Loading…
Nursing Homes in Indiana
Finding Care in Indiana
Finding nursing home care in Indiana—whether in Indianapolis, Fort Wayne, Evansville, or smaller communities—is emotionally exhausting. You're probably feeling overwhelmed by options, guilty about considering facility care, and worried about costs. Please know: seeking professional care when your loved one needs 24/7 medical support is not failure. It's ensuring they receive the specialized care they deserve.
Indiana has over 500 skilled nursing facilities, regulated by the State Department of Health. Many facilities specialize in memory care, post-acute rehabilitation, or complex medical needs. Indiana nursing homes range from large corporate chains to smaller nonprofit and faith-based facilities with deep community roots.
Costs in Indiana are below the national average, which may provide some financial relief. Indiana's Medicaid program covers nursing home care for eligible individuals, and most facilities accept Medicaid—though many require a period of private pay first. Indiana's ombudsman program provides strong advocacy for residents and families who need support.
Sponsored Resources
Medicaid Coverage in Indiana
Many families need help paying for nursing home care. Medicaid is a vital resource, but the rules vary by state. Here's what you need to know about Medicaid nursing home coverage in Indiana.
Eligibility Requirements
Monthly Income Limit:
$2,982 (2026); Indiana uses an income cap, but those exceeding it can establish a Qualified Income Trust (QIT)
$2,982 (2026); Indiana uses an income cap, but those exceeding it can establish a Qualified Income Trust (QIT)
Asset Limit:
$2,000 for individuals (some counties $1,500), with home and one vehicle typically exempt
$2,000 for individuals (some counties $1,500), with home and one vehicle typically exempt
Processing Time:
30-45 days for initial determination
30-45 days for initial determination
How to Apply
Apply through the Indiana Family and Social Services Administration at fssa.in.gov or at your local Division of Family Resources office. You'll need financial documents, medical records, and citizenship proof.
Important Tips for Indiana Families
- •Indiana's asset limit varies by county—some use $2,000, others $1,500. Confirm with your local office.
- •Many Indiana facilities require 30-60 days of private pay before accepting Medicaid. Confirm policies during tours.
- •Indiana has Medicaid estate recovery, but exemptions exist for surviving spouses and disabled children.
- •Work with an Indiana elder law attorney to understand spousal protections and asset transfer rules.
- •Veterans in Indiana should apply for VA Aid & Attendance benefits, providing up to $2,424/month.
Nursing Home Costs in Indiana
$260-$360/day average
Monthly Range: $7,800-$10,800
Indiana nursing home costs are below the national average. Indianapolis area is slightly more expensive than rural counties. Medicare covers skilled nursing for up to 100 days post-hospitalization. Medicaid covers long-term care for eligible Indiana residents.
Medicare Coverage: Medicare Part A covers skilled nursing facility care for up to 100 days following a qualifying hospital stay (3+ days). Days 1-20 are fully covered; days 21-100 require a copay ($217/day in 2026).
Indiana Resources & Advocacy
Oversight & Complaints
Indiana State Long-Term Care Ombudsman
1-800-622-4484Visit website →
The ombudsman helps resolve complaints and advocates for nursing home residents' rights.
Indiana State Department of Health - Long-Term Care
View inspection reports →Support & Guidance
Indiana Division of Aging
1-888-673-0002Visit website →
Area agencies on aging provide care planning, caregiver support, and benefit counseling.
Medicare Nursing Home Compare
medicare.gov/care-compare →Planning Your Next Steps
Ready to Find the Right Facility?
Use our personalized navigator to find facilities that match your loved one's needs, insurance, and location in Indiana.
Start Navigator Tool →Disclaimer: This guide is educational only. SunsetWell scores are based on CMS data and peer-group analysis. Medicaid eligibility rules change frequently—always verify current requirements with your state Medicaid office. Always tour facilities personally, speak with staff, review current state inspection reports, and consult healthcare professionals before making placement decisions.
Last updated: June 2026 | Data source: CMS Nursing Home Compare, Indiana State Department of Health - Long-Term Care, SunsetWell Analysis