Garrard Convalescent Home

Article: How to get Medicare and Medicaid to Pay for Assisted Living

0.4 miles from city center

Description

Set in the harmonious neighborhood of Garrard Street, Covington, KY, Garrard Convalescent Home is a renowned senior living community providing skilled care and rehabilitation. A team of compassionate and highly skilled professionals strives to meet seniors’ needs and preferences for a worry-free retirement. The community fosters a bright and friendly environment for seniors to feel a sense of belonging and comfort in its beautiful premises.

With its ideal location near convenient amenities and fun attractions, the community ensures residents can easily access their necessities and desires. The community provides various therapeutic services to enhance residents’ everyday living. Garrard Convalescent Home goes above and beyond to provide a safe place for seniors to make every moment of their golden years count.

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Details

What does this place offer?

Building Type 3-story

Types of Care Available

Nursing Homes

Claim What’s Yours: Financial Aid for Kentucky Seniors

Program

State Program Name

Eligibility

Benefits

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.

Services: Personal care (5-7 hours/day), respite (240 hours/year), homemaker services, home modifications.

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.

Services: In-home support (up to 10 hours/week), respite (varies), adaptive equipment (~$500 avg.).

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.

Services: 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

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.

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

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.

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($55/day), caregiver training, supplies (~$500/year).

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.

Services: Grants (~$500-$1,500/year) for respite, supplies, care costs; counseling, training.

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.

Services: 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

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.

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

Claim What’s Yours Financial Aid for Kentucky Seniors

Kentucky Medicaid HCB Waiver

Home and Community Based Waiver

Eligibility

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.

Benefits

Services: Personal care (5-7 hours/day), respite (240 hours/year), homemaker services, home modifications.

KY Hart-Supported Living

Hart-Supported Living Program

Eligibility

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.

Benefits

Services: In-home support (up to 10 hours/week), respite (varies), adaptive equipment (~$500 avg.).

Kentucky Homecare Program

Eligibility

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.

Benefits

Services: Personal care (4-6 hours/day), respite (5 days/year), chore services, meal delivery ($7/meal), minor home repairs.

Kentucky Medicare Savings Program

Medicare Savings Program (MSP)

Eligibility

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.

Benefits

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

Kentucky NFCSP Respite Care

National Family Caregiver Support Program (NFCSP) Respite

Eligibility

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.

Benefits

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($55/day), caregiver training, supplies (~$500/year).

Kentucky Family Caregiver Program

Eligibility

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.

Benefits

Services: Grants (~$500-$1,500/year) for respite, supplies, care costs; counseling, training.

Kentucky SCSEP

Senior Community Service Employment Program (SCSEP)

Eligibility

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.

Benefits

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

Kentucky VA Aid and Attendance/Housebound

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

Eligibility

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.