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General Information Regarding Medicaid Planning & Techniques

General Overview of Long Term Care Planning

Long-Term Care Insurance is great if you have it.  That said, most people do not have this type of insurance, and Medicare and your supplemental health insurance only cover UP TO 100 for rehabilitation in a nursing home.  Thereafter, there generally is no coverage available.  Long-Term Care benefits are generally limited to a maximum per day benefit.  Many times the maximum daily benefit is well below the actual cost of care.  Also, the length of benefit may be limited in total dollars paid out or by time.  Even though most long-term care policies are guaranteed to be renewable, there is generally no guarantee regarding the future amount of premiums.

B benefit drops down to $90 a month in a nursing home.  The VA has separate Rules from Medicaid and is based on federal law.  There is generally a 9-13 month waiting list for benefits, however, when the benefits are ultimately paid,

Documents Required For Medicaid Application

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Documents Required by Medicaid Office

1. Copy of Driver’s License of Applicant and spouse if married – need FRONT and BACK.

2. Copy of Medicare Card of Applicant and spouse if married – need FRONT and BACK.

3. Copy of Social Security Card of Applicant and spouse if married – need FRONT and BACK.

4. Copy of Medicare Supplemental Insurance card and any other health insurance cards of Applicant and spouse if married – need FRONT and BACK.

5. Proof of military service (must show dates of service) of Applicant and spouse if married – usually DD 214.

6. Latest statement showing current income including Social Security of Applicant and spouse if married – 1099s or tax returns are not accepted by the State as proof of income.

7. Bank Statements for two years of Applicant and spouse if married including joint accounts – ALL pages needed – best organized by month and year – your bank or credit union will provide any that are missing (they may charge for the copies) – if the account is held in a Trust then we need two years.

8. Brokerage account statements for two years of Applicant and spouse if married including joint accounts – ALL pages needed – best organized by month and year –if the account is held in a Trust then we need two years.

9. Statements from all other financial accounts for two years of Applicant and spouse if married, including joint accounts – if the account is held in a Trust then we need two years.

10. Proof of amount of health insurance premiums being currently paid – can not use bank statement or pay stub showing deduction.

11. All documents pertaining to transfers of any property for last 2 years (autos, real property, cash, stocks, bonds etc. including gifts made).

12. Statements from knowledgeable sources on the fair market value of any property transferred within the last 2 years.

13. Copies of registration to vehicles of Applicant and spouse if married and copies of Titles if available.

14. Copies of deeds to all real property of Applicant and spouse if married.

15. Copy of burial plan with statement that plan is irrevocable (meaning that it can not be canceled and a refund received) of Applicant and spouse if married.

16. Copies of life insurance policies of Applicant and spouse if married. Must also have a statement or letter showing cash value of all policies that have a face value over $2,500 – even if the cash value is zero, we must have a statement or letter proving it.

17. If married copies of three most recent utility bills to include ONLY water, electric, gas, sewer and trash pick-up.

18. If married and paying rent, copies of three most recent rent receipts and proof of renter’s insurance premium amount if insured.

19. If married and own a home – need proof of monthly mortgage payment amount (statement, coupon book), need proof of amount of homeowner’s insurance premium, proof of amount of real property taxes, proof of amount of homeowner’s association fees (if any).

Long-term Care Answer Handbook

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Frequently asked questions about Long-term Care:

1. How can I pay for my Long-Term Care Needs?

Long-term care can be paid privately, through long-term care insurance, utilizing a Medicaid Program, or Veteran’s Administration’s Aid and Attendance Program.

 2. How much does Long-Term Care cost?

Nursing homes generally cost approximately $7,000 per month.  Assisted Living typically costs between $2,000 and $5,500 per month based on the services provided.  Home health care provided by a certified nursing assistant typically costs $12-$22 per hour.

3. When is a good time to start Long-Term Care Planning?

Becoming educated about your Long-Term Care Planning options sooner rather than later is always best. The sooner you are educated and possibly commence a Long-Term Care Plan the more options you will have. The federal and state laws are in a constant state of flux. Having a knowledgeable attorney in your corner is the basic building block to making sound and informed decisions when formulating a Long-Term Care Plan

4. Should I get a Long-Term Care?

You best defense against the costs of long-term care is being educated and knowing your options.  Having Long-Term Care insurance provides an additional line of defense in obtaining the care needed, while protecting assets.  However, there is no blanket answer as to who should obtain long-term care insurance.  There are numerous factors, such as your health, the costs of the basic insurance, the various options available on the insurance, such as a cost of living rider, among other, which are all relevant in making the decision to obtain a long-term care insurance policy. Knowing your options is free.

5.What Long-Term Care Programs are available through Medicaid?

  • The Home and Community Based Care Program (10-15 hours of help at home per week).

  • The Assisted Living Diversion Program (approximately 50 facilities participate in Brevard County).  The majority of the nursing homes in Brevard County participate in this Program.

6. Is there an income limit to be eligible to receive Medicaid benefits?

There is a gross monthly income cap in Florida, but exceeding the gross monthly income does not make an individual ineligible to receive Medicaid benefits. If the gross monthly income cap is exceeded by the Medicaid applicant, a special Medicaid Trust is needed.

7.What assets can I: have and still be eligible to receive Medicaid benefits?

  • If you are single:  a homestead home with an equity interest in the amount not to exceed $525,000; a vehicle of any value; any vehicles seven (7) years or older (no collector’s items or motor homes); pre-paid irrevocable burial arrangements; a burial fund of up to $2,500; term life insurance; life insurance with an aggregate face value of $2,500 or less; and $2,000 of other assets (generally tangible personal property is not counted).

  • If you are married:  you can have a homestead home of any value and the healthy spouse can have $113,640 of assets in addition to the assets listed above.

8. What is the current “look-back”period for gifting of assets prior to applying for Medicaid benefits?

The present federal look-back period is five (5) years for gifts.  It has been three (3) years in the past.  Florida adopted the federal five (5) year look-back period for gifting in January 2010.

9. What do I do if I want to apply for Medicaid benefits now, but have made gifts within the past five (5) years?

Florida Medicaid Rules permit an individual to “undue” previous gifting and erase the penalty period associated with the gift, thereby making the individual potentially eligible to receive Medicaid benefits.

10. Does giving an amount within the federal annual gift tax exclusion, such as $13,000 per year per individual help with Medicaid Planning?

No. Although gifting within the federal annual gift tax exclusion is legal, Medicaid still assesses a penalty of ineligibility to be able to receive Medicaid benefits for the gift being made.

11. I have not previously taken any action to protect my assets from the costs of long-term care, is it too late if I need care immediately?

No.  It is never too late to have a Medicaid Plan.  Many of the planning techniques can be implemented at the time of the need (although it is preferable to plan in advance to optimize your planning technique choices).

12. If I have long-term care insurance, am I still eligible to receive Medicaid benefits or VA Aid and Attendance benefits?

Yes.  Benefits paid from a Long-Term Care insurance policy are considered income for both Medicaid and VA Programs.

13. Can I “save” my benefits under my Long-Term Care insurance policy for later, and apply for Medicaid now?

No.  Medicaid is a benefit of last resort, so you must apply for any and all benefits you may be entitled to at the time you are applying for Medicaid benefits.

14. What if I have more assets then the exempt assets listed above? Can I still be eligible for Medicaid?

Nearly anyone can legally become eligible to receive Medicaid benefits if they receive competent and up to date legal advice.  The biggest mistake is failing to meet with an attorney and becoming educated about your options.  Do not assume that you cannot become eligible for Medicaid regardless of your current asset situation.

15. My spouse and I have a Pre-Nuptial Agreement.  Do my assets count towards my spouse’s Medicaid eligibility?

Medicaid does not recognize Pre-Nuptial Agreements.  Assets of both parties count toward the one spouse’s Medicaid eligibility.  However, there are Medicaid Planning techniques to eliminate this issue.

16. How long does it take to get Medicaid benefits?

Generally, Medicaid nursing home benefits are available immediately.  However, there is a waiting list for the Home and Community Based Care Program and the Assisted Living Program.

17. If my spouse’s income all goes to a nursing home for his/her care, I will not have enough income to live on.

What can I do?

The Medicaid Programs provide for a diversion of the institutional spouse’s income to the community spouse based on each individual’s gross monthly income and housing costs.

18. Will I be forced to divorce my spouse to get him/her the care they need without losing all of my assets?

Divorce is almost never the answer.  There are various legal planning techniques which can be implemented without the necessity of divorce.

19. Is my homestead home safe from the costs of long-term care?

Yes.  Both Florida Medicaid Law and VA Aid and Attendance permit an individual to own a homestead home and still become eligible to receive benefits.  The Florida Constitution protects homestead homes post-death when the decedent has heirs at law.

20. Do the assets in my Revocable Living Trust count towards Medicaid and VA Aid and Attendance eligibility?

Yes.  Revocable Living Trusts are helpful because, if funded properly, they avoid probate after death and can control the timing and amount of distributions to beneficiaries.

21. What is the VA Aid and Attendance Program and what are the requirements to be potentially eligible?

If a person served in the United Stated military during a war time declared by the US Congress and the Veteran served at least ninety (90) days of continuous service, one day of which is during a declared wartime, with no service connected injury, then the veteran may be eligible to receive a monthly payment for use to pay for long-term care.

22. What is the maximum amount a veteran can receive from the VA for Aid and Attendance?

Over $2,000 a month for the veteran and over $1,300 a month for the surviving spouse of a veteran.

23. What happens if you are the surviving spouse of a veteran and re-marry a non-veteran?

The VA Aid and Attendance benefit is lost.  However, if your last spouse was also a veteran, you would become eligible through their military service.

24. Where can VA Aid and Attendance benefits be utilized?

Generally VA Aid and Attendance benefits are only receivable at home or in an assisted living facility, and they drop down to $90 a month in a nursing home.

25. How do you apply for VA Aid and Attendance and how long does it take to receive any benefits?

VA Aid and Attendance benefits can be applied for through your local VA Office.  All applications are processed in Philadelphia, PA, and take at least seven (7) months to process.  VA benefits are paid retroactive to the date of application after they are approved.

26. Is there a look-back period for gifting when applying for VA Aid and Attendance?

Presently, as of December 2012, there is no look-back period for gifting when applying for the VA Aid and Attendance Program.  However, there is federal legislation pending which would make a three (3) year look-back period for gifting.  However, Medicaid has a five (5) year look-back period and many times an individual may need to qualify for Medicaid benefits also.

27. Can I qualify for both Medicaid and VA Aid and Attendance Programs?

Under the present law, an individual can receive benefits under both the Medicaid and VA Programs.

28. Is there an income limit to receive VA Aid and Attendance benefits?

No. VA Aid and Attendance benefits are based on UME’s (uncovered medical expenses).

29. Is there an asset limit to be able to receive VA Aid and Attendance benefits?

Yes, there are asset limits to VA Aid and Attendance.  The asset limit is based on an internal sliding scale based on the age(s) of the individuals.

30. Are there exempt assets when qualifying for the VA’s Aid and Attendance Program?

Yes.  Your homestead home, your vehicle, your burial arrangements, and term life insurance are among the exempt assets.

31. If you are married, whose assets count toward eligibility for the VA Aid and Attendance Program?

Both the husband and wife’s assets are counted when determining eligibility for the veteran for the Program.

32. If I am married, do I need a Durable Power of Attorney for my spouse?

Regardless of how long you have been married, a spouse cannot sign on behalf of the other spouse by virtue of being married. Often people confuse this issue because they have access to most assets due to the fact that they are held in the spouses’ joint name.  However, in dealing with some assets, such as retirement accounts and real property, a spouse needs the other spouse’s Power of Attorney.

33. I have an old Power of Attorney. Do I need to do a new one ever?

Third parties, such as financial institutions, do not take their obligations with regard to honoring a Power of Attorney lightly.  Generally, all Powers of Attorney are screened by the financial institution’s Legal Department.  If there is even the slightest reason, a Power of Attorney may be rejected.  Therefore, keeping your Power of Attorney up to date is important.  The last change to the Power of Attorney Statute in Florida was in November 2011.  If you are older or have health issues and you are naming the same Agent in the Power of Attorney, you may want to keep the old document.  Also, you may want to obtain a note from your physician indicating you are competent and retain same in you and your attorney’s records.

34.  When does a Power of Attorney become effective?

In general, at the time a Power of Attorney is signed, it becomes effective.  There are Powers of Attorney which are “springing” and go into effect upon an illness, but these are relatively rare and present another obstacle that an Agent attempting to use the Power of Attorney must prove to a third party to have their authority recognized.

35. Can I have more than one person act as my Agent under a Power of Attorney?

Yes, multiple Agents can be listed in a Power of Attorney acting together, acting individually or acting in succession.

36. Does my power as an Agent under a Power of Attorney exceed or “trump” that of the person who created the Power of Attorney?

No. An Agent under a Power of Attorney does not have the power to trump the authority of the creator of the Power of Attorney.  Even if an individual has created a Power of Attorney, a guardianship can be necessary if the individual will not take actions in their own best interest (such as ceasing to drive when the doctor indicates they cannot drive).  The individual who created the Power of Attorney can also revoke the Power of Attorney at any time.

37. When does a Power of Attorney cease to be effective?

At the time of the death of the individual, if the individual revokes the Power of Attorney, or if a guardianship action is commenced for that individual.

38. What is the effect of a doctor stating an individual has dementia or is incompetent in that individual’s medical records?

While this may be evidence of incompetency, it does not make an individual incompetent.  Only a Judge can declare an individual legally incompetent through a guardianship action.

39. Why do I need a Health Care Surrogate?

If you are unable to make your own medical decisions and you do not have a Health Care Surrogate nominated, the Florida Statutes provide a “proxy” which contains the default order of who would make your medical decisions for you.

40. How do I get started with the Long-Term Care Planning process?

Although there are many sources to obtain information such as books, friends, relatives, the internet, financial professionals and other people in the industry, unfortunately, much of the information available is either inaccurate, outdated, too technical, or too watered down.  The Medicaid Law is state specific.  The best source of information is a knowledgeable attorney who has years of experience practicing in the field of Long-Term Care Planning and who keeps up with the ever-changing federal and state laws which govern your options when implementing a Long-Term Care Plan.

ABOUT THE AUTHOR: David H. Jacoby is a Brevard County attorney practicing in Melbourne, Florida in the area of Long-Term Care Planning for nearly 25 years.  He is a member of the Elder Law Section of the Florida Bar, the Academy of Elder Law Attorney’s, and the National Academy of Elder Law Attorney’s.  He has been utilized as an expert witness in Court proceeding in the area of Long-Term Care Planning, a Lecturer for Florida Bar Programs, a consistent participant in educational programs to the Long-Term Care industry and the public.  In addition to having a Juris Doctorate from Stetson University College of Law, he has a Bachelor’s degree in Finance from Florida State University, and both a Realtor and Insurance license.  Mr. Jacoby is married to his wife, Erin, and has 4 children and 6 grandchildren.

Activities of Daily Living Measured by Medicaid

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Activities of Daily Living (ALD’s) Measured by Medicaid

“How much help do you need with the following Activities of Daily Living”

A. Bath – Bathing includes running the water, taking the bath or shower, and washing all

parts of the body, including hair. Are deficits the result of mental impairment, physical limitations, or difficult access.

B. Dress – Dressing includes getting out of clothes, putting them on, taking them off and fastening/unfastening them; it also includes putting on shoes.

C. Eat – Eating includes eating, drinking from a cup, and cutting foods.

D. Use Bathroom – Using the toilet independently includes adjusting clothing, getting to and

on the toilet, and cleaning oneself. If a person can manage an accident alone, they are independent.

If the person needs to be reminded to use the toilet, he/she needs coaching. What is

the frequency of toileting accidents. Does the person have any control? Do accidents occur at

certain times only?

E Transfer – Transferring is getting in and out of bed or chair. Does the person actually demonstrate this ability or do they need a device to do so.

F. Walking/Mobility – Independence in walking refers to the ability to walk short distances at home, but it does not include the ability to climb

Potential Services Provided by Medicaid

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Potential Services Provided by Medicaid

– Personal Care

– Homemaker

– Home Delivered Meals

– Pharmacy

– DME/Supplies

– Emergency Monitor

– Environmental Adaptation

– Assisted Living Facilities

– Companion

– Escort

– Adult Day Care

– OTC Medications

– Respite Care (Home or Facility)

– Chore Service

– Financial Counseling

– Skilled Nursing Facilities

Nursing Home & Assisted Living Facilities that Accept Medicaid in Brevard

The following Nursing Home & Assisted Living Facilities accept Medicaid in Brevard

A & J ASSISTED LIVING
2466 Ralph Ave, Palm Bay, FL 32909
Phone (321) 245-3745 Fax
Minimum R & B:

A & M ALF
1581 Zaffer Street NW, Palm Bay, FL 32907
Phone (321) 914-4125 Fax (321) 914-4124
Minimum R & B: $1,600.00

A PLACE LIKE HOME ALF, INC.
1971 Port Malabar Blvd., Palm Bay, FL 32905
Phone (321) 693-3325 Fax (321) 821-9411
Minimum R & B: $1,550.00

ALF AT OCEAN BREEZE GARDENS
535 Jackson Avenue, Satellite Beach, FL 32937
Phone (321) 610-7056 Fax (321) 989-0209
Minimum R & B: $1,600.00

ALL ONE FAMILY WOODS LAKE INC.
306 Woods Lake Dr., Cocoa, FL 32926
Phone (321) 536-7862 Fax (321) 453-7761
Minimum R & B: $1,450.00

ALL ONE FAMILY WOODSMERE INC.
1104 Woodsmere Parkway, Rockledge, FL 32955
Phone (321) 453-6577 Fax (321) 453-7761
Minimum R & B: $1,450.00

ANGELS LANDING OF BREVARD INC.
731 NW Altona Street, Palm Bay, FL 32907
Phone (321) 473-8692 Fax (321) 952-4429
Minimum R & B: $2,000.00

ARK CENTER OF BREVARD
1574 Manzanita St. NW, Palm Bay, FL 32907
Phone (321) 574-0309 Fax (321) 574-0309
Minimum R & B: $1,500.00

ARK CENTER OF BREVARD II
1574 Veronica Ave. NW, Palm Bay, FL 32907
Phone (321) 795-8532 Fax (321) 473-8806
Minimum R & B: $1,500.00

BANANA RIVER VILLAS
1275 N. Banana River Dr. Unit 5, Merritt Island, FL 32952
Phone (407) 451-5894 Fax (407) 386-6267
Minimum R & B: $2,300.00

BETHESDA ON TURKEY CREEK
2800 Fordham Rd. NE, Palm Bay, FL 32905
Phone (321) 723-3288 Fax (321) 728-4511
Minimum R & B: $1,125.00

BROOKSHIRE(THE)
85 Bulldog Blvd., Melbourne, FL 32901
Phone (321) 984-7966 Fax (321) 728-4511
Minimum R & B: $1,410.00

BUENA VIDA ASSISTED LIVING INC.
2129 W New Haven Ave.,West Mebourne, FL 32904
Phone (321) 724-0060 Fax (321) 724-6775
Min. R & B: $1,600.00 plus initial lifetime investment.

CAROLINA CARE
2460 Kathi Kim St., Cocoa, FL 32926
Phone (321) 449-9639 Fax (866) 268.4725
Minimum R & B: $900.00

CARRIAGE HOUSE ALF
1832 Country Club Dr., Titusville, FL 32780
Phone (321) 383-3531 Fax (321) 383-3532
Minimum R & B: $2,000.00

CASUAL COUNTRY LIVING
4801 Mango Ave., Cocoa, FL 32926
Phone (321) 632-9622 Fax (321) 632-9622
Minimum R & B: $1,500.00

CEDAR CREEK LIFE CENTER
4279 Judith Ave., Merritt Island, FL 32953
Phone (321) 454-7768 Fax (321) 454-7714
Minimum R & B: $1,150.00

CENTURY OAKS ALF
4001 Stack Blvd., Melbourne, FL 32901
Phone (321) 722-4440 Fax (321) 722-9022
Minimum R & B: $1,900.00

CHRISTIE’S PLACE 2
909 Albion St. NW, Palm Bay, FL 32907
Phone (321) 727-0905 Fax (321) 727-0905
Minimum R & B: $1,100.00

DIVINE LIVING ALF
1431 Morgan Court, Melbourne, FL 32934
Phone (321) 622-4615 Fax
Minimum R & B:
ELMS (THE)
1740 Elmhurst Cir., Palm Bay, FL 32909
Phone (321) 951-2272 Fax (321) 951-2272
Minimum R & B: $1,400.00

EMERITUS AT MELBOURNE
1765 W. Hibiscus Blvd., Melbourne, FL 32901
Phone (321) 733-7111 Fax (321) 733-1412
Minimum R & B: $1,150.00

FLORIDA ASSISTED LIVING HOMES, LLC
2204 Parsons Ave., Melbourne, FL 32901
Phone (321) 821-4084 Fax (321) 821-1829
Minimum R & B: $1,100.00

FLORIDA SHORES OF MELBOURNE 1 ALF
2155 Keystone Ave., Melbourne, FL 32904
Phone (321) 726-8070 Fax (321) 726-8070
Minimum R & B: $1,000.00

FRIENDS AT HOME ASSISTED LIVING INC.
2680 Canaveral Groves Blvd, Cocoa, FL 32926
Phone (321) 631-4005 Fax (866) 268-4725
Minimum R & B: $2,000.00

GINNY’S PLACE
1198 Auburn Lakes Dr., Rockledge, FL 32955
Phone (321) 504-3478 Fax
Minimum R & B:

GLENBROOK AT PALM BAY
815 Briar Creek Blvd. NE, Palm Bay, FL 32905
Phone (321) 956-3330 Fax (321) 956-3998
Minimum R & B: $1,200.00

GLENVILLE PINES ASSISTED LIVING
1351 Steele Road SE, Palm Bay, FL 32909
Phone (321) 984-7568 Fax (321) 984-7568
Minimum R & B: $1,400.00

GOLDEN WINGS DARROW
1351 Darrow Road SW, Palm Bay, FL 32908
Phone (321) 676-6331 Fax (321) 951-2118
Minimum R & B: $1,500.00

GOLDEN WINGS WENDEL
3116 Wendel Rd. SE, Palm Bay, FL 32909
Phone (321) 952-6623 Fax (321) 951-2118
Minimum R & B: $1,500.00

GRAND VILLA OF MELBOURNE
964 S. Harbor City Blvd, Melbourne, FL 32901
Phone (321) 725-0300 Fax (321) 725-0351
Minimum R & B: $1,750.00

HERITAGE POINTE MANOR
3831 Funston Cir. Melbourne, FL 32940
Phone (321) 693-4269 Fax
Minimum R & B:

HIBISCUS COURT
540 E. Hibiscus Blvd, Melbourne, FL 32901
Phone (321) 951-1050 Fax (321) 951-0608
Minimum R & B: $2,000.00

HORIZON HOUSE
119 W. Suwannee Lane, Cocoa Beach, FL 32931
Phone (321) 626-6672 Fax (321) 268-4725
Minimum R & B: $1,700.00

JACKIE’S RETIRMENT ALF
1675 Canon Ave., Palm Bay, FL 32907
Phone (321) 420-3916 Fax
Minimum R & B:

JACOB’S LADDER FAMILY ASSISTED LIVING, LLC
946 Brunswick Lane, Rockledge, FL 32955
Phone (321) 636-1911 Fax (321) 234-0232
Minimum R & B: $1,100.00

JACOB’S LADDER FAMILY II ASSISTED LIVING
123 Boca Ciega Rd, Cocoa Beach, FL 32931
Phone (321) 613-2672 Fax (321) 234-0232
Minimum R & B: $1,200.00

JEMCARE SERVICES, INC
117 Finkle St. SW, Palm Bay, FL 32908
Phone (321) 956-1958 Fax
Minimum R & B:

J & K ASSISTED LIVING
155 Aviation Ave. NE, Palm Bay, FL 32907
Phone (321) 327-3501 Fax
Minimum R & B:

LA CASA ASSISTED LIVING
220 N. Grove St., Merritt Island, FL 32953
Phone (321) 426-5505 Fax (321) 806-4500
Minimum R & B: $1,600.00

LA CASA MEMORY CARE, INC.
211 McLeod St., Merritt Island, FL 32953
Phone (321) 426-5505 Fax (321) 806-4500
Minimum R & B: $1,600.00

LILAC HOUSE
1770 S. Lilac Circle, Titusville, FL 32796
Phone (321) 626-6672 Fax (321) 268-4725
Minimum R & B: $1,700.00

MAGNOLIA HOUSE
103 Yacht Haven Dr., Cocoa Beach, FL 32931
Phone (321) 613-3029 Fax (321) 613-3029
Minimum R & B: $1,950.00

MELBA COVE, LLC
267 Melba Ave. NW, Palm Bay, FL 32907
Phone (321) 327-4942 Fax (321) 327-4942
Minimum R & B: $1,850.00

MELODIE’S PLACE, LLC
4685 Lee St., Cocoa, FL 32926
Phone (321) 806-4120 Fax (321) 806-4120
Minimum R & B: $1,850.00

NOMELS ALF
3818 Jupiter Blvd, Palm Bay, FL 32909
Phone (321) 984-4265 Fax
Minimum R & B:

NURSING CARE BY ANGELS ALF
2440 Emerson Dr. SE, Palm Bay, FL 32909
Phone (321) 327-7411 Fax (321) 327-7410
Minimum R & B: $900.00

OUR HOUSE
315 Wainai Dr, Merritt Island, FL 32952
Phone (321) 449-9639 Fax (321) 268-4725
Minimum R & B: $1,600.00

PALACE RETIRMENT HOME
965 S. Florida Ave., Rockledge, FL 32955
Phone (321) 639-0004 Fax (321) 639-1238
Minimum R & B: $1,000.00

PALM COTTAGES OF ROCKLEDGE
3821 Sunnyside Court, Rockledge, FL 32955
Phone (321) 633-1819 Fax (321) 639-7328
Minimum R & B: $1,550.00

PEACE HAVEN ALF
1090 Douglas St. SE, Palm Bay, FL 32909
Phone (321) 727-3380 Fax
Minimum R & B:

PLACE AT MERRITT ISLAND (THE)
535 Crockett Blvd, Merritt Island, FL 32953
Phone (321) 454-2363 Fax
Minimum R & B:

PLATNUM OAKS ALF LLC
3610 Manassass Ave., Melbourne, FL 32934
Phone (321) 253-2050 Fax
Minimum R & B:

PLEASANT HOME INC.
485 Wayland Rd SW, Palm Bay, FL 32908
Phone (321) 984-8688 Fax (321) 953-4515
Minimum R & B: $800.00

R & C ULTIMATE CARE LLC
2660 SE Westside Ave, Palm Bay, FL 32909
Phone (321) 953-2590 Fax (321) 674-1566
Minimum R & B: $1,400.00

RIVERVIEW RETIREMENT CENTER
4470 S Washington Ave, Titusville, FL 32780
Phone (321) 383-2125 Fax (321) 383-2125
Minimum R & B: 600.00

SERENITY PLACE ALF
490 Brighton Ave. NE, Palm Bay, FL 32907
Phone (321) 951-4070 Fax (321) 725-6007
Minimum R & B: $1,150.00

SERENITY PLACE II ALF
256 Barbarossa Rd NW, Palm Bay, FL 32907
Phone (321) 724-6040 Fax (321) 951-4070
Minimum R & B: $1,100.00

SHANGRI-LA ALF LLC
997 Lyons Cir NW, Palm Bay, FL 32907
Phone (321) 914-0669 Fax
Minimum R & B:

SHANGRI-LA II ALF LLC
1212 Coral Reef Ave. NW, Palm Bay, FL 32907
Phone (321) 914-4635 Fax
Minimum R & B:

SHERWOOD HOUSE ALF
2465 East Sherwood Cir., Cocoa, FL 32926
Phone (321) 449-9639 Fax (866) 268-4725
Minimum R & B: $1,000.00

SILVER PINES ASSISTED LIVING, LLC
2360 Madrid Ave SE, Palm Bay, FL 32909
Phone (321) 956-8141 Fax (321) 768-1220
Minimum R & B: 1,400.00

SMILES AND LOVING CARE
1065 Garden Road, Merritt Island, FL 32952
Phone (321) 454-4624 Fax (321) 726-8070
Minimum R & B: $1,500.00

SOUTHLAND SUITES OF MELBOURNE
2680 Croton Rd, Melbourne, FL 32935
Phone (321) 245-3745 Fax
Minimum R & B:

STILLWATER ALF CORP
2881 Quentin Ave SE, Palm Bay, FL 32909
Phone (321) 914-3688 Fax (321) 684-3689
Minimum R & B: $1,100.00

STILLWATER BRICKELL
1139 Brickell St., Palm Bay, FL 32909
Phone (321) 420-9390 Fax
Minimum R & B:

TITUSVILLE TOWERS
405 Indian River Ave, Titusville, FL 32796
Phone (321) 264-8965 Fax (321) 264-8966
Minimum R & B: $950.00

TOWN SQUARE AT VIERA (THE)
1700 Wuesthoff Dr., Melbourne, FL 32940
Phone (321) 255-6030 Fax (321) 255-3075
Minimum R & B: $1,000.00

TRANQUILITY HAVEN, LLC.
1345 Wilderness Lane, Titusville, FL 32796
Phone (321) 406-1577 Fax (321) 631-5969
Minimum R & B: $1,550.00

VELROSE ALF
1064 Briarwood Blvd NE, Palm Bay, FL 32905
Phone (321) 327-8853 Fax (321) 327-8853
Minimum R & B: $2,000.00

WINNIFRED ALF
1302 Ginza Rd NW, Palm Bay, FL 32907
Phone (321) 821-4699 Fax
Minimum R & B:

YAN YAN HEALTHCARE, INC.
585 Allen Dr., Merritt Island, FL 32952
Phone (321) 305-5198 Fax (321) 305-5198
Minimum R & B: $1,600.00

ZION’S ALF
2029 Jupiter Blvd. SW, Palm Bay, FL 32908
Phone (321) 693-0282 Fax (321) 327-7243
Minimum R & B: $1,100.00

LONG-TERM CARE PLANS/ CARE PROVIDERS

AMERICAN ELDER CARE
1600 SARNO ROAD, SUITE 108
MELBOURNE, FL 32935
Phone (321) 421-1521 Fax (321)421-1520
https://www.americaneldercare.com

COVENTRY HEALTHCARE
1340 Concord Terrace
Sunrise, FL 33323
Phone (866) 847-8235
https://www.coventryflltc.com

SUNSHINE HEALTH
Phone (866) 769-1158 OR (407) 488-5093
OR 877-211-1999
https://www.sunshinehealth.com

UNITED HEALTHCARE OF FLORIDA INC.
Phone (800) 791-9233
https://www.uhccommunityplan.com/

HOSPICE

HOSPICE OF ST. FRANCES
4875 N. Wickham Road, Suite 104
Melbourne, FL 32940
Phone (321) 269-4240

VITAS HOSPICE SERVICES
1901 S Harbor City Blvd
Melbourne, FL 32901
Phone (321) 733-4536

NURSING HOMES

ANCHOR CARE
1515 Port Malabar Blvd NE, Palm Bay, FL 32905
Phone: (321) 723-1235 Fax (321) 724-4292

ATLANTIC SHORES NURSING AND REHAB CENTER
4251 Stack Blvd, Melbourne, FL 32905
Phone (321) 953-2219 Fax (321) 953-2753

AVANTE AT MELBOURNE, INC.
1420 South Oak St, Melbourne, FL 32901
Phone (321) 723-3215 Fax (321) 728-4963

CONSULATE HEALTHCARE OF MELBOURNE
3033 Sarno Rd, Melbourne, FL 32934
Phone (321) 255-9200 Fax (321) 255-9213

COURTENAY SPRINGS VILLAGE
1100 South Courtenay Parkway, Merritt Island, FL 32952
Phone (321) 452-1233 Fax (321) 452-7068

HEALTH CENTER OF MERRITT ISLAND
500 Crockett Blvd, Merritt Island, FL 32953
Phone (321) 454-4035 Fax (321) 453-0280

HUNTINGTON PLACE REHAB AND NURSING HOME
1775 Huntington Lane, Rockledge, FL 32955
Phone (321) 632-7341 Fax (321) 632-6477

INDIAN RIVER CENTER
7201 Greenboro Dr., West Melbourne, FL 32904
Phone (321) 727-0990 Fax (321) 951-4553

ISLAND HEALTH AND REHAB CENTER
125 Alma Blvd, Merritt Island, FL 32953
Phone (321) 453-0202 Fax (321) 453-6236

LIFE CARE CENTER OF MELBOURNE
606 E Sheridan Rd, Melbourne, FL 32901
Phone (321) 727-0984 Fax 321-727-3606

LIFE CARE CENTER OF PALM BAY
175 Villa Nueva Ave, Palm Bay, FL 32907
Phone (321) 952-1818 Fax (321) 952-1113

MELBOURNE TERRACE REHABILITATION CENTER
251 Florida Ave, Melbourne, FL 32901
Phone (321) 725-3990 Fax (321) 733-7708

PALMS REHAB AND HEALTHCARE CENTER (THE)
5405 Babcock St NE, Palm Bay, FL 32905
Phone (321) 722-0660 Fax (321) 722-2669

ROCKLEDGE HEALTH AND REHAB CENTER
587 Barton Blvd, Rockledge, FL 32955
Phone (321) 632-6300

ROYAL OAKS NURSING AND REHAB CENTER
2225 Knox McRae Drive, Titusville, FL 32780
Phone (321) 267-0660 Fax 321-268-3303

TITUSVILLE REHABILITATION & NURSING CENTER
1705 Jess Parrish Court, Titusville, FL 32796
Phone (321) 269-5720 Fax (321) 269-6245

VISTA MANOR
1550 Jess Parrish Court, Titusville, FL 32796
Phone (321) 269-2200

WAVECREST HEALTH & REHAB
(FORMER) CARNEGIE GARDENS
1415 S Hickory St., Melbourne, FL 32901
Phone (321) 723-1321 Fax (321) 768-0403

WEST MELBOURNE HEALTH AND REHAB
2125 W New Haven Ave, West Melbourne, FL 32904
Phone (321) 725-7360 Fax (321) 727-8005

WUESTHOFF PROGRESSIVE CARE
8050 Spyglass Rd, Melbourne, FL 32940
Phone (321) 752-1000