5 Communities in Noblesville, Indiana

The average cost of assisted living in the city is $5,053 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 Noblesville and several in surrounding areas. The Cost of Senior Care in Noblesville, IN

• Assisted Living: $5,053
• Nursing Home Care: $6,910
• In-home Care: $3,813
• Adult Day Health Services: $1,733

At $5,053, the average monthly cost of assisted living in Noblesville is the second highest in Indiana. Seniors in Lafayette pay around $150 more at $5,205, while those in Muncie pay about $300 less at $4,785 per month. Rates in other cities are substantially less, such as Bloomington ($4,483), Columbus ($3,946) and Kokomo ($3,630). The price in Noblesville is over $2,000 more expensive than the monthly cost in Fort Wayne, where assisted living averages just $2,978. The local rate is also almost $700 above the state median and over $1,000 higher than the nationwide average of $4,000.

Note: Data for senior care costs in Noblesville wasn’t available, so data for the metropolitan Indianapolis area was used.

Costs for senior care in Noblesville vary depending on the type of care, number of direct service hours provided and whether room and board are included. Rates for adult day health ($1,733) and in-home services ($3,813 to $4,362) don’t include room and board, so these types of care are the least expensive options available to local seniors. Assisted living is more expensive in comparison ($5,053), but it provides meals, accommodations, housekeeping and personal care services. The rate charged in nursing homes is almost $1,900 more per month than assisted living, but these facilities also offer 24/7 skilled nursing services for those with extensive care needs.

 

The national Medicaid program provides essential health insurance for Americans of all ages who can’t afford to pay for coverage. Medicaid is funded by the federal and individual state governments, and each state administers its own program according to federal guidelines.

Indiana Medicaid provides coverage for roughly 20% of the state’s population and primarily serves families with young children, pregnant women, blind and disabled adults and senior citizens. Residents who qualify are covered for a wide range of health care services, including doctor and specialist visits, hospital care, emergency room treatment, diagnostic tests, emergency medical transportation, prescriptions and long-term care in a nursing home.

Qualifying for Medicaid for Long-term Care

Noblesville adults assessed as needing long-term care can qualify for Medicaid coverage if they’re American citizens or legal permanent residents and aged 65 or older or adults who are blind or disabled. Applicants who meet the eligibility requirements for Supplemental Security Income benefits are enrolled in the Medicaid program automatically. Others are limited to:

• A maximum of $2,000 in countable assets as a single person or $3,000 as a married couple
• A maximum of $2,313 in monthly income per person

A married applicant whose spouse isn’t applying may be able to qualify even if they’re initially over the income and asset limits. Their monthly income may drop by a maximum of $3,160.50 and total assets down $126,420 when federally mandated living and resource allowances are deducted to prevent spousal impoverishment.

When determining eligibility, Medicaid counts income from all sources, but several assets are exempt, such as a primary home worth $585,000 or less, household furnishings, personal effects, one vehicle and irrevocable burial trusts.

Noblesville seniors can complete an application online for Indiana Medicaid or call (800) 403-0864 to apply by phone.

Aged and Disabled Waiver

In an effort to reduce long-term care costs and provide Medicaid-eligible seniors and disabled adults with a greater degree of independence, Indiana offers an Aged and Disabled waiver. This program provides community-based long-term care services in an enrollee’s home, approved adult foster home or assisted living community. Residents of Noblesville can qualify if they:

• Meet the functional and financial eligibility requirements for Indiana Medicaid
• Are assessed as needing a nursing home level of care but able to safely live in the community

Program participants are covered for Medicaid medical services and receive case management, and depending on their assessed needs, additional benefits, such as:

• Transitional aid to move from a nursing home back to the community
• Medical supplies and equipment
• Personal care services
• Prepared meals
• Nutritional supplements
• Assisted living services
• Transportation
• Personal emergency response systems

Unlike institutional nursing home care, the A&D waiver isn’t a Medicaid entitlement program, and participation is limited statewide. Based on availability, qualified seniors may be placed on a waiting list before receiving services.

Senior residents of Noblesville interested in enrolling in the A&D waiver should apply for regular Medicaid first, and then contact the local Area Agency on Aging, CICOA Aging and In-Home Solutions, at (800) 489-9550 to schedule an initial assessment.

Residential Care Assistance Program

Senior residents of Noblesville who need help living independently but have limited income may qualify for assistance from the Indiana Residential Care Assistance program.

The state-funded RCAP can cover costs for care coordination, meals, room and board, housekeeping and laundry services in certain care facilities. Applicants must be aged 65 or older or adults who are blind or disabled to qualify, and they must need help with activities of daily living but don’t require a nursing facility level of care. They must also:

• Meet the eligibility requirements for Medicaid or qualify for SSI benefits

• Have $2,000 or less in assets if single or $3,000 in combined assets as a couple

• Reside in a residential care facility licensed by the state and under contract with the Division of Aging

Not all facilities in the area participate, so eligible seniors may be placed on a waiting list or have to relocate to another community to receive assistance through the program.

To learn more about the RCAP program or apply, Noblesville seniors can contact CICOA Aging and In-Home Solutions at (800) 489-9550.

Assisted Living Bridge Loan

Seniors who are strapped for cash when transitioning to assisted living may find that applying for a bridge loan from Elderlife Financial makes the move less stressful. Elderlife bridge loans are structured as 12-month maximum, interest-only lines of credit and have no hidden out-of-pocket costs. Payments can be sent directly to the borrower’s chosen facility to cover move-in, rent and care fees, and once long-term funding falls into place, the loan can be paid off without an early repayment penalty.

Seniors can complete a quick and easy application online or call Elderlife Financial Services at (888) 228-4500 to apply by phone.

Staff at the Hamilton County Veterans Services office can help senior Noblesville veterans, dependents and survivors identify and apply for VA benefits and pensions. Veterans in need of medical care can visit the Roudebush VA Medical Center in Indianapolis to access primary and specialized outpatient services. The facility also provides acute medical, surgical and community-based extended care. Camaraderie and opportunities for community service can be found at the local Veterans of Foreign Wars post.

Hamilton County Veteran Services Office
1 Hamilton County Sq., Ste. 179, Noblesville, IN 46060
(317) 776-9610

Roudebush VA Medical Center
1481 W. 10th St., Indianapolis, IN 46202
(317) 554-0000

VFW Post 6246
654 S. 9th St., Noblesville, Indiana
(317) 773-9956

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