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Article: How to get Medicare and Medicaid to Pay for Assisted Living

West Bend Nursing and Rehabilitation

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Description

A community that is filled with a professional and dedicated care staff who strive to make a difference in their residents’ lives, West Bend Nursing and Rehabilitation offers a continuum of nursing home services– respite care, hospice care, skilled nursing, and rehabilitation; as well as focusing on assisted living and memory care service. The elegant nursing home is a resident-centered community where residents can thrive and reach their fullest potential to be a new version of themselves.
West Bend strives to ensure excellent hospital-like service in a comfortable, homey environment. Services at the nursing home are interdisciplinary, focusing on the specific healing process for each resident: outpatient therapy, long-term care, and short-term care; activities and programs focus on functional communication, cognitive skills, and physical movement. As convenience is the heart of their service, medical services and physicians are available in the community. 

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Claim What’s Yours: Financial Aid for Indiana Seniors

Program
State Program Name
Eligibility
Benefits
Aged and Disabled Waiver
Indiana Medicaid A&D Waiver
  • General: Age 65+ or disabled, 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).
  • IN Specifics: Requires level-of-care determination.
  • Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$60/day), home health services.
CHOICE Program
Indiana CHOICE
  • General: Age 60+, Indiana resident, at risk of nursing home.
  • Income Limits: ~$2,000/month (varies).
  • Asset Limits: $10,000 (individual).
  • IN Specifics: Limited funding; regional variation.
  • Services: 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
  • General: Age 65+, 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).
  • IN Specifics: ~50 facilities statewide; per diem rate set by FSSA.
  • Services: Room/board, laundry, minimal care coordination (~$20-$50/day subsidy).
Medicare Savings Program (MSP)
Indiana Medicare Savings Program
  • General: Age 65+ or disabled, 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).
  • IN Specifics: Three tiers; no waitlist.
  • Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).
National Family Caregiver Support Program (NFCSP) Respite
Indiana NFCSP Respite Care
  • 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.
  • IN Specifics: 16 AAAs; prioritizes low-income, rural caregivers.
  • Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), caregiver training.
Senior Community Service Employment Program (SCSEP)
Indiana SCSEP
  • General: Age 55+, unemployed, low-income, Indiana resident.
  • Income Limits (2025): ~$1,983/month (125% FPL).
  • Asset Limits: Not specified; income-focused.
  • IN Specifics: Priority for veterans, rural residents.
  • Services: 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
  • General: Age 65+ or disabled veteran/spouse, 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).
  • IN Specifics: High veteran demand statewide.
  • Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).

Claim What’s Yours Financial Aid for Indiana Seniors

Indiana Medicaid A&D Waiver

Aged and Disabled Waiver

Eligibility
  • General: Age 65+ or disabled, 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).
  • IN Specifics: Requires level-of-care determination.
Benefits
  • Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$60/day), home health services.
Indiana CHOICE

CHOICE Program

Eligibility
  • General: Age 60+, Indiana resident, at risk of nursing home.
  • Income Limits: ~$2,000/month (varies).
  • Asset Limits: $10,000 (individual).
  • IN Specifics: Limited funding; regional variation.
Benefits
  • Services: In-home care (3-5 hours/week), respite (up to 10 days/year), transportation (~5 trips/month).
Indiana Residential Care Assistance Program

Residential Care Assistance Program (RCAP)

Eligibility
  • General: Age 65+, 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).
  • IN Specifics: ~50 facilities statewide; per diem rate set by FSSA.
Benefits
  • Services: Room/board, laundry, minimal care coordination (~$20-$50/day subsidy).
Indiana Medicare Savings Program

Medicare Savings Program (MSP)

Eligibility
  • General: Age 65+ or disabled, 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).
  • IN Specifics: Three tiers; no waitlist.
Benefits
  • Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).
Indiana NFCSP Respite Care

National Family Caregiver Support Program (NFCSP) Respite

Eligibility
  • 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.
  • IN Specifics: 16 AAAs; prioritizes low-income, rural caregivers.
Benefits
  • Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), caregiver training.
Indiana SCSEP

Senior Community Service Employment Program (SCSEP)

Eligibility
  • General: Age 55+, unemployed, low-income, Indiana resident.
  • Income Limits (2025): ~$1,983/month (125% FPL).
  • Asset Limits: Not specified; income-focused.
  • IN Specifics: Priority for veterans, rural residents.
Benefits
  • Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.
Indiana VA Aid and Attendance/Housebound

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

Eligibility
  • General: Age 65+ or disabled veteran/spouse, 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).
  • IN Specifics: High veteran demand statewide.
Benefits
  • Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).
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Community
Occupancy
Beds
Medicare Nights
Medicaid Nights
Free Market Days
Home Revenue
Payroll Costs
Home Costs
Owner
CCN
WELLBROOKE OF SOUTH BEND
68.43%
119
4979
4317
19474
$11,417,870.00
$4,457,389.00
$6,043,346.00
WISE, RAYNE
0155824
HEALTHWIN
82.76%
153
3534
25481
5179
$17,316,079.00
$10,202,675.00
$7,598,419.00
DAVIS, LAUREN
0155153
BRIARCLIFF HEALTH & REHABILITATION C
63.13%
111
2070
24511
4568
$12,341,547.00
$3,399,635.00
$6,628,045.00
BRIARCLIFF HEALTH CARE - SOUTH BEND LLC
0155831
CARDINAL NURSING & REHABILITATION
41.11%
144
821
21342
4156
$7,960,358.00
$3,987,372.00
$5,887,286.00
LAPE, KATHRYN
0155115
MAJESTIC CARE OF SOUTH BEND
78.54%
103
1717
15907
2908
$8,373,896.00
$2,313,195.00
$5,364,043.00
MAJESTIC CARE OF SOUTH BEND LLC
0155219
WEST BEND NURSING & REHABILITATION
34.01%
157
924
15083
4493
$6,827,020.00
$3,546,057.00
$4,157,676.00
BAILEY, EMILY
0155355
SOUTHFIELD VILLAGE INC.
82.83%
60
2460
10221
6768
$12,257,722.00
$3,107,940.00
$7,397,895.00
SOUTHFIELD VILLAGE INC
0155684
TRAILPOINT VILLAGE
49.78%
183
2088
29272
6158
$13,652,497.00
$7,915,791.00
$7,223,426.00
BRADFORD, KATRINA
0155103
HOLY CROSS REHABILITATION AND WELLNE
43.99%
168
3992
13666
6358
$16,242,199.00
$5,137,149.00
$5,762,963.00
0155506
THE MILTON HOME
79.71%
62
1427
6182
6737
$4,894,105.00
$1,814,147.00
$4,052,999.00
MILTON HOME NURSING HOME AND REHABILITATION
0155738
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