All states › Illinois › St Charles › The Pearl of St Charles
850 Dunham Rd St Charles, IL 60174 · Kane County
CMS certification number 145980 · See this home on Medicare Care Compare
Is The Pearl of St Charles a good nursing home? Reviews, ratings and inspection record
There are no official resident reviews of nursing homes: Medicare's Care Compare publishes inspections, staffing and quality data instead. Here is what that record shows for The Pearl of St Charles as of October 2026.
CMS rates it 3 out of 5 stars overall, about the same as the Illinois average of 2.6.
Online reviews from families and residents are on Google Maps and other sites; they reflect individual experiences and aren't checked by CMS. The full inspection reports, including what inspectors observed, are on Medicare Care Compare.
Staffing
Nursing staff spend about 3.61 hours per resident per day at The Pearl of St Charles, above the Illinois median of 3.33 (US median: 3.72). About 0.96 of those hours are from registered nurses. On weekends it falls to 3.11 hours, 14% below its all-week average. 74% of nursing staff left within a year (Illinois median 43.5%). High turnover can mean residents see unfamiliar caregivers; ask how long the nurses on the unit have worked there.
About this nursing home
Paying for care at The Pearl of St Charles: Medicare and Medicaid
The Pearl of St Charles is certified for both Medicare and Medicaid. Medicare Part A can cover a short skilled-nursing or rehab stay here after a qualifying hospital stay of at least three inpatient days (observation days don't count), for up to 100 days per benefit period. Medicaid can pay for long-term care for residents who meet Illinois's income and asset rules. Being certified doesn't guarantee a Medicaid bed is open, so ask whether the home accepts residents whose Medicaid application is still pending.
In 2026 Medicare covers days 1–20 in full after the Part A deductible ($1,736 per benefit period); for days 21–100 you pay $217 a day; after day 100 you pay all costs. Medicare doesn't pay for long-term custodial care. Medicare's coverage rules.
Health inspections
The most recent standard inspection was on July 30, 2026 and found 5 deficiencies, plus 2 from complaint inspections in the same period. In total, inspectors issued 46 citations in the last three years.
Each citation has a scope and severity letter from A to L. A–C: potential for minimal harm. D–F: potential for more than minimal harm. G–I: actual harm. J–L: immediate jeopardy to resident health or safety.
What the inspections found
Over the last three years, inspectors issued 46 citations at The Pearl of St Charles across 13 inspection dates, 18 of them from complaint investigations. 1 was at the immediate-jeopardy level (J–L), CMS's most serious category, most recently on August 28, 2024 (complaint inspection). The most common areas cited were quality of life and care (21) and resident rights (9). The most serious was cited under the CMS rule to "prepare residents for a safe transfer or discharge from the nursing home" (tag F0624, level J, August 28, 2024). 1 citation was under CMS's abuse, neglect and exploitation rules.
July 30, 2026 · 5 citations
EMake sure that the nursing home area is safe, easy to use, clean and comfortable for residents, staff and the public.
DHonor the resident's right to a dignified existence, self-determination, communication, and to exercise his or her rights.
DProvide care and assistance to perform activities of daily living for any resident who is unable.
DEnsure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.
CPost nurse staffing information every day.
January 29, 2026 · 1 citation · includes complaint inspection
DProvide appropriate foot care.
January 8, 2026 · 1 citation · includes complaint inspection
DEnsure that residents are free from significant medication errors.
February 27, 2025 · 12 citations
FProcure food from sources approved or considered satisfactory and store, prepare, distribute and serve food in accordance with professional standards.
EHonor the resident's right to a safe, clean, comfortable and homelike environment, including but not limited to receiving treatment and supports for daily living safely.
EProvide care and assistance to perform activities of daily living for any resident who is unable.
EEnsure each resident receives and the facility provides food that accommodates resident allergies, intolerances, and preferences, as well as appealing options.
EEnsure therapeutic diets are prescribed by the attending physician and may be delegated to a registered or licensed dietitian, to the extent allowed by State law.
EProvide and implement an infection prevention and control program.
EDevelop and implement policies and procedures for flu and pneumonia vaccinations.
EEducate residents and staff on COVID-19 vaccination, offer the COVID-19 vaccine to eligible residents and staff after education, and properly document each resident and staff member's vaccination status.
DHonor the resident's right to be treated with respect and dignity and to retain and use personal possessions.
DProvide appropriate care for residents who are continent or incontinent of bowel/bladder, appropriate catheter care, and appropriate care to prevent urinary tract infections.
DProvide for the safe, appropriate administration of IV fluids for a resident when needed.
DProvide safe and appropriate respiratory care for a resident when needed.
February 20, 2025 · 2 citations · includes complaint inspection
DLet each resident or the resident's legal representative access or purchase copies of all the resident's records.
DProvide appropriate treatment and care according to orders, resident’s preferences and goals.
December 13, 2024 · 1 citation, includes actual harm · includes complaint inspection
GEnsure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.
November 1, 2024 · 1 citation · includes complaint inspection
DProtect each resident from all types of abuse such as physical, mental, sexual abuse, physical punishment, and neglect by anybody.
August 28, 2024 · 1 citation, includes immediate jeopardy · includes complaint inspection
JPrepare residents for a safe transfer or discharge from the nursing home.
August 9, 2024 · 1 citation · includes complaint inspection
EEnsure that residents are free from significant medication errors.
April 25, 2024 · 4 citations · includes complaint inspection
DHonor the resident's right to a dignified existence, self-determination, communication, and to exercise his or her rights.
DImmediately tell the resident, the resident's doctor, and a family member of situations (injury/decline/room, etc.) that affect the resident.
DProvide care and assistance to perform activities of daily living for any resident who is unable.
DEnsure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.
March 14, 2024 · 11 citations
FProcure food from sources approved or considered satisfactory and store, prepare, distribute and serve food in accordance with professional standards.
DHonor the resident's right to request, refuse, and/or discontinue treatment, to participate in or refuse to participate in experimental research, and to formulate an advance directive.
DProvide care and assistance to perform activities of daily living for any resident who is unable.
DProvide appropriate treatment and care according to orders, resident’s preferences and goals.
DEnsure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.
DProvide appropriate care for residents who are continent or incontinent of bowel/bladder, appropriate catheter care, and appropriate care to prevent urinary tract infections.
DEnsure that feeding tubes are not used unless there is a medical reason and the resident agrees; and provide appropriate care for a resident with a feeding tube.
DProvide safe and appropriate respiratory care for a resident when needed.
DImplement gradual dose reductions(GDR) and non-pharmacological interventions, unless contraindicated, prior to initiating or instead of continuing psychotropic medication; and PRN orders for psychotropic medications are only used when the medication is necessary and PRN use is limited.
DProvide or get specialized rehabilitative services as required for a resident.
DProvide and implement an infection prevention and control program.
February 26, 2024 · 4 citations · includes complaint inspection
FProvide enough nursing staff every day to meet the needs of every resident; and have a licensed nurse in charge on each shift.
DHonor the resident's right to a dignified existence, self-determination, communication, and to exercise his or her rights.
DProvide appropriate treatment and care according to orders, resident’s preferences and goals.
DProvide medically-related social services to help each resident achieve the highest possible quality of life.
November 1, 2023 · 2 citations, includes actual harm · includes complaint inspection
GProvide safe, appropriate pain management for a resident who requires such services.
GProvide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist.
Questions to ask on a tour of The Pearl of St Charles
- Inspectors cited the home at the immediate-jeopardy level on August 28, 2024 under the rule on resident rights. What changed afterwards, and can I see the plan of correction?
- CMS cited the home under its abuse and neglect rules on November 1, 2024. How are staff trained, and how are concerns reported?
- CMS rates staffing 2 out of 5. How many residents does each nurse aide care for on day, evening and night shifts?
- Nursing staff turnover was 74% a year. How many of the staff come from agencies?
- Do you have a Medicaid bed open now, and will you admit someone whose Medicaid application is still pending?
- When is the first care-plan meeting, and can family attend?
Questions come from this home's CMS data: its inspections, staffing and ownership record.
Fines and payment denials
3 penalties in the last three years, including $41,294 in fines.
| Date | Type | Amount or length |
|---|---|---|
| Dec 13, 2024 | Fine | $10,269 |
| Aug 28, 2024 | Fine | $17,102 |
| Nov 1, 2023 | Fine | $13,923 |
Rating history
| CMS month | Overall | Inspection | Staffing | Quality |
|---|---|---|---|---|
| October 2026 | 3/5 | 3/5 | 2/5 | 3/5 |
| August 2026 | 1/5 | 2/5 | 1/5 | 3/5 |
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Location
Hospitals near The Pearl of St Charles
The Medicare-certified hospitals closest to this nursing home, with their CMS data. Ask the home which hospital it usually sends residents to.
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4.1 mi
Delnor Community Hospital GenevaEmergency room ★★★★★ Medicare overall 5 of 5Median ER visit 3h 32m for patients treated and sent home
- 6.4 mi
-
7.5 mi
Central Dupage Hospital WinfieldEmergency room ★★★★★ Medicare overall 5 of 5Median ER visit 3h 50m for patients treated and sent home
Hospital ratings, ER visit times and more at Hospitals In Each State
Source: CMS Care Compare. Distances are approximate.
Nearby nursing homes
More nursing homes near The Pearl of St Charles › All nursing homes in St Charles ›
Compare The Pearl of St Charles with the 3 closest homes side by side ›
Higher-rated nursing homes within 10 miles
- Greenfields of Geneva · Geneva · 5 stars · 3.0 mi
- Michaelsen Health Center · Batavia · 5 stars · 4.7 mi
- Aperion Care Fox River · Elgin · 5 stars · 7.1 mi
- Covenant Living - Windsor Park · Carol Stream · 5 stars · 7.9 mi
Other Pearl Healthcare nursing homes in Illinois
- The Pearl of Crystal Lake · Crystal Lake · 5 stars
- The Pearl of Evanston · Evanston · 5 stars
- Pearl at the Tillers · Oswego · 4 stars
- The Pearl of Hinsdale · Hinsdale · 4 stars
- The Pearl of Naperville · Naperville · 3 stars
- The Pearl of Fox River Valley · Elgin · 3 stars
Affiliation comes from CMS's affiliated-entity data, October 2026. All 15 Pearl Healthcare nursing homes ›
Source: CMS Provider Data Catalog (provider information, health deficiencies, penalties), October 2026. Inspection citations and penalties cover the last three years. Nursing Homes In Each State is independent and not affiliated with CMS or Medicare. About the data · Report a problem with this listing. Is this your nursing home? Feature it here.