10 Best Nursing Homes in Indianapolis for 2023

The capital of Indiana, Indianapolis is a quintessential Midwestern city with an estimated population of 876,384. Its climate is moderate, featuring four noticeably different seasons. The city is home to many health care facilities useful to seniors, including the Indiana University Health Medical Center, which is nationally ranked in multiple specialties. Other facilities of note include Community Hospital East and Ascension St. Vincent’s. In Indianapolis, the Genworth 2020 Cost of Care Survey reports that a semiprivate room in a nursing home costs an average of $7,209 per month, which is less than the national average of $7,756 per month.

Nursing home care is designed for seniors who require extensive assistance around the clock. Residents in nursing homes can receive help with daily activities such as bathing and dressing. Beyond that, nursing homes provide skilled nursing care and access to specialists like occupational therapists. Seniors who do not need that level of care may be more interested in assisted living or home health care, which costs less money.

The remainder of this guide covers nursing home costs in Indianapolis and nearby cities, the costs of other senior care types and resources that can help Indianapolis’s elderly.

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Nursing Home Costs in Indianapolis, IN

As previously mentioned, a semiprivate nursing home room in Indianapolis has an average monthly price of $7,209. Private rooms average $9,003 per month.

The Cost of Nursing Home Care in Nearby Cities

Using the average monthly costs of semiprivate nursing home rooms as a reference point, Indianapolis is in the middle of the road compared to nearby cities. It is roughly in line with other Indiana cities like Columbus and Bloomington. However, Indianapolis is more expensive than Muncie by $631. Conversely, Indianapolis’s prices come in at $851 less than Michigan City. Indianapolis’s average monthly nursing home costs are slightly more expensive than the average Indiana city, but they are over $500 cheaper than the average American city.





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The Cost of Other Types of Senior Care

In Indianapolis, the least expensive form of senior care is adult day health care, which runs an average of $1,679 per month. Seniors who elect to receive care at home can expect to pay around $4,385 (for home care) or $4,767 (for home health care) each month. Assisted living facilities carry an average price of $4,573 per month. At the top end of the price range are semiprivate and private nursing home rooms, which cost $7,209 and $9,003, respectively, on average.

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Financial Assistance for Nursing Home Care in Indianapolis, IN

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 Indianapolis, IN

Several resources are available to help Indianapolis’s seniors, whether they are remaining at home or living in another setting, like a nursing home. Using these services may delay the need to transition to a higher level of care or make obtaining more intensive care, like that in a nursing home, easier.

Catholic Charities Indianapolis(317) 236-1500Catholic Charities Indianapolis operates several programs designed to help older adults. For example, the organization’s Senior Companion Program connects seniors to their peers via regular home visits, helping prevent isolation. It also operates caregiver support groups.
CICOA Aging & In-Home Solutions(800) 432-2422CICOA is a not-for-profit organization that makes it easier for seniors and individuals with disabilities to remain in their homes, rather than shifting to institutional settings. Its care management program helps seniors living both at home and in community settings. Additionally, CICOA runs a meals and nutrition program, among other offerings. CICOA is one of Indiana’s Area Agencies on Aging and is based in Indianapolis.
Indiana Division of Aging(800) 673-0002The Division of Aging’s goal is to help Indiana’s residents find the information they need to make well-informed decisions, including those about long-term care. It also facilitates the Long-Term Care Ombudsman program, which works to protect residents of long-term care facilities.
Jewish Federation of Greater Indianapolis(317) 259-6822The Jewish Federation of Greater Indianapolis provides a variety of services based out of The Reuben Center. By helping seniors age in place, its services may delay or prevent the need to transition to a nursing home. The agency assists individuals regardless of race, religion, ethnicity, income level and nationality. Examples of its offerings include transportation and homemaker services.
HoosierRx(866) 267-4679HoosierRx helps seniors pay their Medicare Part D premiums by providing up to $70 per month in financial assistance. To be eligible, an individual must be 65 years of age or older and live in Indiana. Other eligibility requirements, like an income cap, also apply.

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