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River Terrace Health Care Center
Nursing Home, Assisted Living, Independent Living, Memory Care, Respite Care & Skilled Nursing · 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

River Terrace Health Care Center

Nursing Home, Assisted Living, Independent Living, Memory Care, Respite Care & Skilled Nursing · 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
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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, situated in Bluffton, Indiana, accommodates a range of senior care needs across independent living, assisted living, memory care, nursing home care, skilled nursing, and respite options. Assisted living residents receive help with personal care tasks such as bathing, dressing, and managing medication while occupying private apartments. Independent living offers residential space paired with community services, while memory care provides a secured area structured for individuals prone to wandering. Temporary rehabilitation stays are available on site alongside short-term respite coverage.

Operating as a 94-bed campus, the center is managed by operator Adams County Memorial Hospital and administrator Mallory Zehr. Daily nurse staffing averages 3 hours and 20 minutes per resident. A walk score of 76 indicates a highly walkable surrounding area where routine errands can be managed on foot. Financial arrangements accept Medicare, Medicaid, and private payment depending on eligibility and room type.

Families looking for long-term living or short-term rehab solutions can reach out to River Terrace Health Care Center to ask about admission criteria, tour the campus, or check current apartment availability.

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.
▼ 26.6% Below IN avg. ▼ 26.6% 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 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 vs Indiana averages

Rank #137 / 276Nurse hours — State benchmarkedThis nursing home is ranked 137th out of 276 nursing homes we track in Indiana for nurse hours. Shows adjusted nurse hours per resident per day benchmarked to the Indiana average, with a ranking across 276 Indiana facilities. More hours mean more direct care. The national average is about 3.5 hrs; below 3.0 is a red flag.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Indiana that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Total nursing care Info This nursing home is ranked 137th out of 276 nursing homes we track 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.

3h 20m

3% below 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.
49m
+23% 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.
33m
−28% 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.
1h 58m
−13% 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.
2h 48m
−14% 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.
2m
−62% 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.
41m
+50% State avg: 27m per day · National avg: 28m per day

4 of 6 metrics below state avg

Standout metric: Weekend RN is +50% above Indiana average

By The Numbers

Community insights.

Bed count Info A smaller, more intimate setting that may offer a quieter environment and closer staff-resident interactions. 94 Rank #179 / 277Bed count — State benchmarkedThis nursing home is ranked 179th out of 277 nursing homes we track in Indiana for bed count. 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.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Indiana that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Smaller home · May offer a more intimate, personalized care environment.

Years of operating Info A newer community that may feature more recent facilities and programs. This is the number of years in operation under current management. Rank #137 / 248Years in operation — State benchmarkedThis nursing home is ranked 137th out of 248 nursing homes we track in Indiana for years in operation. Shows how long this facility has been in operation compared to other Indiana facilities. Longer operating histories may benefit residents, families, and staff.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Indiana that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
1 year
Walk Score Info Very walkable. Most errands can be accomplished on foot, and many essentials are within a short walk. Rank #24 / 269Walk Score — State benchmarkedThis nursing home is ranked 24th out of 269 nursing homes we track in Indiana for walk score. Shows how walkable this facility's neighborhood is compared to the average walk score across Indiana facilities. Higher scores benefit residents, families, and staff.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Indiana that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
76 / 100
Occupancy rate Info Occupancy lower than 85% suggests more openings may be available. Rank #156 / 267Occupancy rate — State benchmarkedThis nursing home is ranked 156th out of 267 nursing homes we track in Indiana for occupancy. Shows this facility's occupancy rate versus the Indiana average, with its Statewide rank out of 267. Higher occupancy signals strong local demand and financial stability.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Indiana that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
62.8% This home usually has availability
Lower than the Indiana average: 66.5%
Occupied beds
59 / 94
Avg. Length of Stay Info Average number of days residents stay at this facility, based on CMS cost report data. Shorter stays often reflect post-acute or rehab care; longer stays reflect long-term care.
108 days

About this community

License Details

Facility TypeMixed Facility (Nursing + Residential Care)
StatusActive
IssuanceJanuary 2, 2025
ExpirationJanuary 31, 2027
License Number26-003575-1
CMS Certification Number155726

Ownership & Operating Entity

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

Profit StatusGovernment

Type Of Units

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

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

Additional Policies & Features

Pets not allowed

Amenities & Lifestyle

Chapel
Celebrations
Reading Nook

Contact River Terrace Health Care Center

This profile shows two inspection records, and their totals often differ. Inspection History and the Inspection Scorecard below are state data — the figures the state publishes and the state inspection reports we hold on file — covering the entire facility. CMS Health Inspection History covers only this home's Medicare and Medicaid-certified nursing beds, from federal certification surveys.

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.

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.

Overall vs. IN average 0 Worse No metrics in this bucket. 3 Better Metrics better than Indiana average:
• Total deficiencies (45% below)
• Substantiated complaints (80% below)
• Inspection deficiency rate (37% below)

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. 1833.0 This facility has 45% fewer total deficiencies than a typical Indiana nursing home (18 vs. IN avg 33).↓ 45% better
Deficiencies per inspection Info Average deficiencies per inspection. 0.81.8 This facility has had 56% fewer deficiencies per inspection than the Indiana average (0.8 vs. IN avg 1.8). More inspections can mean more regulatory scrutiny rather than worse care.↓ 56% fewer
Substantiated complaints Info Complaints the state investigated and upheld. 15.0 This facility has 80% fewer substantiated complaints than a typical Indiana nursing home (1 vs. IN avg 5).↓ 80% better

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

This FacilityIN Averagevs. IN Avg
Total inspections Info Every on-site inspection the state recorded — routine inspections plus complaint visits. 2319.0 This facility has had 21% more total inspections than the Indiana average (23 vs. IN avg 19). More inspections can mean more regulatory scrutiny rather than worse care.↑ 21% more
Routine inspections Info Scheduled inspections conducted by state regulators. 117.0 This facility has had 57% more routine inspections than the Indiana average (11 vs. IN avg 7). More inspections can mean more regulatory scrutiny rather than worse care.↑ 57% more
Complaint visits Info On-site visits triggered by formal complaints. One complaint can result in several visits. 128.0 This facility has had 50% more complaint visits than the Indiana average (12 vs. IN avg 8). More inspections can mean more regulatory scrutiny rather than worse care.↑ 50% more
Inspections with deficiencies Info Inspections that resulted in at least one regulatory deficiency. 67.0 This facility has had 14% fewer inspections with deficiencies than the Indiana average (6 vs. IN avg 7). More inspections can mean more regulatory scrutiny rather than worse care.↓ 14% fewer
Inspection deficiency rate Info Percentage of inspections that resulted in at least one deficiency. 26%41% This facility has 15 percentage points lower inspection deficiency rate than a typical Indiana nursing home (26% vs. IN avg 41%).↓ 15% better
Show Inspection Reports

CMS Health Inspection History

Federal inspection data published by CMS, covering this home's Medicare and/or Medicaid-certified skilled-nursing/nursing beds only.

Inspections Since 2024 · 2 years of data

Includes all CMS health inspection records for this property, which could include management/ownership changes.

Total health inspections 3

Indiana average 5.9

Last Health inspection on Dec 2025

Total health citations
4 Rank #5 / 279Health citations — State benchmarkedThis nursing home is ranked 5th out of 279 nursing homes we track in Indiana for health citations. Shows this facility's total health deficiency citations benchmarked to the Indiana State average, with a ranking across all 279 IN facilities. Lower citation counts earn a better rank.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Indiana that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Indiana average 23.3

Citations per inspection
1.33 Rank #4 / 279Citations per inspection — State benchmarkedThis nursing home is ranked 4th out of 279 nursing homes we track in Indiana for citations per inspection. Shows average deficiency citations per CMS inspection for this facility versus the Indiana mean across 279 facilities with citation data. Lower is better.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Indiana that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Indiana average 3.86

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

3 of 4 citations resulted from standard inspections; and 1 of 4 came from combined inspections (standard and complaint).

Breakdown of citation severity (last 2 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: 0.5

0 critical citations Indiana average: 0.2
0 serious citations Indiana average: 0.5
4 moderate citations Indiana average: 22.2
0 minor citations Indiana average: 0.3
Citations history (last 2 years)
Resident Rights moderate citation Dec 04, 2025
Corrected
Pharmacy moderate citation Jan 10, 2025
Corrected
Care Planning moderate citation Jan 10, 2025
Corrected
Pharmacy moderate citation Feb 20, 2024
Corrected

Data sourced from CMS Health Deficiencies reports, which cover the Medicare and/or Medicaid-certified skilled-nursing and nursing beds and no other part of the community. 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
100% more staff per resident than Indiana average
Indiana average ratio: 1.75 : 1 Indiana average ratio: 1.75 : 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%
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
Below 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
Above average Indiana avg: 2.9 Info CMS star rating based on short-stay quality measure performance. 5 stars = much above average, 1 star = much below average.
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 county 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 county 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 #217 / 269Net patient revenue — State benchmarkedThis nursing home is ranked 217th out of 269 nursing homes we track in Indiana. Shows this facility's net patient revenue compared to the Indiana average, among facilities reporting a recent fiscal year. Higher revenue generally means more resources for staffing and capital — read alongside Payroll %.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Indiana that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.
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 #237 / 269Payroll costs — State benchmarkedThis nursing home is ranked 237th out of 269 nursing homes we track in Indiana. Shows total staff payroll — salaries plus wage-related benefits — benchmarked to the Indiana average, among facilities reporting a recent fiscal year. Higher payroll relative to peers often signals better staffing and less reliance on contract labor.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Indiana that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.
$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 #192 / 269Payroll % of net patient revenue — State benchmarkedThis nursing home is ranked 192nd out of 269 nursing homes we track in Indiana. Shows payroll as a percentage of net patient revenue versus the Indiana average, among facilities reporting a recent fiscal year. Below 25% may signal understaffing or heavy agency use — read with Staffing ratings.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Indiana that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.
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 Lorri Maples.

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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Compare Assisted Living around Bluffton

Info below is compiled from CMS reports & the IN Dept. of Health (IDOH), senior community websites & trusted data sources such as Walk Score & BBB.

Communities are listed from highest-ranked to lowest-ranked based on our methodology.

The facility name. Click to view the full profile page on Assisted Living Magazine, including photos, services, and contact info.
CMS (Centers for Medicare & Medicaid Services, the federal agency that regulates nursing homes) Overall 5-star rating — a composite of Health Inspection, Staffing, and Quality Measures scores. 5 stars = top 10% nationally. 1 star = bottom 10%. The single most important number to start with when comparing facilities.
Care Types in This Table AL (Assisted Living): Housing with help for daily activities like bathing, dressing, and medication, without 24-hour skilled nursing. NH (Nursing Home): 24/7 skilled nursing care for residents with complex, ongoing medical needs. SNF (Skilled Nursing Facility): Round-the-clock nursing care, often for recovery after surgery, injury, or illness. MC (Memory Care): Secured, specialized care for people living with Alzheimer's or dementia. RC (Respite Care): Short-term temporary care that gives family caregivers a break. IL (Independent Living): Community living with dining, activities, and transportation for active seniors who need little personal care.
Neighborhood or city area where the facility is located. Proximity to family, hospitals, and green space matters for both quality of life and ease of visitation. Consider drive time and transit access when evaluating location.
Licensed bed capacity. Larger facilities (300+ beds) often have more specialized programs but can feel institutional. Smaller homes (under 150 beds) tend to deliver more personalized care. Compare with Avg Res/Day to understand how full the facility typically runs.
Percentage of licensed beds filled on an average day. Color indicates financial health: green (90%+) = operationally strong, typically profitable. Amber (80–89%) = stable but leaving revenue on the table. Orange (70–79%) = financial strain likely, may struggle with fixed costs. Red (<70%) = significant distress, closure or ownership change risk increases sharply.
This facility's occupancy rate compared to the statewide average for similar facilities. A positive number means above-average demand. Facilities running 5%+ above the state average are typically the most sought-after in their market — a strong proxy for reputation.
CMS-adjusted total nurse hours per resident per day (RN + LPN + CNA combined). The national average is approximately 3.5 hrs. Higher is better — more direct care time per resident. Below 3.0 is a red flag. CMS weights RN hours more heavily because RNs handle complex clinical decisions that CNAs cannot.
CMS Health Inspection star rating (1–5 stars), based on the 3 most recent annual state surveys plus any complaint investigations. This is the hardest rating to manipulate — it reflects real surveyor findings on-site. 5 stars = fewest deficiencies found. 1 star = most. It carries the heaviest weight in the Overall CMS rating.
CMS Staffing star rating (1–5 stars), based on daily nurse staffing hours submitted to CMS via verified payroll data. Compares RN, LPN, and CNA coverage relative to resident acuity level. 5 stars = well above expected staffing. Weekend staffing is evaluated separately, as that's where many facilities quietly reduce coverage.
CMS Quality Measures star rating (1–5 stars), based on 15 clinical outcome metrics including fall rates, pressure ulcers, antipsychotic drug use, and hospital readmissions. Captures actual resident health outcomes, not just compliance. High QM combined with low Health Inspection scores can indicate a facility with strong care but weak documentation practices.
Registered Nurse hours per resident/day compared to the statewide average. RNs are the highest-skilled nursing staff — they assess residents, manage medications, and respond to emergencies. A value of +50% means RN coverage is 50% above the state norm. Negative values are a concern for residents with complex or acute medical needs.
Total nursing staff hours (RN + LPN + CNA combined) per resident/day vs. the statewide average. A broader measure than RN vs State — it captures the entire care team. A facility can have high total staffing but low RN hours, meaning more aides and fewer nurses. Read both columns together for the full picture.
Total dollar amount of federal monetary fines (civil money penalties) issued by CMS in the past 3 years. Fines are only levied for serious violations — typically actual harm to residents, repeated uncorrected deficiencies, or systemic non-compliance. Even a single fine is noteworthy. Multiple fines strongly suggest a pattern, not isolated incidents.
Total health deficiency citations from the most recent standard inspection cycle. Minor citations (scope A–C) are common and often administrative in nature. Higher counts aren't always disqualifying, but should be read alongside Severe Citations to understand actual harm levels. Under 10 is strong for a large facility; 30+ warrants a closer look.
Average deficiency citations per CMS inspection (survey) in the reporting window — total citations divided by the number of inspections. Lower is better; compare alongside total Citations and Severe Citations for context.
Citations at CMS scope/severity level G or higher — G–I means actual harm occurred; J–L means residents were placed in immediate jeopardy. (D–F is potential for harm only). Examples include unaddressed falls, medication errors causing injury, neglect, or abuse.
Average number of residents in the building on any given day, derived from annual census data. Reflects true operating scale — a 400-bed facility running 200 residents/day operates very differently from one at 390. Higher resident counts generally mean more funded staffing hours.
Better Business Bureau rating (A+ to F). Reflects complaint history, business transparency, and how family disputes were resolved. A+ means no significant unresolved complaints. A blank (—) means the facility isn't BBB-accredited, which is common for healthcare providers and not necessarily a negative signal.
Walk Score® (0–100). Measures walkability of the surrounding area. 90–100 = Walker's Paradise. 70–89 = Very Walkable. 50–69 = Somewhat Walkable. Below 50 = Car-Dependent. Higher scores benefit family visitors, resident outings, and staff commuting.
The licensed owner or operator of record filed with CMS — the individual or organization legally accountable for the facility. Searching the operator name across other facilities can reveal chain or multi-site ownership, which matters: chain-operated homes tend to have more variable quality outcomes than independently run facilities.
What the home actually collects for resident care, after contractual allowances, bad debt and discounts — not gross billings. Taken from the latest complete annual cost report, so it is comparable across homes reporting the same period. Revenue alone doesn't indicate care quality, but it funds staffing and capital reinvestment. Pair with Payroll %. Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
Staff salaries plus wage-related benefits from the latest complete annual cost report. Contract and agency labour is counted separately, under other operating costs, so a home leaning on agency staff can show a low figure here. Payroll is the cost most directly tied to care quality — compare with Payroll % for full context. Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
Payroll as a share of NET PATIENT REVENUE (not gross revenue). Both figures come from the same cost-report year. A higher figure means more of each revenue dollar goes to staff pay. Read with the Staffing star rating to judge whether spend translates into coverage — and note that homes whose patient revenue covers only part of their operation can read implausibly high. The Indiana average is: 51.1% Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
CMS Certification Number: the unique federal identifier for this skilled nursing provider.
Christian Care Retirement Community ★ ★ ★ ★ ★
AL
IL
MC
NH
SNF
Bluffton (Toll Gate Heights)
145
Facility 145
IN AVG 119
Rank #62 / 277
40.0%
Facility 40.0%
IN AVG 66.5%
Rank #247 / 267
-40%
4.97
Facility 4.97
IN AVG 3.44
Rank #14 / 276
 ★ ★ ★ ★ ☆ ★ ★ ★ ★ ★ ★ ★ ★ ★ ☆ +7%+45%
$0
Facility $0
IN AVG $31.4k
Rank #1 / 279
5
Facility 5
IN AVG 25.0
Rank #10 / 279
1.7
Facility 1.7
IN AVG 4.1
Rank #14 / 279
-58-
4
Facility 4
IN AVG 44
Rank #254 / 269
Adams County Memorial Hospital
$6.9MFiscal year ending 12/2023
Facility $6.9MFiscal year ending 12/2023
IN AVG $10.5M
Rank #199 / 269
$5.7MFiscal year ending 12/2023
Facility $5.7MFiscal year ending 12/2023
IN AVG $5.2M
Rank #87 / 269
83.2%Fiscal year ending 12/2023
Facility 83.2%Fiscal year ending 12/2023
IN AVG 51.1%
Rank #5 / 269
155701
River Terrace Health Care Center ★ ★ ★ ★ ★
AL
IL
MC
NH
RC
SNF
Bluffton
94
Facility 94
IN AVG 119
Rank #179 / 277
62.8%
Facility 62.8%
IN AVG 66.5%
Rank #156 / 267
-6%
3.33
Facility 3.33
IN AVG 3.44
Rank #137 / 276
 ★ ★ ★ ★ ★ ★ ★ ★ ☆ ☆ ★ ★ ★ ☆ ☆ +88%-3%
$0
Facility $0
IN AVG $31.4k
Rank #1 / 279
4
Facility 4
IN AVG 25.0
Rank #5 / 279
1.3
Facility 1.3
IN AVG 4.1
Rank #4 / 279
-59-
76
Facility 76
IN AVG 44
Rank #24 / 269
Adams County Memorial Hospital
$6.0MFiscal year ending 12/2023
Facility $6.0MFiscal year ending 12/2023
IN AVG $10.5M
Rank #217 / 269
$2.7MFiscal year ending 12/2023
Facility $2.7MFiscal year ending 12/2023
IN AVG $5.2M
Rank #237 / 269
44.8%Fiscal year ending 12/2023
Facility 44.8%Fiscal year ending 12/2023
IN AVG 51.1%
Rank #192 / 269
155726

Rank badges are statewide and care-type specific: each nursing home is ranked against every other IN nursing home we track that reports that metric, not just the 2 on this page. See how we rank facilities

Nursing Home Explorer

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 Lorri Maples.

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 26-003575-1.

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 62.8%.

How long has River Terrace Health Care Center been in business?

River Terrace Health Care Center has been operating for approximately 1 year, based on available licensing and registration records.

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