What government services provide money for senior housing?

Several government programs offer financial assistance for senior housing in various countries, focusing on the United States for a broad overview: Medicaid: Medicaid is a state and federally funded program that can cover the costs of nursing home care for those who meet eligibility criteria, including income and asset limits. Some states also offer Medicaid waivers that help pay for home and community-based services to prevent or delay nursing home placement. Medicare: Medicare, primarily a health insurance program for people aged 65 and over, does not cover long-term housing costs. However, it can cover short-term stays in a skilled nursing facility under specific conditions following a hospital stay. Section 202 Supportive Housing for the Elderly Program: This program provides housing for low-income seniors. It offers rental assistance and access to supportive services, such as cleaning, cooking, and transportation. Low-Income Housing Tax Credit (LIHTC) Properties: While not a direct subsidy, LIHTC encourages developers to create affordable housing. Seniors with low incomes can find reduced-rent apartments through this program. State and Local Programs: Many states, counties, and cities offer their own programs to assist seniors with housing costs. These can include property tax relief programs, rental assistance programs, and programs that offer affordable senior housing options. Veterans Affairs (VA): The VA offers several programs for veterans, including the Aid and Attendance benefit, which provides monthly payments to veterans who require the aid of another person, or are housebound, to help cover the cost of care in homes, nursing homes, and assisted living facilities. Social Security: While Social Security primarily provides retirement income, for many seniors, these benefits are a crucial part of their budget, including housing costs.

How do you pick the homes you recommend?

Before recommending homes, we conduct a thorough evaluation on crucial factors that define a senior home such as the quality of care they provide, the reputation of the organization, and a comprehensive review of community testimonials as well. Every detail is assessed to assure that seniors are offered not just senior care options, but trustworthy homes where they can experience the care that they deserve.

Do you help families that need Medicaid?

Yes. Assisting families who need Medicaid is important to us as it plays a crucial role in offering financial support to seniors confronting economic challenges. We would like to keep essential healthcare services accessible to all community members, irrespective of one’s financial circumstances.

How much does this service cost?

We extend our services at no cost, ensuring that families and seniors can benefit from tailored assistance in their search for care and home options. Our ability to offer personalized guidance without charge to families and seniors is made possible through the support and funding from the communities with which we team up.

What services do you offer?

Finding and ranking the best assisted living facilities Finding and ranking the best nursing homes Finding and ranking the best memory care facilities Our concierge service helps seniors move into the perfect home for them Helping seniors use medicare, medicaid, and other government programs to pay for their homes Helping seniors avoid senior homes that have bad service or fraud Helping seniors avoid senior homes that have bad service or fraud Autobiography & Family History Writing + Research Senior-focused concierge medicine Senior-focused nutritionist Senior-focused personal training Memory care specialists Custom wheelchairs at all price points. Custom hearing aids Cosmetic skincare + dermatology Companionship: We offer in-person and virtual companionship services. Someone engaging to hang out with or talk to on video chat. Senior housing concierge. Our service finds the best senior living options based on your needs, income, and personality.

Sapphire Lutheran Homes | Nursing Home in Montana

Overview of Sapphire Lutheran Homes

Sapphire Lutheran Homes in Hamilton, Montana is a Christian-based, non-profit independent living center dedicated to enhancing the quality of life for its community of senior citizens. The campus offers a magnificent view of the Bitterroot Mountains and is comprised of 64 individual homes with one- and two-bedroom apartments. Residents can enjoy exceptional meals, scheduled activities, and a secure, homelike environment.

(406) 363-2800

40-bed community

A moderately sized community that may balance personal attention with shared amenities and social activities.

2 years in operation

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

About this community

Facility TypeRetirement Homes

StatusCurrent

IssuanceDecember 12, 2023

ExpirationDecember 11, 2026

License Number13294

Sapphire Lutheran Homes is administrated by Harden, Cole.

24-Hour Staffing

Housekeeping And Maintenance Services

Physical

Social

And Spiritual Wellness Activities

Community Gathering Areas

A Library

And Game Rooms

ActivitiesResidents may choose from a variety of scheduled activities, including regular exercise sessions.

Food DescriptionResidents can prepare their own meals or enjoy exceptional meals served in the dining room.

Meals IncludedYes

Meals Per Day2

Meal ScheduleTwo daily meals served restaurant style

Show Inspection Reports

Latest inspection

Date November 6, 2015

Renewal

2 deficiencies

Deficiencies indicate regulatory issues. A higher number implies the facility had several areas requiring improvement.

Montana average: 21 deficiencies

Inspection Report Summary for Sapphire Lutheran Homes

The most recent inspection on November 6, 2015, identified deficiencies related to documentation of policy reviews and food storage practices. Earlier inspections were not provided for comparison, so the broader inspection pattern is unclear. Inspectors cited issues with the lack of annual review documentation by leadership and food safety concerns, including improper storage and uncovered food. No complaint investigations or enforcement actions were listed in the available reports. Without additional data, it is not possible to determine a clear trend in the facility’s compliance.

Big Sky Waiver

Montana Medicaid Big Sky Waiver

Age 65+ or disabled

General Montana 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).

Rural state; limited providers in some areas.

Benefits

Personal care (5-7 hours/day) Respite (240 hours/year) Home modifications ($1,500 avg.) Meals ($6/meal)

Montana Community First Choice

MT CFC

Age 65+ or disabled

General Montana resident, Medicaid- eligible.

Income Limits ~$1,732/month individual, Medicaid threshold

Asset Limits $2,000 individual

Less intensive than waiver; rural focus.

Benefits

Personal care (up to 40 hours/month) Homemaker services Respite (varies)

Big Sky Rx

Montana Big Sky Rx

Age 65+ or disabled

General Montana resident, enrolled in Medicare Part D, income below limit.

Income Limits (2025) ~$2,510/month (individual), ~$3,380/month (couple).

Asset Limits Not assessed.

Covers up to $38.75/month premium; statewide via AAAs.

Benefits

Prescription drug premium assistance (~$465/year) Reducing out-of-pocket costs

Medicare Savings Program (MSP)

Montana Medicare Savings Program

Age 65+ or disabled

General Montana resident, Medicare Part A/B.

Income Limits (2025) ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.

Asset Limits $9,430 (individual), $14,130 (couple).

Three tiers; no waitlist; includes Extra Help for Part D.

Benefits

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

Montana Caregiver Support Program (via NFCSP)

Montana Caregiver Support Program

Age —

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

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

Asset Limits Not assessed; need-based.

10 AAAs; prioritizes low-income, rural caregivers.

Benefits

Respite (4-6 hours/week or 5 days/year) Adult day care ($50/day) Training Supplies (~$500/year)

Senior Community Service Employment Program (SCSEP)

Montana SCSEP

Age 55+

General unemployed, low-income, Montana resident.

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

Asset Limits Not specified; income-focused.

Priority for veterans, rural residents; AARP partnership.

Benefits

Paid training (~20 hours/week at ~$7.25/hour) Job placement

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

Montana VA Aid and Attendance/Housebound

Age 65+ or disabled veteran/spouse

General Montana resident, wartime service, need for ADL help (A&A) or homebound.

Income Limits (2025) Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.

Asset Limits ~$155,356 net worth limit

High veteran demand in rural areas.

Benefits

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

0.0 miles from city center Estimated distance in miles from Hamilton's city center to Sapphire Lutheran Homes's address, calculated via Google Maps.

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Penalty History

Penalties are imposed by CMS for violations of federal nursing home regulations.

No penalties in the past 3 years

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

Compare Nursing Homes around Montana

5 facilities compared · CMS & MT Dept. of Health data · Updated Apr 2026

Filter by care type


Eureka of Cascadia, LLC dba Mountain View of Cascadia		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.	Eureka	49	69.3%	+12%	3.56				+30%	-21%	0	13	4.3	0	47	-	-	Carvey, Dianna	$3.8M	$1.5M	40%	275084
Avantara Billings		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.	Billings (East Central)	160	65.6%	+6%	3.57				+23%	-21%	3	49	6.1	5	105	A+	72	Caldwell, Sarah	$7.6M	$3.5M	46.8%	275029
Sapphire Lutheran Homes	-	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.	Hamilton	40	-	-	-	-	-	-	-	-	0	0	0.0	0	-	-	-	-	-	-	-	-
Central Montana Nursing and Rehabilitation Center	-	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. 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). RC Respite Care Short-term temporary care — days to weeks — to give family caregivers a break. Full care provided during the stay. Often used after hospitalization or to trial a facility before a permanent placement decision.	Lewistown	62	35.5%	-42%	-	-	-	-	-	-	0	0	0.0	0	-	-	39	Central Montana Snf Operations Holdings Llc	$1.1M	$0.3M	27.3%	275064
Libby of Cascadia, LLC dba Libby 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.	Libby	101	-	-	-	-	-	-	-	-	0	0	0.0	0	-	-	-	-	-	-	-	-

Eureka of Cascadia, LLC dba Mountain View of Cascadia

Overall Rating:

Type of care: NH AL

Community:Location: Eureka

Bed Count: 49

Occupancy: 69.3%

Occupancy vs State Avg: +12%

Nurse hrs per resident/day: 3.6

Health Insp Rating:

Staffing Rating:

QM Rating:

+30%

Staffing vs State Avg: -21%

Citations: 13

Citations per Inspection: 4.3

Avg Residents/Day: 46.50

Operator: Carvey, Dianna

Home Revenue: $3,757,440.00

Payroll Costs: $1,503,855.00

Payroll %: 40%

CCN: 275084

Avantara Billings

Overall Rating:

Type of care: NH AL

Community:Location: Billings (East Central)

Bed Count: 160

Occupancy: 65.6%

Occupancy vs State Avg: +6%

Nurse hrs per resident/day: 3.6

Health Insp Rating:

Staffing Rating:

QM Rating:

+23%

Staffing vs State Avg: -21%

Number of Fines: 3

Citations: 49

Citations per Inspection: 6.1

Severe Citations: 5

Avg Residents/Day: 104.80

Operator: Caldwell, Sarah

Home Revenue: $7,574,017.00

Payroll Costs: $3,542,199.00

Payroll %: 46.8%

CCN: 275029

Sapphire Lutheran Homes

Type of care: NH AL

Community:Location: Hamilton

Bed Count: 40

Citations per Inspection: 0.0

Central Montana Nursing and Rehabilitation Center

Type of care: AL MC NH RC

Community:Location: Lewistown

Bed Count: 62

Occupancy: 35.5%

Occupancy vs State Avg: -42%

Citations per Inspection: 0.0

Operator: Central Montana Snf Operations Holdings Llc

Home Revenue: $1,055,648.00

Payroll Costs: $288,519.00

Payroll %: 27.3%

CCN: 275064

Libby of Cascadia, LLC dba Libby Care Center

Type of care: NH AL

Community:Location: Libby

Bed Count: 101

Citations per Inspection: 0.0

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Sapphire Lutheran Homes

Nursing Home in Montana

Nursing Home in Montana