All states › Indiana › Carmel › Carmel Health & Living Community
118 Medical Dr Carmel, IN 46032 · Hamilton County
All 8 nursing homes in Carmel, IN (6 take Medicaid)
CMS certification number 155181 · See this home on Medicare Care Compare
Is Carmel Health & Living Community 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 Carmel Health & Living Community as of October 2026.
CMS rates it 2 out of 5 stars overall, below the Indiana average of 3.2.
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 3.71 hours per resident per day at Carmel Health & Living Community, above the Indiana median of 3.60 (US median: 3.72). About 0.43 of those hours are from registered nurses. On weekends it falls to 3.27 hours, 12% below its all-week average. 65.8% of nursing staff left within a year (Indiana median 45.5%). 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 Carmel Health & Living Community: Medicare and Medicaid
Carmel Health & Living Community 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 Indiana'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 September 25, 2025 and found 8 deficiencies, plus 1 from complaint inspections in the same period. In total, inspectors issued 30 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 30 citations at Carmel Health & Living Community across 6 inspection dates, 6 of them from complaint investigations. 2 were at the actual-harm level (G–I), most recently on November 13, 2025. The most common areas cited were quality of life and care (12) and pharmacy service (7). The most serious was cited under the CMS rule to "ensure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents" (tag F0689, level G, November 13, 2025).
November 13, 2025 · 1 citation · includes complaint inspection
GEnsure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.
September 25, 2025 · 8 citations, includes actual harm
GEnsure that residents are free from significant medication errors.
EProvide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist.
EEnsure drugs and biologicals used in the facility are labeled in accordance with currently accepted professional principles; and all drugs and biologicals must be stored in locked compartments, separately locked, compartments for controlled drugs.
DAllow residents to self-administer drugs if determined clinically appropriate.
DProvide appropriate treatment and care according to orders, resident’s preferences and goals.
DProvide safe and appropriate respiratory care for a resident when needed.
DProvide safe, appropriate dialysis care/services for a resident who requires such services.
DEnsure each resident’s drug regimen must be free from unnecessary drugs.
January 8, 2025 · 1 citation · includes complaint inspection
DProvide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist.
November 4, 2024 · 11 citations · includes complaint inspection
EProvide appropriate treatment and care according to orders, resident’s preferences and goals.
DEnsure residents have reasonable access to and privacy in their use of communication methods.
DCoordinate assessments with the pre-admission screening and resident review program; and referring for services as needed.
DDevelop and implement a complete care plan that meets all the resident's needs, with timetables and actions that can be measured.
DEnsure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.
DProvide safe and appropriate respiratory care for a resident when needed.
DProvide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist.
DEnsure drugs and biologicals used in the facility are labeled in accordance with currently accepted professional principles; and all drugs and biologicals must be stored in locked compartments, separately locked, compartments for controlled drugs.
DProvide or obtain dental services for each resident.
DEnsure food and drink is palatable, attractive, and at a safe and appetizing temperature.
DMake sure that the nursing home area is safe, easy to use, clean and comfortable for residents, staff and the public.
March 1, 2024 · 2 citations · includes complaint inspection
DAllow residents to self-administer drugs if determined clinically appropriate.
DProvide and implement an infection prevention and control program.
October 27, 2023 · 7 citations
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.
DKeep residents' personal and medical records private and confidential.
DHonor the resident's right to voice grievances without discrimination or reprisal and the facility must establish a grievance policy and make prompt efforts to resolve grievances.
DProvide appropriate treatment and care according to orders, resident’s preferences and goals.
DProvide enough food/fluids to maintain a resident's health.
DProvide for the safe, appropriate administration of IV fluids for a resident when needed.
DProvide safe, appropriate pain management for a resident who requires such services.
Questions to ask on a tour of Carmel Health & Living Community
- Inspectors cited the home at the actual-harm level on November 13, 2025 under the rule on quality of life and care. What changed afterwards, and can I see the plan of correction?
- 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 65.8% 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
1 penalty in the last three years, including $9,110 in fines.
| Date | Type | Amount or length |
|---|---|---|
| Nov 13, 2025 | Fine | $9,110 |
Rating history
| CMS month | Overall | Inspection | Staffing | Quality |
|---|---|---|---|---|
| October 2026 | 2/5 | 2/5 | 2/5 | 3/5 |
| August 2026 | 2/5 | 2/5 | 2/5 | 3/5 |
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Location
Hospitals near Carmel Health & Living Community
The Medicare-certified hospitals closest to this nursing home, with their CMS data. Ask the home which hospital it usually sends residents to.
-
1.8 mi
Indiana University Health North Hospital CarmelEmergency room ★★★★☆ Medicare overall 4 of 5Median ER visit 3h 17m for patients treated and sent home
-
1.9 mi
St Vincent Carmel Hospital INC CarmelEmergency room ★★★☆☆ Medicare overall 3 of 5Median ER visit 3h 1m for patients treated and sent home
- 2.1 mi
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 Carmel Health & Living Community › All nursing homes in Carmel ›
Compare Carmel Health & Living Community with the 3 closest homes side by side ›
Higher-rated nursing homes within 10 miles
- The Barrington of Carmel · Carmel · 5 stars · 0.9 mi
- Bridgewater Healthcare Center · Carmel · 5 stars · 3.1 mi
- St Augustine Home for the Aged · Indianapolis · 5 stars · 5.2 mi
- Marquette · Indianapolis · 5 stars · 5.5 mi
Other Cardon & Associates nursing homes in Indiana
- Aspen Trace Health & Living Community · Greenwood · 5 stars
- Bell Trace Health and Living Center · Bloomington · 5 stars
- Arbor Trace Health & Living Community · Richmond · 5 stars
- Countryside Manor Health & Living Community · Anderson · 5 stars
- Morristown Manor · Morristown · 4 stars
- Altenheim Health & Living Community · Indianapolis · 4 stars
Affiliation comes from CMS's affiliated-entity data, October 2026. All 19 Cardon & Associates 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.