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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Resident interviews at our senior living facilities

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Fern Terrace Suites II

Fern Terrace Suites II is an Assisted Living Home in Kentucky

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Overview of Fern Terrace Suites II

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.

(859)-788-7880

Compare Assisted Living around Owensboro

One Park Place

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Calumet Trace – A Charter Senior Living Community

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Fern Terrace Suites II

Davco Rest Home LLC

Heritage Place

SNF

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45.50

3/5

6.1114

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1/5

5/5

One Park Place

Type of care: AL IL MC SNF

Community: Owensboro

Bed Count: 104

Pets Allowed: No

Calumet Trace – A Charter Senior Living Community

Type of care: AL IL MC

Community: Owensboro

Bed Count: 20

Pets Allowed: No

Fern Terrace Suites II

Type of care: AL

Pets Allowed: No

Davco Rest Home LLC

Type of care: AL

Pets Allowed: No

Heritage Place

Type of care: AL IL MC SNF

Community: Owensboro

Pets Allowed: No

CCN: 25021

Avg Residents/Day: 45.50

Overall Rating: 3/5

Adj Nurse Hours: 6.1114

Health Insp Rating: 3/5

Staffing Rating: 1/5

QM Rating: 5/5

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.

Fern Terrace Suites II

Fern Terrace Suites II is an Assisted Living Home in Kentucky

Fern Terrace Suites II is an Assisted Living Home in Kentucky

Fern Terrace Suites II

Fern Terrace Suites II is an Assisted Living Home in Kentucky