5 Assisted Living Communities in Crown Point, Indiana

The average cost of assisted living in the city is $3,675 a month. This guide is a starting point covering the cost of assisted living care in the city, as well as financing options to pay for it. You’ll find in-depth information on 5 Assisted Living Communities in Crown Point and several in surrounding areas. The Cost of Senior Care in Crown Point, IN

• Assisted Living: $3,675
• Nursing Home Care: $7,939
• In-home Care: $4,385
• Adult Day Health Services: $867

Seniors in Crown Point enjoy affordable assisted living with a monthly cost that’s $325 below the national average and $710 less than the state median rate. Prices are markedly higher in surrounding cities, such as Elkhart ($4,043), South Bend ($4,625), Muncie ($4,785) and Lafayette ($5,205). Only two northern Indiana cities have lower assisted living costs, Kokomo at $3,625 and Fort Wayne, where the monthly average is only $2,978.

Note: Data on senior care costs wasn’t available for Crown Point, so data for nearby Michigan City was used instead.

Senior care options in Crown Point can be broken down into those that provide residential care and those that cover services only. Nursing home and assisted living facility rates include housing and meals, but nursing homes cost over $4,200 more because they offer skilled, round-the-clock care. In-home services provided by homemakers and home health aides cost over $3,500 more per month than adult day health services. Rates for these two care options represent only the cost of provided services. Seniors must pay extra for food and housing expenses, such as utilities, maintenance, property taxes and insurance when they receive care at home or in a group adult day care setting.

 

The federal government provides the regulatory framework and joint funding for the Medicaid programs administered by each state to deliver essential health care services to low-income residents. The Indiana Medicaid program provides coverage for one in five state residents, including approximately 325,000 seniors and disabled or blind adults.

Eligible Indiana residents receive coverage for a number of health care services, including doctor and specialist visits, hospital and emergency-room care, diagnostic tests, prescription medications and long-term nursing home care.

Qualifying for Medicaid Long-term Care

Crown Point residents who are U.S. citizens or legal permanent residents can qualify for Medicaid long-term care coverage if they’re aged 65 or older or aged 64 and younger and blind or disabled. Applicants must also be assessed to confirm their need for long-term care and meet the program’s financial limitations of:

• $2,313 per person in personal income monthly
• $2,000 in countable assets for individuals or $3,000 for couples applying together

While all income counts when determining Medicaid eligibility, some assets are automatically exempt, including personal effects, one vehicle, irrevocable burial trusts, a primary home worth $585,000 or less and household furnishings.

Federal and state laws are in place to protect married individuals from impoverishment when their spouse applies for Medicaid coverage. The non-applicant may receive up to $3,160.50 of their spouse’s monthly income and keep up to $126,420 in joint assets as living and resource allowances.

Crown Point seniors and disabled adults who successfully apply for Supplemental Security Income benefits automatically receive full Medicaid coverage.

Seniors in Crown Point can apply for Indiana Medicaid online or call (800) 403-0864.

Indiana Aged and Disabled Waiver

While the Indiana Medicaid program only covers institutional nursing home care as an entitlement, the state also offers the Aged and Disabled waiver to Medicaid-eligible seniors who need long-term care but can safely live in a community setting. The waiver helps the state reduce institutional-care costs and allows seniors a higher quality of life and greater independence.

The A&D waiver covers medical services offered through regular Medicaid along with a range of supportive services delivered in an enrollee’s home, a licensed adult foster home or assisted living community. Those accepted into the program are evaluated so a care plan can be developed to meet their needs through various services, such as:

• Transition assistance to move back to the community
• Assisted living services
• Personal care and assistance with daily living activities
• Personal emergency response systems
• Medical supplies and equipment
• Prepared meals and snacks
• Nutritional supplements
• Transportation services

The waiver isn’t a Medicaid entitlement program and enrollment is capped, so qualified seniors may be placed on a waiting list before receiving covered services.

Those who wish to enroll in the A&D waiver program should apply for Medicaid coverage first and then contact the Northwest Indiana Community Action Corporation at (219) 794-1829 to schedule a screening assessment.

Program of All-Inclusive Care for the Elderly

PACE offers Crown Point seniors aged 55 and older all-inclusive coverage for medical and community-based long-term care services. To qualify, applicants must live in the PACE service area and require a nursing-facility level of care but be capable of safely living in a community setting. Once seniors are enrolled, they receive a personalized care plan based on an assessment by the PACE interdisciplinary team.

In addition to all the medical services normally covered by Medicaid, seniors receive support services that match their needs, such as adult day care, personal care assistance, prepared meals, physical, occupational and speech therapy, social and recreational programming and transportation for medical appointments.

PACE doesn’t cover the cost of assisted living, but those who participate may reduce their overall care expenses with the provided services.

To learn more or apply for the PACE program, Crown Point seniors can contact Franciscan Senior Health and Wellness Dyer at (844) 817-7223.

Residential Care Assistance Program

The state-funded Indiana Residential Care Assistance program provides supplemental monthly income to help frail or disabled seniors pay for assisted living services and delay or prevent nursing home admission. Covered services and supports can include care coordination, laundry and housekeeping services, meals and accommodations.

To qualify, seniors must be disabled, blind or aged 65 or older and Medicaid-eligible or receiving SSI benefits. Applicant assets are limited to $2,000 and $3,000 for single and married couples, respectively. Additionally, applicants must need daily assistance but not a nursing-facility level of care and live in a licensed residential care facility under contract with the state Division of Aging.

Not all facilities participate, so approved seniors may be placed on a waiting list or have to relocate outside Lake County to receive services.

To learn more about the RCAP program, Crown Point seniors can contact the local Northwest Indiana Community Action Corporation office at (800) 826-7871. 

As the designated Area Agency on Aging for Crown Point and the surrounding areas, the Northwest Indiana Community Action Corporation helps seniors access life-enhancing resources in their community. The agency provides information and referrals through its Aging and Disability Resource Center, as well as case management and long-term care options counseling by phone, in the resource center or in a senior’s own home. NWIAC also coordinates numerous other aging-related services, including health and wellness programs, meals and nutritional education, in-home care, long-term care advocacy and Medicaid waiver and nursing home pre-admission screenings. Northwest Indiana Community Action Corporation
5240 Fountain Dr., Crown Point, IN 46307
(219) 794-1829

Senior veterans can receive assistance filing applications for VA pensions and benefits at the local Lake County Veterans Service office. The Crown Point VA clinic offers primary care, diabetes and pain management along with optometry, audiology, radiology and podiatry.

Lake County Veterans Service Office
2293 N. Main St., Bldg. A, Rm. 109, Crown Point, IN 46307
(219) 755-3285  

Adam Benjamin Jr. VA Outpatient Clinic
9301 Madison St., Crown Point, IN 46307
(219) 662-5000

Senior Homes has an extensive directory of senior living options, with care and living providers across the United States.