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.

The Cottages at Bridgewater

Senior Living in Fort Wayne

Overview of The Cottages at Bridgewater

Experience the best of your golden years at The Cottages at Bridgewater, an idyllic community in Fort Wayne, IN, offering independent living. Those 55+ can find the accommodation that best suits their preferences with beautifully furnished and cozy one- and two-bedroom floor plans. Residents can ease their worries with plenty of convenient apartment features.

With unique local amenities and recreation sites nearby, residents have easy access to their necessities and leisure. Here, residents can prepare meals on their terms, especially with a fully furnished kitchen in each unit. The community is a great option for those looking to downsize in retirement.

(888) 927-9409

Walk Score: 8 / 100

Car-dependent. Most errands require a car, with limited nearby walkable options.

About this community

Minimum Age55

Specific ProgramsHome, About Us, Listings, Features, Floor plans, WiFi Family & Health, Millers Merry Manor, Location

What does this home offer?

Minimum Age: 55 Years Old

Pets Allowed: Yes, Pets Allowed

Room Sizes: 681 / 762 / 871 sq. ft

Housing Options: 1 Bed / 2 Bed

Building Type: Single-story

Parking Available

Types of Care at The Cottages at Bridgewater

Independent Living

Get floorplan photos & videos Schedule a home tour Get detailed pricing Check availability Get brochure

Living Spaces & Floor Plans

1 Bedroom Small Floor Plan

2 Bedroom Floor Plan

1 Bedroom Large Floor Plan

1 Bedroom With Garage Floor Plan

Financial Assistance for
Senior Living in Indiana

The Cottages at Bridgewater is located in Fort Wayne, 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).

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

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).

~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).

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.

16 AAAs; prioritizes low-income, rural caregivers.

Benefits

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

Senior Community Service Employment Program (SCSEP)

Indiana SCSEP

Age 55+

General unemployed, low-income, Indiana resident.

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

Asset Limits Not specified; income-focused.

Priority for veterans, rural residents.

Benefits

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

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

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)

10.2 miles from city center Estimated distance in miles from Fort Wayne's city center to The Cottages at Bridgewater'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 Senior Living around Fort Wayne

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Golden Years Homestead	NH Nursing Home Licensed facility providing 24/7 skilled nursing care for residents with complex, ongoing medical needs. Staffed by RNs, LPNs, and CNAs. Inspected and star-rated annually by CMS. Accepts Medicare (short-term rehab) and Medicaid (long-term care). AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support. MC Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.	Fort Wayne	165	Yes	7	1 Bed / 2 Bed	2	50.9%	-	Shauna Shafer	Woodlawn Hospital	Rhonda Chapman	36	8	40	1.1
The Cottages at Bridgewater	IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.	Fort Wayne	-	Yes	8	1 Bed / 2 Bed	-	-	-	-	-	-	0	0	0	-
41 North Senior Living	IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.	Fort Wayne	-	No	33	1 Bed / 2 Bed	-	-	A-	-	-	-	0	0	0	-
Arbor Glen	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.	Fort Wayne	-	No	44	1 Bed / 2 Bed	55	-	-	-	-	-	0	0	0	-
Yellow Retirement Communities	IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.	Fort Wayne (Nebraska)	-	Yes	67	1 Bed / 2 Bed	-	-	-	-	-	-	0	0	0	-

Golden Years Homestead

Type of care: NH AL IL MC

Community:Location: Fort Wayne

Bed Count: 165

Pets Allowed: Yes

Bed Options: 1 Bed / 2 Bed

The Cottages at Bridgewater

Type of care: IL

Community:Location: Fort Wayne

Pets Allowed: Yes

Bed Options: 1 Bed / 2 Bed

41 North Senior Living

Type of care: IL

Community:Location: Fort Wayne

Pets Allowed: No

Bed Options: 1 Bed / 2 Bed

Arbor Glen

Type of care: AL IL

Community:Location: Fort Wayne

Pets Allowed: No

Bed Options: Studio / 1 Bed / 2 Bed

Yellow Retirement Communities

Type of care: IL

Community:Location: Fort Wayne (Nebraska)

Pets Allowed: Yes

Bed Options: 2 Bed

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The Cottages at Bridgewater

Senior Living in Fort Wayne

Senior Living in Fort Wayne