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Carmel Health & Living Community
Nursing Home, Hospice Care, Memory Care, Respite Care & Skilled Nursing · Carmel, IN
CMS overall rating Info CMS (the Centers for Medicare & Medicaid Services) is the federal agency that rates nursing home quality. Its Overall Rating runs from 1 to 5 stars, combining health inspections, staffing, and quality measures, with inspections weighted most heavily.
Exterior view of the Carmel assisted living facility Exterior view of a senior living facility with flag Cozy common area with seating and a fireplace Elegant dining room with floral centerpieces and table settings Bright, spacious resident room with floral artwork Interior dining room with wooden paneling and tables Interior common area with seating and decor Decorative activity wall in a common area with costumes Bright living area of a senior resident's suite Private resident bedroom with comfortable furnishings Sunny outdoor patio area with shaded seating Physical therapy room equipped with exercise equipment Cozy resident room with a bed and dining table Dining area with wooden decor and tables A well-equipped kitchen area in the facility Rehabilitation gym with equipment for physical therapy Common area with seating and activity supplies Cozy living area in a senior care facility room Well-furnished private resident room with a bed and armchair

Carmel Health & Living Community

Nursing Home, Hospice Care, Memory Care, Respite Care & Skilled Nursing · Carmel, IN
CMS overall rating Info CMS (the Centers for Medicare & Medicaid Services) is the federal agency that rates nursing home quality. Its Overall Rating runs from 1 to 5 stars, combining health inspections, staffing, and quality measures, with inspections weighted most heavily.
118 Medical Dr, Carmel, IN 46032 View map Calculator: See prices in your area
Carmel Health & Living Community accepts Medicare, Medicaid, and private pay.
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Carmel Health & Living Community accepts Medicare, Medicaid, and private pay.

Overview of Carmel Health & Living Community

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Carmel Health & Living Community is the leading senior living destination in Carmel, Indiana, offering a superior standard of care that extends beyond expectations. This distinguished community provides a comprehensive range of services, encompassing senior living, top-tier rehabilitation services, long-term care facility, and memory support, making it the prime choice among nursing homes near you.
Set within the vibrant surroundings of Carmel, Indiana, this community boasts modern amenities that elevate the senior living experience. Residents enjoy easy access to a plethora of restaurants, shops, and attractions, while also benefiting from close proximity to hospitals and local physicians. Carmel Health & Living Community stands out as a nursing home with memory care, ensuring residents receive specialized care in a comfortable and spacious environment. Coupled with exceptional dining options, it truly sets the standard for nursing homes that prioritize both quality care and modern facilities.

Facility Direct Line (317) 844-4211
Facility Direct Line (317) 844-4211
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Quality ratings

Measured by Centers for Medicare & Medicaid Services (CMS)

Overall rating Info The Overall CMS Rating combines results from health inspections, staffing levels and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
▼ 35.2% Below IN avg. ▼ 35.2% Below IN avg.IN average: 3.1Click the badge to see the full State ranking.Click here to see the full State ranking.
Health Inspection Info Based on the results of the facility's three most recent standard inspections and any complaint investigations. CMS reviews the number, scope, and severity of deficiencies, with more recent findings weighted more heavily.
▼ 28.8% Below IN avg. ▼ 28.8% Below IN avg.IN average: 2.8Click the badge to see the full State ranking.Click here to see the full State ranking.
Staffing Info Measures average nursing staff hours per resident per day, including Registered Nurses (RNs) and total nursing staff. Ratings are adjusted based on the level of care residents require and are compared to state and national benchmarks.
▼ 18.6% Below IN avg. ▼ 18.6% Below IN avg.IN average: 2.5Click the badge to see the full State ranking.Click here to see the full State ranking.
Quality Measures Info Based on clinical and physical health indicators reported to CMS, such as hospital readmissions, falls, pressure ulcers, and improvements in mobility. These measures reflect how well residents' health needs are being managed.
▼ 26.6% Below IN avg. ▼ 26.6% Below IN avg.IN average: 4.1Click the badge to see the full State ranking.Click here to see the full State ranking.

Staffing hours Info Daily nursing hours per resident by staff type, reported to CMS. Higher is generally better — compare this facility to state and national averages to see where staffing stands.

Hours per resident per day vs Indiana averages

Rank #68 / 275Nurse hours — State benchmarkedThis home is ranked 68th out of 275 homes we track in Indiana for nurse hours. Shows adjusted nurse hours per resident per day benchmarked to the Indiana average, with a ranking across 275 Indiana facilities. More hours mean more direct care. The national average is about 3.5 hrs; below 3.0 is a red flag.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Indiana that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Total nursing care Info This home is ranked 68th out of 275 homes we track in Indiana for nurse hours. Total adjusted nursing hours per resident per day, combining RN, LPN, and aide time. CMS adjusts this for case-mix so facilities can be fairly compared.

3h 45m

9% above state avg
Staff type
Hours / day / resident
vs state avg
Registered Nurse (RN) Info RNs hold the highest nursing license and can assess residents, interpret test results, and direct care plans. More RN hours per day often signals stronger clinical oversight and faster response to health changes.
29m
−27% State avg: 40m per day · National avg: 41m per day
LPN / LVN Info Licensed Practical Nurses (LPNs) or Licensed Vocational Nurses (LVNs) deliver routine hands-on care — medication administration, wound dressing, and monitoring vital signs. They work under RN supervision and make up a large share of daily bedside care.
1h 12m
+56% State avg: 46m per day · National avg: 52m per day
Nurse Aide Info Certified Nurse Aides (CNAs) provide the most direct day-to-day assistance: bathing, dressing, feeding, and mobility. Nurse aide hours are typically the largest staffing category and directly affect residents' quality of life.
2h 4m
−9% State avg: 2h 16m per day · National avg: 2h 21m per day
Weekend Total Nursing Info Combined nursing hours (RN + LPN + Nurse Aide) per resident per day on weekends. Staffing often drops on weekends — this figure reveals whether the facility maintains adequate coverage outside of weekday hours.
3h 15m
Avg State avg: 3h 14m per day · National avg: 3h 26m per day
Physical Therapist Info Hours per resident per day provided by licensed Physical Therapists (PTs) or PT Assistants. PT services help residents recover mobility after injury or illness and are especially important for post-acute (short-stay) rehabilitation.
5m
+36% State avg: 4m per day · National avg: 4m per day
Weekend RN Info Registered nurse hours specifically on weekends. Facilities sometimes reduce RN presence on Saturdays and Sundays — a low weekend RN figure compared to weekday hours can indicate reduced clinical oversight when most administrative staff are absent.
15m
−43% State avg: 27m per day · National avg: 29m per day

3 of 6 metrics below state avg

Standout metric: LPN / LVN is +56% above Indiana average

Capacity and availability

Residents per day
142
Avg. Length of Stay Info Average number of days residents stay at this facility, based on CMS cost report data. Shorter stays often reflect post-acute or rehab care; longer stays reflect long-term care.
133 days
Bed community size
188-bed community Rank #39 / 431Bed count — State benchmarkedThis home is ranked 39th out of 431 homes we track in Indiana for bed count. Shows this facility's certified or reported bed count compared to other Indiana facilities. Larger communities may offer more amenities, programs, and on-site services for residents and families.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Indiana that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
A large-scale community that may provide a wide range of amenities, services, and structured programs.
Years in operation
1 year in operation Rank #156 / 417Years in operation — State benchmarkedThis home is ranked 156th out of 417 homes we track in Indiana for years in operation. Shows how long this facility has been in operation compared to other Indiana facilities. Longer operating histories may benefit residents, families, and staff.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Indiana that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
A newer community that may feature more recent facilities and programs.
Walk Score
Walk Score: 78 / 100 Rank #25 / 551Walk Score — State benchmarkedThis home is ranked 25th out of 551 homes we track in Indiana for walk score. Shows how walkable this facility's neighborhood is compared to the average walk score across Indiana facilities. Higher scores benefit residents, families, and staff.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Indiana that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Very walkable. Most errands can be accomplished on foot, and many essentials are within a short walk.
BBB Rating
BBB Rating: A+ (Not Accredited)
An independent rating from the Better Business Bureau based on factors such as complaint history, transparency, and business practices.
How BBB ratings work

About this community

Occupancy

Occupancy rate
76%
Rank #139 / 410Occupancy rate — State benchmarkedThis home is ranked 139th out of 410 homes we track in Indiana for occupancy. Shows this facility's occupancy rate versus the Indiana average, with its Statewide rank out of 410. Higher occupancy signals strong local demand and financial stability.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Indiana that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Higher than the Indiana average: 68.1%
Occupied beds
142 / 188
Average occupied beds in Indiana homes 70 beds

License Details

Facility TypeNursing Home / Skilled Nursing Facility / Nursing Facility Distinct Part
StatusActive
IssuanceJanuary 1, 2025
ExpirationDecember 31, 2026
License Number25-000095-1
CMS Certification Number155181

Ownership & Operating Entity

Carmel Health & Living Community is legally operated by Riverview Hospital, and administered by Alyssa Holliday.

Profit StatusGovernment

Type Of Units

Medicare (SNF)
17 units
SNF/NF (Combined)
171 units
Total beds
188 units

Staffing

Key information about the people who lead and staff this community.

Leadership

Director of NursingAnke Mtafu

Therapy & Rehabilitation

3 services
Rehabilitation Services
Respite Care
Short-Term Rehab

Staffing & Medical

1 service
24-Hour Staffing

Contact Information

Fax(317) 846-0163

Additional Policies & Features

Pets not allowed

Pricing & Financial Information

Memory Care$383 per month
Skilled Nursing$383 per month

Contact Carmel Health & Living Community

Inspection History

In Indiana, the Department of Health, Division of Long Term Care is the primary regulatory body that performs onsite inspections and quality of care reviews for all licensed facilities.

Since 2022 · 4 years of data These figures come from state-published inspection data. 55 deficiencies 7 complaints 20 inspections
Inspection Score Info A composite 0–100 score combining this facility's inspections, deficiencies, complaints, and enforcement actions relative to the Indiana state average. The score below shows how many points this facility sits above or below the typical Indiana nursing home score (the benchmark); higher is better.This is a proprietary Assisted Living Magazine score.

12 points below the Indiana average for nursing homes (83/100)

Rank #342 / 393 in Indiana Inspection Score — State benchmarked This home is ranked 342nd out of 393 homes we track in Indiana for inspection score. Shows this facility's inspection score compared to the Indiana average among 393 comparable communities in the ranking pool. Communities with the same value for a metric share the same rank. Rankings cover every community we track in Indiana that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric. This is a proprietary Assisted Living Magazine score. Inspection score: 71 out of 100. Letter grade C-. 12 points below the Indiana average for nursing homes (83/100)

Inspection Scorecard Info This scorecard compares key inspection, deficiency, and complaint metrics at this facility against the Indiana state average. Metrics rated ≥15% worse than average are highlighted in red; those ≥15% better are highlighted in green.

Since 2022 vs. Indiana state average
Overall vs. IN average 6 Worse Metrics worse than Indiana average:
• Total deficiencies (53% above)
• Deficiencies per inspection (47% above)
• Inspections with deficiencies (43% above)
• Inspection deficiency rate (35% above)
• Total complaints (40% above)
• Complaints per year (38% above) 0 Better No metrics in this bucket.

Deficiencies Info Deficiencies are formal regulatory issues recorded during state inspections.

This FacilityIN Averagevs. IN Avg
Total deficiencies Info Formal regulatory issues recorded by inspectors across all inspection types. 5536 This facility has 53% more total deficiencies than a typical Indiana nursing home (55 vs. IN avg 36).↑ 53% worse Rank #274 / 318 Total deficiencies — State benchmarked This home is ranked 274th out of 318 homes we track in Indiana for deficiencies. Shows this facility's deficiencies compared to the Indiana average among 318 comparable communities in the ranking pool. Communities with the same value for a metric share the same rank. Rankings cover every community we track in Indiana that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.
Deficiencies per inspection Info Average deficiencies per inspection. 2.81.9 This facility has 47% more deficiencies per inspection than a typical Indiana nursing home (2.8 vs. IN avg 1.9).↑ 47% worse Rank #204 / 318 Deficiencies per inspection — State benchmarked This home is ranked 204th out of 318 homes we track in Indiana for deficiencies per inspection. Shows this facility's deficiencies per inspection compared to the Indiana average among 318 comparable communities in the ranking pool. Communities with the same value for a metric share the same rank. Rankings cover every community we track in Indiana that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.

Inspections Info State inspections evaluate whether the facility meets health and safety standards.

This FacilityIN Averagevs. IN Avg
Total visits Info Combined count of all on-site visits — routine inspections, complaint visits, follow-ups, and other focused visits. 2019 This facility has had 5% more total visits than the Indiana average (20 vs. IN avg 19). More inspections can mean more regulatory scrutiny rather than worse care.↑ 5% more
Inspections with deficiencies Info Inspections that resulted in at least one regulatory deficiency. 107 This facility has 43% more inspections with deficiencies than a typical Indiana nursing home (10 vs. IN avg 7).↑ 43% worse
Inspection deficiency rate Info Percentage of inspections that resulted in at least one deficiency. 50%37% This facility has 13 percentage points higher inspection deficiency rate than a typical Indiana nursing home (50% vs. IN avg 37%).↑ 13% worse
Inspections Info Routine, scheduled inspections conducted by state regulators. 2013 This facility has had 54% more inspections than the Indiana average (20 vs. IN avg 13). More inspections can mean more regulatory scrutiny rather than worse care.↑ 54% more

Complaints & Investigations Info Complaints are formal concerns filed by residents, families, or staff. Investigations are on-site follow-ups.

This FacilityIN Averagevs. IN Avg
Total complaints Info Formal expressions of concern made by residents, families, or staff. 75 This facility has 40% more total complaints than a typical Indiana nursing home (7 vs. IN avg 5).↑ 40% worse Rank #227 / 290 Total complaints — State benchmarked This home is ranked 227th out of 290 homes we track in Indiana for total complaints. Shows this facility's total complaints compared to the Indiana average among 290 comparable communities in the ranking pool. Communities with the same value for a metric share the same rank. Rankings cover every community we track in Indiana that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.
Complaints per year Info Average complaints per year since 2022. 1.81.3 This facility has 38% more complaints per year than a typical Indiana nursing home (1.8 vs. IN avg 1.3).↑ 38% worse
Complaint visits Info On-site visits triggered by formal complaints. Formal complaints can result in multiple visits. 188 This facility has had 125% more complaint visits than the Indiana average (18 vs. IN avg 8). More inspections can mean more regulatory scrutiny rather than worse care.↑ 125% more
Show Inspection Reports

CMS Health Inspection History

Federal inspection data published by CMS, covering this home's Medicare and/or Medicaid-certified skilled-nursing/nursing beds only.

Inspections Since 2022 · 4 years of data
Total health inspections 8

Indiana average 6

Last Health inspection on Nov 2025

Total health citations
33 Rank #200 / 278Health citations — State benchmarkedThis home is ranked 200th out of 278 homes we track in Indiana for health citations. Shows this facility's total health deficiency citations benchmarked to the Indiana State average, with a ranking across all 278 IN facilities. Lower citation counts earn a better rank.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Indiana that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Indiana average 25

Citations per inspection
4.12 Rank #162 / 278Citations per inspection — State benchmarkedThis home is ranked 162nd out of 278 homes we track in Indiana for citations per inspection. Shows average deficiency citations per CMS inspection for this facility versus the Indiana mean across 278 facilities with citation data. Lower is better.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Indiana that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Indiana average 4.12

Health citations are formal notices following inspections when they fail to comply with safety and care standards.

23 of 33 citations resulted from standard inspections; 8 of 33 resulted from complaint investigations; and 2 of 33 came from combined inspections (standard and complaint).

Breakdown of citation severity (last 4 years)
Critical health citations
0
100% better than Indiana average

Indiana average: 0.2

Serious health citations
1
67% worse than Indiana average

Indiana average: 0.6

0 critical citations Indiana average: 0.2
1 serious citation Indiana average: 0.6
32 moderate citations Indiana average: 23.8
0 minor citations Indiana average: 0.4
Citations history (last 4 years)
Quality of Care serious citation Nov 13, 2025
Corrected
Pharmacy moderate citation Jan 08, 2025
Corrected
Environmental moderate citation Nov 04, 2024
Corrected
Nutrition moderate citation Nov 04, 2024
Corrected

Data sourced from CMS Health Deficiencies reports, which cover the Medicare and/or Medicaid-certified skilled-nursing and nursing beds and no other part of the community. Citation severity codes range from A (least serious) to L (most serious). Immediate Jeopardy (J-L) citations indicate situations where the facility's noncompliance has placed residents at risk of death or serious harm.

Staffing Data

Reporting period: October 1 – December 31, 2025 (Q4 2025). Source: CMS Payroll-Based Journal report.

Total staff 333
Employees 156
Contractors 177
Staff to resident ratio 2.33 : 1
2328571% more staff per resident than Indiana average
Indiana average ratio: 0.00 : 1 Indiana average ratio: 0.00 : 1See full Indiana ranking
Avg staff/day 74
Average shift 7.9 hours
0% compared with Indiana average
Indiana average: 7.7 hours Indiana average shift: 7.7 hoursSee full Indiana ranking
Total staff hours (quarter) 53,853

Nursing staff breakdown

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.
Registered Nurse

Manages medical care and health needs.

RN Staff Info 40 total: 12 full-time employees and 28 contractors. 40
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 8.7 hours
Licensed Practical Nurse

Assists with medical care and medications.

LPN Staff Info 65 total: 35 full-time employees and 30 contractors. 65
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 8.1 hours
Certified Nursing Assistant

Helps with daily care and mobility.

CNA Staff Info 127 total: 67 full-time employees and 60 contractors. 127
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 8.2 hours

Contractor staffing

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.

Total hours from contractors

15.1%

8,110 contractor hours this quarter

Certified Nursing Assistant: 60 Licensed Practical Nurse: 30 Registered Nurse: 28 Medication Aide/Technician: 16 Qualified Social Worker: 16 Respiratory Therapy Technician: 7 Physical Therapy Assistant: 7 Physical Therapy Aide: 6 Speech Language Pathologist: 5 Qualified Activities Professional: 2

Staff by category

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.
Certified Nursing Assistant676012721,31792100%8.2
Licensed Practical Nurse35306512,01692100%8.1
Registered Nurse1228406,00692100%8.7
Medication Aide/Technician1416303,71392100%7.8
Other Dietary Services Staff8081,50292100%6.6
Dental Services Staff3031,4467177%7.7
Qualified Social Worker016161,2597885%7
Respiratory Therapy Technician0771,1928390%6.6
RN Director of Nursing5051,0326672%8.1
Physical Therapy Assistant0771,0027784%7.2
Clinical Nurse Specialist5056916874%6.9
Dietitian1015206571%8
Physical Therapy Aide0665166975%6.8
Administrator1015126470%8
Nurse Practitioner1015046368%8
Speech Language Pathologist0554696672%6.6
Nurse Aide in Training404951112%7.3
Qualified Activities Professional022641213%5.3
127 Certified Nursing Assistant
% of Days 100%
65 Licensed Practical Nurse
% of Days 100%
40 Registered Nurse
% of Days 100%
30 Medication Aide/Technician
% of Days 100%
View All Staffing Data in Carmel

Penalties and fines

Federal penalties imposed by CMS for regulatory violations, including civil money penalties (fines) and denials of payment for new Medicare/Medicaid admissions.

Source: CMS Penalties Database

No penalties in the past 3 years

No civil money penalties or payment denials were reported in the last 3 years.

Quality of care over time

These measures show how residents usually do over time at this home, based on health outcomes and preventive care.

High-risk clinical events score Info A composite score based on pressure ulcers, falls with injury, weight loss, walking ability decline, and activities of daily living decline. 8.3
In line with Indiana average

Indiana average: 8.0

Functional decline score Info A composite score based on activities of daily living decline, walking ability decline, and incontinence. 17.2
In line with Indiana average

Indiana average: 17.1

Long-stay resident measures
Average Indiana avg: 4.1 Info CMS star rating based on long-stay quality measure performance. 5 stars = significantly above average, 1 star = significantly below average.
Need for Help with Daily Activities Increased Info Percent of long-stay residents whose need for help with daily activities has increased 12.1%
In line with Indiana average

Indiana average: 12.0%

Walking Ability Worsened Info Percent of long-stay residents whose ability to move independently worsened 14.0%
In line with Indiana average

Indiana average: 14.4%

Low Risk Residents with Bowel/Bladder Incontinence Info Percent of low risk long-stay residents who lose control of their bowels or bladder 25.7%
In line with Indiana average

Indiana average: 24.6%

Falls with Major Injury Info Percent of long-stay residents experiencing one or more falls with major injury 4.3%
11% worse than Indiana average

Indiana average: 3.9%

High Risk Residents with Pressure Ulcers Info Percent of long-stay high risk residents with pressure ulcers 5.2%
20% worse than Indiana average

Indiana average: 4.4%

Urinary Tract Infection Info Percent of long-stay residents with a urinary tract infection 1.8%
51% worse than Indiana average

Indiana average: 1.2%

Lost Too Much Weight Info Percent of long-stay residents who lose too much weight 5.7%
In line with Indiana average

Indiana average: 5.7%

Depressive Symptoms Info Percent of long-stay residents who have depressive symptoms 2.4%
90% better than Indiana average

Indiana average: 24.1%

Antipsychotic Use Info Percent of long-stay residents who received an antipsychotic medication 14.1%
13% worse than Indiana average

Indiana average: 12.4%

Pneumococcal Vaccine Info Percent of long-stay residents assessed and appropriately given the pneumococcal vaccine 95.9%
In line with Indiana average

Indiana average: 93.7%

Influenza Vaccine Info Percent of long-stay residents assessed and appropriately given the seasonal influenza vaccine 94.0%
In line with Indiana average

Indiana average: 95.4%

Hospitalizations per 1,000 days Info Number of hospitalizations per 1,000 long-stay resident days. 1.51
6% better than Indiana average

Indiana average: 1.60

ED visits per 1,000 days Info Number of outpatient emergency department visits per 1,000 long-stay resident days. 0.88
41% better than Indiana average

Indiana average: 1.48

Short-stay resident measures
Average Indiana avg: 2.9 Info CMS star rating based on short-stay quality measure performance. 5 stars = much above average, 1 star = much below average.
Pneumococcal Vaccine Info Percent of short-stay residents assessed and appropriately given the pneumococcal vaccine 86.6%
6% better than Indiana average

Indiana average: 81.7%

Antipsychotic medication increase Info Percent of short-stay residents who newly received an antipsychotic medication 2.3%
66% worse than Indiana average

Indiana average: 1.4%

Influenza Vaccine Info Percent of short-stay residents assessed and appropriately given the seasonal influenza vaccine 82.2%
In line with Indiana average

Indiana average: 79.0%

Re-hospitalized after SNF stay Info Percentage of short-stay residents who were re-hospitalized after their nursing home admission. 23.4%
In line with Indiana average

Indiana average: 22.4%

Emergency department visits Info Percentage of short-stay residents who had an outpatient emergency department visit. 8.4%
20% better than Indiana average

Indiana average: 10.5%

Falls with major injury Info Percentage of SNF residents who experience falls with major injury during their stay. 2.6%
242% worse than Indiana average

Indiana average: 0.8%

Ability to care for self at discharge Info Percentage of residents at or above expected ability to care for themselves at discharge. 47.3%
12% worse than Indiana average

Indiana average: 53.7%

Successful return to home or community Info Rate of successful return to home or community from a skilled nursing facility. 50.9%
In line with Indiana average

Indiana average: 50.6%

Quality measures are calculated from Minimum Data Set (MDS) assessments. For most measures, lower percentages indicate better care quality.

Breakdown by payment type

Medicare

20% of new residents, usually for short-term rehab.

Typical stay 1 - 2 months

Private pay

61% of new residents, often for short stays.

Typical stay 2 months

Medicaid

19% of new residents, often for long-term daily care.

Typical stay 2 years

Facility Characteristics

Source: CMS Long-Term Care Facility Characteristics (Data as of Jan 2026)

Total residents 143
Medicare
10
7% of residents
Medicaid
109
76.2% of residents
Private pay or other
24
16.8% of residents
Programs & Services
Residents Group

Residents meet regularly to discuss policies, care quality, and activities

Nurse Aide Training

State-approved Nurse Aide Training and Competency Evaluation Program on-site

Active Resident Council

Organized group of residents that meets regularly to discuss facility policies, quality of life, and activities.

Data sourced from CMS Long-Term Care Facility Characteristics quarterly report. Payer mix reflects the current resident census by primary payment source.

Finances and operations

Based on CMS SNF Cost Report for fiscal year ending in 12/2023.

Government
Operated by federal authorities.
Net patient revenue Info Net patient revenue — what the home actually collects for resident care, after contractual allowances, bad debt and discounts are subtracted from its gross charges (CMS cost report, Worksheet G-3). It covers resident care only; money the home earns from other sources is shown separately as "Other income."
$18.5M
Net patient income Info Net patient income: net patient revenue minus the home's total operating expenses. A positive figure means it earns more from resident care than it spends to deliver it; a negative figure means the opposite. It excludes non-operating "other income."
$423.2K
Government Operated by federal authorities.
Net patient revenue Info Net patient revenue — what the home actually collects for resident care, after contractual allowances, bad debt and discounts are subtracted from its gross charges (CMS cost report, Worksheet G-3). It covers resident care only; money the home earns from other sources is shown separately as "Other income."
$18.5M Rank #16 / 268Net patient revenue — State benchmarkedThis home is ranked 16th out of 268 homes we track in Indiana. Shows this facility's net patient revenue compared to the Indiana average, among facilities reporting a recent fiscal year. Higher revenue generally means more resources for staffing and capital — read alongside Payroll %.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Indiana that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.
Net patient income Info Net patient income: net patient revenue minus the home's total operating expenses. A positive figure means it earns more from resident care than it spends to deliver it; a negative figure means the opposite. It excludes non-operating "other income."
$423.2K
Other income Info Money the home earns outside of resident care — such as investments, grants, rentals and other non-operating sources (CMS cost report, Worksheet G-3). It is tracked separately from net patient revenue: it is not part of that figure, and it is not included in net patient income.
$29.5K
Payroll costs Info Staff salaries plus wage-related costs — benefits such as payroll taxes, health insurance and retirement — from the home's own accounting records (CMS cost report, Worksheet A). Contract or agency labor is counted separately, under other operating costs. Rank #41 / 268Payroll costs — State benchmarkedThis home is ranked 41st out of 268 homes we track in Indiana. Shows total staff payroll — salaries plus wage-related benefits — benchmarked to the Indiana average, among facilities reporting a recent fiscal year. Higher payroll relative to peers often signals better staffing and less reliance on contract labor.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Indiana that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.
$7.5M 40.6% of net patient revenue Info Payroll as a share of revenue: staff salaries and wage-related benefits divided by net patient revenue. A higher figure means more of each revenue dollar goes to staff pay. Rank #225 / 268Payroll % of net patient revenue — State benchmarkedThis home is ranked 225th out of 268 homes we track in Indiana. Shows payroll as a percentage of net patient revenue versus the Indiana average, among facilities reporting a recent fiscal year. Below 25% may signal understaffing or heavy agency use — read with Staffing ratings.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Indiana that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.
Other operating costs Info Everything it costs to run the home apart from payroll — food, utilities, supplies, maintenance, contract labor and administration. Calculated as total operating expense minus payroll (staff salaries and wage-related benefits).
$10.6M
Total costs Info The home's total operating expense for the year — all the costs of running it, salaries included (CMS cost report, Worksheet G-3).
$18.1M
How we calculate these figures

This home is administered by Alyssa Holliday.

This home is owned by Cardon Management Company LLC

Certified by the Centers for Medicare & Medicaid Services authority — CMS Certification Number: 155181

Show certification details

Who this home usually serves

TYPE OF STAY

Primarily short stays

Residents typically stay for brief periods, with frequent admissions and discharges throughout the year.

Most new residents arrive under private pay (61% of admissions), and a typical private pay stay runs around 2 months.

Admissions
263 total

Coverage residents most often arrive under.

Medicare 20%
Private pay 61%
Medicaid 19%
Discharges
364 total

Coverage residents most often leave under.

Medicare 16%
Private pay 53%
Medicaid 31%

Admissions and discharges reflect care patterns over time — they are not used to rate this facility.

How we assess these insights

Managed by Daniel W. Moore

Administrator

Daniel W. Moore is a licensed health facility administrator who has served as administrator of CarDon’s Health & Living Communities in Paoli, Sullivan, and Indianapolis. He coordinated the planning and construction of Bell Trace and Brookside Village in Jasper. Daniel previously served as director of property development and currently serves as executive vice president of CarDon’s board of directors.

Places of interest near Carmel Health & Living Community

Address 2.0 miles from city center Info Estimated distance in miles from Carmel's city center to Carmel Health & Living Community's address, calculated via Google Maps. — 5.24 miles to nearest hospital (Ascension St. Vincent Hospital - Indianapolis)

Calculate Travel Distance to Carmel Health & Living Community

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Compare Nursing Homes around Carmel

Info below is compiled from CMS reports & 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.

The facility name. Click to view the full profile page on Assisted Living Magazine, including photos, services, and contact info.
CMS (Centers for Medicare & Medicaid Services, the federal agency that regulates nursing homes) Overall 5-star rating — a composite of Health Inspection, Staffing, and Quality Measures scores. 5 stars = top 10% nationally. 1 star = bottom 10%. The single most important number to start with when comparing facilities.
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.
Neighborhood or city area where the facility is located. Proximity to family, hospitals, and green space matters for both quality of life and ease of visitation. Consider drive time and transit access when evaluating location.
Licensed bed capacity. Larger facilities (300+ beds) often have more specialized programs but can feel institutional. Smaller homes (under 150 beds) tend to deliver more personalized care. Compare with Avg Res/Day to understand how full the facility typically runs.
Percentage of licensed beds filled on an average day. Color indicates financial health: green (90%+) = operationally strong, typically profitable. Amber (80–89%) = stable but leaving revenue on the table. Orange (70–79%) = financial strain likely, may struggle with fixed costs. Red (<70%) = significant distress, closure or ownership change risk increases sharply.
This facility's occupancy rate compared to the statewide average for similar facilities. A positive number means above-average demand. Facilities running 5%+ above the state average are typically the most sought-after in their market — a strong proxy for reputation.
CMS-adjusted total nurse hours per resident per day (RN + LPN + CNA combined). The national average is approximately 3.5 hrs. Higher is better — more direct care time per resident. Below 3.0 is a red flag. CMS weights RN hours more heavily because RNs handle complex clinical decisions that CNAs cannot.
CMS Health Inspection star rating (1–5 stars), based on the 3 most recent annual state surveys plus any complaint investigations. This is the hardest rating to manipulate — it reflects real surveyor findings on-site. 5 stars = fewest deficiencies found. 1 star = most. It carries the heaviest weight in the Overall CMS rating.
CMS Staffing star rating (1–5 stars), based on daily nurse staffing hours submitted to CMS via verified payroll data. Compares RN, LPN, and CNA coverage relative to resident acuity level. 5 stars = well above expected staffing. Weekend staffing is evaluated separately, as that's where many facilities quietly reduce coverage.
CMS Quality Measures star rating (1–5 stars), based on 15 clinical outcome metrics including fall rates, pressure ulcers, antipsychotic drug use, and hospital readmissions. Captures actual resident health outcomes, not just compliance. High QM combined with low Health Inspection scores can indicate a facility with strong care but weak documentation practices.
Registered Nurse hours per resident/day compared to the statewide average. RNs are the highest-skilled nursing staff — they assess residents, manage medications, and respond to emergencies. A value of +50% means RN coverage is 50% above the state norm. Negative values are a concern for residents with complex or acute medical needs.
Total nursing staff hours (RN + LPN + CNA combined) per resident/day vs. the statewide average. A broader measure than RN vs State — it captures the entire care team. A facility can have high total staffing but low RN hours, meaning more aides and fewer nurses. Read both columns together for the full picture.
Total dollar amount of federal monetary fines (civil money penalties) issued by CMS in the past 3 years. Fines are only levied for serious violations — typically actual harm to residents, repeated uncorrected deficiencies, or systemic non-compliance. Even a single fine is noteworthy. Multiple fines strongly suggest a pattern, not isolated incidents.
A composite 0–100 score combining this facility's inspections, citations, complaints, and enforcement actions relative to the state average. See the benchmark below for the typical score in this state; higher is better. This is a proprietary Assisted Living Magazine score.
Total health deficiency citations from the most recent standard inspection cycle. Minor citations (scope A–C) are common and often administrative in nature. Higher counts aren't always disqualifying, but should be read alongside Severe Citations to understand actual harm levels. Under 10 is strong for a large facility; 30+ warrants a closer look.
Average deficiency citations per CMS inspection (survey) in the reporting window — total citations divided by the number of inspections. Lower is better; compare alongside total Citations and Severe Citations for context.
Citations at CMS scope/severity level G or higher — G–I means actual harm occurred; J–L means residents were placed in immediate jeopardy. (D–F is potential for harm only). Examples include unaddressed falls, medication errors causing injury, neglect, or abuse.
Average number of residents in the building on any given day, derived from annual census data. Reflects true operating scale — a 400-bed facility running 200 residents/day operates very differently from one at 390. Higher resident counts generally mean more funded staffing hours.
Better Business Bureau rating (A+ to F). Reflects complaint history, business transparency, and how family disputes were resolved. A+ means no significant unresolved complaints. A blank (—) means the facility isn't BBB-accredited, which is common for healthcare providers and not necessarily a negative signal.
Walk Score® (0–100). Measures walkability of the surrounding area. 90–100 = Walker's Paradise. 70–89 = Very Walkable. 50–69 = Somewhat Walkable. Below 50 = Car-Dependent. Higher scores benefit family visitors, resident outings, and staff commuting.
The licensed owner or operator of record filed with CMS — the individual or organization legally accountable for the facility. Searching the operator name across other facilities can reveal chain or multi-site ownership, which matters: chain-operated homes tend to have more variable quality outcomes than independently run facilities.
What the home actually collects for resident care, after contractual allowances, bad debt and discounts — not gross billings. Taken from the latest complete annual cost report, so it is comparable across homes reporting the same period. Revenue alone doesn't indicate care quality, but it funds staffing and capital reinvestment. Pair with Payroll %. Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
Staff salaries plus wage-related benefits from the latest complete annual cost report. Contract and agency labour is counted separately, under other operating costs, so a home leaning on agency staff can show a low figure here. Payroll is the cost most directly tied to care quality — compare with Payroll % for full context. Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
Payroll as a share of NET PATIENT REVENUE (not gross revenue). Both figures come from the same cost-report year. A higher figure means more of each revenue dollar goes to staff pay. Read with the Staffing star rating to judge whether spend translates into coverage — and note that homes whose patient revenue covers only part of their operation can read implausibly high. The Indiana average is: 51.1% Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
CMS Certification Number: the unique federal identifier for this skilled nursing provider.
The Barrington of Carmel ★ ★ ★ ★ ★
NH
AL
IL
MC
SNF
Carmel
154
Facility 154
IN AVG 116
Rank #81 / 431
71.4%
Facility 71.4%
IN AVG 66.9
Rank #173 / 410
+7%
9.46
Facility 9.46
IN AVG 3.44
Rank #1 / 275
 ★ ★ ★ ★ ★ ★ ★ ★ ★ ☆ ★ ★ ★ ★ ★ -61%+175%
$0
Facility $0
IN AVG $31.4k
Rank #1 / 278
95
Facility 95
IN AVG 83
Rank #41 / 393
5
Facility 5
IN AVG 25.0
Rank #11 / 278
2.5
Facility 2.5
IN AVG 4.1
Rank #51 / 278
-110A+
39
Facility 39
IN AVG 40
Rank #275 / 551
Bhi Retirement Communities Inc
$17.0MFiscal year ending 12/2023
Facility $17.0MFiscal year ending 12/2023
IN AVG $10.5M
Rank #24 / 268
$6.9MFiscal year ending 12/2023
Facility $6.9MFiscal year ending 12/2023
IN AVG $5.2M
Rank #54 / 268
40.6%Fiscal year ending 12/2023
Facility 40.6%Fiscal year ending 12/2023
IN AVG 51.1%
Rank #225 / 268
155817
Bridgewater Healthcare Center ★ ★ ★ ★ ★
NH
HOS
PC
RC
SNF
Carmel
120
Facility 120
IN AVG 116
Rank #166 / 431
85.0%
Facility 85.0%
IN AVG 66.9
Rank #65 / 410
+27%
3.61
Facility 3.61
IN AVG 3.44
Rank #90 / 275
 ★ ★ ★ ★ ☆ ★ ★ ★ ☆ ☆ ★ ★ ★ ★ ★ +8%+5%
$0
Facility $0
IN AVG $31.4k
Rank #1 / 278
87
Facility 87
IN AVG 83
Rank #136 / 393
23
Facility 23
IN AVG 25.0
Rank #146 / 278
5.8
Facility 5.8
IN AVG 4.1
Rank #218 / 278
-102F
49
Facility 49
IN AVG 40
Rank #214 / 551
Carey Mgt Co LLC
$14.9MFiscal year ending 06/2024
Facility $14.9MFiscal year ending 06/2024
IN AVG $10.5M
Rank #47 / 268
$6.5MFiscal year ending 06/2024
Facility $6.5MFiscal year ending 06/2024
IN AVG $5.2M
Rank #63 / 268
43.7%Fiscal year ending 06/2024
Facility 43.7%Fiscal year ending 06/2024
IN AVG 51.1%
Rank #201 / 268
155790
The Restoracy of Carmel ★ ★ ★ ★ ☆
NH
MC
SNF
Carmel
72
Facility 72
IN AVG 116
Rank #340 / 431
94.4%
Facility 94.4%
IN AVG 66.9
Rank #14 / 410
+41%
4.82
Facility 4.82
IN AVG 3.44
Rank #17 / 275
 ★ ★ ★ ☆ ☆ ★ ★ ★ ☆ ☆ ★ ★ ★ ★ ★ -46%+40%
$0
Facility $0
IN AVG $31.4k
Rank #1 / 278
71
Facility 71
IN AVG 83
Rank #342 / 393
44
Facility 44
IN AVG 25.0
Rank #241 / 278
6.3
Facility 6.3
IN AVG 4.1
Rank #236 / 278
268A+
77
Facility 77
IN AVG 40
Rank #30 / 551
Euson Lindsay Legacy, LLC
$10.1MFiscal year ending 12/2023
Facility $10.1MFiscal year ending 12/2023
IN AVG $10.5M
Rank #129 / 268
$4.4MFiscal year ending 12/2023
Facility $4.4MFiscal year ending 12/2023
IN AVG $5.2M
Rank #146 / 268
43.7%Fiscal year ending 12/2023
Facility 43.7%Fiscal year ending 12/2023
IN AVG 51.1%
Rank #201 / 268
155846
The Stratford ★ ★ ★ ★ ☆
NH
AL
IL
MC
SNF
Carmel (The Village Of West Clay)
18
Facility 18
IN AVG 116
Rank #430 / 431
61.1%
Facility 61.1%
IN AVG 66.9
Rank #262 / 410
-9%
6.87
Facility 6.87
IN AVG 3.44
Rank #3 / 275
 ★ ★ ★ ★ ☆ ★ ★ ★ ★ ☆ ★ ★ ★ ☆ ☆ +17%+100%
$0
Facility $0
IN AVG $31.4k
Rank #1 / 278
-
16
Facility 16
IN AVG 25.0
Rank #90 / 278
4.0
Facility 4.0
IN AVG 4.1
Rank #149 / 278
-11A+
54
Facility 54
IN AVG 40
Rank #188 / 551
Chris Wente
$2.8MFiscal year ending 12/2023
Facility $2.8MFiscal year ending 12/2023
IN AVG $10.5M
Rank #265 / 268
$4.7MFiscal year ending 12/2023
Facility $4.7MFiscal year ending 12/2023
IN AVG $5.2M
Rank #128 / 268
167.6%Fiscal year ending 12/2023
Facility 167.6%Fiscal year ending 12/2023
IN AVG 51.1%
Rank #1 / 268
155794
Carmel Health & Living Community ★ ★ ☆ ☆ ☆
NH
HOS
MC
RC
SNF
Carmel (Newark Village)
188
Facility 188
IN AVG 116
Rank #39 / 431
75.5%
Facility 75.5%
IN AVG 66.9
Rank #139 / 410
+13%
3.76
Facility 3.76
IN AVG 3.44
Rank #68 / 275
 ★ ★ ☆ ☆ ☆ ★ ★ ☆ ☆ ☆ ★ ★ ★ ☆ ☆ +22%+9%
$0
Facility $0
IN AVG $31.4k
Rank #1 / 278
71
Facility 71
IN AVG 83
Rank #342 / 393
33
Facility 33
IN AVG 25.0
Rank #200 / 278
4.1
Facility 4.1
IN AVG 4.1
Rank #162 / 278
1142A+
78
Facility 78
IN AVG 40
Rank #25 / 551
Cardon Management Company LLC
$18.5MFiscal year ending 12/2023
Facility $18.5MFiscal year ending 12/2023
IN AVG $10.5M
Rank #16 / 268
$7.5MFiscal year ending 12/2023
Facility $7.5MFiscal year ending 12/2023
IN AVG $5.2M
Rank #41 / 268
40.6%Fiscal year ending 12/2023
Facility 40.6%Fiscal year ending 12/2023
IN AVG 51.1%
Rank #225 / 268
155181
Nursing Home Explorer

Financial Assistance for
Nursing Home in Indiana

Carmel Health & Living Community is located in Carmel, Indiana.
Here are the financial assistance programs available to residents in Indiana.

Get Financial aid guidance

Aged and Disabled Waiver

Indiana Medicaid A&D Waiver

Age 65+ or disabled
General Indiana resident, Medicaid-eligible, nursing home-level care need.
Income Limits (2025) ~$2,829/month 300% FBR, individual
Asset Limits $2,000 (individual), $3,000 (couple).
IN

Requires level-of-care determination.

Benefits
Personal care (5-7 hours/day) Respite (240 hours/year) Adult day care (~$60/day) Home health services

CHOICE Program

Indiana CHOICE

Age 60+
General Indiana resident, at risk of nursing home.
Income Limits ~$2,000/month varies
Asset Limits $10,000 individual
IN

Limited funding; regional variation.

Benefits
In-home care (3-5 hours/week) Respite (up to 10 days/year) Transportation (~5 trips/month)

Residential Care Assistance Program (RCAP)

Indiana Residential Care Assistance Program

Age 65+
General or blind, or disabled, Indiana resident, in approved facility, low-income or SSI recipient.
Income Limits (2025) ~$1,004/month including SSI
Asset Limits $2,000 (individual), $3,000 (couple).
IN

~50 facilities statewide; per diem rate set by FSSA.

Benefits
Room/board Laundry Minimal care coordination (~$20-$50/day subsidy)

Medicare Savings Program (MSP)

Indiana Medicare Savings Program

Age 65+ or disabled
General Indiana resident, Medicare Part A/B.
Income Limits (2025) ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits $9,430 (individual), $14,130 (couple).
IN

Three tiers; no waitlist.

Benefits
Covers Part B premiums ($174.70/month) Deductibles ($240/year) Copays (~20%)

National Family Caregiver Support Program (NFCSP) Respite

Indiana NFCSP Respite Care

Age —
General Caregivers of 60+ needing care or 55+ caregivers of others; Indiana resident; functional needs (2+ ADLs).
Income Limits (2025) Prioritizes ~$24,980/year (individual); no strict cap.
Asset Limits Not assessed; need-based.
IN

16 AAAs; prioritizes low-income, rural caregivers.

Benefits
Respite (4-6 hours/week or 5 days/year) Adult day care ($60/day) Caregiver training

VA Aid and Attendance (A&A) and Housebound Benefits

Indiana VA Aid and Attendance/Housebound

Age 65+ or disabled veteran/spouse
General Indiana resident, wartime service, need for ADL help (A&A) or homebound.
Income Limits (2025) Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits ~$155,356 net worth limit
IN

High veteran demand statewide.

Benefits
Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living)

Frequently Asked Questions about Carmel Health & Living Community

What neighborhood is Carmel Health & Living Community in?

Carmel Health & Living Community is in the Newark Village neighborhood of Carmel.

Who is the Director of Nursing at Carmel Health & Living Community?

Anke Mtafu is the Director of Nursing at Carmel Health & Living Community.

Who is the owner of Carmel Health & Living Community?

Carmel Health & Living Community is legally operated by Riverview Hospital, and administered by Alyssa Holliday.

Is Carmel Health & Living Community in a walkable area?

Carmel Health & Living Community has a walk score of 78. Very walkable. Most errands can be accomplished on foot, and many essentials are within a short walk.

What is the license number of Carmel Health & Living Community?

According to IN state health department records, Carmel Health & Living Community's license number is 25-000095-1.

When does Carmel Health & Living Community's license expire?

According to IN state health department records, Carmel Health & Living Community's license expires on December 31, 2026.

What is the occupancy rate at Carmel Health & Living Community?

Carmel Health & Living Community's occupancy is 76%.

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