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.

Luther Crest Apartments | Independent Living in Toledo, OH

Overview of Luther Crest Apartments

Luther Crest is an esteemed community nestled within the embrace of Genacross Lutheran Services. This serene enclave graces West Toledo with its presence near the picturesque junction of Central Avenue and Bancroft Street. Luther Crest is a haven for seniors aged 62 and above, offering a range of affordable housing options designed to nurture independent and comfortable living. This assisted living community boasts a charming arrangement of 71 one-bedroom apartments thoughtfully dispersed across two inviting buildings. Most of these apartments are thoughtfully subsidized, giving seniors an accessible and affordable living choice. Fostering an environment of inclusivity, small pets find a warm welcome within these walls.

Experience the essence of independent living within the heartwarming embrace of Luther Crest—an embodiment of comfort, community, and convenience. Set against a backdrop of tranquil landscapes, Luther Crest shares its harmonious campus grounds with another revered Genacross Lutheran community, Luther Woods. The location enjoys the added advantage of being conveniently positioned near essential establishments. Luther Crest extends its arms further with the presence of an on-site senior coordinator dedicated to assisting residents in embracing a lifestyle that’s both independent and maintenance-free. This includes facilitating access to vital services such as home health care, nourishing meals, and attentive housekeeping facilities.

Managed by Lee Wunschel

Executive Director, Genacross Lutheran Services-Napoleon Campus

Lee Wunschel serves as the Executive Director of Genacross Lutheran Services-Napoleon Campus, providing leadership and oversight to the community. Lee is dedicated to supporting the mission and ensuring quality services for residents at Luther Crest Apartments.

Walk Score: 49 / 100

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

BBB Rating: A+ (Not Accredited)

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About this community

Staffing

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

ContactMs. Amanda Schroeder, Vice President of Home & Community Based Services

Total Employees

Full-Time Employees

Pets Allowed

Admission CriteriaIncome limit required; 10 percent of apartments for individuals 18 years or older with a disability.

Minimum Age62

Utilities IncludedYes

One-Bedroom Apartments

Community Room

Kitchen

Convenient Parking

Pleasant Grounds

Cable Tv Available (Additional Fee)

Non-Smoking Campus

Small Pets Welcome

ActivitiesA wide variety of social opportunities are made available to residents, including card parties, bingo, Bible studies, lunch outings, and monthly birthday parties.

Specific ProgramsAffordable Housing, Service Coordination

Meals IncludedNo

Living Spaces & Floor Plans

Luther Crest Floor Plan

Download PDF

PASSPORT Waiver

Ohio Medicaid PASSPORT

Age 60+

General Ohio 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).

Administered through regional agencies; waitlists possible.

Benefits

Personal care (5-7 hours/day) Respite (240 hours/year) Adult day care ($65/day) Home modifications ($1,500 avg.)

Ohio Home Care Program (non-Medicaid)

OH HCP

Age 60+

General Ohio resident, at risk of decline.

Income Limits ~$2,000/month individual, varies

Asset Limits $5,000 individual

Limited funding; regional variation.

Benefits

In-home care (3-5 hours/week) Respite (up to 10 days/year) Transportation (~5 trips/month)

Assisted Living Waiver (ALW)

Ohio Assisted Living Waiver

Age 21+ (65+ prioritized)

General OH resident, Medicaid-eligible, NFLOC.

Income Limits (2025) ~$2,829/month (individual); QIT required.

Asset Limits $2,000 (individual), $3,000 (couple).

Covers ~300 facilities; room/board not included (separate cost).

Benefits

Personal care Meals Medication management Transportation (~$3,000-$4,000/month value)

Program of All-Inclusive Care for the Elderly (PACE)

Ohio PACE (e.g., McGregor PACE)

Age 55+

General OH resident (specific counties), NFLOC, safe with PACE support.

Income Limits (2025) ~$2,829/month (Medicaid-eligible); private pay option available.

Asset Limits $2,000 (individual), $3,000 (couple) for Medicaid enrollees.

Available in 9 counties (e.g., Cuyahoga, Franklin); expanding via Healthy Aging Grants.

Benefits

Personal care (5-7 hours/day) Medical care Meals Transportation Respite Therapies

Medicare Savings Program (MSP)

Ohio Medicare Savings Program

Age 65+ or disabled

General OH 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; includes Extra Help for Part D; no waitlist.

Benefits

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

Home Energy Assistance Program (HEAP)

Ohio HEAP

Age 60+ prioritized

General OH resident, low-income household.

Income Limits (2025) ~$3,970/month individual, 185% FPL

Asset Limits Not assessed; income-focused.

Covers gas, electric, oil; emergency aid via Winter/Summer Crisis Programs.

Benefits

Heating/cooling aid ($300-$1,000/season) Emergency aid ($500 max)

Family Caregiver Support Program (FCSP)

Ohio Family Caregiver Support Program

Age —

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

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

Asset Limits Not assessed; need-based.

12 AAAs; rural/low-income priority; volunteer respite option.

Benefits

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

Senior Community Service Employment Program (SCSEP)

Ohio SCSEP

Age 55+

General unemployed, low-income, OH 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

Ohio VA Aid and Attendance/Housebound

Age 65+ or disabled veteran/spouse

General OH 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; supports care in multiple settings.

Benefits

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

Homestead Exemption

Ohio Homestead Exemption

Age 65+ (or disabled)

General OH resident, homeowner, low-income.

Income Limits (2025) ~$38,500/year individual, adjusted annually

Asset Limits Not assessed; home ownership required.

Reduces taxable value by $25,000; applies to primary residence.

Benefits

Tax reduction (~$400-$800/year avg., varies by county)

Save the Dream Ohio (Homeowner Assistance Fund)

Ohio Save the Dream

Age 60+ prioritized

General OH resident, homeowner, hardship post-Jan 21, 2020.

Income Limits (2025) ~$147,600/year family of 4, 150% AMI; varies by county

Asset Limits Not assessed; hardship-focused.

Covers delinquent mortgages, utilities, taxes; max $25,000 mortgage aid.

Benefits

Mortgage aid ($25,000 max) Utility/property tax aid ($5,000 avg.)

10.3 miles from city center Estimated distance in miles from Toledo's city center to Luther Crest Apartments's address, calculated via Google Maps. — 2.78 miles to nearest hospital (Lincare)

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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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The Woodlands at Sunset House	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). 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.	Toledo (Westgate)	20	No	36	-	-	85	3
Luther Crest Apartments	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.	Toledo (Reynolds Corners)	-	No	49	-	A+	-	0
Genesis Village	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.	Toledo (Southwyck)	-	Yes	56	Studio / 1 Bed / 2 Bed	A+	-	0
Executive Towers	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.	Toledo	-	No	79	-	-	-	0
The Grove at Oakleaf Village of Sylvania	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.	Toledo	-	No	33	-	A+	-	0

The Woodlands at Sunset House

Type of care: NH AL

Community:Location: Toledo (Westgate)

Bed Count: 20

Pets Allowed: No

Luther Crest Apartments

Type of care: AL

Community:Location: Toledo (Reynolds Corners)

Pets Allowed: No

Genesis Village

Type of care: AL

Community:Location: Toledo (Southwyck)

Pets Allowed: Yes

Bed Options: Studio / 1 Bed / 2 Bed

Executive Towers

Type of care: AL

Community:Location: Toledo

Pets Allowed: No

The Grove at Oakleaf Village of Sylvania

Type of care: AL

Community:Location: Toledo

Pets Allowed: No

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Luther Crest Apartments

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