facebook tracking Carmel Health & Living Community, Carmel IN: CMS Ratings
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Carmel Health & Living Community

All states › Indiana › Carmel › Carmel Health & Living Community

118 Medical Dr Carmel, IN 46032 · Hamilton County

(317) 844-4211

All 8 nursing homes in Carmel, IN (6 take Medicaid)

Accepts Medicare Accepts Medicaid 188 certified beds Government

CMS certification number 155181 · See this home on Medicare Care Compare

Ratings come from CMS and are updated monthly; these are from October 2026. Check the latest inspection report and visit in person before you decide.

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. Inspectors issued 30 citations in the last three years. CMS imposed 1 penalty, including $9,110 in fines, in that time. For short-term rehab patients CMS rates quality 4 out of 5; for long-term residents, 3 out of 5.

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.

Nursing care per resident per day 3.71 hours
Above the Indiana median of 3.60 Registered nurses, licensed practical nurses and aides combined, from payroll records.
Registered nurse hours 0.43 per resident a day RNs handle assessments, medications and changes in condition.
Weekend nursing care 3.27 hours Per resident a day. A big drop from weekdays can mean thin weekend staffing.
Nursing staff turnover 65.8% a year Share of nursing staff who left over a year. Lower usually means steadier care.
Registered nurse turnover 70.4% a year Share of registered nurses who left over a year.
Administrators who left 0 in the past year Frequent leadership changes are worth asking about on a visit.

About this nursing home

Certified beds188
Residents per day 137 About 73% of beds filled, on average
OwnershipGovernment - County
Payment acceptedMedicare and Medicaid
Certified sinceApril 1978
Part of a chainCardon & Associates
Legal business nameRIVERVIEW HOSPITAL

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.

Actual harm · Quality of Life and Care Deficiencies · Tag F0689 · Complaint inspection · Deficient, Provider has date of correction (Dec 5, 2025)

September 25, 2025 · 8 citations, includes actual harm

GEnsure that residents are free from significant medication errors.

Actual harm · Pharmacy Service Deficiencies · Tag F0760 · Deficient, Provider has date of correction (Oct 24, 2025)

EProvide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist.

Potential for more than minimal harm · Pharmacy Service Deficiencies · Tag F0755 · Deficient, Provider has date of correction (Oct 24, 2025)

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.

Potential for more than minimal harm · Pharmacy Service Deficiencies · Tag F0761 · Deficient, Provider has date of correction (Oct 24, 2025)

DAllow residents to self-administer drugs if determined clinically appropriate.

Potential for more than minimal harm · Resident Rights Deficiencies · Tag F0554 · Deficient, Provider has date of correction (Oct 24, 2025)

DProvide appropriate treatment and care according to orders, resident’s preferences and goals.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0684 · Deficient, Provider has date of correction (Oct 24, 2025)

DProvide safe and appropriate respiratory care for a resident when needed.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0695 · Deficient, Provider has date of correction (Oct 24, 2025)

DProvide safe, appropriate dialysis care/services for a resident who requires such services.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0698 · Deficient, Provider has date of correction (Oct 24, 2025)

DEnsure each resident’s drug regimen must be free from unnecessary drugs.

Potential for more than minimal harm · Pharmacy Service Deficiencies · Tag F0757 · Deficient, Provider has date of correction (Oct 24, 2025)

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.

Potential for more than minimal harm · Pharmacy Service Deficiencies · Tag F0755 · Complaint inspection · Deficient, Provider has date of correction (Jan 24, 2025)

November 4, 2024 · 11 citations · includes complaint inspection

EProvide appropriate treatment and care according to orders, resident’s preferences and goals.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0684 · Complaint inspection · Deficient, Provider has date of correction (Nov 22, 2024)

DEnsure residents have reasonable access to and privacy in their use of communication methods.

Potential for more than minimal harm · Resident Rights Deficiencies · Tag F0576 · Deficient, Provider has date of correction (Nov 22, 2024)

DCoordinate assessments with the pre-admission screening and resident review program; and referring for services as needed.

Potential for more than minimal harm · Resident Assessment and Care Planning Deficiencies · Tag F0644 · Deficient, Provider has date of correction (Nov 22, 2024)

DDevelop and implement a complete care plan that meets all the resident's needs, with timetables and actions that can be measured.

Potential for more than minimal harm · Resident Assessment and Care Planning Deficiencies · Tag F0656 · Deficient, Provider has date of correction (Nov 22, 2024)

DEnsure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0689 · Deficient, Provider has date of correction (Nov 22, 2024)

DProvide safe and appropriate respiratory care for a resident when needed.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0695 · Deficient, Provider has date of correction (Nov 22, 2024)

DProvide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist.

Potential for more than minimal harm · Pharmacy Service Deficiencies · Tag F0755 · Deficient, Provider has date of correction (Nov 22, 2024)

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.

Potential for more than minimal harm · Pharmacy Service Deficiencies · Tag F0761 · Deficient, Provider has date of correction (Nov 22, 2024)

DProvide or obtain dental services for each resident.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0791 · Deficient, Provider has date of correction (Nov 22, 2024)

DEnsure food and drink is palatable, attractive, and at a safe and appetizing temperature.

Potential for more than minimal harm · Nutrition and Dietary Deficiencies · Tag F0804 · Complaint inspection · Deficient, Provider has date of correction (Nov 22, 2024)

DMake sure that the nursing home area is safe, easy to use, clean and comfortable for residents, staff and the public.

Potential for more than minimal harm · Environmental Deficiencies · Tag F0921 · Deficient, Provider has date of correction (Nov 22, 2024)

March 1, 2024 · 2 citations · includes complaint inspection

DAllow residents to self-administer drugs if determined clinically appropriate.

Potential for more than minimal harm · Resident Rights Deficiencies · Tag F0554 · Complaint inspection · Deficient, Provider has date of correction (Mar 15, 2024)

DProvide and implement an infection prevention and control program.

Potential for more than minimal harm · Infection Control Deficiencies · Tag F0880 · Complaint inspection · Deficient, Provider has date of correction (Mar 15, 2024)

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.

Potential for more than minimal harm · Resident Rights Deficiencies · Tag F0578 · Deficient, Provider has date of correction (Nov 10, 2023)

DKeep residents' personal and medical records private and confidential.

Potential for more than minimal harm · Resident Rights Deficiencies · Tag F0583 · Deficient, Provider has date of correction (Nov 10, 2023)

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.

Potential for more than minimal harm · Resident Rights Deficiencies · Tag F0585 · Deficient, Provider has date of correction (Nov 10, 2023)

DProvide appropriate treatment and care according to orders, resident’s preferences and goals.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0684 · Deficient, Provider has date of correction (Nov 10, 2023)

DProvide enough food/fluids to maintain a resident's health.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0692 · Deficient, Provider has date of correction (Nov 10, 2023)

DProvide for the safe, appropriate administration of IV fluids for a resident when needed.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0694 · Deficient, Provider has date of correction (Nov 10, 2023)

DProvide safe, appropriate pain management for a resident who requires such services.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0697 · Deficient, Provider has date of correction (Nov 10, 2023)

Questions to ask on a tour of Carmel Health & Living Community

  1. 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?
  2. CMS rates staffing 2 out of 5. How many residents does each nurse aide care for on day, evening and night shifts?
  3. Nursing staff turnover was 65.8% a year. How many of the staff come from agencies?
  4. Do you have a Medicaid bed open now, and will you admit someone whose Medicaid application is still pending?
  5. 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.

DateTypeAmount or length
Nov 13, 2025 Fine $9,110

Rating history

CMS monthOverallInspectionStaffingQuality
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.

Hospital ratings, ER visit times and more at Hospitals In Each State
Source: CMS Care Compare. Distances are approximate.

Nearby nursing homes

The Barrington of Carmel Carmel · 0.9 mi away ★★★★★ Inspection 5/5 · Staffing 4/5 8 beds
Restoracy of Carmel Carmel · 0.9 mi away ★★★★☆ Inspection 3/5 · Staffing 2/5 72 beds · Medicaid
Wellbrooke of Carmel Carmel · 1.6 mi away ★★★☆☆ Inspection 2/5 · Staffing 3/5 74 beds · Medicaid
Majestic Care of Carmel Carmel · 2.0 mi away ★★★★☆ Inspection 3/5 · Staffing 2/5 94 beds · Medicaid
McGivney Health Care Center Carmel · 2.7 mi away ★☆☆☆☆ Inspection 2/5 · Staffing 1/5 37 beds · Medicaid

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

Other Cardon & Associates nursing homes in Indiana

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.

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https://www.nursinghomesineachstate.com/indiana/carmel/carmel-health-and-living-community/ · Data: CMS, October 2026 · Nursing Homes In Each State, not affiliated with CMS or Medicare.