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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River Terrace Health Care Center

BLUFFTON, IN 46714 View Map

River Terrace Health Care Center is a Nursing Home in Indiana

River Terrace Health Care… is a Nursing Home in Indiana

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Overview of River Terrace Health Care Center

River Terrace Health Care Center is a continuing care retirement community located in Bluffton, Indiana. It offers a range of senior living options including independent living, assisted living, memory care, long-term care, and short-term rehabilitation. The community provides a warm and welcoming environment with various activities tailored to residents' abilities.

(260) 824-8940

Quality ratings

Measured by Centers for Medicare & Medicaid Services (CMS)

Nurse hours per resident 4.03/day

Overall rating

5/5

Health Inspection

5/5

Staffing

3/5

Quality Measures

3/5

Capacity and availability

Smaller home

May offer a more intimate, personalized care environment.

Total beds 94

This home usually has availability

Lower occupancy suggests more openings may be available.

62.9%

TYPE OF STAY

Mostly short-term rehab stays

Most residents typically stay for a few weeks or months before returning home or moving on.

Might be optimal for

Short stays Recovery Medicare-covered care

How we assess these insights Show admissions and discharges

Breakdown by payment type

Medicare

48% of new residents, usually for short-term rehab.

Typical stay 14 days

Private pay

38% of new residents, often for short stays.

Typical stay 2 - 3 years

Medicaid

14% of new residents, often for long-term daily care.

Typical stay 1 - 2 years

Finances and operations

Home revenue

$7.0M

Surplus of revenue

$284.3K

Governmental home County

Home revenue

$6,991,839.00

Surplus of revenue

$284,294.00

Payroll costs

$2.5M

35.6% of revenue

Other operating costs

$4.2M

Total costs $6.7M

94-bed community

A larger shared setting that may offer more common spaces and organized community services.

1 year in operation

A newer community that may feature more recent facilities and programs.

About this community

License Status

Active

Facility Type

MIXED FACILITY (NURSING + RESIDENTIAL CARE)

License Date

February 1, 2025

Additional licensing details

License number: 25-003575-1

CMS Certification Number: 155726

Ownership & operating entity

River Terrace Health Care Center is administrated by MALLORY ZEHR.

Profit status: OTHER

Staffing

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

Leadership

Director of Nursing: SHANA SCHAIBLE

Care Services

Rehabilitation Services

Memory Care

Independent Living

Short-Term Rehab

All Levels of Care

Independent Living

Assisted Living

Memory Care

Long Term Care

Short Term Rehabilitation

Contact Information

Fax: (260) 824-8951

Amenities & Lifestyle

Dine With Friends

Hobbies Encouraged

Serene Outdoors

Celebrations

Chapel

Reading Nook

Programs & Activities

Specific Programs

Short Term Rehabilitation, Long Term Care, Memory Care, Assisted Living, Independent Living

Results

5 with citations

0 without citations

Show Inspection Reports

1 complaint

Formal expressions of dissatisfaction or concern made by residents, or their families regarding various aspects of the care, services, and environment provided.

11 total citations

Citations indicate regulatory violations. A higher number implies the facility had several areas requiring improvement.

Compare Nursing Homes around Indiana

Adams Woodcrest

SNF

IN 46733

143

71.4%

$12,192,260.00

$5,615,054.00

46.1%

108.40

5/5

3.6901

5/5

3/5

5/5

River Terrace Health Care Center

SNF

IN 46714

148

62.9%

$6,491,043.00

$2,488,072.00

38.3%

27.60

5/5

4.0268

5/5

3/5

Adams Heritage

SNF

IN 46773

71.6%

$5,068,983.00

$2,488,962.00

49.1%

39.10

5/5

4.1205

4/5

5/5

Addison Pointe Health & Rehabilitation Center

SNF

IN 46304

100

DOBBEN, STEVEN

92.5%

$15,225,564.00

$5,306,023.00

34.8%

92.50

3/5

3.1554

2/5

3/5

5/5

Albany Health Care & Rehabilitation Center

SNF

IN 47320

102

TROXWELL, MELANIE

75.6%

$12,342,683.00

$4,315,019.00

35%

77.20

2/5

3.5110

2/5

3/5

Adams Woodcrest

Type of care: SNF AL

Community: IN 46733

Bed Count: 143

Pets Allowed: No

CCN: 155747

Occupancy: 71.4%

Home Revenue: $12,192,260.00

Payroll Costs: $5,615,054.00

Payroll %: 46.1%

Avg Residents/Day: 108.40

Overall Rating: 5/5

Adj Nurse Hours: 3.6901

Health Insp Rating: 5/5

Staffing Rating: 3/5

QM Rating: 5/5

River Terrace Health Care Center

Type of care: SNF AL

Community: IN 46714

Bed Count: 148

Pets Allowed: No

CCN: 155726

Occupancy: 62.9%

Home Revenue: $6,491,043.00

Payroll Costs: $2,488,072.00

Payroll %: 38.3%

Avg Residents/Day: 27.60

Overall Rating: 5/5

Adj Nurse Hours: 4.0268

Health Insp Rating: 5/5

Staffing Rating: 3/5

QM Rating: 3/5

Adams Heritage

Type of care: SNF AL

Community: IN 46773

Bed Count: 61

Pets Allowed: No

CCN: 155729

Occupancy: 71.6%

Home Revenue: $5,068,983.00

Payroll Costs: $2,488,962.00

Payroll %: 49.1%

Avg Residents/Day: 39.10

Overall Rating: 5/5

Adj Nurse Hours: 4.1205

Health Insp Rating: 4/5

Staffing Rating: 4/5

QM Rating: 5/5

Addison Pointe Health & Rehabilitation Center

Type of care: SNF AL

Community: IN 46304

Bed Count: 100

Pets Allowed: No

Operator: DOBBEN, STEVEN

CCN: 155805

Occupancy: 92.5%

Home Revenue: $15,225,564.00

Payroll Costs: $5,306,023.00

Payroll %: 34.8%

Avg Residents/Day: 92.50

Overall Rating: 3/5

Adj Nurse Hours: 3.1554

Health Insp Rating: 2/5

Staffing Rating: 3/5

QM Rating: 5/5

Number of Fines: 1

Albany Health Care & Rehabilitation Center

Type of care: SNF AL

Community: IN 47320

Bed Count: 102

Pets Allowed: No

Operator: TROXWELL, MELANIE

CCN: 155432

Occupancy: 75.6%

Home Revenue: $12,342,683.00

Payroll Costs: $4,315,019.00

Payroll %: 35%

Avg Residents/Day: 77.20

Overall Rating: 2/5

Adj Nurse Hours: 3.5110

Health Insp Rating: 2/5

Staffing Rating: 3/5

QM Rating: 3/5

BLUFFTON, IN 46714

Calculate Travel Distance to River Terrace Health Care Center

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120

Total Staff

109

Employees

Contractors

13,516

Total Hours (Quarter)

Avg Staff/Day

7.1

Avg Shift (hrs)

Nursing Staff Breakdown

Role ⓘ	Count ⓘ	Avg Shift (hrs) ⓘ	Uses Contractors? ⓘ
Registered Nurse	22	7.9	Yes
Licensed Practical Nurse	6	7.3	No
Certified Nursing Assistant	55	7	Yes

Staff by Category

Administration

1 staff

8hs shift avg

Nursing Staff

97 staff

7.2hs shift avg

Physicians & Practitioners

5 staff

7.8hs shift avg

Therapy Services

7 staff

3hs shift avg

Activities & Recreation

3 staff

7.2hs shift avg

Social Services

2 staff

3.3hs shift avg

Dietary Services

4 staff

7.1hs shift avg

Other Services

1 staff

8hs shift avg

Contractor Analysis

2.7%

of total hours from contractors

370 contractor hours this quarter

Certified Nursing Assistant: 7 Registered Nurse: 4

Role ⓘ	Employees ⓘ	Contractors ⓘ	Total Staff ⓘ	Total Hours ⓘ	Days Worked ⓘ	% of Days ⓘ	Avg Shift (hrs) ⓘ
Certified Nursing Assistant	48	7	55	4,927	91	100%	7
Registered Nurse	18	4	22	2,336	91	100%	7.9
Other Dietary Services Staff	3	0	3	1,335	91	100%	7
Clinical Nurse Specialist	4	0	4	910	63	69%	7.6
Nurse Practitioner	1	0	1	517	64	70%	8.1
Medication Aide/Technician	13	0	13	506	55	60%	6.3
Therapeutic Recreation Specialist	3	0	3	500	69	76%	7.2
Dietitian	1	0	1	492	66	73%	7.5
Administrator	1	0	1	488	61	67%	8
Mental Health Service Worker	1	0	1	472	59	65%	8
Licensed Practical Nurse	6	0	6	386	42	46%	7.3
Respiratory Therapist	2	0	2	233	65	71%	3.5
RN Director of Nursing	1	0	1	171	24	26%	7.1
Qualified Social Worker	2	0	2	93	28	31%	3.3
Respiratory Therapy Technician	3	0	3	82	27	30%	3
Physical Therapy Assistant	2	0	2	69	33	36%	2.1

View All Staffing Data

Total Health inspections 3

50% below Indiana average

Indiana average: 6.0

Last Health inspection on Jan 2025

Total Health citations 4

84% below Indiana average

Indiana average: 25.0

1.33 citations per inspection (avg)

Citations origin

Citations can result from standard inspections or complaint-based investigations.

Standard inspections 4 citations

Complaint investigations 0 citations

Breakdown of citations

Critical Health citations 0

100% below Indiana average

Indiana average: 0.2

Serious Health citations 0

100% below Indiana average

Indiana average: 0.6

Moderate Health citations 4

Minor Health citations 0

Citations history (last 3 years)

Pharmacy moderate citation Jan 10, 2025

Corrected

Care Planning moderate citation Jan 10, 2025

Corrected

Pharmacy moderate citation Feb 20, 2024

Corrected

Pharmacy moderate citation Jan 24, 2023

Corrected

Ownership: County Government

Part of: Adams Co, Memorial Hospital

Resident Census by Payment Source

28 Total Residents

Medicare 2 (7.1%)

Medicaid 21 (75%)

Private Pay/Other 5 (17.9%)

Programs & Services

Residents' Group

CCRC

Family Engagement

Active councils help families stay involved in care decisions and facility operations.

Active Resident Council

High-risk clinical events score 11.5

43% worse than Indiana average

Indiana average: 8.0

Functional decline score 24.2

42% worse than Indiana average

Indiana average: 17.1

Long-Stay Resident Measures

Need for Help with Daily Activities Increased 16.9%

40% above Indiana average.

Walking Ability Worsened 27.3%

91% above Indiana average.

Low Risk Long-Stay Residents with Bowel/Bladder Incontinence 28.4%

16% above Indiana average.

Falls with Major Injury 3.9%

2% above Indiana average.

High Risk Residents with Pressure Ulcers 4.8%

10% above Indiana average.

Urinary Tract Infection 7.8%

545% above Indiana average.

Depressive Symptoms 7.2%

70% below Indiana average.

Antipsychotic Use 7.1%

43% below Indiana average.

Pneumococcal Vaccine 98.0%

5% above Indiana average.

Influenza Vaccine 100.0%

5% above Indiana average.

Lost Too Much Weight 4.4%

22% below Indiana average.

Short-stay resident measures

Pneumococcal Vaccine 93.1%

14% better than Indiana average

Antipsychotic medication increase 0.0%

100% better than Indiana average

Influenza Vaccine 92.3%

17% better than Indiana average

Financial Trends

Historical financial and operational data for River Terrace Health Care Center based on CMS SNF Cost Reports.

Occupancy Rate 62.9% ↑ 2.2pp vs 2022

Net Income $284,294 ↑ ~$1.0M vs 2022

Total Payroll $3,205,421 ↓ ~$587K vs 2022

Profit Margin 4.4% ↑ 17.5pp vs 2022

Loading trend charts...

Metric	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Occupancy %	82.5%	80.2%	80.1%	80.7%	85.0%	88.2%	88.0%	82.3%	79.3%	72.0%	66.9%	60.7%	62.9%
Beds	94	94	94	94	94	94	94	94	94	94	139	148	148
Net Income	-$863,758	-$680,580	-$748,605	-$944,880	$914,369	$398,293	$346,649	$224,709	$249,689	$623,582	$1,050,861	-$748,727	$284,294
Gross Revenue	$5,156,554	$5,490,372	$6,269,814	$5,907,378	$5,786,683	$6,087,494	$5,968,066	$6,038,993	$5,821,070	$5,356,997	$5,915,420	$5,723,376	$6,491,043
Operating Expenses	$6,396,155	$6,510,427	$6,700,513	$5,942,402	$4,708,542	$5,445,201	$5,317,250	$5,514,821	$5,350,839	$5,076,634	$4,422,157	$6,250,535	$6,182,622
Net Patient Revenue	$4,913,841	$5,124,121	$5,610,853	$5,443,099	$5,547,070	$5,780,673	$5,602,327	$5,671,234	$5,577,464	$5,244,767	$5,466,085	$5,399,701	$5,966,120
Total Payroll	$2,773,099	$2,881,657	$3,250,904	$3,076,198	$2,699,548	$2,952,048	$2,981,742	$3,040,512	$2,816,497	$2,504,293	$3,026,041	$3,792,681	$3,205,421
Profit Margin %	-16.8%	-12.4%	-11.9%	-16.0%	15.8%	6.5%	5.8%	3.7%	4.3%	11.6%	17.8%	-13.1%	4.4%
Medicare %	4.1%	3.9%	5.1%	2.3%	4.8%	2.3%	1.9%	2.5%	2.0%	0.9%	3.1%	2.0%	1.6%
Medicaid %	11.2%	9.7%	10.9%	9.6%	0.8%	0.0%	0.0%	0.0%	0.0%	0.0%	12.3%	14.7%	16.2%
Private %	84.7%	86.4%	84.0%	88.1%	95.2%	97.7%	98.1%	97.5%	98.0%	99.1%	84.6%	83.4%	82.2%
Revenue/Day	$174	$186	$204	$197	$208	$191	$186	$201	$205	$212	$161	$165	$176
Cost/Day	$226	$236	$244	$215	$176	$179	$176	$195	$197	$205	$130	$191	$182
Avg Length of Stay	141.9 days	114.1 days	150.2 days	186.1 days	110.4 days	201.8 days	214.2 days	184.9 days	229.3 days	294.2 days	78.4 days	112.6 days	108.1 days

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

Aged and Disabled Waiver

Indiana Medicaid A&D Waiver

General: Age 65+ or disabled, Indiana 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).

IN Specifics: Requires level-of-care determination.

CHOICE Program

Indiana CHOICE

General: Age 60+, Indiana resident, at risk of nursing home.

Income Limits: ~$2,000/month (varies).

Asset Limits: $10,000 (individual).

IN Specifics: Limited funding; regional variation.

Residential Care Assistance Program (RCAP)

Indiana Residential Care Assistance Program

General: Age 65+, or blind, or disabled, Indiana resident, in approved facility, low-income or SSI recipient.

Income Limits (2025): ~$1,004/month (including SSI).

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

IN Specifics: ~50 facilities statewide; per diem rate set by FSSA.

Medicare Savings Program (MSP)

Indiana Medicare Savings Program

General: Age 65+ or disabled, Indiana 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).

IN Specifics: Three tiers; no waitlist.

National Family Caregiver Support Program (NFCSP) Respite

Indiana NFCSP Respite Care

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

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

Asset Limits: Not assessed; need-based.

IN Specifics: 16 AAAs; prioritizes low-income, rural caregivers.

Senior Community Service Employment Program (SCSEP)

Indiana SCSEP

General: Age 55+, unemployed, low-income, Indiana resident.

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

Asset Limits: Not specified; income-focused.

IN Specifics: Priority for veterans, rural residents.

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

Indiana VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, Indiana 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).

IN Specifics: High veteran demand statewide.

River Terrace Health Care Center

River Terrace Health Care Center is a Nursing Home in Indiana

River Terrace Health Care… is a Nursing Home in Indiana

River Terrace Health Care Center

River Terrace Health Care Center is a Nursing Home in Indiana

River Terrace Health Care… is a Nursing Home in Indiana

Quality ratings

Capacity and availability

Smaller home

This home usually has availability

Who this home usually serves

Mostly short-term rehab stays

Breakdown by payment type

Medicare

Private pay

Medicaid

Finances and operations

About this community

Additional licensing details

Ownership & operating entity

Staffing

Leadership

Care Services

All Levels of Care

Contact Information

Amenities & Lifestyle

Programs & Activities

Inspection History

11 visits/inspections

Results

1 complaint

11 total citations

Inspection Reports

Compare Nursing Homes around Indiana

Places of interest near River Terrace Health Care Center

Calculate Travel Distance to River Terrace Health Care Center

Staffing Data

Nursing Staff Breakdown

Staff by Category

Contractor Analysis

Health Inspection History

Breakdown of citations

Citations history (last 3 years)

Facility Characteristics

Resident Census by Payment Source

Programs & Services

Family Engagement

Quality of care over time

Long-Stay Resident Measures

Daily care & independence

Safety & clinical stability

Emotional & behavioral wellbeing

Preventive care

Nutrition & physical health

Short-stay resident measures

Financial Trends

Occupancy Rate

Financial Performance

Payroll & Labor Costs

Payer Mix

Revenue vs Cost Per Patient Day

Guides for Better Senior Living

Eldertainment

Financial Aid for Indiana Seniors

Aged and Disabled Waiver

CHOICE Program

Residential Care Assistance Program (RCAP)

Medicare Savings Program (MSP)

National Family Caregiver Support Program (NFCSP) Respite

Senior Community Service Employment Program (SCSEP)

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

Touring Checklist for Senior Living

Location

Community Spaces and Overall Environment

Services

Staffing

Accommodations

Finances

Other Notes

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