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Carmel Home
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 Carmel Home with landscaped area Exterior view of Carmel Home facility during sunset Exterior view of Carmel Home at night with decorations Residents attending an activity session in a decorated common area

Carmel Home

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.
2501 Old Hartford Rd, Owensboro, KY 42303 View map Calculator: See prices in your area
Carmel Home accepts Medicare, Medicaid, and private pay.
Contact Us Explore Open Rooms
Calculator: See prices in your area
Carmel Home accepts Medicare, Medicaid, and private pay.

Overview of Carmel Home

Embrace a fulfilling retirement lifestyle within this welcoming community, where residents’ health and happiness are at the heart of everything they do. Carmel Home is a nursing home care  community located in Owensboro, Kentucky. They’re part of a comprehensive continuing care retirement community, offering a range of care services tailored to the diverse needs of its residents. At Carmel Home, residents can expect to receive compassionate and skilled care from a dedicated team of professionals committed to enhancing their well-being. The community fosters a warm and supportive environment that promotes a sense of belonging and safety.

Whether residents require long-term care or specialized services, Carmel Home is dedicated to providing the highest standard of care and support at every stage of life. Additionally, this assisted living community takes pride in its participation in Medicare and Medicaid programs, ensuring accessible and quality care for eligible individuals. Discover the comforts of home and the peace of mind that comes with comprehensive care. Let Carmel Home be a part of your journey to vibrant senior living.

Facility Direct Line (270) 683-0227
Facility Direct Line (270) 683-0227 carmelhomeinfo@yahoo.com

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.
▲ 6.5% Above KY avg. ▲ 6.5% Above KY avg.KY average: 2.8Click 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.
▲ 37.1% Above KY avg. ▲ 37.1% Above KY avg.KY average: 2.9Click 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.
▼ 62.5% Below KY avg. ▼ 62.5% Below KY avg.KY average: 2.7Click 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.
▲ 38.2% Above KY avg. ▲ 38.2% Above KY avg.KY average: 2.9Click the badge to see the full State ranking.Click here to see the full State ranking.

Capacity and availability

Avg. Length of Stay
285 days
Bed community size
115-bed community Rank #63 / 341Bed count — State benchmarkedThis home is ranked 63rd out of 341 homes in Kentucky. Shows this facility's certified or reported bed count compared to other Kentucky facilities. Larger communities may offer more amenities, programs, and on-site services for residents and families.Rankings are based only on facilities in Kentucky that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
A larger shared setting that may offer more common spaces and organized community services.
Walk Score
Walk Score: 20 / 100 Rank #334 / 423Walk Score — State benchmarkedThis home is ranked 334th out of 423 homes in Kentucky. Shows how walkable this facility's neighborhood is compared to the average Walk Score across Kentucky facilities. Higher scores benefit residents, families, and staff.Rankings are based only on facilities in Kentucky that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Car-dependent. Most errands require a car, with limited nearby walkable options.

About this community

Occupancy

Occupancy rate
83%
Rank #183 / 209Occupancy rate — State benchmarkedThis home is ranked 183rd out of 209 homes in Kentucky. Shows this facility's occupancy rate versus the Kentucky average, with its Statewide rank out of 209. Higher occupancy signals strong local demand and financial stability.Rankings are based only on facilities in Kentucky that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Similar to the Kentucky average: 81.3%
Occupied beds
96 / 115
Average occupied beds in Kentucky homes 80 beds

License Details

Facility TypeLong Term Care (nursing Facility, Personal Care)
StatusActive
IssuanceSeptember 1, 2025
ExpirationAugust 31, 2026
CountyDaviess
License Number100082
CMS Certification Number185226

Ownership & Operating Entity

Carmel Home is legally operated by Carmelite Srs. Of The Divine Heart Of Jesus Of Ky, and administered by Francis.

Type Of Units

Comprehensive Personal Care
79 units
NF (Nursing Facility)
36 units
Total beds
115 units

Therapy & Rehabilitation

2 services
Rehabilitation Services
Short-Term Rehab

Staffing & Medical

1 service
24-Hour Staffing

Additional Services

2 services
Personal Care
Skilled Care

Amenities & Lifestyle

Your Room
Lights
Heat/Air Conditioning
Water
Electricity
24 Hour Nursing Staff
Consultant Pharmacy Service
Dietary Services
Social Service And Activity Services
General Housekeeping Services
Bed Linens
General House And Ground Maintenance Services
Room Furnishings
Specific ProgramsAncillary health services (PT, OT, etc.), Beautician/Barber services, Dental services, Laundry services, Medical supplies, Medications, Oxygen, Physician services, Podiatry services, Transportation service
Religious Services

Contact Carmel Home

Inspection History

In Kentucky, the Cabinet for Health and Family Services, Office of Inspector General is the regulatory authority that conducts inspections and investigates complaints in all long-term care homes.

Since 2019 · 7 years of data 3 deficiencies

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

Since 2019 vs. Kentucky state average
Overall vs. KY average 0 Worse No metrics in this bucket. 2 Better Metrics better than Kentucky average:
• Total deficiencies (50% below)
• Deficiencies per year (56% below)
Latest Inspection April 10, 2025 Annual Inspection

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

This FacilityKY Averagevs. KY Avg
Total deficiencies Info Formal regulatory issues recorded by inspectors across all inspection types. 36 This facility has 50% fewer total deficiencies than a typical Kentucky nursing home (3 vs. KY avg 6).↓ 50% better
Deficiencies per year Info Average deficiencies per year since 2019. 0.40.9 This facility has 56% fewer deficiencies per year than a typical Kentucky nursing home (0.4 vs. KY avg 0.9).↓ 56% better

Inspection Reports Summary Info An editor-reviewed summary of the themes and findings across this facility's recent inspection reports.

  • April 10, 2025 inspection found no deficiencies and confirmed substantial compliance with all federal health and safety regulations.
  • February 15, 2024 inspection cited three deficiencies including failure to provide RN coverage for eight consecutive hours on multiple days and food labeling violations.
  • Staffing and food safety issues from 2023 were documented but no complaints were substantiated, and the facility showed improvement by 2025.
Show Inspection Reports

Health Inspection History

Inspections since 2024
Total health inspections 1

Kentucky average 2.9

Last Health inspection on Feb 2024

Total health citations
3 Rank #7 / 195Health citations — State benchmarkedThis home is ranked 7th out of 195 homes in Kentucky. Shows this facility's total health deficiency citations benchmarked to the Kentucky State average, with a ranking across all 195 KY facilities. Lower citation counts earn a better rank.Rankings are based only on facilities in Kentucky that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Kentucky average 13.5

Citations per inspection
3 Rank #48 / 195Citations per inspection — State benchmarkedThis home is ranked 48th out of 195 homes in Kentucky. Shows average deficiency citations per CMS inspection for this facility versus the Kentucky mean across 195 facilities with citation data. Lower is better.Rankings are based only on facilities in Kentucky that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Kentucky average 4.4

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

All 3 citations resulted from standard inspections.

Breakdown of citation severity (last 2 years)
Critical health citations
0
100% better than Kentucky average

Kentucky average: 1.1

Serious health citations
0
100% better than Kentucky average

Kentucky average: 0.6

0 critical citations Kentucky average: 1.1
0 serious citations Kentucky average: 0.6
2 moderate citations Kentucky average: 11.6
1 minor citation Kentucky average: 0.1
Citations history (last 2 years)
Nursing Services moderate citation Feb 15, 2024
Corrected
Nursing Services minor citation Feb 15, 2024
Corrected
Nutrition moderate citation Feb 15, 2024
Corrected

Data sourced from CMS Health Deficiencies reports. 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.

Penalties and fines

Includes penalties issued in 2024

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 (Data as of Jan 2026)

Total fines amount $40K Rank #181 / 199Federal fines — State benchmarkedThis home is ranked 181st out of 199 homes in Kentucky. Shows this facility's cumulative CMS federal fine dollars versus the Kentucky average among facilities with fines, and where it ranks among 199 facilities in the pool. Lower total dollars mean a better rank.Rankings are based only on facilities in Kentucky that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
36% lower than Kentucky average

Kentucky average: $63K

Number of fines 4
74% more fines than Kentucky average

Kentucky average: 2.3

Payment Denials Info Serious action where Medicare and/or Medicaid temporarily stops payments for new residents until issues are fixed. 1
206% more payment denials than Kentucky average

Kentucky average: 0.3

Fines amount comparison
Fines amount comparison
This facility $40K
Kentucky average $63K
Penalty History

Penalties are imposed by CMS for violations of federal nursing home regulations.

5 penalties in the past 3 years

Multiple penalties were reported in the last 3 years.

Civil Money Penalty Info Fines imposed for noncompliance, which can be assessed per day or per instance of violation. Feb 20, 2024
$4K
Civil Money Penalty Info Fines imposed for noncompliance, which can be assessed per day or per instance of violation. Feb 15, 2024
$25K
Payment Denial Info Serious action where Medicare and/or Medicaid temporarily stops payments for new residents until issues are fixed. Feb 15, 2024
9 days
Civil Money Penalty Info Fines imposed for noncompliance, which can be assessed per day or per instance of violation. Feb 12, 2024
$3K

Last updated: Jan 2026

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. 8.2
22% better than Kentucky average

Kentucky average: 10.5

Functional decline score Info A composite score based on activities of daily living decline, walking ability decline, and incontinence. 17.1
10% better than Kentucky average

Kentucky average: 18.9

Long-stay resident measures
Average Kentucky avg: 3.5 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 17.8%
6% worse than Kentucky average

Kentucky average: 16.8%

Low Risk Residents with Bowel/Bladder Incontinence Info Percent of low risk long-stay residents who lose control of their bowels or bladder 16.4%
20% better than Kentucky average

Kentucky average: 20.5%

Falls with Major Injury Info Percent of long-stay residents experiencing one or more falls with major injury 9.1%
142% worse than Kentucky average

Kentucky average: 3.8%

High Risk Residents with Pressure Ulcers Info Percent of long-stay high risk residents with pressure ulcers 3.9%
33% better than Kentucky average

Kentucky average: 5.8%

Urinary Tract Infection Info Percent of long-stay residents with a urinary tract infection 1.5%
18% better than Kentucky average

Kentucky average: 1.9%

Lost Too Much Weight Info Percent of long-stay residents who lose too much weight 2.1%
68% better than Kentucky average

Kentucky average: 6.8%

Depressive Symptoms Info Percent of long-stay residents who have depressive symptoms 0.0%
100% better than Kentucky average

Kentucky average: 14.3%

Antipsychotic Use Info Percent of long-stay residents who received an antipsychotic medication 22.7%
46% worse than Kentucky average

Kentucky average: 15.6%

Pneumococcal Vaccine Info Percent of long-stay residents assessed and appropriately given the pneumococcal vaccine 89.4%
5% worse than Kentucky average

Kentucky average: 93.9%

Short-stay resident measures
Pneumococcal Vaccine Info Percent of short-stay residents assessed and appropriately given the pneumococcal vaccine 76.7%
8% worse than Kentucky average

Kentucky average: 83.7%

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

Breakdown by payment type

Medicare

26% of new residents, usually for short-term rehab.

Typical stay 2 - 3 months

Private pay

51% of new residents, often for short stays.

Typical stay 6 - 7 years

Medicaid

23% of new residents, often for long-term daily care.

Typical stay 1 - 2 years

Facility Characteristics

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

Total residents 18
Medicare
2
11.1% of residents
Medicaid
16
88.9% of residents
Programs & Services
Residents Group

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

CCRC

Part of a Continuing Care Retirement Community offering multiple care levels

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.

Nonprofit
Nonprofit Corporation
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."
$6.4M
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."
-$912.2K
Nonprofit Nonprofit Corporation
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."
$6.4M Rank #148 / 197Revenue — State benchmarkedThis home is ranked 148th out of 197 homes in Kentucky. Shows this facility's annual revenue compared to the Kentucky average. Higher revenue generally means more resources for staffing and capital — read alongside Payroll %.Rankings are based only on facilities in Kentucky that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
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."
-$912.2K
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.
$494.5K
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 #105 / 197Payroll — State benchmarkedThis home is ranked 105th out of 197 homes in Kentucky. Shows total annual staff payroll benchmarked to the Kentucky average. Higher payroll investment relative to peers often signals better staffing and less reliance on cheaper contract labor.Rankings are based only on facilities in Kentucky that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
$4.5M 70.4% 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 #28 / 197Payroll % — State benchmarkedThis home is ranked 28th out of 197 homes in Kentucky. Shows payroll as a percentage of revenue versus the Kentucky average. Well-run Kentucky facilities typically land around 51–61% — the top third Statewide. Below 25% may signal understaffing or heavy agency use — read with Staffing ratings.Rankings are based only on facilities in Kentucky that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
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).
$2.8M
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).
$7.3M
How we calculate these figures

This home is administered by Francis.

This home is owned by Mary Heisler

Certified by the Centers for Medicare & Medicaid Services authority — CMS Certification Number: 185226

Show certification details

What does this home offer?

Housing options icon
Housing options icon

Housing Options: Private Rooms / Semi-Private Rooms

Building type icon
Building type icon

Building Type: Single-story

Transportation services icon
Transportation services icon

Transportation Services

Fitness and recreation icon
Fitness and recreation icon

Fitness and Recreation

Who this home usually serves

TYPE OF STAY

Mix of rehab and long-term care

This home supports both short-term rehab and long-term care, with residents staying for a wide range of durations.

Most new residents arrive under private pay (51% of admissions), and a typical private pay stay runs around 6 - 7 years.

Admissions
30 total

Coverage residents most often arrive under.

Medicare 26%
Private pay 51%
Medicaid 23%
Discharges
62 total

Coverage residents most often leave under.

Medicare 26%
Private pay 59%
Medicaid 15%

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

How we assess these insights

Places of interest near Carmel Home

Address 2.2 miles from city center Info Estimated distance in miles from Owensboro's city center to Carmel Home's address, calculated via Google Maps.

Calculate Travel Distance to Carmel Home

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Address

Compare Nursing Homes around Owensboro

The information below is reported by the Kentucky Cabinet for Health and Family Services, Office of Inspector General.

5 facilities compared · CMS & KY Dept. of Health data

Hermitage Care & Rehabilitation Center
NH
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Facility 92
KY AVG 82
Rank #128 / 341
88.0%
Facility 88.0%
KY AVG 81.3%
Rank #89 / 209
+8%
4.18
Facility 4.18
KY AVG 3.75
Rank #26 / 193
 +14%+12%
$0
Facility $0
KY AVG $65.4k
Rank #1 / 199
4
Facility 4
KY AVG 13.5
Rank #11 / 195
2.0
Facility 2.0
KY AVG 4.4
Rank #17 / 195
-88A+
49
Facility 49
KY AVG 41
Rank #170 / 423
Matthew Clark
$11.2M
Facility $11.2M
KY AVG $10.5M
Rank #51 / 197
$4.4M
Facility $4.4M
KY AVG $4.0M
Rank #87 / 197
39.3%
Facility 39.3%
KY AVG 40.7%
Rank #176 / 197
185346
Twin Rivers Nursing And Rehab Center
NH
HC
NC
PC
RC
Owensboro
132
Facility 132
KY AVG 82
Rank #36 / 341
72.7%
Facility 72.7%
KY AVG 81.3%
Rank #171 / 209
-11%
3.39
Facility 3.39
KY AVG 3.75
Rank #77 / 193
 -6%-10%
$0
Facility $0
KY AVG $65.4k
Rank #1 / 199
18
Facility 18
KY AVG 13.5
Rank #143 / 195
9.0
Facility 9.0
KY AVG 4.4
Rank #187 / 195
-93A+
52
Facility 52
KY AVG 41
Rank #147 / 423
Myra Raymer
$9.7M
Facility $9.7M
KY AVG $10.5M
Rank #124 / 197
$5.5M
Facility $5.5M
KY AVG $4.0M
Rank #50 / 197
57.2%
Facility 57.2%
KY AVG 40.7%
Rank #6 / 197
185087
Signature Healthcare at Hillcrest
NH
MC
RC
Owensboro
156
Facility 156
KY AVG 82
Rank #17 / 341
81.4%
Facility 81.4%
KY AVG 81.3%
Rank #136 / 209
0%
3.57
Facility 3.57
KY AVG 3.75
Rank #55 / 193
 +47%-5%
$0
Facility $0
KY AVG $65.4k
Rank #1 / 199
7
Facility 7
KY AVG 13.5
Rank #38 / 195
3.5
Facility 3.5
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-128-
1
Facility 1
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William Conley
$15.0M
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Facility $5.7M
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Rank #38 / 197
38.1%
Facility 38.1%
KY AVG 40.7%
Rank #173 / 197
185120
Carmel Home
NH
Owensboro (Old Hartford Road)
115
Facility 115
KY AVG 82
Rank #63 / 341
83.5%
Facility 83.5%
KY AVG 81.3%
Rank #183 / 209
+3%- --
$40.2k
Facility $40.2k
KY AVG $65.4k
Rank #181 / 199
3
Facility 3
KY AVG 13.5
Rank #7 / 195
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Facility 3.0
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-96-
20
Facility 20
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Rank #334 / 423
Mary Heisler
$6.4M
Facility $6.4M
KY AVG $10.5M
Rank #148 / 197
$4.5M
Facility $4.5M
KY AVG $4.0M
Rank #105 / 197
70.4%
Facility 70.4%
KY AVG 40.7%
Rank #28 / 197
185226
Woodmont Health Campus
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ADC
AL
MC
RC
Boonville99 54.5% -22%3.06 -36%-11%$0202.9-53A+ 19 Robyn Meador$9.1M$4.6M50.6%155682
Nursing Home Explorer

Financial Assistance for
Nursing Home in Kentucky

Carmel Home is located in Owensboro, Kentucky.
Here are the financial assistance programs available to residents in Kentucky.

Get Financial aid guidance

Home and Community Based Waiver

Kentucky Medicaid HCB Waiver

Age 65+ or disabled
General Kentucky 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).
KY

Rural focus; waitlists possible.

Benefits
Personal care (5-7 hours/day) Respite (240 hours/year) Homemaker services Home modifications

Hart-Supported Living Program

KY Hart-Supported Living

Age 65+ or disabled
General Kentucky resident.
Income Limits No strict limit; prioritizes low-income.
Asset Limits Not applicable.
KY

Competitive grants; limited availability.

Benefits
In-home support (up to 10 hours/week) Respite (varies) Adaptive equipment (~$500 avg.)

Kentucky Homecare Program

Kentucky Homecare Program

Age 60+
General Kentucky resident, at risk of nursing home placement, not eligible for Medicaid waivers.
Income Limits (2025) No strict limit; prioritizes low-income ~$24,980/year individual
Asset Limits Not assessed; need-based focus.
KY

15 AAAs; rural focus; not in nursing homes.

Benefits
Personal care (4-6 hours/day) Respite (5 days/year) Chore services Meal delivery ($7/meal) Minor home repairs

Medicare Savings Program (MSP)

Kentucky Medicare Savings Program

Age 65+ or disabled
General Kentucky 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).
KY

Three tiers; no waitlist; auto Extra Help for Part D.

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

National Family Caregiver Support Program (NFCSP) Respite

Kentucky NFCSP Respite Care

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

15 AAAs; prioritizes low-income, rural caregivers.

Benefits
Respite (4-6 hours/week or 5 days/year) Adult day care ($55/day) Caregiver training Supplies (~$500/year)

Kentucky Family Caregiver Program

Kentucky Family Caregiver Program

Age —
General Grandparents (often 55+) as primary caregivers to grandchildren under 18, Kentucky resident, not on Kinship Care.
Income Limits (2025) ~$31,225/year (individual); varies by AAA.
Asset Limits Not strictly assessed; need-based.
KY

Max $1,500/year; statewide via AAAs.

Benefits
Grants (~$500-$1,500/year) for respite Supplies Care costs; counseling Training

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

Kentucky VA Aid and Attendance/Housebound

Age 65+ or disabled veteran/spouse
General Kentucky 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
KY

High veteran demand in rural areas.

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 Home

What neighborhood is Carmel Home in?

Carmel Home is in the Old Hartford Road neighborhood of Owensboro.

Who is the owner of Carmel Home?

Carmel Home is legally operated by Carmelite Srs. Of The Divine Heart Of Jesus Of Ky, and administered by Francis.

Is Carmel Home in a walkable area?

Carmel Home has a walk score of 20. Car-dependent. Most errands require a car, with limited nearby walkable options.

What is the license number of Carmel Home?

According to KY state health department records, Carmel Home's license number is 100082.

When does Carmel Home's license expire?

According to KY state health department records, Carmel Home's license expires on August 31, 2026.

What is the occupancy rate at Carmel Home?

Carmel Home's occupancy is 83%.

Does Carmel Home operate as a for-profit or non-profit?

Carmel Home is registered as a non-profit in KY.

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