Frequently Asked Questions

Helping you make the best decision

When you are looking for the right health care facility for yourself or a loved one, you’ll likely have a lot of questions. We’ve answered the most common questions here to help you as you research your options.

Have more questions? Call us to discuss how we can meet your health care needs. 812-866-2625

Choosing a Facility

The best way to decide if a facility is right for you or your loved one is to schedule a personal tour. With a personal facility tour, you and your family can speak with an Admissions Team member about all of your questions and concerns while getting a first-hand look at the facility’s amenities to help you make the best decision.

How can I tell if I will need long-term care?

It is difficult to predict how much or what type of long-term care you might need. Several things increase your risk of needing long-term care.

  • Age: the risk generally increases as you get older.
  • Gender: women are at higher risk than men, primarily because they often live longer.
  • Marital status: single people are more likely than married people to need care from a paid provider because they are on their own.
  • Lifestyle: poor diet and exercise habits can increase your risk.
  • Health and family history: these factors also affect risk.

How can I plan ahead?

You can never know for sure if you will need long-term care but an unexpected accident, illness or injury can change your needs, sometimes suddenly. The best time to think about long-term care is before you need it.

Planning for the possibility of long-term care gives you time to learn about services in your community and what they cost. It also allows you to make important decisions while you are still able including health, legal, and financial decisions.

Is it time for me to consider assisted living?

Assisted living can be beneficial for senior adults who need help in one or more of these areas:?
  • Are unsteady on their feet or prone to falls
  • Use walker or wheelchair
  • Have increased forgetfulness or mild confusion
  • Have experienced some loss of vision
  • Are not eating properly
  • Have difficulty with meal preparation
  • Are lonely and frequently isolated from friends and family
  • Need help with dressing and bathing
  • Have problems with incontinence
  • Can no longer keep their home
  • Need a safety network with assistance nearby
  • Want an option other than moving in with their adult children or into a nursing home
  • Desire a less expensive alternative to intensive home health and skilled nursing care
  • Need availability of supportive services 24 hours a day

Change is rarely easy for anyone. The good news is that most seniors, once they weather the upheaval of transition, report that assisted living has offered them enhanced quality of life.

What is the difference between Assisted Living and Independent Living?

The most significant difference between assisted living and independent senior living is the care provided. Residents of assisted living facilities require assistance with daily activities like medication, eating, bathing, dressing, and toileting.

Independent senior living residents are able to live on their own with limited assistance (provided by third-party home health care providers, if needed) and without around-the-clock supervision. Neither assisted living nor senior independent living communities offer 24/7 skilled nursing that is provided at a skilled nursing facility (commonly referred to as a nursing home).

Financial Obligation

Our skilled nursing and rehabilitation services are covered by Medicare, Medicaid, private pay and private insurances.

Our Assisted Living services are covered by private pay, Medicaid Waiver and Indiana’s Money Follows the Person (MFP) program.

Medicare Info

What is Medicare?

Medicare is a federal health insurance program for people 65 years or older, have been disabled for at least 2 years, or have End Stage Renal Disease.

What are the different parts of Medicare?

There are 4 parts to Medicare. The different parts of Medicare help cover specific services.

  • Medicare Part A
    • Covers short-term care in a Medicare-certified skilled nursing facility, hospice care, and some home health care.
      Medicare flow chart
  • Medicare Part B
    • Covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
  • Medicare Part C (Medicare Advantage Plans)
    • A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A & Part B benefits.
  • Medicare Part D
    • Is a prescription drug plan.

Not sure what kind of coverage you have?

  • Check your red, white, and blue Medicare card.
  • Check all other insurance cards that you use.
  • Call the phone number on the cards to get more information about the coverage.
  • Check your Medicare health or drug plan enrollment
  • Call 1-800-MEDICARE (1-800-633-4227)

For more information visit medicare.gov

Medicaid Info

What is Medicaid?

A federal and state-funded medical assistance program that pays for approved and needed medical care for persons who meet specific eligibility requirements. The federal government establishes general guidelines for the program, but each state establishes the program’s requirements including eligibility.

You can find out more about the Medicaid program through the following:

  • The Centers for Medicare & Medicaid Services (CMS) at cms.gov
  • www.medicaid.gov
  • 1-800-457-8283
  • By talking to our admissions team.

What is private insurance?

Private insurance is a supplemental long-term care facility insurance policy. Call the number on your personal insurance card to verify coverage.

What is private pay?

Private pay is referring to paying with private funds from your personal bank account.

Medicaid Waiver Info for Assisted Living

What is the Medicaid Waiver?

In the past, Medicaid only paid for long-term care services that were provided in an institution, such as nursing facilities and group homes. The waiver program “waives” the requirement of an admission into an institution in order for Medicaid to pay for the needed Home and Community-Based-Services (HCBS).

Nursing Facility level of care waivers:

  • Aged and Disabled Waiver
  • Traumatic Brain Injury Waiver

These waivers are for children and adults whose needs are primarily medical, and assist a person to be as independent as possible and live in the least restrictive environment possible while maintaining safety in the home.

Does the Medicaid Waiver cover all of my costs for assisted living?

No, the Medicaid Waiver covers the nursing portion of our fee. The resident is still responsible for paying rent to the facility privately. That rate is always the annual cost of living minus the monthly patient liability.

How do I receive the Medicaid Waiver for assisted living?

The Medicaid waiver is obtained through your Indiana Local Area Agency on Aging. To locate your local AAA visit www.IAAAA.org.

For additional questions on obtaining and qualifying for the Medicaid Waiver please contact your Local Area Agency on Aging.

Indiana Money Follows the Person (MFP) Program Info for assisted living

What is the MFP program?

MFP stands for “Money Follows the Person.”  The MFP program is funded through a grant from the federal Centers for Medicare and Medicaid Services (CMS).  The MFP program was developed to help states move individuals from institutional settings to home and community-based settings. Indiana was approved for the MFP program in 2007 and since that time has focused on assisting eligible persons to leave institutional care by providing services for individuals to live safely in their community.

How do I become a part of the MFP program?

To become a part of the MFP program you must first contact your institution’s social services department who will then assist you in learning more about the program. 

For additional information on obtaining and qualifying for the MFP program please contact CareStar of Indiana at carestar.com or by phone at the toll free number 866-423-2220. Indiana Family and Social Services Administration (FSSA) can also provide you with more information by visiting their website at www.in.gov/fssa.

Becoming a Long Term / Short Term Skilled Nursing Resident

After contacting our admissions team we will meet with you and your family to guide you through the admissions entire process answering all questions along the way.

How does the admissions process work if I’m coming from home?

In order to be admitted into a long-term care facility from home, you must complete the following:

  • You must be assessed for appropriate placement by the Indiana local Area Agency on Aging.
  • You must have a physical completed by your family doctor within the last 30 days providing you with doctor’s orders to admit you to a long-term care facility and medication orders.
  • You must have had a chest x-ray within the last 6 months and a statement from your doctor indicating you have no communicable disease.
  • A skin test for tuberculosis (PPD) is also required within the last 3 months.
  • You or a family member will need to complete admission paperwork the day of admission
    • The following documents will be needed if applicable:
      • Medicare card
      • Medicaid card
      • Managed Care or Insurance card
      • Medicare Part D Drug Benefit card
      • Social Security card
      • Advanced Directive, Living Will, etc.
      • Long-term care/supplemental insurance policies
      • Most recent 3 months bank statements
      • Irrevocable burial trust
      • Life insurance policies
      • Personal identification card
      • Any other personal information that our admissions team requests

Our admissions team will assist you through this process and provide you with a smooth transition into our facility.

How does the admissions process work if I’m coming from the hospital?

In order to be admitted into a long-term care facility from the hospital, the following is required:

  • We will conduct a clinical assessment
  • We will work with the hospital staff to arrange placement into our facility
  • Hospital staff will provide us with your medical information
  • You or a family member will need to complete admission paperwork the day of admission

Our admissions team will assist you through this process and provide you with a smooth transition into our facility.

What can I expect once I am admitted into your facility?

Our team of professionals will greet and welcome you to our facility. Our team includes administration, nursing staff, therapy staff, registered dietician, social service, activities, and housekeeping. We will also be gathering personal clinical information and discussing with you your plan of care.

What should I bring with me?

You may bring personal items as space allows. All items, including clothing, should be permanently labeled with your name. Please ask our admissions team for assistance on what to bring upon admission.

Becoming an Assisted Living Resident

After contacting our Admissions Team we will meet with you and your family to guide you through the entire admissions process answering all questions along the way.

How does the admissions process work?

In order to be admitted into an assisted living or independent living facility, you must complete the following:

  • First we will conduct a clinical assessment at your current residence to see if we can provide the care needed.
  • You must have a physical completed by a physician within the last year.
  • You must have had a chest x-ray within the last 6 months and a statement from your physician indicating you have had no communicable diseases.
  • You or a family member will need to complete admission paperwork prior to the day of admission
    • The following documents will be needed:
      • Insurance cards
      • Social security card & personal identification card
      • Advance directive, living will, power of attorney, etc.
      • Most recent 3 months of bank statements
      • Any other personal information that our admissions team requests

Our Admissions Team will assist you through this process and provide you with a smooth transition into our facility.

What can I expect once I am admitted into your facility?

Our team of professionals will greet and welcome you to our facility. Our team includes: administration, nursing, dietary, activities, and housekeeping staff.  We will also be gathering personal clinical information and discussing with you your plan of care. 

What should I bring with me?

Our apartments come unfurnished so you are able to customize your own living space. You will need to furnish a bedroom, living room, kitchenette area, and bathroom. Besides furniture and décor items, you will also need your own clothing and personal care items. Please ask our admissions team for assistance on what to bring upon admission.