An estimated 110,000 Indiana residents live with Alzheimer’s disease and other forms of progressive-degenerative dementia, and that number is expected to rise to 130,000 by 2025, an increase of over 18%. Alzheimer’s is the sixth-leading cause of death in Indiana, and each year the disease claims more than 2,500 lives in the state.

Not only does dementia take a toll on seniors and the Medicaid system, but caring for a loved one with Alzheimer’s can be stressful and costly. It’s estimated that Indiana caregivers provide 385,000,000 unpaid care hours each year, and that care is valued at close to five billion dollars. Thankfully, recent advances in the treatment of dementia have led to the development of a number of specialized memory care programs and services throughout the U.S., including in Indiana.

Memory care can either be offered on its own in a community designed especially for those with dementia or Alzheimer’s, or, more often, it’s provided as a service in a separate wing of an assisted living facility. Memory care programs are designed specifically for those with memory impairment, and the facilities often coordinate social activities and schedules specifically for the needs of those living with Alzheimer’s or dementia.

This guide provides in-depth information on the cost of Memory care in Indiana, how those costs compare to nearby states, and an overview of the rules and regulations that apply to memory care communities in Indiana. There’s also information on financial assistance programs to help cover memory care costs, as well as free memory care resources for seniors, caregivers and family members.

The Cost of Memory Care in Indiana

Generally speaking, memory care costs are approximately 20-30% higher than assisted living costs. We’ve added 25% to the average cost of assisted living care, as shown in Genworth’s 2019 Cost of Care Survey to determine memory care costs in Indiana. As such, the average cost of memory care in Indiana is $5,125 per month, which is slightly above the national average of $5,064.

Memory Care Costs in Nearby States

Memory care costs in nearby Ohio ($5,425) and Illinois ($5,213) are slightly higher than costs in Indiana ($5,125). The monthly cost of residential memory care is slightly less than Indiana in Michigan ($5,000), while costs are significantly lower in Kentucky ($4,371).

$5125

Indiana

$5064

United States Average

$5425

Ohio

$5213

Illinois

$5000

Michigan

$4371

Kentucky

Cost of Other Types of Care in Indiana

Residential memory care is one of a number of long-term care options available to seniors in Indiana. The least-costly type of care is adult day health care at $1,842 per month, while skilled nursing care is the most expensive long-term care option at an average cost of $7,021 per month. Assisted living costs $4,100 per month, while 44 hours of weekly in-home care is $4,334 per month for a homemaker, and $4,385 per month for a home health aide.

$5124

Memory Care

$1842

Adult Day Health Care

$4334

In-Home Care

$4385

Home Health Care

$4100

Assisted Living Facility

$4100

Assisted Living Facility

$7021

Nursing Home Care

The Cost of Memory Care in Indiana’s Top Cities

As with other types of long-term care, memory care costs vary throughout the state and are loosely based on the local cost of living. At a monthly average cost of $7,106, memory care costs are highest in Muncie, while Bloomington has the lowest costs in the state at $3,713. Costs are also below the state average in Evansville ($4,771), Terre Haute ($4,125) and Columbus ($4,594), while costs are above-average in Michigan City ($5,644), Lafayette ($5,625) and South Bend ($5,341).

$3713

Bloomington

$4771

Evansville

$4125

Terre Haute

$4594

Columbus

$5341

South Bend

$5625

Lafayette

$5644

Michigan City

$7106

Muncie

Financial Assistance for Memory Care in Indiana

Indiana Medicaid Aged and Disabled Waiver

Indiana’s Aged and Disabled Waiver covers a wide range of services for adults who have been diagnosed with memory loss and meet the clinical criteria for nursing home placement, but who can safely live in a less-intrusive setting with the appropriate supports. Services are assigned on a case by case basis according to need, and may include assisted living, adult day care, attendant care, homemaker services and other services provided in a residential memory care program.

Who is Eligible?
To qualify for enrollment in the A&D Waiver, seniors must be aged 65 and older, or be designated as permanently disabled according to Indiana Medicaid standards and meet the financial criteria for Medicaid enrollment. They must also live in, or be transitioning to, a non-institutional setting such as a memory care facility, or an assisted living community.

How to Apply
To apply for the A&D Waiver, seniors or their representatives can contact their regional Area Agency on Aging/Aging and Disability Resource center by calling (800) 986-3505.

Indiana Residential Care Assistance Program

The Residential Care Assistance Program is a state-sponsored program administered through the Division of Aging. The program provides financial assistance to seniors who are unable to live independently due to age or disability, yet who don’t require placement in a skilled nursing facility.

Who is Eligible?
To qualify for financial support towards care costs through the Residential Care Assistance Program, applicants must:

  • Be aged 65 or older, or be designated permanently disabled according to Indiana Medicaid guidelines
  • Be a Medicaid beneficiary and/or a Supplemental Security Income recipient
  • Currently live in a RCAP-contracted residential facility, such as a county home, licensed residential care facility or Christian Science Home.

How to Apply
Applicants for the RCAP are managed by the RCAP-contracted facility and submitted on behalf of the resident to the Division of Family Resources.

VA Aid and Attendance and Housebound Allowance Benefits

VA Aid and Attendance and the Housebound Allowance are two VA pension top-up programs that eligible veterans, survivors and dependents can use to help cover memory care costs. These programs provide greater monthly cash benefits than the regular VA pension.

Who Is Eligible?
To qualify for either pension top-up program, applications must first qualify for the regular VA pension. Qualifying illnesses and/or disabilities for these programs do not need to be service-related.

For the Aid and Attendance benefit, applicants must need help from another person to perform one or more activities of daily living, be confined to their bed due to chronic illness, live in a skilled nursing facility or be legally blind even when wearing prescription lenses for both eyes.

For the Housebound allowance, applicants must be rated as 100% disabled by the VA, and be largely housebound as a result of that disability.

How to Apply
To apply for VA Aid and Attendance Benefits or the VA Housebound Allowance, contact the nearest VA location or call the State of Illinois Department of Veterans’ Affairs at (800) 437-9824.

Free and Low-Cost Memory Care Resources in Indiana

There are a number of free and low-cost resources available to help those living with Alzheimer’s disease and dementia, and some programs also extend services to family members and caregivers as well. These resources include support groups, advocacy services, low-cost and free legal aid and assistance with finding a long-term care placement.

ContactServices Provided
Area Agencies on Aging

(800) 986-3505Indiana’s statewide network of Area Agencies on Aging provides free case management, referrals, information and support to seniors and adults with disabilities. Seniors can contact their regional AAA by calling the toll-free AAA line.
State Health Insurance Program

1-(800) 452-4800

Seniors and their caregivers who need help navigating their Medicare, Medicaid, Medicaid Advantage and long-term care insurance options can contact the State Health Insurance Program. This program connects seniors with a trained SHIP counselor who provides unbiased information on health insurance in the state.
Center for At-Risk Elders

(317) 955-2790The Center for At-Risk Elders is a non-profit law firm that provides legal guardianship services to vulnerable seniors statewide.
Alzheimer’s Association – Greater Indiana Chapter

(800) 272-3900The Indiana Chapter of the Alzheimer’s Association, a national not-for-profit, provides a variety of services to those diagnosed with Alzheimer’s disease, as well as family members and caregivers. The AA coordinates patient and caregiver support groups, advocates on behalf of those living with memory loss, and can provide information on regional and statewide resources and services.
Indiana Alzheimer’s Disease Research Center

(317) 963-5500The Indiana Alzheimer’s Disease Research Center, located at the Indiana University School of Medicine, is one of 32 national centers committed to Alzheimer’s research. The Center works to advance medical knowledge of Alzheimer’s disease and other forms of dementia, and regularly recruits research participants who either have a family history of dementia, or are experiencing signs and symptoms of the disease.

Memory Care Laws and Regulations in Indiana

Indiana memory care facilities, including assisted living communities that offer memory care services, are regulated by the Indiana State Department of Health, Residential Care Facility Licensing Program. The following is a brief overview of the rules and regulations related to residential memory care in the state.

Scope of CareFacilities that provide room and board to five or more residents must offer activities and programming that is dignified, age-appropriate and designed to meet the unique needs of those living with memory loss. Facilities may not admit any resident with medical or behavioral needs that cannot be safely managed in a non-medical residential setting.
Care Plan RequirementsEach resident of a memory care facility must undergo a comprehensive pre-admission assessment to determine their suitability for placement, and a care plan must be written and reviewed at least once every six months.
Medication Management RequirementsStaff may assist with self-administration of prescription and over-the-counter medications, so long as those medications are used under order of a licensed physician. Licensed nursing staff may administer medication if permitted under their license.
Staff Screening RequirementsFacilities must have written procedures that outline the screening of prospective employees, and these procedures must consider personal and professional references as well as any criminal convictions that could negatively impact vulnerable residents.
Staff Training RequirementsMemory care facility administrators must complete a minimum of 40 hours continuing education related to residential care every two years, and directors of memory care units must have a minimum of 12 hours dementia-specific training.
Medicaid CoverageIndiana’s Medicaid program covers the cost of residential memory care through the Home and Community-Based Aged and Disabled Waiver.
Reporting AbuseConcerns regarding the physical, emotional or mental abuse of a long-term care resident should be reported to Indiana’s Long-Term Care Ombudsman by calling 1-800-622-4484. The Ombudsman also deals with concerns about the quality of care in memory care programs. Situations that pose an immediate threat to the health and safety of a senior should be reported to local law enforcement agencies.

Frequently Asked Questions

How Much Does Memory Care Cost in Indiana?

The average monthly cost of residential memory care in Indiana is $5,125. Actual costs may be higher or lower than the state average depending on the location, the amenities and which services are included or excluded.

Does Indiana Medicaid Pay for Memory Care?

Yes. Indiana’s Aged and Disabled Waiver, a Medicaid Home and Community-Based Services Waiver, includes memory care benefits for eligible Medicaid beneficiaries.

What Security Features Are Present in Memory Care Facilities?

Memory care facilities are designed to provide those living with Alzheimer’s disease and other forms of dementia with safe environments that decrease the risk of wandering. Common security features in residential memory care facilities include delayed-exit doors, electronic locks on exterior doors and motion-activated sensors that alert staff when a resident tries to exit the building. Many facilities also have enclosed outdoor areas such as fenced gardens or courtyards, and some programs use WanderGuard, a wireless monitoring system.

What Are Activities of Daily Living?

Activities of daily living are the daily tasks everyone needs to perform in order to maintain basic health and hygiene. Also known as ADLs, these tasks include getting dressed, using the toilet, bathing and moving about one’s home. ADLs also include taking prescription medications, installing and adjusting prosthetic devices and preparing meals.

What Types of Services Does Memory Care Provide?

Residential memory care communities provide room and board in a specially-designed facility or unit. Services also include 24-hour supervision and support from specially-trained caregivers, housekeeping and laundry service, transportation to medical appointments and daily social and recreational programming that meets the unique needs of those living with memory loss.