What government services provide money for senior housing?

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

How do you pick the homes you recommend?

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

Do you help families that need Medicaid?

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

How much does this service cost?

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

What services do you offer?

Finding and ranking the best assisted living facilities Finding and ranking the best nursing homes Finding and ranking the best memory care facilities Our concierge service helps seniors move into the perfect home for them Helping seniors use medicare, medicaid, and other government programs to pay for their homes Helping seniors avoid senior homes that have bad service or fraud Helping seniors avoid senior homes that have bad service or fraud Autobiography & Family History Writing + Research Senior-focused concierge medicine Senior-focused nutritionist Senior-focused personal training Memory care specialists Custom wheelchairs at all price points. Custom hearing aids Cosmetic skincare + dermatology Companionship: We offer in-person and virtual companionship services. Someone engaging to hang out with or talk to on video chat. Senior housing concierge. Our service finds the best senior living options based on your needs, income, and personality.

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Carmel Manor | Covington, KY | Photos & Videos

Overview of Carmel Manor

Nestled in Covington, Kentucky, Carmel Manor is a place where the importance of life quality and compassionate care harmoniously intertwine. This assisted living community offers a comprehensive array of skilled nursing and long-term care services, ensuring a holistic approach that caters to the unique needs of each individual. The Nursing Care wing at Carmel Manor is designed to accommodate residents in need of long-term skilled nursing care, including support with essential daily activities like dressing, bathing, eating, and mobility. Additionally, residents may benefit from specialized therapies such as physical, occupational, and speech therapies.
The dedicated team at Carmel Manor collaborates closely with residents and their families to create tailored care plans, guaranteeing that every resident receives the highest quality of care. With round-the-clock skilled nursing assistance, residents can experience a sense of security and comfort. The community offers both private and semi-private room options, allowing residents to choose what suits them best. Participation in a rich variety of activities is a cornerstone of life at Carmel Manor. From engaging in crafts, entertainment, and pet therapy to being a part of book clubs, trivia sessions, and bingo games, residents have ample opportunities for recreation. The amenities also include a beauty salon, picnics, seasonal celebrations, and worship services, fostering a vibrant and dynamic environment. Carmel Manor is dedicated to ensuring that each resident’s journey is met with compassion, excellence, and a commitment to enhancing their overall well-being.

(859) 781‑5111

Managed by Jena Sexton

Administrator

Jena Sexton serves as the Administrator at Carmel Manor, overseeing the community's operations and ensuring a high standard of care and service for residents. She is a key leader dedicated to maintaining a warm and welcoming environment for all.

Quality ratings

Measured by Centers for Medicare & Medicaid Services (CMS)

Nurse hours per resident 4.56/day

Overall rating

1/5

Health Inspection

1/5

Staffing

4/5

Quality Measures

1/5

Capacity and availability

Medium-capacity home

Offers a balance of services and community atmosphere.

Total beds 175

This home usually has availability

Lower occupancy suggests more openings may be available.

53.5%

TYPE OF STAY

Primarily short stays

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

Might be optimal for

Post-acute recovery Temporary care Transitional stays

How we assess these insights Show admissions and discharges

Breakdown by payment type

Medicare

19% of new residents, usually for short-term rehab.

Typical stay 1 - 2 months

Private pay

67% of new residents, often for short stays.

Typical stay 4 - 5 months

Medicaid

14% of new residents, often for long-term daily care.

Typical stay 1 - 2 years

Finances and operations

Home revenue

$13.3M

Operating deficit

-$4.5M

Voluntary non-profit home Church

Home revenue

$13,349,438.00

Operating deficit

$-4,458,192.00

Payroll costs

$3.8M

28.6% of revenue

Other operating costs

$14.0M

Total costs $17.8M

Walk Score: 36 / 100

Somewhat walkable. A few nearby services may be reachable on foot, but most trips require transportation.

About this community

Care Services

Nursing Services

Rehabilitation Services

Respite Care

Memory Care

Skilled Nursing

Licensed Nurses/CNAs

24-Hour Staffing

Short-Term Rehab

All Levels of Care

Skilled Nursing

Memory Care

Personal Care

Rehab

Amenities & Lifestyle

Programs & Activities

Specific Programs

Skilled Nursing, Memory Care, Personal Care, Rehab

Religious Services

Yes

Compare Nursing Homes around Covington

Rosedale Green

SNF

KNOLLMAN, LONDA

88.7%

$18,474,548.00

$6,347,690.00

34.4%

162.40

2/5

4.3608

3/5

1/5

Rosedale Green

SNF

KY 41015

176

KNOLLMAN, LONDA

88.7%

$18,474,548.00

$6,347,690.00

34.4%

162.40

2/5

4.3608

3/5

1/5

Carmel Manor

SNF

THE CARMELITE SISTERS FOR THE AGED AND INFIRM

53.5%

$13,190,739.00

$3,824,600.00

29%

85.80

1/5

4.5639

1/5

4/5

1/5

Baptist Life Communities

SNF

Garrard Convalescent Home

SNF

Covington

Rosedale Green

Type of care: SNF AL

Pets Allowed: No

Operator: KNOLLMAN, LONDA

CCN: 185225

Occupancy: 88.7%

Home Revenue: $18,474,548.00

Payroll Costs: $6,347,690.00

Payroll %: 34.4%

Avg Residents/Day: 162.40

Overall Rating: 2/5

Adj Nurse Hours: 4.3608

Health Insp Rating: 3/5

Staffing Rating: 3/5

QM Rating: 1/5

Rosedale Green

Type of care: SNF AL

Community: KY 41015

Bed Count: 176

Pets Allowed: No

Operator: KNOLLMAN, LONDA

CCN: 185225

Occupancy: 88.7%

Home Revenue: $18,474,548.00

Payroll Costs: $6,347,690.00

Payroll %: 34.4%

Avg Residents/Day: 162.40

Overall Rating: 2/5

Adj Nurse Hours: 4.3608

Health Insp Rating: 3/5

Staffing Rating: 3/5

QM Rating: 1/5

Carmel Manor

Type of care: SNF AL

Pets Allowed: No

Operator: THE CARMELITE SISTERS FOR THE AGED AND INFIRM

CCN: 185208

Occupancy: 53.5%

Home Revenue: $13,190,739.00

Payroll Costs: $3,824,600.00

Payroll %: 29%

Avg Residents/Day: 85.80

Overall Rating: 1/5

Adj Nurse Hours: 4.5639

Health Insp Rating: 1/5

Staffing Rating: 4/5

QM Rating: 1/5

Number of Fines: 8

Baptist Life Communities

Type of care: SNF AL

Pets Allowed: No

Garrard Convalescent Home

Type of care: AL IL MC SNF

Community: Covington

Pets Allowed: No

Guides for Better Senior Living

Care Cost Calculator: See Prices in Your Area

Nursing Home Data Explorer

Don’t Wait Too Long: 7 Red Flag Signs Your Parent Needs Assisted Living Now

The True Cost of Assisted Living in 2025 – And How Families Are Paying For It

Understanding Senior Living Costs: Pricing Models, Discounts & Financial Assistance

Home and Community Based Waiver

Kentucky Medicaid HCB Waiver

General: Age 65+ or disabled, 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 Specifics: Rural focus; waitlists possible.

Hart-Supported Living Program

KY Hart-Supported Living

General: Age 65+ or disabled, Kentucky resident.

Income Limits: No strict limit; prioritizes low-income.

Asset Limits: Not applicable.

KY Specifics: Competitive grants; limited availability.

Kentucky Homecare Program

General: Age 60+, 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 Specifics: 15 AAAs; rural focus; not in nursing homes.

Medicare Savings Program (MSP)

Kentucky Medicare Savings Program

General: Age 65+ or disabled, 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 Specifics: Three tiers; no waitlist; auto Extra Help for Part D.

National Family Caregiver Support Program (NFCSP) Respite

Kentucky NFCSP Respite Care

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 Specifics: 15 AAAs; prioritizes low-income, rural caregivers.

Kentucky Family Caregiver Program

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

Senior Community Service Employment Program (SCSEP)

Kentucky SCSEP

General: Age 55+, unemployed, low-income, Kentucky resident.

Income Limits (2025): ~$1,983/month (125% FPL).

Asset Limits: Not specified; income-focused.

KY Specifics: Priority for veterans, rural residents.

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

Kentucky VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, 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 Specifics: High veteran demand in rural areas.

Who we are

Your Senior Care Partner, Every Step of the Way

We help families find affordable senior communities and unlock same day discounts, Medicaid, and Medicare options tailored to your needs.

Carmel Manor

Carmel Manor is a Nursing Home in Kentucky

Carmel Manor is a Nursing Home in Kentucky

Carmel Manor

Carmel Manor is a Nursing Home in Kentucky

Carmel Manor is a Nursing Home in Kentucky

Managed by Jena Sexton

Quality ratings

Capacity and availability

Medium-capacity home

This home usually has availability

Who this home usually serves

Primarily short stays

Breakdown by payment type

Medicare

Private pay

Medicaid

Finances and operations

About this community

Care Services

All Levels of Care

Amenities & Lifestyle

Programs & Activities

Compare Nursing Homes around Covington

Guides for Better Senior Living

Eldertainment

Financial Aid for Kentucky Seniors

Home and Community Based Waiver

Hart-Supported Living Program

Kentucky Homecare Program

Medicare Savings Program (MSP)

National Family Caregiver Support Program (NFCSP) Respite

Kentucky Family Caregiver Program

Senior Community Service Employment Program (SCSEP)

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

Contact Us

Your Senior Care Partner, Every Step of the Way

Touring Checklist for Senior Living

Location

Community Spaces and Overall Environment

Services

Staffing

Accommodations

Finances

Other Notes

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