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.

Directory of Nursing Homes in Carmel, IN

2016

The Stratford

2460 Glebe Street, Carmel, IN, 46032


Bridgewater Healthcare Center

14751 Carey Road Carmel, Carmel, IN, 46033

My mother who is in her 90s and nearly blind has been at Bridgewater for about 2 months. When she arrived, she was unable to hold her head up, had no motion in her left arm, was weak on the left side, … (read more)
My mother who is in her 90s and nearly blind has been at Bridgewater for about 2 months. When she arrived, she was unable to hold her head up, had no motion in her left arm, was weak on the left side, … (read more)

Carmel Health & Living Community

118 Medical Drive, Carmel, IN, 46032

I had a friend that was living at this facility and I visited her at least 3 times a week and she was always happy that she was there , I know that it is an older place but is very well taken care of … (read more)
I had a friend that was living at this facility and I visited her at least 3 times a week and she was always happy that she was there , I know that it is an older place but is very well taken care of … (read more)

Mcgivney Health Care Center

2907 EAST 136TH STREET, Carmel, IN, 46033

I have no idea why Medicaire has given this wonderful center such low marks. My Dad has been at McGivney for over 2 years after having been at 3 others in the Indianapolis area. In my opinion, there … (read more)
I have no idea why Medicaire has given this wonderful center such low marks. My Dad has been at McGivney for over 2 years after having been at 3 others in the Indianapolis area. In my opinion, there … (read more)

Cottages of Carmel

495 Firefly Lane, Carmel, IN, 46032

Cottages of Carmel is located in beautiful downtown Carmel. This facility is top notch cleanly, and offers its residents a fully catered meal three times a day. With lots of activities planned daily t … (read more)
Cottages of Carmel is located in beautiful downtown Carmel. This facility is top notch cleanly, and offers its residents a fully catered meal three times a day. With lots of activities planned daily t … (read more)

Carmel Care Center

118 MEDICAL DRIVE, Carmel, IN, 46032


WELLBROOKE OF CARMEL

12315 PENNSYLVANIA STREET, Carmel, IN, 46032


BARRINGTON OF CARMEL, THE

1335 S GUILFORD ROAD, Carmel, IN, 46032


Green House Cottages Of Carmel

616 Green House Way, Carmel, IN, 46032


Hamilton Trace

11851 Cumberland Road, Fishers, IN, 46037

Staff does not answer the phone when trying to get information about relative. Communication between buildings is terrible!
Staff does not answer the phone when trying to get information about relative. Communication between buildings is terrible!

Harbour Manor & The Lodge

1667 Sheridan Rd, Noblesville, IN, 46062

My brother is in Harbour Manor. He’s been in the rehabilitation wing for a little bit now. They’re very friendly. The staff is willing to do whatever they need to do. He’s so far been very satisfied w … (read more)
My brother is in Harbour Manor. He’s been in the rehabilitation wing for a little bit now. They’re very friendly. The staff is willing to do whatever they need to do. He’s so far been very satisfied w … (read more)

The Forum at the Crossing

8505 Woodfield Crossing Blvd, Indianapolis, IN, 46240

Beautiful new facility with state of the art equipment and surroundings. Bright and sunny. Wonderful attentive staff.
Beautiful new facility with state of the art equipment and surroundings. Bright and sunny. Wonderful attentive staff.

Marquette

8140 Township Line Rd, Indianapolis, IN, 46260

Our mom just went into the ‘Skilled Nursing’ part of the "Health Center". There are lights flashing all the time & no one is in a hurry to respond. I see staff chatting. If you talk to them, or … (read more)
Our mom just went into the ‘Skilled Nursing’ part of the "Health Center". There are lights flashing all the time & no one is in a hurry to respond. I see staff chatting. If you talk to them, or … (read more)

Riverwalk Village

295 Westfield Rd., Noblesville, IN, 46060

My dad’s rehab was here after hip replacement surgery. Staff was very quick with his needs and therapy was good at keeping him motivated. They gave him therapy exercises he could do at home which I re … (read more)
My dad’s rehab was here after hip replacement surgery. Staff was very quick with his needs and therapy was good at keeping him motivated. They gave him therapy exercises he could do at home which I re … (read more)

St Augustine Home For the Aged

2345 WEST 86TH STREET, Indianapolis, IN, 46260

My mother Faye was a resident here. She was an active member of the St. AUGUSTINE GUILD for many years until she fell ill. Her short time living here was exceptional..The rooms are spacious and comfor … (read more)
My mother Faye was a resident here. She was an active member of the St. AUGUSTINE GUILD for many years until she fell ill. Her short time living here was exceptional..The rooms are spacious and comfor … (read more)

Golden Living Center Willow Springs

2002 West 86 Th Street, Indianapolis, IN, 46260

Golden Living Center Willow Springs has single rooms and they also have double rooms. The facility was very clean, it was a nice facility. It was an older property, but it was well-maintained, and the … (read more)
Golden Living Center Willow Springs has single rooms and they also have double rooms. The facility was very clean, it was a nice facility. It was an older property, but it was well-maintained, and the … (read more)

Maple Park Village

776 N. Union St., Westfield, IN, 46074

My mother is now in Maple Park Village. It is more like a hospital-like environment. The rooms are shared, a little bit more clinical, and the beds are hospital-issued beds. However, they keep my moth … (read more)
My mother is now in Maple Park Village. It is more like a hospital-like environment. The rooms are shared, a little bit more clinical, and the beds are hospital-issued beds. However, they keep my moth … (read more)

Spring Mill Meadows

2140 W. 86th St, Indianapolis, IN, 46260

Spring Mill Meadows was a very comfortable and quiet place. The staff was nice and great. The place was family home-like, nice and clean. The dining area was nice and clean, too. They will also cook f … (read more)
Spring Mill Meadows was a very comfortable and quiet place. The staff was nice and great. The place was family home-like, nice and clean. The dining area was nice and clean, too. They will also cook f … (read more)

Allisonville Meadows Healthcare

10312 Allisonville Rd., Fishers, IN, 46038

My uncle was in Allisonville Meadows for rehab; he loved it and didn’t want to leave. The staff was very caring, understood him, and was able to figure out how to interact with him. He enjoyed physica … (read more)
My uncle was in Allisonville Meadows for rehab; he loved it and didn’t want to leave. The staff was very caring, understood him, and was able to figure out how to interact with him. He enjoyed physica … (read more)

Prairie Lakes Health Campus

9730 Prairie Lakes Blvd E, Noblesville, IN, 46060


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.

$7209

Carmel

$7133

Indiana

$7756

The United States

$6578

Muncie

$7254

Columbus

$6464

Terre Haute

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.

$4385

Home care

$4767

Home health care

$1679

Adult day health care

$4573

Assisted living

$7209

Nursing home (semiprivate room)

$9003

Nursing home (private room)

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.

ResourceContact Service
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.