Resources · Cost of Care

Indiana Cost of Care

What long-term care actually costs in Indiana in 2025–2026 — nursing facility care, memory care, assisted living, independent living, home health care, and Lifecare/CCRC — sourced from the CareScout 2025 Cost of Care Survey and the A Place for Mom 2026 report.

* Medicare, Medicaid Eligibility Limits & Requirements

  • Medicare — Nursing Facility: Requires a qualifying inpatient hospital stay of at least 3 days AND a doctor-certified daily need for skilled nursing or rehabilitation care. Medicare does not pay for custodial-only nursing home stays, and coverage ends entirely after 100 days per benefit period.
  • Medicare — Home Health Care: Requires the patient to be doctor-certified as “homebound” and to need intermittent skilled nursing or therapy from a Medicare-certified home health agency. Ongoing non-skilled custodial help (bathing, meals, housekeeping) alone does not qualify.
  • Medicaid — all care types: Requires meeting Indiana's own Medicaid income and asset limits plus a functional (level-of-care) need determination. Nursing facility Medicaid is an entitlement once eligible; assisted living, memory care, and home health Medicaid coverage is typically delivered through a Home and Community-Based Services (HCBS) waiver, which can carry its own enrollment cap and waiting list.

Assisted living and memory care have no Medicare eligibility pathway to list here — see the estimated percentage of cost each program pays in the table below.

Last updated: August 21, 2026 Jurisdiction: Indiana
How to read this page: Two different, independently published surveys are cited here, and they are never averaged together. CareScout's 2025 Cost of Care Survey reports facility/agency list rates. The A Place for Mom, Cost of Long-Term Care & Senior Living Report (2026 edition; 2025 move-in data) reports actual 2025 move-in-based medians, which run lower in many markets because they reflect what people actually pay, not published rate cards. Figures reported monthly are also shown ×12 as an "equivalent annual" figure purely for comparison against the annual CareScout figures — that computed figure is labeled as such and is not itself a published annual rate.

What Medicare, Medicaid & State Aid Pay

Medicare's rules are federally uniform and identical in every state. Indiana's Medicaid program sets its own nursing-facility rate and Home and Community-Based Services (HCBS) waiver coverage, which can differ sharply from other states. The figures below are what each program pays once a resident meets every eligibility requirement for that program (marked with an asterisk) — not Indiana's full cost of care shown elsewhere on this page.

What Medicare, Indiana Medicaid, and other state financial assistance pay toward each type of long-term care, once eligibility requirements are met
Care TypeMedicare Pays*Indiana Medicaid Pays*State Financial Assistance
Nursing Facility
Days 1–20: $0 — Days 21–100: pay $217/day — Day 101+: $0 paid *
Estimated ~27% of Indiana's $107,310/year cost (100 of 365 days) — a days-covered ceiling; the actual dollar share is lower once the day 21–100 coinsurance is subtracted.
(source)
Estimated Statewide average $305.42/day (range $205.69–$459.49) *
Indiana Medicaid nursing facility price-based rates effective 7/1/2024. (source)
Eligibility and covered settings vary by program — may not apply to every care type at left. See this state's full financial-aid summary above for details.
Assisted Living
$0 toward room, board, or personal care
Estimated 0% of Indiana's $4,568/month cost — Medicare pays none of the residency.
(source)
Estimated $101.98–$132.06/day by level *
PathWays for Aging Waiver, Waiver Assisted Living (services only). (source)
Eligibility and covered settings vary by program — may not apply to every care type at left. See this state's full financial-aid summary above for details.
Memory Care
$0 toward room, board, or custodial dementia care
Estimated 0% of Indiana's $6,600/month cost — Medicare pays none of the residency.
(source)
$0 — not covered by Medicaid in this state
No separate memory-care rate; the highest AL tier (Level 3, $132.06/day) covers the heaviest support needs. (source)
Eligibility and covered settings vary by program — may not apply to every care type at left. See this state's full financial-aid summary above for details.
Home Health Care
$0 for covered skilled home health visits *
(source)
Covered * — no statewide dollar figure published
PathWays for Aging Waiver. (source)
Eligibility and covered settings vary by program — may not apply to every care type at left. See this state's full financial-aid summary above for details.

Nursing Facility Care

Annual cost of skilled nursing / nursing home care in Indiana, per CareScout's 2025 survey.

Indiana nursing facility care, annual cost, 2025 (CareScout)
Room TypeIndiana (Annual)National Median (Annual)
Semi-Private Room$107,310$114,975
Private Room$123,918$129,575
Facility supply & occupancy: As of 2025, Indiana has 509 CMS-certified nursing facilities, running at an average 73% occupancy (national: 14,742 facilities, 79% occupancy). Higher occupancy can mean fewer open beds and longer waits, especially for Medicaid-pending residents. Source: KFF State Health Facts, based on CMS certified nursing facility data.
Capacity pressure, 2025–2033: This is a bed-demand model, not a verified occupancy-rate forecast — no source we could verify publishes an actual projected occupancy percentage by state for future years. Using each state's existing ratio of occupied beds to its 65+ population and Census-based population projections, Kieslich Analytics, US Nursing Bed Demand Analysis (March 2025) estimates Indiana will need 9,143 more occupied nursing-facility beds by 2033 just to keep pace with population aging at its current bed-to-population ratio. Existing unoccupied beds are modeled as sufficient to absorb this growth without adding new certified beds. Indiana's 2024 occupancy in that same dataset was 71.8% (49,590 certified beds, 35,596 occupied) — currently has more open capacity (under 75% occupied), which shapes how much of that added demand shows up as tighter availability versus filling already-open beds. A second, more aggressive scenario in the same report (bringing every below-average state up to the national average bed-to-population ratio) would require 9,143 more occupied beds in Indiana. Treat both figures as a modeled projection based on population trends and current capacity, not a guarantee.
Why Medicaid and private-pay rates differ (national context): Nationally, state Medicaid programs pay nursing facilities well below what private-pay residents are charged for comparable care. AHCA/NCAL puts typical Medicaid payment rates at 70–80% of private-pay prices, and a federal HHS/ASPE analysis found the median facility's Medicaid payment covers roughly 82 cents per dollar of its actual cost of caring for Medicaid residents. Facilities commonly offset that shortfall by charging private-pay and Medicare residents more — a pattern researchers call "cost-shifting"; one frequently cited study found a statistically significant correlation (r = 0.753) between how much a facility relies on private-pay revenue and the size of the Medicaid/Medicare shortfall it is covering. How wide this gap runs varies by state: MACPAC found state Medicaid base payment rates range from 62% to 182% of the national average after adjusting for local wages and resident acuity. Indiana's own published Medicaid nursing-facility rate is shown in the “What Medicare, Medicaid & State Aid Pay” table below — compare it against Indiana's private-pay rate in the table above to see where this state's own gap falls; a precise state-specific ratio isn't shown here because the two surveys use different methodologies (a facility list-rate survey vs. a state case-mix-adjusted Medicaid per-diem) and dividing one by the other would overstate precision the underlying data doesn't support.

Assisted Living

Assisted living pricing varies not just by state but by level of supportive care (a private studio with minimal help vs. a shared room with daily medication management and mobility assistance), and no state-level public survey breaks pricing out by care level — individual facility quotes do that, and vary by provider. What the two national surveys below do capture consistently is the difference between a facility's list rate and what residents in Indiana actually paid on move-in in 2025.

Indiana assisted living, CareScout 2025 facility list rate
MethodologyIndiana (Annual)National Median (Annual)
CareScout facility rate$66,564$74,400
Indiana assisted living, A Place for Mom 2025 actual move-in median
MethodologyIndiana (Monthly)National Median (Monthly)
APFM move-in-based median$4,568/mo (≈ $54,816/yr equivalent)$5,419/mo
Facility supply & occupancy (national context): Unlike nursing facilities, assisted living communities are licensed individually by each state rather than federally certified, so there is no single standardized facility count comparable across all 50 states and DC the way there is for nursing homes — published state-by-state counts vary by tens of percent depending on which registry or survey compiled them. What is consistently tracked nationally: the U.S. has roughly 41,465 licensed assisted living communities with nearly 1.4 million beds (AHCA/NCAL), and occupancy has been climbing as new construction stalls — averaging 88.4% in the second quarter of 2026 across the major markets NIC MAP tracks (National Investment Center for Seniors Housing & Care). Treat this as a national backdrop, not a Indiana-specific figure — check with Indiana's licensing agency (see the eligibility notes above) for a facility count specific to this state.

Memory Care

Dedicated memory care (dementia/Alzheimer's-specific) monthly median, Indiana vs. national, per A Place for Mom's 2026 report (2025 move-in data).

Indiana memory care, monthly, 2025 (A Place for Mom)
Care TypeIndiana (Monthly)National Median (Monthly)
Memory care (APFM 2025 median)$6,600/mo (≈ $79,200/yr equivalent)$6,690/mo
Facility supply & occupancy: Memory care is rarely licensed as its own facility category — in most states, including Indiana (see the eligibility notes above for how this state's Medicaid program treats it), it is an add-on endorsement layered onto an existing assisted living or nursing facility license rather than a separately counted, separately licensed building type. That means there is no reliable standalone national or state-by-state memory-care facility count or occupancy rate to report here the way there is for nursing facilities. Industry trackers such as the National Investment Center for Seniors Housing & Care (NIC) follow memory-care performance mainly within continuing care retirement communities (CCRC) and major metro markets rather than as a standalone nationwide occupancy figure.

Independent Living

Independent living communities provide housing, meals, and activities with little or no hands-on care. Monthly median, Indiana vs. national.

Indiana independent living, monthly, 2025 (A Place for Mom)
Care TypeIndiana (Monthly)National Median (Monthly)
Independent living (APFM 2025 median)$2,800/mo (≈ $33,600/yr equivalent)$3,200/mo

Home Health Care: Professional vs. Personal Care

"Personal" (non-medical) caregivers help with bathing, dressing, meals, and companionship. "Professional" home care — a private-duty licensed nurse — costs substantially more and covers skilled medical tasks. Both are shown below at CareScout's 2025 annualized rate for a typical weekly schedule, alongside A Place for Mom's blended hourly starting rate.

Indiana home health care, personal vs. professional, annual, 2025 (CareScout)
Care TypeIndiana (Annual)National Median (Annual)
Personal / non-medical caregiver (CareScout, annual)$80,080$80,080
Professional / private-duty nurse (CareScout, annual)$3,640$4,680
Indiana blended home care starting hourly rate, 2025 (A Place for Mom)
RateIndianaNational
Blended home care starting rate (APFM, hourly)$34/hr$34/hr

Related: Adult Day Health Care

A lower-cost daytime alternative to in-home or residential care, typically used to supplement family caregiving.

Indiana adult day health care, annual, 2025 (CareScout)
Care TypeIndiana (Annual)National Median (Annual)
Adult day health care (CareScout, annual)$33,020$24,700

Lifecare & Continuing Care Retirement Communities (CCRC)

A Continuing Care Retirement Community (also called a Life Care community) is a single campus offering independent living, assisted living, and nursing care, designed so a resident can move between levels of care as needs change without having to move to a different community. Most CCRCs are funded through a large upfront entrance fee plus an ongoing monthly fee — not Medicare, Medicaid, or long-term care insurance directly, although insurance and VA benefits can help offset the monthly fee once a resident needs a higher level of care.

National entrance-fee & monthly-fee figures

CCRC entrance fees and monthly fees are not published on a state-by-state basis by any survey we could verify — contract type, unit size, and specific community matter far more than which state a CCRC is in. The figures below are national, not Indiana-specific, and are shown alongside Indiana's own CCRC regulatory framework, which is state-specific.

CCRCs (also called Life Care communities) charge a large upfront entrance fee plus an ongoing monthly fee, in exchange for guaranteed access to a continuum of care — independent living through nursing care — often at little or no increase in monthly cost as a resident's needs increase. No single national number captures this well, since the fee depends heavily on contract type, unit size, and location. Two dated snapshots below show the structure and the current market average; neither is a state-specific figure, since entrance-fee data is not broken out by state in either source.

Entrance-fee ranges by CCRC contract type (2009 fee data from eight selected CCRCs, GAO-10-611, June 2010) — historical context on how CCRC contracts are structured, not a current-year price quote.
Contract TypeReported Entrance-Fee RangeWhat's Included
Type A — Life Care / Extensive$160,000–$600,000Housing, residential services, amenities, and unlimited use of health care services as residents move from independent living to assisted living or nursing care, at little or no increase in monthly fees.
Type B — Modified$80,000–$750,000Same housing and residential amenities as Type A, but only some health care services are included in the initial monthly fee; additional care can be charged at market or discounted rates.
Type C — Fee-for-Service$100,000–$500,000Same housing, residential services, and amenities as Types A and B, but residents pay market rates for health-related services as needed.
Type D — Rental$1,800–$30,000Generally requires no large entrance fee; guarantees access to CCRC services and health care on an essentially pay-as-you-go basis.
Current national CCRC entrance-fee and monthly-fee averages (National Investment Center for Seniors Housing & Care data, end of 2024, as reported by Where You Live Matters).
FigureNational AverageNotes
Average entrance fee (entrance-fee model)$300,000Typical range $50,000–$500,000, higher in high-cost urban areas
Average monthly fee — entrance-fee model$4,166Independent-living level, asking rate
Average monthly fee — rental model$3,747Independent-living level, asking rate; rental CCRCs run higher than entrance-fee CCRCs at the assisted living, memory care, and nursing care levels

Indiana's CCRC regulatory framework

Indiana has a CCRC-specific statutory framework: Indiana Code § 23-2-4 (continuing care contracts) and 710 IAC 2; administered by the Indiana Secretary of State, Securities Division.

A CCRC that offers and executes continuing care agreements in Indiana must register with the Securities Division of the Secretary of State through the Indiana Securities Portal ($250 initial fee, $100 annual renewal) and must stay registered for as long as at least one resident lives under a continuing care agreement. Registration requires an initial disclosure statement under Ind. Code § 23-2-4-4 and 710 IAC 2-3 and an annual disclosure statement under Ind. Code § 23-2-4-5, filed within four months after the CCRC's fiscal year end. The underlying independent living or health facility is separately licensed under Ind. Code § 16-28, so residents get securities-style financial disclosure oversight layered on top of facility licensing.

A Hypothetical Indiana Case Study

CASE STUDY

Meet Consuela, a 73-year-old retired postal worker in Indiana. This is a hypothetical scenario built entirely from Indiana's own 2025–2026 cost-of-care figures on this page, used to illustrate how a family's financial exposure can grow as care needs progress — it does not describe a real individual. At 73, Consuela began showing behavioral changes that led to a dementia diagnosis sooner than the family expected, related to dementia with prominent early behavioral and personality changes. Over the years that followed, her care needs moved through 2 stages:

  • Assisted living — ages 73–75 (2 years)
    Moved directly into assisted living after it became unsafe to live alone.
    $54,816/year × 2 yr = $109,632
  • Memory care — ages 75–78 (3 years)
    A more advanced diagnosis required a transfer into a secured memory-care unit within eighteen months.
    $79,200/year × 3 yr = $237,600
$347,232

Illustrative total cost of care across 5 years (ages 73–78), computed directly from the Indiana figures shown elsewhere on this page. Actual costs depend on the specific provider, level of care, and region within Indiana.

If the family's income and assets fell within program limits, Indiana's PathWays for Aging Waiver and/or CHOICE (Community and Home Options to Institutional Care) and Residential Care Assistance Program (RCAP) could have offset some of the community-based or residential-care costs above — see the financial-aid summary at the top of this page for eligibility details and how to apply.

This case study is a hypothetical illustration created for educational purposes only. It does not describe any real person, and it is not a prediction, guarantee, or professional recommendation about any individual's future care needs, costs, or eligibility for financial assistance. Care progression, duration, and provider pricing vary widely by individual circumstances. Consult a qualified elder-law attorney, financial advisor, or benefits counselor for guidance specific to your situation.

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