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The 10 Best Nursing Homes in Carmel, IN for 2024

Carmel is an award-winning city that is home to a large number of older adults: Seniors 65 years of age and older make up 13.3% of the city’s 101,068 residents. They can access care at medical facilities such as Ascension St. Vincent Carmel and the IU Health North Hospital, both of which are capable of cancer and orthopedic care, among other specialties. For a semiprivate room in a nursing home, on a monthly basis, the average Carmel senior pays a bit less ($7,209) than does the average American ($7,756), according to the Genworth 2020 Cost of Care Survey.

Nursing homes provide a level of aid that is unsurpassed outside of hospital settings. Typically, help is available around the clock, and skilled care comes from registered nurses. Doctors regularly check in on patients. That means nursing homes usually cost more than home health care or assisted living. Those choices may be better for seniors able to go about their days without advanced levels of monitoring and assistance.

The topics of this guide are the cost of various senior care arrangements and the ways certain Carmel-area organizations support the city’s seniors.

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Nursing Home Facilities in Carmel, Indiana

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Nursing Home Costs in Carmel, Indiana

In Carmel, the average semiprivate nursing home room costs $7,209 per month, and the average private room costs $9,003 monthly.

The Cost of Nursing Home Care in Nearby Cities

Compared to those in the United States as a whole, Carmel’s nursing homes charge $547 less per month, on average, for semiprivate rooms. However, Indiana’s statewide average cost is $7,133, or $76 less than Carmel’s.

Regarding nearby cities, for semiprivate rooms, the nursing homes of Terre Haute and Muncie charge $6,464 and 6,578 per month, respectively. That makes them noticeably cheaper than Carmel. However, Carmel is only $61 more expensive than Bloomington. Columbus, meanwhile, is pricier than Carmel, at $7,254 per month.

Carmel

$7,209

Indiana

$7,133

The United States

$7,756

Muncie

$6,578

Columbus

$7,254

Terre Haute

$6,464

The Cost of Other Types of Senior Care

Long-term planning decisions may become easier with a grasp of different care types’ price points. In Carmel, the least expensive option is adult day health care ($1,679 per month). The corresponding rates for home care and home health care are $4,385 and $4,767, respectively. Assisted living facilities average $4,573 monthly. Semiprivate nursing home rooms cost an average of $7,209, and private rooms run an average of $9,003.

Home care

$4,385

Home health care

$4,767

Adult day health care

$1,679

Assisted living

$4,573

Nursing home (semiprivate room)

$7,209

Nursing home (private room)

$9,003

Note: Data for Carmel was unavailable, so data for the nearest city, Indianapolis, was used instead.

Financial Assistance for Nursing Home Care in Carmel, Indiana

Many seniors and their families use some form of financial assistance to help them pay for nursing care. The main options available are Medicare, Medicaid, and veterans benefits. These programs can be complicated, especially when it comes to benefit terms. Below, we give a brief overview of how these programs may be used towards paying for skilled nursing care.

  • Medicare: Medicare will typically cover all skilled nursing costs for the first 20 days of one’s stay in a nursing home and a portion of the costs until day 100. After 100 days in a skilled nursing facility, Medicare will not cover any part of the cost of the stay. While this is adequate when short-term care is needed, those in need of long-term care will need to either pay out-of-pocket or use another source of financial assistance.
  • Medicaid: Medicaid covers most of the costs of living in a skilled nursing facility for those who qualify. Care, room, and board are covered with no time limit, but residents may be charged for extras like specially prepared food or cosmetic services. Medicaid eligibility standards are strict and complex, so not all seniors are eligible for Medicaid benefits.
  • Veterans Benefits: Veterans receiving a VA pension may also be eligible for the Aid and Attendance benefit administered by the VA. Aid and Attendance is a monthly allowance that beneficiaries may use to pay for their long-term care, including skilled nursing care.

If these options aren’t available to you, check if your loved one has long-term care insurance or contact your Area Agency on Aging to ask about any local financial assistance programs for seniors.

Free Resources for Seniors in Carmel, Indiana

Different resources can help seniors in need of varying levels of aid. Some of the below offerings make it more feasible for seniors to age in place at home, thus pushing the need for more advanced care farther into the future. Other services make it easier to transition into senior living arrangements with higher levels of oversight and assistance, such as nursing homes, once that becomes necessary.

ResourceContactService
Meals on Wheels Hamilton County(317) 776-7159
Homebound seniors who are unable to obtain or prepare food can receive help from Meals on Wheels, which delivers meals to those in need. No income restrictions apply. The organization accepts referrals, and individuals can also apply on their own. Meals on Wheels contacts enrollees’ physicians for advice on formulating meal plans. The organization delivers both hot lunches as well as frozen meals for weekends. In some circumstances, Meals on Wheels subsidizes the cost of food deliveries. Pet food is available, too.
Veterans Services(317) 776-9610
In Hamilton County, the Veterans Services office assists seniors who served in the military as well as their dependents. Survivors may contact the office for aid, too. Among other matters, help is available with burial and health care benefits as well as life insurance and pensions. The office may be able to help seniors access long-term care, including in a VA-affiliated nursing home.
Shepherd’s Center of Hamilton County(317) 674-8777
The Shepherd’s Center runs multiple programs that help older adults. For instance, volunteers from the Community Care program assist with house cleaning, transportation and other daily tasks. Another program is Reaching Resources, which helps seniors find other sources of aid. Additionally, its Guardianship Program assists incapacitated seniors. Anyone 55 years of age or older can access the center’s offerings at no cost. 
PrimeLife Enrichment(317) 815-7000
PrimeLife Enrichment’s Community Outreach program aids individuals 50 years of age and older in locating helpful support services. Additionally, the program’s coordinator can assist in situations involving medical problems, abuse and other issues. PrimeLife also makes volunteers available to homebound seniors; the volunteers provide companionship and assistance. Non-emergency transportation is another offering.
CICOA Aging & In-Home Solutions(317) 254-5465
As the Area Agency on Aging serving Carmel, CICOA makes seniors’ lives easier in a variety of ways. Its counselors help seniors maximize Medicare and Medicaid benefits. Additionally, its Aging & Disability Resource Center agents answer callers’ questions regarding long-term care facilities, among other topics.

Reviews of Communities Nearby

Nursing Homes

YSK

I am a friend or relative of a current/past resident

Review of Carmel Health & Living Community

August 26, 2023. There is COVID in the facility! There is no posting on the door to this section that 3 people have tested positive to covid. This facility is very large with many different in and...

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Nursing Homes

MelBil

I am a friend or relative of a current/past resident

Review of Wellbrooke of Carmel

My husband was in Wellbrook for 2 weeks after 2 weeks in the hospital for CHF. The rehab was first class, top notch rehabilitation. He went from a wheelchair to a walker within days. And came home...

Provider response

Hello, we are thrilled to hear that your husband's stay at Wellbrooke of Carmel was so positive and restorative. Resident care is our top priority, so it means a lot to know that our high standards...

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Nursing Homes

ynhappy

I am a friend or relative of a current/past resident

Review of Carmel Health & Living Community

Care on the weekends is terrible . They have little staff and residents have to fend for themselves. During the week it's not to bad but all it takes is one infection that goes unchecked and your...

Read more

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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