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.

Three Oaks Assisted Living and Memory Care

Overview of Three Oaks Assisted Living and Memory Care

Residing in the quiet residential street of Silver Lake Road, Cary, IL, is the astounding senior living community of Three Oaks Assisted Living and Memory Care, which provides assisted living and memory care. Experience the finest comfort and convenience with the cozy and elegant residences of the community with varied floor plans ranging from studio to one-bedroom floor plans. Ease your worries with round-the-clock care and support from a compassionate and highly skilled team.

Enrich your retirement with interactive programs and fun events to maintain a well-engaged lifestyle. Interact with friends over healthy and tasty meals and satisfy your dietary needs and preferences. With its serene spaces and wonderful amenities, Three Oaks Assisted Living and Memory Care is a good place for seniors to keep their dignity while doing the things they love.

(979) 693-1000

87-bed community

A larger shared setting that may offer more common spaces and organized community services.

Walk Score: 56 / 100

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

About this community

Facility TypeAssisted Living/shared Housing Establishment

StatusActive

IssuanceOctober 30, 2025

ExpirationOctober 30, 2026

CountyMchenry

Three Oaks Assisted Living and Memory Care is legally operated by Cary Senior Living, LLC.

Permanent Units

62 units

Alzheimer's Units

25 units

Total beds

87 units

Offers Alzheimer's Care

What does this home offer?

Building Type: Two-story

Types of Care at Three Oaks Assisted Living and Memory Care

Assisted Living Memory Care

Breakdown by inspection type

2 licensing inspections
1 complaint investigation
6 incident investigations
1 other inspection

Show Inspection Reports

Latest inspection

Date November 4, 2025

Inspection history

03/15/2024

10/01/2024

02/19/2025

04/11/2025

04/17/2025

07/18/2025

09/28/2025

09/30/2025

11/04/2025

7 deficiencies

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

Illinois average: 7 deficiencies

Inspection Report Summary for Three Oaks Assisted Living and Memory Care

The most recent inspection on September 30, 2025, found deficiencies related to service plans not being signed by a registered nurse or resident representative, not being revised as resident needs changed, and lacking details on health-related services. Earlier inspections also noted issues with service plan updates, including failure to address fall interventions and toileting care, as well as involvement of residents and nurses in plan development. A substantiated complaint investigation in September 2025 identified a failure to prevent the elopement of a memory care resident due to inadequate safety policies and staff checks. Enforcement actions such as fines or license suspensions were not listed in the available reports. The pattern of deficiencies primarily involves service plan documentation and resident safety, with no clear improvement trend over time.

Community Care Program

Illinois CCP

Age 60+

General Illinois resident, at risk of nursing home placement.

Income Limits (2025) ~$1,215/month individual

Asset Limits $17,500 individual, excludes home, car

High demand in urban areas; waitlists possible.

Benefits

In-home care (3-5 hours/day) Adult day services ($65/day) Emergency home response systems ($30/month)

Illinois Respite Program

IL Respite (via NFCSP)

Age Caregiver of someone 60+ (or with dementia)

General Illinois resident.

Income Limits No strict limit; prioritizes low-income.

Asset Limits Not applicable.

Limited slots; urban/rural balance.

Benefits

In-home respite (4-6 hours/day) Adult day care (~$65/day) Short-term facility care (up to 5 days)

Supportive Living Program (SLP)

Illinois Medicaid Supportive Living Program

Age 65+ or 22-64 with disability

General Illinois resident, Medicaid-eligible, needs moderate assistance (not nursing home-level).

Income Limits (2025) ~$2,829/month (300% FBR, individual); QIT allowed.

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

~200 SLP sites statewide; room/board not covered.

Benefits

Personal care (5-7 hours/day, e.g., bathing, mobility) Meals Housekeeping Medication management Respite (~240 hours/year)

Persons Who Are Elderly Waiver

Illinois Medicaid Elderly Waiver

Age 65+

General Illinois 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).

Part of HealthChoice Illinois; consumer-directed options available.

Benefits

Personal care (5-7 hours/day, e.g., dressing, eating) Homemaker Adult day care (~$60/day) Respite (240 hours/year) Home mods ($1,000 avg.)

Medicare Savings Program (MSP)

Illinois Medicare Savings Program

Age 65+ or disabled

General Illinois 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%)

Senior Community Service Employment Program (SCSEP)

Illinois SCSEP

Age 55+

General unemployed, low-income, Illinois 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

Optional State Supplementation (OSS)

Illinois Optional State Supplementation

Age 65+ or disabled

General Illinois resident, in approved facility, SSI recipient or low-income.

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

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

~$50-$500/month based on facility type.

Benefits

Cash (~$50-$500/month) for room/board in personal care homes or SLFs

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

Illinois VA Aid and Attendance/Housebound

Age 65+ or disabled veteran/spouse

General Illinois 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 urban/rural areas.

Benefits

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

0.6 miles from city center Estimated distance in miles from Cary's city center to Three Oaks Assisted Living and Memory Care'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 Assisted Living around Mchenry County

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Clarendale of Algonquin	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.	Algonquin (West Algonquin Road)	110	No	49	11	A+	Algonquin Operations Llc	6	0	3	-
Three Oaks Assisted Living and Memory 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.	Cary	87	No	56	-	-	Cary Senior Living, Llc	10	1	6	-
The Courtyard at McHenry	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.	Mchenry	80	No	30	-	-	Encore Mchenry Llc	4	0	3	-
Heritage Woods of McHenry	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.	Mchenry	-	No	21	-	-	-	0	0	0	-
Shepherd Premier Senior Living	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.	Harvard	-	No	84	-	-	Shepherd Capital, Llc Harvard	2	1	0	-

Clarendale of Algonquin

Type of care: AL

Community:Location: Algonquin (West Algonquin Road)

Bed Count: 110

Pets Allowed: No

Three Oaks Assisted Living and Memory Care

Type of care: AL

Community:Location: Cary

Bed Count: 87

Pets Allowed: No

The Courtyard at McHenry

Type of care: AL

Community:Location: Mchenry

Bed Count: 80

Pets Allowed: No

Heritage Woods of McHenry

Type of care: AL

Community:Location: Mchenry

Pets Allowed: No

Shepherd Premier Senior Living

Type of care: AL

Community:Location: Harvard

Pets Allowed: No

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Three Oaks Assisted Living and Memory Care

Assisted Living in McHenry County

Assisted Living in McHenry County