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.

Westminster Terrace | Nursing Home in Louisville, KY

Overview of Westminster Terrace

Westminster Terrace is a senior living community located in Westminster, California. It offers assisted living, independent living, and short-term stay options, providing personalized care in a warm, home-like environment. Residents can enjoy a variety of amenities and engaging activities designed to enhance their well-being.

(502) 499-9383 info@westminsterterrace.com

Capacity and availability

Medium-capacity home

Offers a balance of services and community atmosphere.

Total beds 112

95 days

TYPE OF STAY

Mostly short-term rehab stays

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

Might be optimal for

Short stays Recovery Medicare-covered care

How we assess these insights Show admissions and discharges

Breakdown by payment type

Medicare

67% of new residents, usually for short-term rehab.

Typical stay 27 days

Private pay

17% of new residents, often for short stays.

Typical stay 1 years

Medicaid

17% of new residents, often for long-term daily care.

Typical stay 11 - 12 years

Finances and operations

Home revenue

$2.2M

Operating deficit

-$728.4K

Voluntary non-profit community Operated by a church.

Home revenue

$2.2M

Operating deficit

-$728.4K

Payroll costs

$1.5M

67% of revenue

Other operating costs

$1.4M

Total costs $2.9M

112-bed community

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

16 years in operation

A community with a solid operating history and experience delivering ongoing care.

About this community

Occupancy

Occupancy rate

36%

In line with Kentucky average

Occupied beds

40 / 112

Average residents 80 per day

Facility TypeLong Term Care (nursing Facility)

StatusActive

IssuanceNovember 1, 2024

CountyJefferson

License Number100242

CMS Certification Number185137

RCFE Number306006195

AwardsBest Business of 2025, Best in Senior Living

Westminster Terrace is administrated by Gary Preece.

Owner NamePRESBYTERIAN HOMES AND SERVICES OF KY, INC.

Emergency SystemsEmergency Call System

Safety FeaturesSecure Environment

Respite Care

24-Hour Staffing

Pets Allowed

HousekeepingYes

Linen ServiceYes

ActivitiesEngaging activities and outings available.

Religious ServicesYes

Food DescriptionGourmet meals prepared with fresh, locally sourced ingredients, catering to residents' dietary needs.

Meals IncludedYes

Meal Schedule3 Nutritious Meals Served Daily; Snacks and Hydration Offered 24/7

Compare Nursing Homes around Louisville

5 facilities compared · CMS & KY Dept. of Health data · Updated Apr 2026

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Cherokee Park Rehabilitation		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.	Louisville (Highlands Douglass)	104	87.1%	+7%	3.36				+67%	-10%	1	35	11.7	5	93	A+	49	Cherokee Park Rehabilitation, Llc	$11.4M	$5.5M	48.8%	185237
Christian Health Center of Louisville		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.	Louisville (Old Louisville)	122	71.5%	-12%	3.45				-26%	-8%	0	16	3.2	0	104	-	83	-	$12.8M	$4.2M	32.4%	185029
Westminster Terrace	-	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.	Louisville	86	35.7%	-56%	-	-	-	-	-	-	0	0	0.0	0	-	-	-	#N/A	$2.2M	$1.5M	67.1%	185137
Chestnut Ridge Health & Rehabilitation	-	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.	Louisville (Old Louisville)	92	-	-	-	-	-	-	-	-	0	0	0.0	0	-	-	-	-	-	-	-	-
Eastern Star Home in Ky	-	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.	Louisville (Cherokee Triangle)	42	-	-	-	-	-	-	-	-	0	0	0.0	0	-	-	-	-	-	-	-	-

Cherokee Park Rehabilitation

Overall Rating:

Type of care: NH AL

Community: Louisville (Highlands Douglass)

Bed Count: 104

Occupancy: 87.1%

Occupancy vs State Avg: +7%

Nurse hrs per resident/day: 3.4

Health Insp Rating:

Staffing Rating:

QM Rating:

+67%

Staffing vs State Avg: -10%

Number of Fines: 1

Citations: 35

Citations per Inspection: 11.7

Severe Citations: 5

Avg Residents/Day: 93

Operator: Cherokee Park Rehabilitation, Llc

Home Revenue: $11,355,698.00

Payroll Costs: $5,544,460.00

Payroll %: 48.8%

CCN: 185237

Christian Health Center of Louisville

Overall Rating:

Type of care: NH AL

Community: Louisville (Old Louisville)

Bed Count: 122

Occupancy: 71.5%

Occupancy vs State Avg: -12%

Nurse hrs per resident/day: 3.4

Health Insp Rating:

Staffing Rating:

QM Rating:

-26%

Staffing vs State Avg: -8%

Citations: 16

Citations per Inspection: 3.2

Avg Residents/Day: 103.50

Home Revenue: $12,845,700.00

Payroll Costs: $4,162,400.00

Payroll %: 32.4%

CCN: 185029

Westminster Terrace

Type of care: NH AL

Community: Louisville

Bed Count: 86

Occupancy: 35.7%

Occupancy vs State Avg: -56%

Citations per Inspection: 0.0

Operator: #N/A

Home Revenue: $2,174,370.00

Payroll Costs: $1,458,090.00

Payroll %: 67.1%

CCN: 185137

Chestnut Ridge Health & Rehabilitation

Type of care: NH AL

Community: Louisville (Old Louisville)

Bed Count: 92

Citations per Inspection: 0.0

Eastern Star Home in Ky

Type of care: NH AL

Community: Louisville (Cherokee Triangle)

Bed Count: 42

Citations per Inspection: 0.0

Nursing Home Explorer

Living Spaces & Floor Plans

Boardwalk Floor Plan

Coast Floor Plan

Cove Floor Plan

Current Floor Plan

Dune Floor Plan

Sea Breeze 1 Bedroom Floor Plan

Sea Breeze 2 Bedroom Floor Plan

Home and Community Based Waiver

Kentucky Medicaid HCB Waiver

Age 65+ or disabled

General Kentucky 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).

Rural focus; waitlists possible.

Benefits

Personal care (5-7 hours/day) Respite (240 hours/year) Homemaker services Home modifications

Hart-Supported Living Program

KY Hart-Supported Living

Age 65+ or disabled

General Kentucky resident.

Income Limits No strict limit; prioritizes low-income.

Asset Limits Not applicable.

Competitive grants; limited availability.

Benefits

In-home support (up to 10 hours/week) Respite (varies) Adaptive equipment (~$500 avg.)

Kentucky Homecare Program

Age 60+

General Kentucky resident, at risk of nursing home placement, not eligible for Medicaid waivers.

Income Limits (2025) No strict limit; prioritizes low-income ~$24,980/year individual

Asset Limits Not assessed; need-based focus.

15 AAAs; rural focus; not in nursing homes.

Benefits

Personal care (4-6 hours/day) Respite (5 days/year) Chore services Meal delivery ($7/meal) Minor home repairs

Medicare Savings Program (MSP)

Kentucky Medicare Savings Program

Age 65+ or disabled

General Kentucky 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; auto Extra Help for Part D.

Benefits

Covers Part B premiums ($174.70/month) Deductibles ($240/year) Copays (~20%)

National Family Caregiver Support Program (NFCSP) Respite

Kentucky NFCSP Respite Care

Age —

General Caregivers of 60+ needing care or 55+ caregivers of others; Kentucky resident; functional needs (2+ ADLs).

Income Limits (2025) Prioritizes ~$24,980/year (individual); no strict cap.

Asset Limits Not assessed; need-based.

15 AAAs; prioritizes low-income, rural caregivers.

Benefits

Respite (4-6 hours/week or 5 days/year) Adult day care ($55/day) Caregiver training Supplies (~$500/year)

Kentucky Family Caregiver Program

Age —

General Grandparents (often 55+) as primary caregivers to grandchildren under 18, Kentucky resident, not on Kinship Care.

Income Limits (2025) ~$31,225/year (individual); varies by AAA.

Asset Limits Not strictly assessed; need-based.

Max $1,500/year; statewide via AAAs.

Benefits

Grants (~$500-$1,500/year) for respite Supplies Care costs; counseling Training

Senior Community Service Employment Program (SCSEP)

Kentucky SCSEP

Age 55+

General unemployed, low-income, Kentucky 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

Kentucky VA Aid and Attendance/Housebound

Age 65+ or disabled veteran/spouse

General Kentucky 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 rural areas.

Benefits

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

7.1 miles from city center Estimated distance in miles from LOUISVILLE's city center to Westminster Terrace's address, calculated via Google Maps.

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Financial Trends

Historical financial and operational data for Westminster Terrace based on CMS SNF Cost Reports.

Occupancy Rate 35.7% ↓ 12.8pp vs 2022

Net Income -$728.4K ↑ ~$2.9M vs 2022

Total Payroll $1.7M ↓ ~$4.0M vs 2022

Profit Margin -33.5% ↑ 13.9pp vs 2022

Loading trend charts...

Metric	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Occupancy %	83.6%	84.6%	79.8%	79.4%	84.7%	81.0%	85.2%	82.8%	85.1%	79.1%	70.0%	48.6%	35.7%
Beds	112	112	112	112	112	112	112	112	112	112	112	108	86
Net Income	-$220,891	$405,367	-$285,468	-$279,558	-$261,959	-$2,785,386	-$563,613	-$666,133	-$1,000,845	-$894,674	-$2,641,929	-$3,609,291	-$728,396
Gross Revenue	$10,050,012	$10,446,345	$9,834,304	$9,899,421	$11,087,123	$10,345,592	$12,505,446	$11,809,648	$12,110,323	$11,971,862	$10,826,872	$7,619,142	$2,174,370
Operating Expenses	$7,933,301	$7,809,291	$8,084,272	$8,285,420	$9,004,524	$9,358,030	$10,782,404	$10,412,303	$10,534,451	$11,226,375	$11,740,943	$10,282,337	$2,554,168
Net Patient Revenue	$7,711,863	$8,150,260	$7,854,509	$8,008,684	$8,707,885	$6,530,584	$10,158,922	$9,738,306	$9,535,201	$9,382,769	$8,953,684	$6,652,961	$1,824,555
Total Payroll	$4,704,594	$4,726,098	$5,049,679	$5,159,925	$5,563,120	$5,645,290	$6,466,295	$6,265,233	$6,197,603	$6,818,242	$7,591,598	$5,682,334	$1,700,323
Profit Margin %	-2.2%	3.9%	-2.9%	-2.8%	-2.4%	-26.9%	-4.5%	-5.6%	-8.3%	-7.5%	-24.4%	-47.4%	-33.5%
Medicare %	8.9%	11.1%	11.3%	13.5%	13.0%	11.0%	12.5%	9.8%	8.3%	7.9%	6.5%	4.6%	2.3%
Medicaid %	64.6%	61.0%	55.1%	57.9%	64.1%	66.7%	67.0%	67.7%	69.6%	70.3%	76.4%	79.1%	88.4%
Private %	26.5%	27.9%	33.7%	28.7%	22.8%	22.3%	20.4%	22.5%	22.1%	21.8%	17.1%	16.3%	9.3%
Revenue/Day	$226	$235	$241	$247	$252	$197	$292	$288	$274	$289	$313	$348	$376
Cost/Day	$232	$225	$248	$255	$260	$282	$310	$308	$303	$346	$410	$537	$526
Avg Length of Stay	186.6 days	167.6 days	156.9 days	139.4 days	127.2 days	120.8 days	150.1 days	133.2 days	137.5 days	173.4 days	198.8 days	299.1 days	95.2 days

Guides for Better Senior Living

Care Cost Calculator: See Prices in Your Area

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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

Westminster Terrace

Nursing Home in Louisville

Nursing Home in Louisville

Overview of Westminster Terrace

Capacity and availability

Medium-capacity home

Who this home usually serves

Mostly short-term rehab stays

Breakdown by payment type

Medicare

Private pay

Medicaid

Finances and operations

About this community

Occupancy

License Details

Ownership & Operating Entity

Safety & Compliance

Therapy & Rehabilitation

Staffing & Medical

Additional Policies & Features

Amenities & Lifestyle

Dining & Nutrition

Contact Westminster Terrace

Compare Nursing Homes around Louisville The information below is reported by the Kentucky Cabinet for Health and Family Services, Office of Inspector General.

Living Spaces & Floor Plans

Boardwalk Floor Plan

Coast Floor Plan

Cove Floor Plan

Current Floor Plan

Dune Floor Plan

Sea Breeze 1 Bedroom Floor Plan

Sea Breeze 2 Bedroom Floor Plan

Financial Assistance for Nursing Home in Kentucky

Home and Community Based Waiver

Hart-Supported Living Program

Kentucky Homecare Program

Medicare Savings Program (MSP)

National Family Caregiver Support Program (NFCSP) Respite

Kentucky Family Caregiver Program

Senior Community Service Employment Program (SCSEP)

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

Places of interest near Westminster Terrace

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Financial Trends

Financial Performance

Payroll & Labor Costs

Payer Mix (percentage)

Guides for Better Senior Living

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Touring Checklist for Senior Living

Location

Community Spaces and Overall Environment

Services

Staffing

Accommodations

Finances

Other Notes

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