River Terrace Health Care Center
Nursing Home · Indiana, IN
CMS overall rating Info The Overall CMS Rating is scored from 1 to 5 stars and combines results from health inspections, staffing levels, and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.

River Terrace Health Care Center

Nursing Home · Indiana, IN
CMS overall rating Info The Overall CMS Rating is scored from 1 to 5 stars and combines results from health inspections, staffing levels, and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
Calculator: See prices in your area
River Terrace Health Care Center accepts Medicare, Medicaid, and private pay.

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)

Overall rating Info The Overall CMS Rating combines results from health inspections, staffing levels and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
▲ 66.1% Above IN avg. ▲ 66.1% Above IN avg.Click the badge to see the full State ranking.Click here to see the full State ranking.
Health Inspection Info Based on the results of the facility's three most recent standard inspections and any complaint investigations. CMS reviews the number, scope, and severity of deficiencies, with more recent findings weighted more heavily.
▲ 83.2% Above IN avg. ▲ 83.2% Above IN avg.Click the badge to see the full State ranking.Click here to see the full State ranking.
Staffing Info Measures average nursing staff hours per resident per day, including Registered Nurses (RNs) and total nursing staff. Ratings are adjusted based on the level of care residents require and are compared to state and national benchmarks.
▲ 17.6% Above IN avg. ▲ 17.6% Above IN avg.Click the badge to see the full State ranking.Click here to see the full State ranking.
Quality Measures Info Based on clinical and physical health indicators reported to CMS, such as hospital readmissions, falls, pressure ulcers, and improvements in mobility. These measures reflect how well residents' health needs are being managed.
▼ 25.9% Below IN avg. ▼ 25.9% Below IN avg.Click the badge to see the full State ranking.Click here to see the full State ranking.

Staffing hours breakdown

Info Daily nursing hours per resident by staff type, reported to CMS. Higher is generally better — compare this facility to state and national averages to see where staffing stands.

Hours per resident per day — compared to Indiana state averages

Total nursing care / resident Info This home is ranked 48th out of 287 homes in Indiana. Total adjusted nursing hours per resident per day, combining RN, LPN, and aide time. CMS adjusts this for case-mix so facilities can be fairly compared.
4h 2m per day
Rank #48 / 287Nurse hours — State benchmarkedThis home is ranked 48th out of 287 homes in Indiana. Shows adjusted nurse hours per resident per day benchmarked to the Indiana average, with a ranking across 287 Indiana SNFs. More hours mean more direct care. The national average is about 3.5 hrs; below 3.0 is a red flag.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
This facility Indiana avg (3h 32m per day)
vs Indiana avg
+14%

4 of 6 metrics below state avg

Standout metric Weekend RN is +104% above state avg
Staff type Hours / Day / Resident vs state avg
Registered Nurse (RN) Info RNs hold the highest nursing license and can assess residents, interpret test results, and direct care plans. More RN hours per day often signals stronger clinical oversight and faster response to health changes. 1h 12m per day ▲ 80% State avg: 40m per day · National avg: 41m per day
LPN / LVN Info Licensed Practical Nurses (LPNs) or Licensed Vocational Nurses (LVNs) deliver routine hands-on care — medication administration, wound dressing, and monitoring vital signs. They work under RN supervision and make up a large share of daily bedside care. 9m per day ▼ 80% State avg: 46m per day · National avg: 52m per day
Nurse Aide Info Certified Nurse Aides (CNAs) provide the most direct day-to-day assistance: bathing, dressing, feeding, and mobility. Nurse aide hours are typically the largest staffing category and directly affect residents' quality of life. 2h 12m per day ▼ 3% State avg: 2h 16m per day · National avg: 2h 20m per day
Weekend Total Nursing Info Combined nursing hours (RN + LPN + Nurse Aide) per resident per day on weekends. Staffing often drops on weekends — this figure reveals whether the facility maintains adequate coverage outside of weekday hours. 3h 7m per day ▼ 4% State avg: 3h 14m per day · National avg: 3h 26m per day
Physical Therapist Info Hours per resident per day provided by licensed Physical Therapists (PTs) or PT Assistants. PT services help residents recover mobility after injury or illness and are especially important for post-acute (short-stay) rehabilitation. 3m per day ▼ 25% State avg: 4m per day · National avg: 4m per day
Weekend RN Info Registered nurse hours specifically on weekends. Facilities sometimes reduce RN presence on Saturdays and Sundays — a low weekend RN figure compared to weekday hours can indicate reduced clinical oversight when most administrative staff are absent. 55m per day ▲ 104% State avg: 27m per day · National avg: 28m per day

Capacity and availability

Avg. Length of Stay
108 days
Bed community size
94-bed community Rank #279 / 441Bed count — State benchmarkedThis home is ranked 279th out of 441 homes in Indiana. Shows this facility's certified or reported bed count compared to other Indiana SNFs. Larger communities may offer more amenities, programs, and on-site services for residents and families.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
A larger shared setting that may offer more common spaces and organized community services.
Years in operation
1 year in operation Rank #237 / 412Years in operation — State benchmarkedThis home is ranked 237th out of 412 homes in Indiana. Shows how long this facility has been in operation compared to other Indiana SNFs. Longer operating histories may benefit residents, families, and staff.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
A newer community that may feature more recent facilities and programs.
Walk Score
Walk Score: 76 / 100 Rank #34 / 588Walk Score — State benchmarkedThis home is ranked 34th out of 588 homes in Indiana. Shows how walkable this facility's neighborhood is compared to the average Walk Score across Indiana SNFs. Higher scores benefit residents, families, and staff.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Very walkable. Most errands can be accomplished on foot, and many essentials are within a short walk.

About this community

Occupancy

Occupancy rate
63%
Rank #253 / 433Occupancy rate — State benchmarkedThis home is ranked 253rd out of 433 homes in Indiana. Shows this facility's occupancy rate versus the Indiana average, with its Statewide rank out of 433. Higher occupancy signals strong local demand and financial stability.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Lower than the Indiana average: 68.1%
Occupied beds
59 / 94
Average residents per home in Indiana 70 per day

License Details

Facility TypeMixed Facility (nursing + Residential Care)
IssuanceJanuary 2, 2025
ExpirationJanuary 31, 2026
License Number25-003575-1
CMS Certification Number155726

Ownership & Operating Entity

River Terrace Health Care Center is legally operated by Adams County Memorial Hospital, and administrated by Mallory Zehr.

Profit StatusOther

Type Of Units

SNF/NF (Combined)
30 units
Residential
64 units
Total beds
94 units

Staffing

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

Leadership

Medical DirectorLloyd Williams
Director of NursingSHANA SCHAIBLE

Therapy & Rehabilitation

2 services
Rehabilitation Services
Short-Term Rehab

Additional Services

1 service
Short Term Rehabilitation

Contact Information

Fax(260) 824-8951

Amenities & Lifestyle

Dine With Friends
Hobbies Encouraged
Serene Outdoors
Celebrations
Chapel
Reading Nook

Contact River Terrace Health Care Center

Inspection History

In Indiana, the Department of Health, Division of Long Term Care is the primary regulatory body that performs onsite inspections and quality of care reviews for all licensed facilities.

Since 2022 · 4 years of data 18 deficiencies 1 complaint 23 inspections

Inspection Scorecard Info This scorecard compares key inspection, citation, and complaint metrics at this facility against the Indiana state average. Metrics rated ≥15% worse than average are highlighted in red; those ≥15% better are highlighted in green.

Since 2022 vs. Indiana state average
Overall vs. IN average 1 Worse Metrics worse than Indiana average:
• Total visits (21% above)
8 Better Metrics better than Indiana average:
• Total deficiencies (50% below)
• Deficiencies per year (50% below)
• Deficiencies per inspection (58% below)
• Inspections with deficiencies (14% below)
• Inspection deficiency rate (30% below)
• Inspections (8% below)
• Total complaints (80% below)
• Complaints per year (77% below)
Latest Inspection June 20, 2025 Complaint Investigation

Deficiencies Info Deficiencies are formal regulatory issues recorded during state inspections.

This Facility IN Average vs. IN Avg
Total deficiencies Info Formal regulatory issues recorded by inspectors across all inspection types. 18 36 This facility has 50% fewer total deficiencies than a typical Indiana nursing home (18 vs. IN avg 36).↓ 50% better
Deficiencies per year Info Average deficiencies per year since 2022. 4.5 9 This facility has 50% fewer deficiencies per year than a typical Indiana nursing home (4.5 vs. IN avg 9).↓ 50% better
Deficiencies per inspection Info Average deficiencies per inspection. 0.8 1.9 This facility has 58% fewer deficiencies per inspection than a typical Indiana nursing home (0.8 vs. IN avg 1.9).↓ 58% better

Inspections Info State inspections evaluate whether the facility meets health and safety standards.

This Facility IN Average vs. IN Avg
Total visits Info Combined count of all on-site visits — routine inspections, complaint visits, follow-ups, and other focused visits. 23 19 This facility has 21% more total visits than a typical Indiana nursing home (23 vs. IN avg 19).↑ 21% worse
Inspections with deficiencies Info Inspections that resulted in at least one regulatory deficiency. 6 7 This facility has 14% fewer inspections with deficiencies than a typical Indiana nursing home (6 vs. IN avg 7).↓ 14% better
Inspection deficiency rate Info Percentage of inspections that resulted in at least one deficiency. 26% 37% This facility has 11 percentage points lower inspection deficiency rate than a typical Indiana nursing home (26% vs. IN avg 37%).↓ 11% better
Inspections Info Routine, scheduled inspections conducted by state regulators. 12 13 This facility has 8% fewer inspections than a typical Indiana nursing home (12 vs. IN avg 13).↓ 8% better

Complaints & Investigations Info Complaints are formal concerns filed by residents, families, or staff. Investigations are on-site follow-ups.

This Facility IN Average vs. IN Avg
Total complaints Info Formal expressions of concern made by residents, families, or staff. 1 5 This facility has 80% fewer total complaints than a typical Indiana nursing home (1 vs. IN avg 5).↓ 80% better
Complaints per year Info Average complaints per year since 2022. 0.3 1.3 This facility has 77% fewer complaints per year than a typical Indiana nursing home (0.3 vs. IN avg 1.3).↓ 77% better

Inspection Reports Summary Info An editor-reviewed summary of the themes and findings across this facility's recent inspection reports.

The most recent inspection on June 20, 2025, was a complaint investigation and found no deficiencies related to the allegations. Earlier inspections showed a pattern of deficiencies primarily involving emergency preparedness, life safety code compliance, and medication documentation. Prior reports cited issues such as failure to conduct required emergency drills and training, incomplete testing and maintenance records for safety equipment, and medication labeling and monitoring errors. Complaint investigations were generally unsubstantiated or found no deficiencies related to the allegations, with one substantiated complaint not resulting in cited deficiencies. The facility’s inspection history shows some improvement in emergency preparedness and life safety compliance in recent follow-up surveys after earlier citations.

Read the full inspection reports for this facility, including detailed findings and corrective actions.

Show Inspection Reports

Health Inspection History

Inspections since 2023
Total health inspections 3

Indiana average 6


Last Health inspection on Jan 2025

Total health citations
4 Rank #7 / 288Health citations — State benchmarkedThis home is ranked 7th out of 288 homes in Indiana. Shows this facility's total health deficiency citations benchmarked to the Indiana State average, with a ranking across all 288 IN SNFs. Lower citation counts earn a better rank.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Indiana average 25

Citations per inspection
1.33 Rank #6 / 288Citations per inspection — State benchmarkedThis home is ranked 6th out of 288 homes in Indiana. Shows average deficiency citations per CMS inspection for this facility versus the Indiana mean across 288 SNFs with citation data. Lower is better.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Indiana average 4.12


Health citations are formal notices following inspections when they fail to comply with safety and care standards.

All 4 citations resulted from standard inspections.

Breakdown of citation severity (last 3 years)
Critical Health citations
0
100% better than Indiana average

Indiana average: 0.2


Serious Health citations
0
100% better than Indiana average

Indiana average: 0.6

0 critical citations Indiana average: 0.2

0 serious citations Indiana average: 0.6

4 moderate citations Indiana average: 23.8

0 minor citations Indiana average: 0.4
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

Staffing Data

Reporting period: October 1 – December 31, 2025 (Q4 2025). Source: CMS Payroll-Based Journal report.

Total staff 98
Employees 88
Contractors 10
Staff to resident ratio 3.50:1
3499900% better than Indiana average
Indiana average ratio: 0.00:1 Indiana average ratio: 0.00:1See full Indiana ranking
Avg staff/day 22
Average shift 6.8 hours
12% worse than Indiana average
Indiana average: 7.7 hours Indiana average shift: 7.7 hoursSee full Indiana ranking
Total staff hours (quarter) 13,731

Nursing staff breakdown

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.
Registered Nurse

Manages medical care and health needs.

RN Staff 18
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 7.9 hours

This role is partially covered by contractors.

Licensed Practical Nurse

Assists with medical care and medications.

LPN Staff 6
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 5.5 hours

This role is partially covered by contractors.

Certified Nursing Assistant

Helps with daily care and mobility.

CNA Staff 44
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 6.4 hours

This role is partially covered by contractors.

Contractor staffing

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.

Total hours from contractors

1.7%

233 contractor hours this quarter

Registered Nurse: 5 Certified Nursing Assistant: 4 Licensed Practical Nurse: 1

Staff by category

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.
Certified Nursing Assistant 40 4 44 5,293 92 100% 6.4
Registered Nurse 13 5 18 1,877 92 100% 7.9
Other Dietary Services Staff 3 0 3 1,337 91 99% 7.2
Therapeutic Recreation Specialist 2 0 2 709 67 73% 6.1
Clinical Nurse Specialist 2 0 2 620 59 64% 7.8
Medication Aide/Technician 9 0 9 595 66 72% 7
Licensed Practical Nurse 5 1 6 493 73 79% 5.5
Mental Health Service Worker 1 0 1 487 61 66% 8
Dietitian 1 0 1 478 62 67% 7.7
Nurse Practitioner 1 0 1 475 60 65% 7.9
Administrator 1 0 1 464 58 63% 8
RN Director of Nursing 1 0 1 449 55 60% 8.2
Respiratory Therapist 2 0 2 177 48 52% 3.7
Physical Therapy Assistant 3 0 3 144 44 48% 3.3
Qualified Social Worker 1 0 1 75 39 42% 1.9
Respiratory Therapy Technician 3 0 3 59 22 24% 2.7
44 Certified Nursing Assistant
% of Days 100%
18 Registered Nurse
% of Days 100%
3 Other Dietary Services Staff
% of Days 99%
2 Therapeutic Recreation Specialist
% of Days 73%
2 Clinical Nurse Specialist
% of Days 64%
9 Medication Aide/Technician
% of Days 72%
6 Licensed Practical Nurse
% of Days 79%
1 Mental Health Service Worker
% of Days 66%
1 Dietitian
% of Days 67%
1 Nurse Practitioner
% of Days 65%
1 Administrator
% of Days 63%
1 RN Director of Nursing
% of Days 60%
2 Respiratory Therapist
% of Days 52%
3 Physical Therapy Assistant
% of Days 48%
1 Qualified Social Worker
% of Days 42%
3 Respiratory Therapy Technician
% of Days 24%

Penalties and fines

Federal penalties imposed by CMS for regulatory violations, including civil money penalties (fines) and denials of payment for new Medicare/Medicaid admissions.

Source: CMS Penalties Database

No penalties in the past 3 years

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

Quality of care over time

These measures show how residents usually do over time at this home, based on health outcomes and preventive care.

High-risk clinical events score Info A composite score based on pressure ulcers, falls with injury, weight loss, walking ability decline, and activities of daily living decline. 11.5
43% worse than Indiana average

Indiana average: 8.0

Functional decline score Info A composite score based on activities of daily living decline, walking ability decline, and incontinence. 24.2
42% worse than Indiana average

Indiana average: 17.1

Long-stay resident measures
Average Indiana avg: 4.1 Info CMS star rating based on long-stay quality measure performance. 5 stars = significantly above average, 1 star = significantly below average.
Need for Help with Daily Activities Increased Info Percent of long-stay residents whose need for help with daily activities has increased 16.9%
40% worse than Indiana average

Indiana average: 12.0%

Walking Ability Worsened Info Percent of long-stay residents whose ability to move independently worsened 27.3%
91% worse than Indiana average

Indiana average: 14.4%

Low Risk Residents with Bowel/Bladder Incontinence Info Percent of low risk long-stay residents who lose control of their bowels or bladder 28.4%
16% worse than Indiana average

Indiana average: 24.6%

Falls with Major Injury Info Percent of long-stay residents experiencing one or more falls with major injury 3.9%
In line with Indiana average

Indiana average: 3.9%

High Risk Residents with Pressure Ulcers Info Percent of long-stay high risk residents with pressure ulcers 4.8%
10% worse than Indiana average

Indiana average: 4.4%

Urinary Tract Infection Info Percent of long-stay residents with a urinary tract infection 7.8%
545% worse than Indiana average

Indiana average: 1.2%

Lost Too Much Weight Info Percent of long-stay residents who lose too much weight 4.4%
22% better than Indiana average

Indiana average: 5.7%

Depressive Symptoms Info Percent of long-stay residents who have depressive symptoms 7.2%
70% better than Indiana average

Indiana average: 24.1%

Antipsychotic Use Info Percent of long-stay residents who received an antipsychotic medication 7.1%
43% better than Indiana average

Indiana average: 12.4%

Pneumococcal Vaccine Info Percent of long-stay residents assessed and appropriately given the pneumococcal vaccine 98.0%
5% better than Indiana average

Indiana average: 93.7%

Influenza Vaccine Info Percent of long-stay residents assessed and appropriately given the seasonal influenza vaccine 100.0%
5% better than Indiana average

Indiana average: 95.4%

Short-stay resident measures
Pneumococcal Vaccine Info Percent of short-stay residents assessed and appropriately given the pneumococcal vaccine 93.1%
14% better than Indiana average

Indiana average: 81.7%

Antipsychotic medication increase Info Percent of short-stay residents who newly received an antipsychotic medication 0.0%
100% better than Indiana average

Indiana average: 1.4%

Influenza Vaccine Info Percent of short-stay residents assessed and appropriately given the seasonal influenza vaccine 92.3%
17% better than Indiana average

Indiana average: 79.0%

Falls with major injury Info Percentage of SNF residents who experience falls with major injury during their stay. 0.0%
100% better than Indiana average

Indiana average: 0.8%

Successful return to home or community Info Rate of successful return to home or community from a skilled nursing facility. 54.2%
7% better than Indiana average

Indiana average: 50.6%

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

Facility Characteristics

Source: CMS Long-Term Care Facility Characteristics (Data as of Jan 2026)

Total residents 28
Medicare
2
7.1% of residents
Medicaid
21
75% of residents
Private pay or other
5
17.9% of residents
Programs & Services
Residents Group

Residents meet regularly to discuss policies, care quality, and activities

CCRC

Part of a Continuing Care Retirement Community offering multiple care levels

Active Resident Council

Organized group of residents that meets regularly to discuss facility policies, quality of life, and activities.

Finances and operations

Governmental community
Operated by county authorities.
Home revenue
$7.0M
Surplus of revenue
$284.3K
Governmental community Operated by county authorities.
Home revenue
$7.0M Rank #224 / 290Revenue — State benchmarkedThis home is ranked 224th out of 290 homes in Indiana. Shows this facility's annual revenue compared to the Indiana SNF average. Higher revenue generally means more resources for staffing and capital — read alongside Payroll %.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Surplus of revenue
$284.3K
Payroll costs Info The portion of the home's budget spent on staff, including nurses, caregivers, and other employees who support care and operations. Rank #246 / 290Payroll — State benchmarkedThis home is ranked 246th out of 290 homes in Indiana. Shows total annual staff payroll benchmarked to the Indiana average. Higher payroll investment relative to peers often signals better staffing and less reliance on cheaper contract labor.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
$3.2M
45.8% of revenue Rank #186 / 290Payroll % — State benchmarkedThis home is ranked 186th out of 290 homes in Indiana. Shows payroll as a percentage of revenue versus the Indiana average. Well-run Indiana SNFs typically land around 54–68% — the top third Statewide. Below 25% may signal understaffing or heavy agency use — read with Staffing ratings.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Other operating costs Info All remaining costs needed to run the home, such as food, utilities, building maintenance, supplies and administrative expenses.
$3.5M
Total costs $6.7M

Who this home usually serves

TYPE OF STAY

Mostly short-term rehab stays

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

Places of interest near River Terrace Health Care Center

Address 0.0 miles from city center Info Estimated distance in miles from Bluffton's city center to River Terrace Health Care Center's address, calculated via Google Maps.

Calculate Travel Distance to River Terrace Health Care Center

Add your location

Address

Financial Assistance for
Nursing Home in Indiana

River Terrace Health Care Center is located in BLUFFTON, Indiana.
Here are the financial assistance programs available to residents in Indiana.

Get Financial aid guidance

Aged and Disabled Waiver

Indiana Medicaid A&D Waiver

Age 65+ or disabled
General 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

Requires level-of-care determination.

Benefits
Personal care (5-7 hours/day) Respite (240 hours/year) Adult day care (~$60/day) Home health services

CHOICE Program

Indiana CHOICE

Age 60+
General Indiana resident, at risk of nursing home.
Income Limits ~$2,000/month varies
Asset Limits $10,000 individual
IN

Limited funding; regional variation.

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

Residential Care Assistance Program (RCAP)

Indiana Residential Care Assistance Program

Age 65+
General 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

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

Benefits
Room/board Laundry Minimal care coordination (~$20-$50/day subsidy)

Medicare Savings Program (MSP)

Indiana Medicare Savings Program

Age 65+ or disabled
General 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

Three tiers; no waitlist.

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

National Family Caregiver Support Program (NFCSP) Respite

Indiana NFCSP Respite Care

Age
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

16 AAAs; prioritizes low-income, rural caregivers.

Benefits
Respite (4-6 hours/week or 5 days/year) Adult day care ($60/day) Caregiver training

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

Indiana VA Aid and Attendance/Housebound

Age 65+ or disabled veteran/spouse
General 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

High veteran demand statewide.

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

Compare Nursing Home around Indiana

The information below is reported by the Indiana Department of Health, Division of Long Term Care.

5 facilities compared · CMS & IN Dept. of Health data

Filter by care type
River Terrace Health Care Center
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.

Bluffton 94 62.8% -10% 4.03 +88% +17% $0 4 1.3 - 28 - 76 Adams County Memorial Hospital $7.0M $3.2M 45.8% 155726
Saint Anne Home and Retirement Community
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.

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.

Fort Wayne 278 73.7% +6% 4.45 +9% +29% $0 19 3.2 - 116 - 55 Melanie Bajorek $15.5M $12.8M 82.8% 155349
Morning Breeze Retirement Community & Healthcare Center
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.

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.

Greensburg 86 75.6% +9% 3.36 -9% -2% $0 13 3.3 - 55 A- 50 Holly Cole $8.4M $3.8M 45.4% 155675
Canterbury Nursing and Rehabilitation Center
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.

HC

Home Care Professional care delivered in the person's own home — from companionship and errands to skilled nursing and therapy. Allows seniors to age in place. Medicare covers skilled home health when medically necessary.

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.

Fort Wayne 142 66.9% -4% 3.06 +51% -11% $0 14 2.3 - 111 A+ 62 Meeta Anand $13.8M $6.8M 49.5% 155656
Peabody Retirement Community
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.

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.

North Manchester 336 67.6% -3% 3.63 -42% +6% $33.5k 33 3.7 3 176 A+ 22 The Estelle Peabody Memorial Home Of The Synod Of Lincoln Trails Of Un $31.6M $14.7M 46.4% 155655

Frequently Asked Questions about River Terrace Health Care Center

Who is the Director of Nursing at River Terrace Health Care Center?

Shana Schaible is the Director of Nursing at River Terrace Health Care Center.

Who is the owner of River Terrace Health Care Center?

The legal owner and operator of River Terrace Health Care Center is Adams County Memorial Hospital.

Is River Terrace Health Care Center in a walkable area?

River Terrace Health Care Center has a walk score of 76. Very walkable. Most errands can be accomplished on foot, and many essentials are within a short walk.

What is the license number of River Terrace Health Care Center?

According to IN state health department records, River Terrace Health Care Center's license number is 25-003575-1.

When does River Terrace Health Care Center's license expire?

According to IN state health department records, River Terrace Health Care Center's license expires on January 31, 2026.

What is the occupancy rate at River Terrace Health Care Center?

River Terrace Health Care Center's occupancy is 63%.

Who is the administrator of River Terrace Health Care Center?

Mallory Zehr is the administrator of River Terrace Health Care Center.

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

Explore Open Rooms
1 Contact details
2 What type of senior care service are you looking for?
3 What budget do you have in mind for senior care?
4 How soon do you need to find care?
5 Additional details

Thank you for your interest!

Our team will be in touch shortly to help with next steps.