meals each day, weekly housekeeping and linen services, transportation assistance, nursing and personal care support are provided, along with specialized therapeutic services for cognitive conditions. Licensed nurses and certified nursing assistants also support residents. Additionally, social activities, community outreach programs, and fitness opportunities are available. The community is also pet-friendly.

Meanwhile, the neighborhood has a Walk Score of 41, suggesting that most errands and appointments are more convenient by car.

Contact Ecumenical Retirement Community

Overview of Overlook Green Senior Living

Situated in the calm neighborhood of Pittsburgh, PA, Overlook Green Senior Living is an enchanting senior living community that offers personal care, memory care, respite care, and short-term stays. The community offers cozy residences ranging from studios to companion apartments. Residents’ welfare are guaranteed with 24/7 care assistance, exceptional dining, licensed nurses availability, and Bridge to Rediscovery programming for residents dealing with memory loss.

The community’s Lifestyle360 program encourages holistic wellness based on residents’ individual preferences, needs, and interests. A dedicated activities director, ensures residents stay engaged and able to connect with others through diverse and stimulating activities. At Overlook Green Senior Living, residents’ individuality is seen, ensuring that they receive the care and support that matches their requirements and preferences.

Contact Overlook Green Senior Living

Overview of Brightview Devon

Explore a truly relaxing stay with Brightview Devon located in the beautiful neighborhood of Wayne, PA. This esteemed senior living community offers independent living, assisted living, and memory care services. Here, residents can select from a wide array of spacious and well-appointed accommodations based on the preferences or tastes of its residents. With a highly equipped and dedicated team, residents can receive premium care services and emergency assistance to ensure comfort and security within the community.

With its top-tier amenities and services, residents can enjoy chef-prepared gourmet meals, housekeeping and maintenance services, and transportation services. Participate in a full-packed calendar of social activities like outings and cultural events. Meet new friends and create meaningful memories within the beautifully created shared spaces of this community. With Brightview Devon, seniors can live a wonderful retirement.

Contact Brightview Devon

Overview of Maple Shade Meadows Senior Living

Offering 85 private and semi-private rooms, Maple Shade Meadows Senior Living is a personal care home in Nesquehoning, Pennsylvania. Personal care, respite care, and dementia care are among the care options offered. Operated by Maple Shade Meadows LP, it currently maintains a 76% occupancy rate.

Its location on East Locust Street is slightly walkable with a Walk Score of 38, suggesting that some nearby services are accessible on foot, while most errands require transportation. Meanwhile, licensed nurses and nursing assistants are available 24 hours a day to provide support. Organized activities, comfortable living spaces, and daily dining experiences are also available to promote engagement and active living.

State inspections have addressed areas including staff training, medication management, food safety and storage, fire safety, and resident assessment documentation. Accepted plans of correction have been implemented, and the most recent unannounced inspection reported no deficiencies, reflecting successful compliance efforts.

Contact Maple Shade Meadows Senior Living

Overview of The Meadows at Shannondell

Located at 6000 Shannondell Drive, The Meadows at Shannondell is a skilled nursing home in Audubon, Pennsylvania, operated by Shannondell Inc., owned by David Rittenhouse. The 171-bed community accepts Medicare and private pay. Residents stay for an average of 18 days, and its current occupancy is 84%. The home primarily serves residents that recently been hospitalized and need intensive rehabilitation services.

The community’s staffing support is strong. Nurses provide care for an average of 4 hours and 22 minutes per resident daily. Nurse aides provide an additional 3 hours and 36 minutes per day because they are committed to hands-on personal care. A licensed nurse is available 24 hours a day, and an on-site nurse practitioner and physician provide medical oversight and ongoing care.

The facility is mainly focused on rehabilitation, offering on-site physical, occupational, and speech therapy. It is paired with access to specialized services including dentistry, podiatry, psychiatry, and cardiology. This scope of care and access to specialists make it easier for residents, as they won’t need to seek outside referrals while recovering after hospitalization.

There are many amenities available for residents’ daily lives. All rooms have private bathrooms. Dining is prepared by chefs and served as if they were in a restaurant. There is tableside service and menus that accommodate individual preferences and dietary restrictions. A registered dietitian plans for their nutritional needs. The community also features an outdoor garden courtyard, planned activities and social events, exercise classes, and walking areas. On-site grooming services include a barber and beauty salon.

The neighborhood has a walkability score of 62. Some errands can be done on foot, but a car is helpful for most trips. Families and health providers will find local amenities and pedestrian access in the area.

The Pennsylvania Department of Health identified concerns related to medication management and staffing practices. The facility has since implemented corrective plans to address these issues.

Contact The Meadows at Shannondell

Overview of Oakbridge Terrace at Normandy Farms Estates

Oakbridge Terrace at Normandy Farms Estates is a 58-bed personal care community operated by non-profit ACTS Retirement-Life Communities at 9000 Twin Silo Drive in Blue Bell, Pennsylvania. 24-hour staffing and a 12-bed special care memory unit exist. The facility offers assisted living, memory care, rehabilitation, and respite services, accepting Medicare and private pay.
CMS rates Oakbridge Terrace 5 stars, with all four sub-ratings above Pennsylvania average. Staffing is the defining driver: nurse hours run 5h 51m per resident per day, 28 percent above state average and placing the facility 15th of 203 Pennsylvania SNFs. Across five inspections since 2021, the facility averaged 6.5 deficiencies annually, modestly above 4.7 state average, with no substantiated complaints, fines, and enforcement actions. Deficiencies across the record have been limited to medication documentation and safety housekeeping items. Occupancy is at 79 percent, in line with Pennsylvania’s 78.7 percent average. The memory care unit is at near-capacity of 11 of 12 beds per the latest inspection.
The ACTS Retirement-Life Communities network brings multi-campus operational infrastructure to the Blue Bell location.
Situated in Montgomery County, the facility is best for older adults needing assisted living or memory care within a well-staffed, non-profit CCRC setting.

Contact Oakbridge Terrace at Normandy Farms Estates

Overview of Juniper Village at Monroeville

Serving older adults with a variety of care needs, Juniper Village at Monroeville is a nursing home in Monroeville, Pennsylvania, that has 126 beds. As part of the Wellspring Memory Care and Wellspan models, the community offers structured memory care services alongside coordinated health support. With a 50% occupancy, it promotes availability while maintaining personalized care.

Located on Mosside Boulevard, the community has a Walk Score of 49, making it relatively walkable. Moreover, the suburban setting provides convenient access to medical services and accommodates visits from family and friends. Some nearby destinations are also accessible on foot, but transportation is still required for most amenities and services.

Dining programs, fitness opportunities, and enrichment activities are designed to encourage engagement and well-being. Technology resources further support daily life, while the combination of Wellspring memory care expertise and Wellspan nursing services allows the community to meet comprehensive physical and cognitive care needs under one roof.

Inspection records indicate that the community has successfully addressed past operational concerns and currently maintains compliance with regulatory standards. Moreover, recent inspections reflect continued improvement in care practices and oversight.

Contact Juniper Village at Monroeville

Overview of The Pines Senior Living

Settled into the peaceful area in Luzerne County, Clarks Summit, PA, The Pines Senior Living is a thriving senior living community that offers independent living, assisted living, respite care, and memory care. Residents are welcomed into comfortable bright and spacious accommodations, and enjoy access to a wide range of convenient services, vibrant activities, and amenities. The community offers various services, including medication management and assistance with daily living activities (ADL’s) to ensure residents feel well cared for in a welcoming environment.

Residents dealing with Alzheimer’s disease, dementia, or memory loss are provided their own neighborhood, designed to promote safe comfortable living that can accommodate their complex and unique needs. A dedicated activities team finds new ways to engage residents based on their individual preferences, offering a broad range of activities. With most of the chores handled by the team and access to compassionate services, residents at The Pines Senior Living are sure to enjoy a comfortable and happy life.

Contact The Pines Senior Living

Overview of Halcyon at Bridgeville

Halcyon at Bridgeville operates an 88-bed memory care community on Dewey Avenue in Bridgeville, Pennsylvania, 13 miles from downtown. The facility, run by Halcyon Senior Living LLC, specializes in Alzheimer’s and dementia care alongside assisted living, independent living, and respite services.Total census is 65 residents across the facility, supported by 97 staff members on daily roster, yielding a 1.49 staff-to-resident ratio.

The facility operates on private-pay terms and does not participate in Medicare or Medicaid.

A dedicated secured dementia unit occupies the second floor with 44 units; 29 residents are currently in dementia care. The two-story campus includes gardens and fitness and recreation facilities.

Meals are prepared to accommodate individual dietary requirements.

Pennsylvania’s inspection record for Halcyon spans five years and presents a complicated picture. The facility’s composite inspection score is 81 out of 100 (letter grade B-), exceeding the state assisted living benchmark of 77/100. It has generated 48 citations across 17 inspections; 24% fewer citations than state average per year, and 51% fewer citations per inspection. However, the facility underwent 55% more total inspections than state average, indicating heightened state oversight.

The most material regulatory action was a provisional license issued in late 2023 after the facility failed to complete prior corrective actions. Recurring themes in inspection records include staff training gaps, medication management issues, emergency preparedness shortcomings, and facility safety deficiencies. The July 2025 renewal inspection identified expired carbon monoxide detectors, unlabeled shower-area personal care items, a hole in drywall, and non-operable bedside lighting; all corrected under accepted plans of correction. Complaints filed have been minimal (two total over five years, versus state average of four), though investigations substantiated resident abuse and disrespectful staff behavior allegations.

No fines or license suspensions have been issued.

The neighborhood is highly walkable with a Walk Score of 80 out of 100; most errands can be accomplished on foot, and retail, medical, and banking services are nearby.

Halcyon at Bridgeville suits residents requiring specialized memory care in a setting where regulatory history shows compliance improvement after material enforcement action, though ongoing attention to staff training and facility safety protocols remains a relevant placement consideration.

Contact Halcyon at Bridgeville

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.
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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 396 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.