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Choosing Between Two Communities

The questions that break a tie once the tours all start blurring together.

HomeComparisonsChoosing Between Two Communities
Short answer

When two communities both seem workable, compare the all-in cost at your parent's actual care level, the three-year rate increase history, overnight staffing (not daytime), both facilities' state inspection records, and whether either holds a Medicaid waiver provider agreement your family might eventually need.

This decision comes up often enough that we cover it in full, with a step-by-step comparison process, on its own page in our situations section rather than repeating it here.

See the full comparison walkthrough →

What to ask on a tour. Ask to see the state inspection report, the memory-care disclosure/certification if marketed, the all-in cost at your parent's care level, the three-year rate increase history, and the overnight staffing ratio. Read the full explanation →

Questions families ask

What is RCAP and how is it different from the PathWays Waiver?

The Residential Care Assistance Program (RCAP) is Indiana's Medicaid-funded room-and-board assistance for RCF residents. It pairs with, but is separate from, the PathWays Waiver, which pays for care services. A facility can hold a PathWays agreement, an RCAP agreement, both, or neither -- ask specifically which apply.

Is Indiana's Medicaid expansion (HIP) the same as long-term care Medicaid for seniors?

No. The Healthy Indiana Plan (HIP), Indiana's ACA expansion effective February 1, 2015, covers adults 19-64 based on income. Long-term-care Medicaid for seniors uses a separate, non-MAGI aged/blind/disabled eligibility pathway with different asset and income rules. The two are frequently and incorrectly conflated.

Is there a waitlist for Indiana's PathWays Waiver?

Yes, historically. At the program's July 2024 launch, 9,015 people were on the PathWays waiting list statewide out of 39,842 total slots. Current waitlist figures change; confirm today's status with CICOA Aging & In-Home Solutions, the Area Agency on Aging serving this region.

What is Indiana's Medicaid Estate Recovery Program?

Indiana's Medicaid Estate Recovery Program (MERP) recovers amounts Medicaid paid on a recipient's behalf after age 55, from probate and certain non-probate assets. As of July 1, 2025, the state has 9 months after death to file a claim, and recovery does not proceed while a spouse survives or a child is under 21, blind, or disabled.

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