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.

Harmony Homes By the Bay | Assisted Living in Durham, NH

Overview of Harmony Homes by the Bay

In the serene town of Durham, New Hampshire, Harmony Homes by the Bay is a trusted assisted living community offering specialized care for residents requiring higher support. This integrated community warmly embraces both assisted living residents and those with memory care needs, including Alzheimer’s and various forms of dementia. Nestled along the tranquil Oyster River, the community’s beautiful waterfront location creates a serene setting where residents immediately feel at home.

Harmony Homes by the Bay was meticulously designed, incorporating the latest Alzheimer’s and dementia research to ensure a safe and supportive environment for seniors. Operated by dedicated owners, this community is committed to enhancing its cherished residents’ well-being and quality of life, fostering an environment where each individual is cared for with compassion and respect.

(603) 292-5175

60-bed community

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

15 years in operation

A community with a solid operating history and experience delivering ongoing care.

Walk Score: 1 / 100

Car-dependent. Most errands require a car, with limited nearby walkable options.

BBB Rating: A+ (Not Accredited)

An independent rating from the Better Business Bureau based on factors such as complaint history, transparency, and business practices.
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About this community

Facility TypeSupported Residential Care Facility

StatusActive

IssuanceJanuary 8, 2025

ExpirationJuly 31, 2026

CountyStrafford

License Number4228

Harmony Homes By the Bay is administrated by Sarah Morazzini.

Staffing

Key information about the people who lead and staff this community.

ContactJohn Randolph, Member

Respite Care

Licensed Nurses/CNAs

Specific ProgramsActivities Programs, Dining

What does this home offer?

Building Type: Single-story

Transportation Services

Fitness and Recreation

Types of Care at Harmony Homes By the Bay

Assisted Living Memory Care

Choices for Independence

NH Medicaid CFI Waiver

Age 65+ or disabled

General New Hampshire 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).

Small state; rural access emphasis.

Benefits

Personal care (5-7 hours/day) Respite (240 hours/year) Adult day care (~$65/day) Home aides

NH ServiceLink Aging and Disability Resource Center

NH ServiceLink

Age 60+

General New Hampshire resident, or caregiver.

Income Limits No strict limit; prioritizes low-income.

Asset Limits Not applicable.

Primarily referral-based; limited direct funding.

Benefits

Care coordination Respite (up to 5 days/year) Transportation (~5 trips/month)

Old Age Assistance (OAA)

New Hampshire Old Age Assistance

Age 65+

General NH resident, US citizen/eligible alien, not in public institution.

Income Limits (2025) ~$1,063/month (individual, net after deductions); varies by living arrangement.

Asset Limits $1,500 (individual), $2,000 (couple).

Automatic Medicaid eligibility; estate recovery applies.

Benefits

Cash (~$50-$200/month) for living costs (e.g., rent, utilities, care support)

New Hampshire Family Caregiver Program (via NFCSP)

New Hampshire Family Caregiver Program

Age —

General Caregivers of 60+ needing care or 55+ caregivers of others; NH resident; functional needs (2+ ADLs).

Income Limits (2025) Prioritizes ~$24,980/year (individual); no strict cap.

Asset Limits Not assessed; need-based.

13 ServiceLink locations; rural/low-income priority.

Benefits

Respite (4-6 hours/week or 5 days/year) Adult day care ($60/day) Training Supplies (~$500/year)

Medicare Savings Program (MSP)

New Hampshire Medicare Savings Program

Age 65+ or disabled

General NH 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; includes Extra Help for Part D.

Benefits

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

New Hampshire Fuel Assistance Program (FAP)

New Hampshire Fuel Assistance Program

Age 60+ prioritized

General NH resident, low-income household.

Income Limits (2025) ~$33,614/year (1-person), ~$43,958/year (2-person) (150% FPL).

Asset Limits Not assessed; income-focused.

Administered by 5 CAP agencies; covers oil, gas, electric, wood.

Benefits

Heating aid ($300-$1,200/season) Weatherization Emergency fuel ($450 max)

Senior Community Service Employment Program (SCSEP)

New Hampshire SCSEP

Age 55+

General unemployed, low-income, NH resident.

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

Asset Limits Not specified; income-focused.

Priority for veterans, rural residents; AARP partnership.

Benefits

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

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

New Hampshire VA Aid and Attendance/Housebound

Age 65+ or disabled veteran/spouse

General NH 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/urban areas.

Benefits

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

NH Low and Moderate Income Homeowners Property Tax Relief

New Hampshire Property Tax Relief

Age 65+ prioritized

General NH resident, homeowner, paid property taxes.

Income Limits (2025) ~$47,000/year (individual), ~$60,000/year (couple).

Asset Limits Not assessed; home value cap at $750,000.

Refundable relief (~$100-$500/year); annual application.

Benefits

Tax relief (~$100-$500/year) to offset housing costs Indirectly aiding care funding

5.8 miles from city center Estimated distance in miles from Durham's city center to Harmony Homes By the Bay's address, calculated via Google Maps. — 5.53 miles to nearest hospital (Wentworth-Douglass Hospital)

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Penalty History

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

No penalties in the past 3 years

No civil money penalties or payment denials were reported in the last 3 years.

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Harmony Homes By the Bay	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.	Durham	60	No	1	-	15	A+	Sarah Morazzini
Brookdale Spruce Wood	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.	Durham	-	Yes	0	Studio / 1 Bed / 2 Bed	48	A+	Lynn Underhill

Harmony Homes By the Bay

Type of care: AL MC

Community:Location: Durham

Bed Count: 60

Pets Allowed: No

Brookdale Spruce Wood

Type of care: AL IL MC

Community:Location: Durham

Pets Allowed: Yes

Bed Options: Studio / 1 Bed / 2 Bed

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Harmony Homes By the Bay

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