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 Opal at Bluewater Bay | Assisted Living in Niceville, FL

Overview of The Opal at Bluewater Bay

Settled in the vibrant neighborhood of Niceville, FL, the Opal at Bluewater Bay is a peculiar senior living community that provides assisted living services. A variety of luxurious accommodations are available for its residents. This community offers round-the-clock personalized care and support for its residents through its highly equipped and dedicated team.

Enjoy its wide array of top-tier amenities and services including personalized care to meet individual needs, medical assistance and preferred pharmacy, on-site physician, and specialty providers, physical, occupational, and speech therapy, and mobile lab and diagnostic services. With its mantra, “Enjoy Every Moment”, indulge in its nutritious and home-cooked meals and engage with interactive social events. At the Opal at Bluewater Bay, seniors are assured of a fantastic living experience.

(850) 729-3323

Capacity and availability

Smaller home

May offer a more intimate, personalized care environment.

Total beds 65

65-bed community

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

1 year in operation

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

Walk Score: 55 / 100

Moderately walkable. Some errands can be accomplished on foot, with a mix of nearby amenities.

Payment Types

Insurance And/or Hmo

Other

About this community

Facility TypeAssisted Living Facility

StatusLicensed

IssuanceJune 28, 2024

ExpirationJune 27, 2026

CountyOkaloosa

License Number9189

The Opal at Bluewater Bay is legally operated by Niceville OSL Property, LLC, and administrated by Barbara Scheurer.

Profit StatusFor-Profit

Staffing

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

English

Continuing Care Retirement Community (CCRC)

Activities in this home

Arts and Crafts
Exercise Classes
Games & Cards
Shopping
Social Events & Outings
Theater & Movies

What does this home offer?

Building Type: Single-story

Fitness and Recreation

Types of Care at The Opal at Bluewater Bay

Assisted Living

Results

16 with citations

13 without citations

Florida average: 16 inspections with citations

Show Inspection Reports

Latest inspection

Date August 26, 2024

Other

25 total citations

Citations indicate regulatory violations. A higher number implies the facility had several areas requiring improvement.

Florida average: 33 citations

8 deficiencies

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

Florida average: 19 deficiencies

6 fines

Florida average: 5 fines

Total amount fined: $3,750.00

Florida average: $11,623.53

Inspection Report Summary for The Opal at Bluewater Bay

THE OPAL AT BLUEWATER BAY was inspected on 2024-08-26, with no deficiencies cited in its latest report. Over a period of 27 inspections from 2012 to 2024, the facility has undergone various types of assessments, including standard and complaint-based reviews. Notably, 21 total deficiencies were identified across these inspections, with common themes emerging in areas such as records/documentation, resident care/rights, and dietary/food service. While past inspections did identify issues that required correction, the facility's latest inspection indicates a satisfactory status.

Compare Assisted Living around Niceville

Filter by care type


Partin Place	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.	Niceville	80	No	-	1	-	Partin Place Operations, Llc	50	24%	50	Not-For-Profit	$20,000	Brittany White	-
The Opal at Bluewater Bay	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.	Niceville (Bluewater Bay)	65	No	55	1	-	Niceville Osl Property, Llc	29	55.2%	25	For-Profit	$3,750	Barbara Scheurer	-

Partin Place

Type of care: AL

Community: Niceville

Bed Count: 80

Pets Allowed: No

The Opal at Bluewater Bay

Type of care: AL

Community: Niceville (Bluewater Bay)

Bed Count: 65

Pets Allowed: No

View all Nearby Homes

Long-Term Care Waiver

Florida Medicaid LTC Waiver

Age 65+ or 21+ disabled

General Florida 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).

High demand; waitlists common.

Benefits

In-home care (6-8 hours/day) Assisted living Respite (240 hours/year) Case management

Community Care for the Elderly (CCE)

Florida CCE

Age 60+

General Florida resident, at risk of nursing home.

Income Limits ~$2,000/month varies

Asset Limits $5,000 individual

Limited funding; regional variation.

Benefits

Homemaker services (3-5 hours/week) Adult day care (~$60/day) Respite (up to 10 days/year)

Home Care for the Elderly (HCE)

Florida Home Care for the Elderly

Age 60+

General Florida resident, at risk of nursing home placement; caregiver must be approved.

Income Limits (2025) ~$2,829/month individual, aligned with Medicaid thresholds

Asset Limits ~$2,000 (individual); varies by case manager discretion.

Limited funding (~3,500 served annually); prioritizes low-income frail seniors.

Benefits

Basic subsidy (~$160/month) for housing/medical costs; special subsidies for supplies/services (e.g., incontinence supplies, ~$50-$200/month)

Program of All-Inclusive Care for the Elderly (PACE)

Florida Medicaid PACE

Age 55+

General Florida resident, nursing home-level care need, safe with PACE support.

Income Limits (2025) ~$2,829/month 300% FBR

Asset Limits $2,000 (individual), $3,000 (couple).

Limited to specific counties (e.g., Hillsborough, Miami-Dade); ~10 sites statewide.

Benefits

Personal care (5-7 hours/day) Medical care Meals Transportation Therapy

Optional State Supplementation (OSS)

Florida Optional State Supplementation

Age 65+ or disabled

General Florida resident, living in approved facility, receiving SSI or low-income.

Income Limits (2025) ~$1,004/month individual, including SSI

Asset Limits $2,000 (individual), $3,000 (couple).

Limited to specific facility types; ~$78.40/month max supplement.

Benefits

Cash payment (~$78.40/month) for room/board or personal needs in facilities

Senior Community Service Employment Program (SCSEP)

Florida SCSEP (federally funded, state-administered)

Age 55+

General unemployed, low-income, Florida resident.

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

Asset Limits Not specified; income-focused.

Priority for veterans, rural residents; ~1,000 slots/year.

Benefits

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

5.1 miles from city center Estimated distance in miles from Niceville's city center to The Opal at Bluewater Bay's address, calculated via Google Maps.

Quick search

Calculate Travel Distance to The Opal at Bluewater Bay

Add your location

Guides for Better Senior Living

Care Cost Calculator: See Prices in Your Area

Nursing Home Data Explorer

Don’t Wait Too Long: 7 Red Flag Signs Your Parent Needs Assisted Living Now

The True Cost of Assisted Living in 2025 – And How Families Are Paying For It

Understanding Senior Living Costs: Pricing Models, Discounts & Financial Assistance

The Opal at Bluewater Bay

Assisted Living in Niceville

Assisted Living in Niceville