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The 10 Best Assisted Living Facilities in Carmel, IN for 2024

Carmel is the capital city of Indiana and is located in the heart of the state. The city has seen a lot of investment over the last several years, and its population has grown from just over 79,000 in 2010 to 99,757 in 2020. The city’s downtown area is thriving, and there’s a wealth of recreational opportunities for active older adults. These opportunities come with the price of an above-average cost of living. However, many seniors are happy to pay a little more to live in the cultural heart of the state.

Assisted living facilities offer seniors the chance to live relatively independently in accessible studios or other similar accommodation where they can receive help with the activities of daily living. These facilities are designed for seniors who find living alone difficult but don’t require around-the-clock medical care. Assisted living facilities in the Carmel/Indianapolis area typically charge $4,478 per month, which is close to the national average of $4,500.

This guide looks at the cost of assisted living and other similar senior care services in Carmel. It also covers the benefits and downsides of living in Carmel and lists some free resources and nonprofit organizations that support local seniors.

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Assisted Living Facilities in Carmel, Indiana

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What to Consider About Assisted Living in Carmel

The Indiana Residential Care Facility Licensing Program oversees the licensing and inspection of facilities operating in the state. Assisted living facilities are required to abide by state laws and regulations relating to the standard of accommodations, staffing, food safety and the provision of healthcare. The Long Term Care Ombudsman responds to any complaints or concerns about Indiana facilities.

Benefits and Drawbacks of Assisted Living in Carmel

  • The weather in Carmel is quite comfortable for most of the year. June, August and September are typically pleasant months. The city sees some rainfall throughout the year, and snow during the winter months. This means there are several months each year when active seniors can take advantage of the area’s many leisure opportunities.
  • The air quality in Carmel is excellent. Ozone, nitrogen dioxide and particulate matter levels are all low. This may be important for seniors who are living with respiratory issues because pollution can aggravate certain conditions.
  • Both violent crime and property crime levels in Carmel are much lower than the national average. Seniors can feel safe while out running errands or socializing in the city.
  • It’s easy for seniors living in Carmel to stay connected with their local community. The city offers a variety of public transportation options, and there are door-to-door senior transit services helping residents attend medical appointments, get to senior centers or run errands.
  • There are several hospitals in Carmel, including the IU Health North hospital and the Ascension St. Vincent hospital. Seniors should find it easy to access the healthcare they need, and healthcare costs are below average for the United States.

Paying for Assisted Living in Carmel

The Genworth Financial Cost of Care Survey lists the average cost of assisted living in Carmel as $4,478 per month. This is slightly lower than the national average of $4,500 but makes Carmel more expensive than the Indiana average of $4,283.

The Cost Of Assisted Living in Nearby Cities

Carmel’s assisted living facilities cost slightly more than the Indiana average. Fees are far lower further north in Fort Wayne ($3,485) and Michigan City ($3,617). Nearby Evansville is also relatively affordable, with monthly fees of $4,389. Terre Haute is one of the more expensive cities in the state, with facilities charging average fees of $4,948 per month.

Carmel

$4,478

Indiana

$4,283

The United States

$4,500

Fort Wayne

$3,485

Michigan City

$3,617

Evansville

$4,389

Terre Haute

$4,948

The Cost of Other Types of Senior Care

In addition to assisted living, Carmel seniors have several other options for care services. Adult day care is the most affordable option, at just $1,625 for support during daytime hours in a group setting. In-home services vary from $5,053 for personal care or $4,957 for some limited nursing support. A semiprivate room in a nursing facility is around $7,057, but private rooms are much more expensive, averaging $8,973 per month.

Homemaker Services

$5,053

Home Health Care

$4,957

Adult Day Health Care

$1,625

Assisted Living Facility

$4,478

Nursing Home Facility (semiprivate room)

$7,057

Nursing Home Facility (private room)

$8,973

Financial Assistance for Assisted Living in Carmel

Low-income seniors in Carmel have access to two programs that can help them cover the expenses of assisted living. These include Supplemental Security Income – Category G and Indiana Medicaid. Carmel does not have an assisted living community that participates in the Indiana Residential Care Assistance Program.

Learn more about these programs, plus who’s eligible, on our Assisted Living in Indiana page

Paying for Assisted Living Facilities in Indiana

More Ways to Pay for Assisted Living

While many families use their own funds or personal assets to pay for assisted living, there are plenty of additional options to cover these costs. Some additional ways to finance assisted living costs include:

  • Veterans Benefits
  • Life Insurance Policy
  • Long-Term Care Insurance
  • Reverse Mortgage

For more information about different ways to finance assisted living, visit our Assisted Living in Indiana page.

Free Assisted Living Resources in Carmel

Seniors planning on spending their retirement years in Carmel can take advantage of a variety of support services from nonprofit organizations and the local government. These organizations offer wellness services, social activities and benefit assistance.

ResourceContactService
CICOA Aging and In-Home Services(800) 432-2422CICOA Aging and In-Home Services runs a range of programs for local older adults. It delivers senior meals, transportation and caregiver support programs. CICOA also runs Aging and Disability Resource Centers and provides seniors with care management services, helping them understand their care options and arrange suitable care.
Carmel Clay Parks and Recreation(317) 848-7275Carmel Clay Parks and Recreation runs a variety of senior programs for the city's older residents. Programs are delivered in accessible senior centers and include everything from social gatherings and fitness classes to wellness programs and fall prevention sessions.
Hamilton County Veterans Service Office(317) 776-9610Hamilton County Veterans Service Office works with veterans and their immediate families, helping them access the practical and financial support they need. The VSO can advise on pensions, benefits and other payments veterans may qualify for. They can also help veterans access healthcare, housing support and other services.

Assisted Living Laws and Regulations in Carmel

Carmel Assisted Living Communities must adhere to the comprehensive set of state laws and regulations that all Assisted Living Facilities in Indiana are required to follow. Visit our Assisted Living in Indiana page for more information about these laws.

Assisted Living Laws and Regulations in Indiana

Reviews of Communities Nearby

Assisted Living

Patty G.

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

Review of Independence Village of Carmel

My Mom very reluctantly moved into Independence Village of Carmel (IVC) about two years ago. She was very sad about having to leave her home in North West Indiana but she needed to be closer to me...

Provider response

Hi Patty, We are so grateful to have your mom in our community. We understand the challenges that come with the transition from home to a community, and we always work to make that as seamless as...

Read more

Assisted Living

Linda Seitz

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

Review of Independence Village of Carmel

The staff is very friendly and try to help in any way they can. They seem to really enjoy their jobs and go out of their way to help if they are able. They have activities like movies, puzzles...

Read more

Assisted Living

Marlene

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

Review of Wellbrooke of Carmel

My husband was at Wellbrooke of Carmel for respite care, and we liked everything about it. It was an older facility, but it was very well-kept. We were pleased with the care that he got and the...

Provider response

Hi Marlene, we are so happy to hear that you and your husband were pleased with his experience at Wellbrooke of Carmel. Resident care is our top priority, and we take pride in our stellar care, our...

Read more

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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

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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