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

Sterling Care

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

Overview of Sterling Care

Dedicated to improving seniors’ well-being, Sterling Care is a distinct senior living community offering assisted living, independent living, skilled nursing care, and rehabilitation across its convenient locations. The community strives to deliver top-notch care and assistance from a dedicated and highly skilled team. Enjoy your golden years doing what you love within the serene spaces of Sterling Care.

Sterling Care fosters a vibrant and welcoming environment, paving the way for residents to gain meaningful interactions and mingle with friends. Combining medical expertise and exceptional comfort, the community ensures seniors are well-cared for in every aspect of their well-being. Sterling Care is ideal for seniors aiming to spend their golden years doing what they love with its incredible amenities and peaceful setting.

(410) 838-7810

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.
▼ 12.0% Below MD avg. ▼ 12.0% Below MD avg.Click the badge to see the full State ranking.Click here to see the full State ranking.
Health Inspection Info Based on the results of the facility's three most recent standard inspections and any complaint investigations. CMS reviews the number, scope, and severity of deficiencies, with more recent findings weighted more heavily.
▼ 37.5% Below MD avg. ▼ 37.5% Below MD avg.Click the badge to see the full State ranking.Click here to see the full State ranking.
Staffing Info Measures average nursing staff hours per resident per day, including Registered Nurses (RNs) and total nursing staff. Ratings are adjusted based on the level of care residents require and are compared to state and national benchmarks.
▼ 43.5% Below MD avg. ▼ 43.5% Below MD avg.Click the badge to see the full State ranking.Click here to see the full State ranking.
Quality Measures Info Based on clinical and physical health indicators reported to CMS, such as hospital readmissions, falls, pressure ulcers, and improvements in mobility. These measures reflect how well residents' health needs are being managed.
▲ 34.0% Above MD avg. ▲ 34.0% Above MD avg.Click the badge to see the full State ranking.Click here to see the full State ranking.

Staffing hours breakdown

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

Hours per resident per day — compared to Maryland state averages

Total nursing care / resident Info This home is ranked 102nd out of 144 homes in Maryland. 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 13m per day
Rank #102 / 144Nurse hours — State benchmarkedThis home is ranked 102nd out of 144 homes in Maryland. Shows adjusted nurse hours per resident per day benchmarked to the Maryland average, with a ranking across 144 Maryland SNFs. More hours mean more direct care. The national average is about 3.5 hrs; below 3.0 is a red flag.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
This facility Maryland avg (4h 17m per day)
vs Maryland avg
-25%

5 of 6 metrics below state avg

Standout metric LPN / LVN is +33% 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. 25m per day ▼ 50% State avg: 50m 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. 1h 12m per day ▲ 33% State avg: 54m 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 55m per day ▼ 12% State avg: 2h 10m per day · National avg: 2h 21m 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 11m per day ▼ 8% State avg: 3h 29m 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 per day ▼ 60% State avg: 5m 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. 22m per day ▼ 41% State avg: 37m per day · National avg: 29m per day

Types of Care at Sterling Care

Assisted Living Independent Living Nursing Home

Capacity and availability

This home usually has limited availability

Occupancy between 85% and 95% suggests balanced demand.

Higher occupancy than the Maryland average: 82.4%
Occupancy rate 85.2% Rank #69 / 146Occupancy rate — State benchmarkedThis home is ranked 69th out of 146 homes in Maryland. Shows this facility's occupancy rate versus the Maryland average, with its Statewide rank out of 146. Higher occupancy signals strong local demand and financial stability.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Avg. Length of Stay 119 days
Occupancy rate
85.2% Rank #69 / 146Occupancy rate — State benchmarkedThis home is ranked 69th out of 146 homes in Maryland. Shows this facility's occupancy rate versus the Maryland average, with its Statewide rank out of 146. Higher occupancy signals strong local demand and financial stability.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Avg. Length of Stay
119 days
Years in operation
20 years in operation Rank #111 / 209Years in operation — State benchmarkedThis home is ranked 111th out of 209 homes in Maryland. Shows how long this facility has been in operation compared to other Maryland SNFs. Longer operating histories may benefit residents, families, and staff.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
A longer operating history, which may indicate experience navigating regulations and delivering ongoing care.
Walk Score
Walk Score: 27 / 100 Rank #669 / 986Walk Score — State benchmarkedThis home is ranked 669th out of 986 homes in Maryland. Shows how walkable this facility's neighborhood is compared to the average Walk Score across Maryland SNFs. Higher scores benefit residents, families, and staff.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Somewhat walkable. A few nearby services may be reachable on foot, but most trips require transportation.
BBB Rating
BBB Rating: A+ (Not Accredited)
An independent rating from the Better Business Bureau based on factors such as complaint history, transparency, and business practices.
How BBB ratings work

Staffing

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

Leadership

ContactMr. Rebecca Adams, Administrator

Contact Sterling Care

Inspection History

In Maryland, the Department of Health, Office of Health Care Quality is the state agency that conducts unannounced inspections and issues reports for all assisted living and nursing facilities.

Since 2018 · 8 years of data 54 citations

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

Since 2018 vs. Maryland state average
Overall vs. MD average 2 Worse Metrics worse than Maryland average:
• Total citations (1250% above)
• Citations per year (1260% above)
0 Better No metrics in this bucket.
Latest Inspection October 17, 2025 Complaint Investigation

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

This FacilityMD Averagevs. MD Avg
Total citations Info Formal regulatory issues recorded by inspectors across all inspection types. 544 This facility has 1250% more total citations than a typical Maryland nursing home (54 vs. MD avg 4).↑ 1250% worse
Citations per year Info Average citations per year since 2018. 6.80.5 This facility has 1260% more citations per year than a typical Maryland nursing home (6.8 vs. MD avg 0.5).↑ 1260% worse

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 October 17, 2025, identified a deficiency related to the facility’s failure to update a resident’s discharge plan to reflect the absence of home health wound care services after those services were declined. Earlier inspections showed multiple deficiencies involving resident care, documentation, medication management, infection control, and environmental maintenance. Prior reports noted issues such as failure to follow physician orders, inadequate neuro checks after falls, medication errors, poor food service, and infection prevention lapses. Complaint investigations included substantiated findings of inadequate discharge planning and abuse, while most other complaints were substantiated with various care and documentation concerns. The inspection history indicates ongoing challenges with care coordination and documentation, with no clear pattern of overall improvement or worsening.

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

Show Inspection Reports

Health Inspection History

Inspections since 2018
Total health inspections 5

Maryland average 3.9


Last Health inspection on Oct 2025

Total health citations
48 Rank #90 / 146Health citations — State benchmarkedThis home is ranked 90th out of 146 homes in Maryland. Shows this facility's total health deficiency citations benchmarked to the Maryland State average, with a ranking across all 146 MD SNFs. Lower citation counts earn a better rank.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Maryland average 49.9

Citations per inspection
9.6 Rank #53 / 146Citations per inspection — State benchmarkedThis home is ranked 53rd out of 146 homes in Maryland. Shows average deficiency citations per CMS inspection for this facility versus the Maryland mean across 146 SNFs with citation data. Lower is better.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Maryland average 12.81


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

27 of 48 citations resulted from standard inspections; 12 of 48 resulted from complaint investigations; and 9 of 48 came from combined inspections (standard and complaint).

Breakdown of citation severity (last 8 years)
Critical Health citations
2
300% worse than Maryland average

Maryland average: 0.5


Serious Health citations
2 Rank #32 / 51Serious citations (G–I) — State benchmarkedThis home is ranked 32nd out of 51 homes in Maryland. Shows G–I scope serious health citations for this facility versus other Maryland SNFs. Lower counts rank better.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
233% worse than Maryland average

Maryland average: 0.6

2 critical citations Maryland average: 0.5

2 serious citations Maryland average: 0.6

44 moderate citations Maryland average: 47.2

0 minor citations Maryland average: 1.7
Citations history (last 8 years)
Resident Rights moderate citation Oct 17, 2025
Corrected

Abuse/Neglect serious citation Aug 21, 2025
Corrected

Abuse/Neglect serious citation Aug 21, 2025
Corrected

Nutrition moderate citation Aug 21, 2025
Corrected

Staffing Data

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

Total staff 137
Employees 136
Contractors 1
Staff to resident ratio 1.17:1
35% worse than Maryland average
Maryland average ratio: 1.81:1 Maryland average ratio: 1.81:1See full Maryland ranking
Avg staff/day 61
Average shift 8.2 hours
0% compared with Maryland average
Maryland average: 8 hours Maryland average shift: 8 hoursSee full Maryland ranking
Total staff hours (quarter) 46,196

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 9
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 8 hours

No contractors work on this role.

Licensed Practical Nurse

Assists with medical care and medications.

LPN Staff 30
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 9.3 hours

This role is partially covered by contractors.

Certified Nursing Assistant

Helps with daily care and mobility.

CNA Staff 70
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 7.8 hours

No contractors work on this role.

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

0.2%

91 contractor hours this quarter

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 Assistant7007021,69092100%7.8
Licensed Practical Nurse2913012,45692100%9.3
RN Director of Nursing6062,4707683%8.2
Clinical Nurse Specialist6062,25992100%8.1
Registered Nurse9092,0099199%8
Medication Aide/Technician4041,5338896%9.5
Other Dietary Services Staff4046977379%7.1
Administrator2026686672%7.4
Nurse Practitioner1015095762%8.9
Dental Services Staff1014906267%7.9
Dietitian1014756267%7.7
Occupational Therapy Aide1014735863%8.2
Mental Health Service Worker1013774953%7.7
Medical Director101911314%7
70 Certified Nursing Assistant
% of Days 100%
30 Licensed Practical Nurse
% of Days 100%
6 RN Director of Nursing
% of Days 83%
6 Clinical Nurse Specialist
% of Days 100%
9 Registered Nurse
% of Days 99%
4 Medication Aide/Technician
% of Days 96%
4 Other Dietary Services Staff
% of Days 79%
2 Administrator
% of Days 72%
1 Nurse Practitioner
% of Days 62%
1 Dental Services Staff
% of Days 67%
1 Dietitian
% of Days 67%
1 Occupational Therapy Aide
% of Days 63%
1 Mental Health Service Worker
% of Days 53%
1 Medical Director
% of Days 14%

Penalties and fines

Includes penalties issued in 2025

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 (Data as of Jan 2026)

Total fines amount $51K Rank #1 / 146Federal fines — State benchmarkedThis home is ranked 1st out of 146 homes in Maryland. Shows this facility's cumulative CMS federal fine dollars versus the Maryland average among facilities with fines, and where it ranks among 146 skilled nursing facilities in the pool. Lower total dollars mean a better rank.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
18% lower than Maryland average

Maryland average: $61K

Number of fines 1
33% fewer fines than Maryland average

Maryland average: 1.5

Payment Denials Info Serious action where Medicare and/or Medicaid temporarily stops payments for new residents until issues are fixed. 0
100% fewer payment denials than Maryland average

Maryland average: 0.1

Fines amount comparison
Fines amount comparison
This facility $51K
Maryland average $61K
Penalty History

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

1 penalty in the past 3 years

Aug 21, 2025 · $51K

Civil Money Penalty Info Fines imposed for noncompliance, which can be assessed per day or per instance of violation. Aug 21, 2025
$51K

Last updated: Jan 2026

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. 5.0
62% better than Maryland average

Maryland average: 12.9

Functional decline score Info A composite score based on activities of daily living decline, walking ability decline, and incontinence. 14.9
42% better than Maryland average

Maryland average: 25.7

Long-stay resident measures
Significantly above average Maryland avg: 3.7 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 8.5%
64% better than Maryland average

Maryland average: 23.7%

Walking Ability Worsened Info Percent of long-stay residents whose ability to move independently worsened 8.0%
71% better than Maryland average

Maryland average: 27.7%

Low Risk Residents with Bowel/Bladder Incontinence Info Percent of low risk long-stay residents who lose control of their bowels or bladder 28.2%
9% worse than Maryland average

Maryland average: 25.9%

Falls with Major Injury Info Percent of long-stay residents experiencing one or more falls with major injury 4.3%
87% worse than Maryland average

Maryland average: 2.3%

High Risk Residents with Pressure Ulcers Info Percent of long-stay high risk residents with pressure ulcers 3.1%
53% better than Maryland average

Maryland average: 6.5%

Urinary Tract Infection Info Percent of long-stay residents with a urinary tract infection 1.3%
21% better than Maryland average

Maryland average: 1.6%

Lost Too Much Weight Info Percent of long-stay residents who lose too much weight 0.9%
85% better than Maryland average

Maryland average: 5.8%

Depressive Symptoms Info Percent of long-stay residents who have depressive symptoms 8.5%
58% better than Maryland average

Maryland average: 20.2%

Antipsychotic Use Info Percent of long-stay residents who received an antipsychotic medication 5.2%
60% better than Maryland average

Maryland average: 12.9%

Pneumococcal Vaccine Info Percent of long-stay residents assessed and appropriately given the pneumococcal vaccine 99.3%
8% better than Maryland average

Maryland average: 92.0%

Influenza Vaccine Info Percent of long-stay residents assessed and appropriately given the seasonal influenza vaccine 97.2%
In line with Maryland average

Maryland average: 96.6%

Hospitalizations per 1,000 days Info Number of hospitalizations per 1,000 long-stay resident days. 0.97
27% better than Maryland average

Maryland average: 1.32

ED visits per 1,000 days Info Number of outpatient emergency department visits per 1,000 long-stay resident days. 1.48
22% worse than Maryland average

Maryland average: 1.21

Short-stay resident measures
Significantly above average Maryland avg: 3.7 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 99.6%
27% better than Maryland average

Maryland average: 78.4%

Antipsychotic medication increase Info Percent of short-stay residents who newly received an antipsychotic medication 1.2%
16% better than Maryland average

Maryland average: 1.4%

Influenza Vaccine Info Percent of short-stay residents assessed and appropriately given the seasonal influenza vaccine 91.9%
14% better than Maryland average

Maryland average: 80.6%

Re-hospitalized after SNF stay Info Percentage of short-stay residents who were re-hospitalized after their nursing home admission. 19.4%
8% better than Maryland average

Maryland average: 21.2%

Emergency department visits Info Percentage of short-stay residents who had an outpatient emergency department visit. 9.8%
In line with Maryland average

Maryland average: 9.9%

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

Maryland average: 0.8%

Ability to care for self at discharge Info Percentage of residents at or above expected ability to care for themselves at discharge. 62.3%
16% better than Maryland average

Maryland average: 53.7%

Successful return to home or community Info Rate of successful return to home or community from a skilled nursing facility. 51.2%
In line with Maryland average

Maryland average: 50.6%

Breakdown by payment type

Medicare

49% of new residents, usually for short-term rehab.

Typical stay 27 days

Private pay

42% of new residents, often for short stays.

Typical stay 1 - 2 months

Medicaid

9% of new residents, often for long-term daily care.

Typical stay 2 years

Facility Characteristics

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

Total residents 117
Medicare
20
17.1% of residents
Medicaid
71
60.7% of residents
Private pay or other
26
22.2% of residents
Programs & Services
Residents Group

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

Active Resident Council

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

Finances and operations

Privately-owned community
Operated by a business corporation.
Home revenue
$25.6M
Profit
$760.4K
Privately-owned community Operated by a business corporation.
Home revenue
$25.6M Rank #41 / 145Revenue — State benchmarkedThis home is ranked 41st out of 145 homes in Maryland. Shows this facility's annual revenue compared to the Maryland SNF average. Higher revenue generally means more resources for staffing and capital — read alongside Payroll %.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Profit
$760.4K
Payroll costs Info The portion of the home's budget spent on staff, including nurses, caregivers, and other employees who support care and operations. Rank #68 / 145Payroll — State benchmarkedThis home is ranked 68th out of 145 homes in Maryland. Shows total annual staff payroll benchmarked to the Maryland average. Higher payroll investment relative to peers often signals better staffing and less reliance on cheaper contract labor.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
$8.6M
33.4% of revenue Rank #133 / 145Payroll % — State benchmarkedThis home is ranked 133rd out of 145 homes in Maryland. Shows payroll as a percentage of revenue versus the Maryland average. Well-run Maryland SNFs typically land around 49–57% — the top third Statewide. Below 25% may signal understaffing or heavy agency use — read with Staffing ratings.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Other operating costs Info All remaining costs needed to run the home, such as food, utilities, building maintenance, supplies and administrative expenses.
$16.3M
Total costs $24.9M

Who this home usually serves

TYPE OF STAY

Mostly short-term rehab stays

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

Places of interest near Sterling Care

Address 12.7 miles from city center Info Estimated distance in miles from Bel Air's city center to Sterling Care's address, calculated via Google Maps.

Calculate Travel Distance to Sterling Care

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Address

Financial Assistance for
Nursing Home in Maryland

Sterling Care is located in Bel Air, Maryland.
Here are the financial assistance programs available to residents in Maryland.

Get Financial aid guidance

Community Options Waiver

Maryland Medicaid Community Options Waiver

Age 65+ or disabled
General Maryland 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) (excludes home, car).
MD

High urban demand; rural outreach efforts.

Benefits
Personal care (5-7 hours/day, e.g., bathing, dressing) Respite care (up to 240 hours/year) Adult day care ($70/day) Home modifications ($1,500 avg.)

Senior Care Program

Maryland Senior Care

Age 65+
General Maryland resident, at risk of nursing home placement.
Income Limits ~$2,000/month individual, varies by county
Asset Limits $11,000 individual
MD

Limited funding; waitlists common in high-demand areas.

Benefits
In-home care (3-5 hours/week) Respite care (up to 10 days/year) Meals (~$6/meal) Transportation (~5 trips/month) Case management

Maryland Nursing Home Medicaid

Maryland Medical Assistance (Medicaid) Nursing Home Program

Age 65+
General Maryland resident, Medicaid-eligible, requires nursing home-level care.
Income Limits (2025) $943/month (individual); most income applied to care costs.
Asset Limits $2,500 (individual), $3,000 (couple); spousal protections up to $155,356.
MD

Home equity limit $636,000; estate recovery applies post-55.

Benefits
24/7 nursing care Meals Therapy Medications (unlimited per medical need)

Senior Assisted Living Subsidy Program

Maryland Senior Assisted Living Group Home Subsidy

Age 62+
General Maryland resident, in or moving to approved assisted living, low/moderate income.
Income Limits (2025) ~$34,000/year individual, varies by county
Asset Limits Not strict; prioritizes low-income.
MD

Not available statewide; facility must be licensed by MDH.

Benefits
Personal care Meals 24-hour supervision (up to $1,500/month subsidy typical)

Veterans Aid and Attendance (A&A) Benefit

Maryland VA Aid and Attendance

Age
General Wartime veteran/spouse, age 65+ or disabled, needs ADL help, Maryland resident.
Income Limits (2025) Net income minus medical expenses < $1,984/month individual with A&A
Asset Limits $155,356 net worth limit
MD

High veteran population in suburban/rural areas.

Benefits
Cash benefit ($1,478-$2,471/month, varies by status) for care costs

Senior Prescription Drug Assistance Program (SPDAP)

Maryland Senior Prescription Drug Assistance Program

Age 65+
General Maryland resident (6+ months), Medicare Part D enrolled.
Income Limits (2025) $48,560/year individual, 300% FPL
Asset Limits None specified.
MD

Supplements Medicare Part D; annual enrollment required.

Benefits
Up to $40/month premium subsidy Reducing drug costs

Medicare Savings Programs (MSP)

Maryland Medicare Savings Programs

Age 65+
General Maryland resident, Medicare Part A/B enrollee.
Income Limits (2025) $2,014/month (QMB), $2,706/month (SLMB/QI, individual).
Asset Limits $9,090 (individual), $13,630 (couple).
MD

Includes QMB, SLMB, QI categories.

Benefits
Covers premiums (up to $174.70/month Part B) Co-pays Deductibles

Community Personal Assistance Services (CPAS)

Maryland Medicaid Community Personal Assistance Services

Age 65+
General Maryland resident, Medicaid-eligible, needs ADL assistance.
Income Limits (2025) $943/month (individual); spend-down available.
Asset Limits $2,500 (individual), $3,000 (couple).
MD

Consumer-directed option allows hiring family caregivers.

Benefits
Personal care (hours vary, typically 20-30/week) Chores Nurse supervision

Frequently Asked Questions about Sterling Care

What neighborhood is Sterling Care in?

Sterling Care is in the East MacPhail Road neighborhood of Bel Air.

Is Sterling Care in a walkable area?

Sterling Care has a walk score of 27. Somewhat walkable. A few nearby services may be reachable on foot, but most trips require transportation.

What is the occupancy rate at Sterling Care?

Sterling Care's occupancy is 85.2%.

What is the phone number of Sterling Care?

(410) 838-7810 will put you in contact with the team at Sterling Care.

Is Sterling Care Medicare or Medicaid certified?

Yes — Sterling Care is a CMS-certified provider of Medicare and Medicaid.

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