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River Terrace Health Care Center
Nursing Home, Assisted Living, Independent Living, Memory Care & Respite Care · Bluffton, IN
CMS overall rating Info CMS (the Centers for Medicare & Medicaid Services) is the federal agency that rates nursing home quality. Its Overall Rating runs from 1 to 5 stars, combining health inspections, staffing, and quality measures, with inspections weighted most heavily.
Bright dining area with tables and chairs View from a balcony overlooking fall foliage Empty activity room set up for a presentation A resident enjoying a drink with staff in the dining area Resident interacting with a therapy dog in a common area An elderly woman engaged in a craft activity indoors Close-up of a birthday cake being cut

River Terrace Health Care Center

Nursing Home, Assisted Living, Independent Living, Memory Care & Respite Care · Bluffton, IN
CMS overall rating Info CMS (the Centers for Medicare & Medicaid Services) is the federal agency that rates nursing home quality. Its Overall Rating runs from 1 to 5 stars, combining health inspections, staffing, and quality measures, with inspections weighted most heavily.
400 Caylor Blvd, Bluffton, IN 46714 View map Calculator: See prices in your area
River Terrace Health Care Center accepts Medicare, Medicaid, and private pay.
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River Terrace Health Care Center accepts Medicare, Medicaid, and private pay.

Overview of River Terrace Health Care Center

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River Terrace Health Care Center is a 94-bed nursing home on Caylor Boulevard in Bluffton, Indiana. Run by Adams County Memorial Hospital, this facility has been open for just over a year and stays about 63 percent full. It takes Medicare, Medicaid, and private pay, with residents staying an average of 108 days for either short-term rehab or long-term nursing care.

Residents receive about 4 hours and 2 minutes of direct nursing care each day, which includes 1 hour and 9 minutes from registered nurses. The building houses a chapel, a reading area, hobby rooms, and outdoor spaces, and the dining setup is arranged to let residents eat together. Getting around the neighborhood on foot is easy, as the location has a 76 out of 100 walkability score.

On the regulatory side, state inspectors have looked closely at the facility’s emergency preparedness and paperwork habits, and the staff uses corrective plans to keep these areas up to code. Older adults can get in touch with the admissions office to check on open rooms, ask about the rehab programs, or set up a time to look around.

Facility Direct Line (260) 824-8940
Facility Direct Line (260) 824-8940
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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.
▲ 62.1% Above IN avg. ▲ 62.1% Above IN avg.IN average: 3.1Click 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.
▲ 78.1% Above IN avg. ▲ 78.1% Above IN avg.IN average: 2.8Click 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.
▲ 22.0% Above IN avg. ▲ 22.0% Above IN avg.IN average: 2.5Click 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.
▼ 51.1% Below IN avg. ▼ 51.1% Below IN avg.IN average: 4.1Click 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 50th out of 291 homes in Indiana for nurse hours. 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 #50 / 291Nurse hours — State benchmarkedThis home is ranked 50th out of 291 homes in Indiana. Shows adjusted nurse hours per resident per day benchmarked to the Indiana average, with a ranking across 291 Indiana facilities. More hours mean more direct care. The national average is about 3.5 hrs; below 3.0 is a red flag.Rankings are based only on facilities in Indiana that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
This facility Indiana avg (3h 26m per day)
vs Indiana avg
+17%

3 of 6 metrics below state avg

Standout metric Weekend RN is +77% above state avg
Staff typeHours / Day / Residentvs 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 9m per day ▲ 72% 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. 22m per day ▼ 53% 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 16m per day ■ Avg 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 9m per day ▼ 3% 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. 1m per day ▼ 66% 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. 48m per day ▲ 77% 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 #272 / 437Bed count — State benchmarkedThis home is ranked 272nd out of 437 homes in Indiana. Shows this facility's certified or reported bed count compared to other Indiana facilities. Larger communities may offer more amenities, programs, and on-site services for residents and families.Rankings are based only on facilities in Indiana that report data for that category. Facilities without available data are excluded from the ranking.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 #130 / 378Years in operation — State benchmarkedThis home is ranked 130th out of 378 homes in Indiana. Shows how long this facility has been in operation compared to other Indiana facilities. Longer operating histories may benefit residents, families, and staff.Rankings are based only on facilities in Indiana that report data for that category. Facilities without available data are excluded from the ranking.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 / 587Walk Score — State benchmarkedThis home is ranked 34th out of 587 homes in Indiana. Shows how walkable this facility's neighborhood is compared to the average Walk Score across Indiana facilities. Higher scores benefit residents, families, and staff.Rankings are based only on facilities in Indiana that report data for that category. Facilities without available data are excluded from the ranking.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 #252 / 434Occupancy rate — State benchmarkedThis home is ranked 252nd out of 434 homes in Indiana. Shows this facility's occupancy rate versus the Indiana average, with its Statewide rank out of 434. Higher occupancy signals strong local demand and financial stability.Rankings are based only on facilities in Indiana that report data for that category. Facilities without available data are excluded from the ranking.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 occupied beds in Indiana homes 70 beds

License Details

Facility TypeNursing Home / Skilled Nursing Facility / Nursing Facility Dually Certified
StatusActive
IssuanceFebruary 1, 2025
ExpirationJanuary 31, 2027
License Number25-003575-1
CMS Certification Number155726

Ownership & Operating Entity

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

Profit StatusGovernment

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 24 deficiencies 1 complaint 23 inspections
Inspection Score Info A composite 0–100 score combining this facility's inspections, deficiencies, complaints, and enforcement actions relative to the Indiana state average. The score below shows how many points this facility sits above or below the typical Indiana assisted living residence score (the benchmark); higher is better.

10 points above the Indiana average for assisted living residences (83/100)

Rank #53 / 384 in Indiana Inspection Score — State benchmarked This home is ranked 53rd out of 384 homes in Indiana. Shows this facility's inspection score compared to the Indiana average among 384 comparable communities in the ranking pool. Rankings are based only on facilities in Indiana that report data for that category. Facilities without available data are excluded from the ranking. Inspection score: 93 out of 100. Letter grade A. 10 points above the Indiana average for assisted living residences (83/100)

Inspection Scorecard Info This scorecard compares key inspection, deficiency, 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 (33% below)
• Deficiencies per year (33% below)
• Deficiencies per inspection (47% 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 December 4, 2025 Complaint Investigation

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

This FacilityIN Averagevs. IN Avg
Total deficiencies Info Formal regulatory issues recorded by inspectors across all inspection types. 2436 This facility has 33% fewer total deficiencies than a typical Indiana assisted living residence (24 vs. IN avg 36).↓ 33% better Rank #147 / 386 Total deficiencies — State benchmarked This home is ranked 147th out of 386 homes in Indiana. Shows this facility's deficiencies compared to the Indiana average among 386 comparable communities in the ranking pool. Rankings are based only on facilities in Indiana that report data for that category. Facilities without available data are excluded from the ranking.
Deficiencies per year Info Average deficiencies per year since 2022. 69 This facility has 33% fewer deficiencies per year than a typical Indiana assisted living residence (6 vs. IN avg 9).↓ 33% better
Deficiencies per inspection Info Average deficiencies per inspection. 11.9 This facility has 47% fewer deficiencies per inspection than a typical Indiana assisted living residence (1 vs. IN avg 1.9).↓ 47% better Rank #136 / 386 Deficiencies per inspection — State benchmarked This home is ranked 136th out of 386 homes in Indiana. Shows this facility's deficiencies per inspection compared to the Indiana average among 386 comparable communities in the ranking pool. Rankings are based only on facilities in Indiana that report data for that category. Facilities without available data are excluded from the ranking.

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

This FacilityIN Averagevs. IN Avg
Total visits Info Combined count of all on-site visits — routine inspections, complaint visits, follow-ups, and other focused visits. 2319 This facility has 21% more total visits than a typical Indiana assisted living residence (23 vs. IN avg 19).↑ 21% worse
Inspections with deficiencies Info Inspections that resulted in at least one regulatory deficiency. 67 This facility has 14% fewer inspections with deficiencies than a typical Indiana assisted living residence (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 assisted living residence (26% vs. IN avg 37%).↓ 11% better
Inspections Info Routine, scheduled inspections conducted by state regulators. 1213 This facility has 8% fewer inspections than a typical Indiana assisted living residence (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 FacilityIN Averagevs. IN Avg
Total complaints Info Formal expressions of concern made by residents, families, or staff. 15 This facility has 80% fewer total complaints than a typical Indiana assisted living residence (1 vs. IN avg 5).↓ 80% better Rank #1 / 352 Total complaints — State benchmarked This home is ranked 1st out of 352 homes in Indiana. Shows this facility's total complaints compared to the Indiana average among 352 comparable communities in the ranking pool. Rankings are based only on facilities in Indiana that report data for that category. Facilities without available data are excluded from the ranking.
Complaints per year Info Average complaints per year since 2022. 0.31.3 This facility has 77% fewer complaints per year than a typical Indiana assisted living residence (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, found no deficiencies related to the complaint investigated, confirming compliance with applicable regulations.
  • The January 24, 2025 Life Safety Code survey cited five deficiencies including failure to conduct required emergency plan exercises and issues with emergency lighting and door release.
  • The January 10, 2025 annual inspection found two deficiencies in medication labeling and catheter output documentation, with corrective actions planned to address these issues.
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 / 292Health citations — State benchmarkedThis home is ranked 7th out of 292 homes in Indiana. Shows this facility's total health deficiency citations benchmarked to the Indiana State average, with a ranking across all 292 IN facilities. Lower citation counts earn a better rank.Rankings are based only on facilities in Indiana that report data for that category. Facilities without available data are excluded from the ranking.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 / 292Citations per inspection — State benchmarkedThis home is ranked 6th out of 292 homes in Indiana. Shows average deficiency citations per CMS inspection for this facility versus the Indiana mean across 292 facilities with citation data. Lower is better.Rankings are based only on facilities in Indiana that report data for that category. Facilities without available data are excluded from the ranking.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

Data sourced from CMS Health Deficiencies reports. Citation severity codes range from A (least serious) to L (most serious). Immediate Jeopardy (J-L) citations indicate situations where the facility's noncompliance has placed residents at risk of death or serious harm.

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% more staff per resident 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 Info 18 total: 13 full-time employees and 5 contractors. 18
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 7.9 hours
Licensed Practical Nurse

Assists with medical care and medications.

LPN Staff Info 6 total: 5 full-time employees and 1 contractor. 6
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 5.5 hours
Certified Nursing Assistant

Helps with daily care and mobility.

CNA Staff Info 44 total: 40 full-time employees and 4 contractors. 44
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 6.4 hours

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 Assistant404445,29392100%6.4
Registered Nurse135181,87792100%7.9
Other Dietary Services Staff3031,3379199%7.2
Therapeutic Recreation Specialist2027096773%6.1
Clinical Nurse Specialist2026205964%7.8
Medication Aide/Technician9095956672%7
Licensed Practical Nurse5164937379%5.5
Mental Health Service Worker1014876166%8
Dietitian1014786267%7.7
Nurse Practitioner1014756065%7.9
Administrator1014645863%8
RN Director of Nursing1014495560%8.2
Respiratory Therapist2021774852%3.7
Physical Therapy Assistant3031444448%3.3
Qualified Social Worker101753942%1.9
Respiratory Therapy Technician303592224%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%
View All Staffing Data in Bluffton

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%

Quality measures are calculated from Minimum Data Set (MDS) assessments. For most measures, lower percentages indicate better care quality.

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.

Data sourced from CMS Long-Term Care Facility Characteristics quarterly report. Payer mix reflects the current resident census by primary payment source.

Finances and operations

Based on CMS SNF Cost Report for fiscal year ending in 12/2023.

Government
Operated by federal authorities.
Net patient revenue Info Net patient revenue — what the home actually collects for resident care, after contractual allowances, bad debt and discounts are subtracted from its gross charges (CMS cost report, Worksheet G-3). It covers resident care only; money the home earns from other sources is shown separately as "Other income."
$6.0M
Net patient income Info Net patient income: net patient revenue minus the home's total operating expenses. A positive figure means it earns more from resident care than it spends to deliver it; a negative figure means the opposite. It excludes non-operating "other income."
-$216.5K
Government Operated by federal authorities.
Net patient revenue Info Net patient revenue — what the home actually collects for resident care, after contractual allowances, bad debt and discounts are subtracted from its gross charges (CMS cost report, Worksheet G-3). It covers resident care only; money the home earns from other sources is shown separately as "Other income."
$6.0M Rank #226 / 294Revenue — State benchmarkedThis home is ranked 226th out of 294 homes in Indiana. Shows this facility's annual revenue compared to the Indiana average. Higher revenue generally means more resources for staffing and capital — read alongside Payroll %.Rankings are based only on facilities in Indiana that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Net patient income Info Net patient income: net patient revenue minus the home's total operating expenses. A positive figure means it earns more from resident care than it spends to deliver it; a negative figure means the opposite. It excludes non-operating "other income."
-$216.5K
Other income Info Money the home earns outside of resident care — such as investments, grants, rentals and other non-operating sources (CMS cost report, Worksheet G-3). It is tracked separately from net patient revenue: it is not part of that figure, and it is not included in net patient income.
$500.8K
Payroll costs Info Staff salaries plus wage-related costs — benefits such as payroll taxes, health insurance and retirement — from the home's own accounting records (CMS cost report, Worksheet A). Contract or agency labor is counted separately, under other operating costs. Rank #248 / 294Payroll — State benchmarkedThis home is ranked 248th out of 294 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.Rankings are based only on facilities in Indiana that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
$2.7M 44.8% of net patient revenue Info Payroll as a share of revenue: staff salaries and wage-related benefits divided by net patient revenue. A higher figure means more of each revenue dollar goes to staff pay. Rank #191 / 294Payroll % — State benchmarkedThis home is ranked 191st out of 294 homes in Indiana. Shows payroll as a percentage of revenue versus the Indiana average. Well-run Indiana facilities typically land around 54–68% — the top third Statewide. Below 25% may signal understaffing or heavy agency use — read with Staffing ratings.Rankings are based only on facilities in Indiana that report data for that category. Facilities without available data are excluded from the ranking.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Other operating costs Info Everything it costs to run the home apart from payroll — food, utilities, supplies, maintenance, contract labor and administration. Calculated as total operating expense minus payroll (staff salaries and wage-related benefits).
$3.5M
Total costs Info The home's total operating expense for the year — all the costs of running it, salaries included (CMS cost report, Worksheet G-3).
$6.2M
How we calculate these figures

This home is administered by Mallory Zehr.

Certified by the Centers for Medicare & Medicaid Services authority — CMS Certification Number: 155726

Show certification details

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.

New residents most often arrive under Medicare (48% of admissions), and a typical Medicare stay runs around 14 days.

Admissions
79 total

Coverage residents most often arrive under.

Medicare 48%
Private pay 38%
Medicaid 14%
Discharges
123 total

Coverage residents most often leave under.

Medicare 13%
Private pay 63%
Medicaid 24%

Admissions and discharges reflect care patterns over time — they are not used to rate this facility.

How we assess these insights

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.

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Address

Financial Assistance for
Assisted Living 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)

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?

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

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, 2027.

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

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

Is River Terrace Health Care Center a government-operated facility?

River Terrace Health Care Center is a government-operated nursing facility in IN.

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