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.

Fern Terrace Of Owensboro | Memory Care in Owensboro, KY

Overview of Fern Terrace of Owensboro

Discover the compassion and dedication that sets the community apart. Welcome to Fern Terrace of Owensboro, a premier assisted living community located in Owensboro, Kentucky offering Personal Care homes and Assisted Living. Residents benefit from the expertise of trained personnel who administer medications and provide round-the-clock care. The community ensures a comforting environment with both private and semi-private rooms, promoting personalized attention and comfort.

For added convenience, Fern Terrace offers transportation to medical appointments, and residents have access to physician, psychiatrist, dental, optical, and podiatry services. Engaging activities are scheduled, fostering socialization and overall well-being. Welcome to Fern Terrace, where an enriching community awaits to support residents’ journey to wellness and vibrant living.

(270) 684-7171

68-bed community

A moderately sized community that may balance personal attention with shared amenities and social activities.

Walk Score: 42 / 100

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

About this community

Facility TypePersonal Care Home

StatusActive

CountyDaviess

License Number100096

Fern Terrace Of Owensboro is legally operated by Simpson Family Holdings Ii, Llc.

What does this home offer?

Housing Options: Private Rooms / Semi-Private Rooms

Building Type: 3-story

Transportation Services

Fitness and Recreation

Types of Care at Fern Terrace Of Owensboro

Memory Care Assisted Living

Compare Assisted Living around Owensboro

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Carmel Home	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. NH Nursing Home Licensed facility providing 24/7 skilled nursing care for residents with complex, ongoing medical needs. Staffed by RNs, LPNs, and CNAs. Inspected and star-rated annually by CMS. Accepts Medicare (short-term rehab) and Medicaid (long-term care).	Owensboro (Old Hartford Road)	115	No	20	Private Rooms / Semi-Private Rooms	-	3
Fern Terrace Of Owensboro	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. MC Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.	Owensboro	68	No	42	Private Rooms / Semi-Private Rooms	-	0
Cedarhurst of Owensboro	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. MC Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.	Owensboro	56	Yes	9	Private Rooms / Semi-Private Rooms	-	0
Calumet Trace Senior Living	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.	Owensboro	44	No	-	Private Rooms / Semi-Private Rooms	-	0
Calumet Trace – A Charter Senior Living Community	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support. MC Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.	Owensboro (Gateway Commons)	20	No	48	Private Rooms / Semi-Private Rooms	-	0

Carmel Home

Type of care: AL NH

Community:Location: Owensboro (Old Hartford Road)

Bed Count: 115

Pets Allowed: No

Bed Options: Private Rooms / Semi-Private Rooms

Fern Terrace Of Owensboro

Type of care: AL MC

Community:Location: Owensboro

Bed Count: 68

Pets Allowed: No

Bed Options: Private Rooms / Semi-Private Rooms

Cedarhurst of Owensboro

Type of care: AL MC

Community:Location: Owensboro

Bed Count: 56

Pets Allowed: Yes

Bed Options: Suite / 1 Bed / 2 Bed

Calumet Trace Senior Living

Type of care: AL

Community:Location: Owensboro

Bed Count: 44

Pets Allowed: No

Bed Options: Private Rooms / Semi-Private Rooms

Calumet Trace – A Charter Senior Living Community

Type of care: AL IL MC

Community:Location: Owensboro (Gateway Commons)

Bed Count: 20

Pets Allowed: No

Bed Options: Private Rooms / Semi-Private Rooms

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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).

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.

Competitive grants; limited availability.

Benefits

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

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.

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).

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.

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

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.

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

Benefits

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

Senior Community Service Employment Program (SCSEP)

Kentucky SCSEP

Age 55+

General unemployed, low-income, Kentucky resident.

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

Asset Limits Not specified; income-focused.

Priority for veterans, rural residents.

Benefits

Paid training (~20 hours/week at ~$7.25/hour) Job placement

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

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)

1.3 miles from city center Estimated distance in miles from Owensboro's city center to Fern Terrace Of Owensboro's address, calculated via Google Maps. — 1.7 miles to nearest hospital (Owensboro Health Healthpark)

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Fern Terrace Of Owensboro

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Memory Care in Owensboro