About Assisted LivingAssisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.Complete guide to assisted livingBest of 2024 Assisted Living Winners
About Memory CareMemory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering. Complete guide to memory careBest of 2024 Memory Care Winners
About Independent LivingIndependent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.Complete guide to independent livingBest of 2024 Independent Living Winners
About Senior LivingSenior living is a term used to describe various housing and care options for older adults from maintenance-free, 55+ facilities for active seniors, to secure, fully staffed facilities for seniors with Alzheimer's or dementia. Complete guide to senior livingFind senior living facilities near you
About Nursing HomesNursing homes provide short-and long-term care for seniors who have physical or mental health conditions that require 24-hour nursing and personal care.Complete guide to Nursing Homes
About Senior ApartmentsSenior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.Complete guide to Senior Apartments
About Care HomesResidential care homes are shared neighborhood homes for seniors who need a live-in caregiver to assist with activities of daily living, like dressing and bathing.Complete guide to care homes
Veteran ResourcesVA benefits for long-term care, such as Aid and Attendance benefits, can help eligible veterans and their surviving spouses pay for senior care.Guide to VA benefits for long-term care
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10 Best Independent Living Communities in Indianapolis, IN

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Often referred to as “Indy” by locals, Indianapolis has many appealing qualities, from an affordable cost of living and an enthusiastic sports scene to impressive attractions. Active seniors will find themselves right at home in one of Indianapolis’ independent living communities. Independent living communities are for independent seniors who don’t need assistance with daily tasks. These communities fit seniors who would like a more social and leisurely lifestyle, with all-inclusive amenities and services like housekeeping and chef-prepared meals.

A Place for Mom partners with 18 independent living communities within 10 miles of downtown Indianapolis. This helpful guide uses our 20+ years of experience in senior living and a proprietary rating system to paint the most accurate picture of what to expect from Indianapolis independent living communities. We break down the specifics of independent living in Indianapolis and cover the different types of communities, popular services, and ways people typically pay.

Indianapolis independent living facilities | 555 reviews

Showing 38 communities
Last Updated: 5/24/24
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Best of Senior Living

The top senior living communities stand out for their exceptional care and support of seniors in independent living, assisted living, memory care, and in-home care. Our Best of Senior Living Award winners represent the top 1-2% of senior care providers nationwide based on reviews from those who matter most: residents and families.

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Photo of Five Star Residences of ClearwaterCommunity card badge
1717 Photos available
66 Floor plans available
9.8
Review score
52 reviews
9.8
Review score
52 reviews
5 star
57%
4 star
25%
3 star
10%
2 star
2%
1 star
6%
See all reviews
[name removed] has been a God send. She took her time and was very kind and patient with Mom. She genuinely cares. That is the most important thing to us Now that our roles are reversed. Thank you [name...
Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Located in the Clearwater area, Five Star Residences of Clearwater offers Independent and Assisted living with 81 licensed apartment from studios to two bedroom/ 2 bath apartments. Our campus also provides various floorplans of 7 Garden Homes. Enjoy unlimited dining services and complimentary...
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Photo of Traditions at North WillowCommunity card badge
2121 Photos available
77 Floor plans available
9.8
Review score
74 reviews
9.8
Review score
74 reviews
5 star
82%
4 star
14%
3 star
3%
2 star
1%
1 star
0%
See all reviews
The place is welcoming. It feels more like a really nice apartment building than a facility. The location is closer to family. Other places felt institutional, this one does not.
Provides: Assisted Living, Memory Care, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Traditions at North Willow brings a highly desirable new senior living community to the residents of greater Indianapolis. Our community is ideally located next to St. Vincent Hospital on 86th Street. Transportation is available, our residents enjoy shopping, restaurants and many entertainment...
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Photo of Five Star Residences of Banta Pointe
2020 Photos available
44 Floor plans available
9.6
Review score
37 reviews
9.6
Review score
37 reviews
5 star
51%
4 star
38%
3 star
8%
2 star
3%
1 star
0%
See all reviews
For the value for cost it is expensive, but they do everything well, they keep the properties looking great and the snow and ice removal was wonderful. I love it here. Based on the experience I have had so...
Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
See details
Photo of The Forum at the Crossing
1010 Photos available
99 Floor plans available
Pricing promotion expiring soon
9.2
Review score
23 reviews
9.2
Review score
23 reviews
5 star
61%
4 star
13%
3 star
9%
2 star
13%
1 star
4%
See all reviews
They're very willing to work with the family to get the best care. They have 24 hour nursing care and the cost was economical considering the care and facility.
Provides: Memory Care, Independent Living
Care types provided by this community
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
The Forum at the Crossing, a full-service senior living community located in Indianapolis' attractive north side, offers Independent Living (home health services are available on-site) and Alzheimer's/dementia Care. Lifestyle 360 offers residents a variety of activities, bringing the five...
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Photo of NeighborCare of Chapel Hill
33 Photos available
Pricing promotion
9.1
Review score
20 reviews
9.1
Review score
20 reviews
5 star
40%
4 star
40%
3 star
10%
2 star
10%
1 star
0%
See all reviews
The staff that cleans the lobby and other venues do a good job. Every one has been kind. Although I receive a calendar of events made available to me, I have not yet participated, because I have my own way...
Provides: Independent Living, Senior Apartments
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
See details
Photo of American Village
1414 Photos available
22 Floor plans available
9.1
Review score
55 reviews
9.1
Review score
55 reviews
5 star
69%
4 star
25%
3 star
2%
2 star
4%
1 star
0%
See all reviews
Negatives include: no flexibility regarding food offerings and what seems excessive in entry level staff turnover. Many other staff have long tenure which is impressive. Communication could be a LOT better...
Provides: Assisted Living, Memory Care, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Caring people make the difference at American Village. You can feel it the minute you walk in and meet our staff. Our healthcare professionals are here to help you and your family find answers, solutions and peace of mind. In fact, they become an extension of your family.American Village offers a...
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Photo of Rosegate Commons
99 Photos available
77 Floor plans available
9.0
Review score
36 reviews
9.0
Review score
36 reviews
5 star
39%
4 star
55%
3 star
3%
2 star
3%
1 star
0%
See all reviews
I live in one of the Garden Homes with a garage. I go to the workout room twice a week. I can eat meals in the restaurant for $10.00 a meal. I wear a nurse call necklace and the one time I needed them they...
Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Rosegate offers the very best in senior retirement living and healthcare. When someone chooses to live in one of our communities, we become an extension of their family. We take the time to get to know each of our residents and their families on a personal level. Our communities are made up of...
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Photo of Westside Garden Plaza
1515 Photos available
33 Floor plans available
9.0
Review score
34 reviews
9.0
Review score
34 reviews
5 star
50%
4 star
47%
3 star
0%
2 star
3%
1 star
0%
See all reviews
The care services are not applicable because our loved ones are on the independent living side. The community is very nice, the staff members are super friendly and there is a lot of space. They have big...
Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
At Westside Garden Plaza, conveniently located near a variety of retail, medical and entertainment facilities, it's all about choices. We work to ensure that each resident has the freedom to maintain a vibrant and active lifestyle.Our community offers both Independent and Assisted Living in...
Photo of Marquette
11 Photo available
1111 Floor plans available
8.9
Review score
11 reviews
8.9
Review score
11 reviews
5 star
82%
4 star
0%
3 star
0%
2 star
18%
1 star
0%
See all reviews
It's been a great experience for my loved one. It's been genuinely a great experience. [name removed] doesn't believe it but I believe it saved her life. She is much healthier now because of all the exercise...
Provides: Assisted Living, Memory Care, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Marquette is managed by Life Care Services®, An LCS® Company. For 3 years in a row, Life Care Services ranked highest in customer satisfaction in the J.D. Power Senior Living Study and achieved the highest score in all seven study factors: resident services and activities; community staff; food...
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Photo of Sycamore Reserve
1616 Photos available
8.9
Review score
8 reviews
8.9
Review score
8 reviews
5 star
100%
4 star
0%
3 star
0%
2 star
0%
1 star
0%
See all reviews
Have been here 8.5 months. The last month was hard getting used to a different life. After that, I was happy my daughter picked this place for me. I am 97 so having my meals and cleaning done for me is a...
Provides: Independent Living
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Welcome to Sycamore ReserveConveniently located in Castleton on the northside of Indianapolis, Sycamore Reserve is a new full-service independent senior living community dedicated to your comfort and happiness. We provide genuine personal service in a relaxed, yet refined atmosphere. Our 97...
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Photo of Traditions at Solana
2020 Photos available
1010 Floor plans available
7.4
Review score
118 reviews
7.4
Review score
118 reviews
5 star
72%
4 star
9%
3 star
6%
2 star
5%
1 star
8%
See all reviews
My mom has been at Traditions at Solana for 16 months and I'm so glad we chose this location. The staff are so caring, kind and patient with my mom. I have never seen an impatient or cross word spoken to any...
Provides: Assisted Living, Memory Care, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Traditions at Solana is a luxurious assisted living community located in beautiful and bustling Indianapolis, Marion County, Indiana. Our waterfront community is located at Keystone at the Crossing, providing a park-like setting with abundant walking paths offering gorgeous views of the White...
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Photo of Beech Grove Assisted Living and Garden Homes
1212 Photos available
55 Floor plans available
6.9
Review score
20 reviews
6.9
Review score
20 reviews
5 star
55%
4 star
10%
3 star
25%
2 star
10%
1 star
0%
See all reviews
The staff seems friendly and helpful. My mother is in an independent living unit so we don't need the help of the staff often, but they do seem nice. It would be great if they had more non-game activities.
Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Caring people make the difference at Beech Grove Meadows. You can feel it the minute you walk into our community and meet our staff. They are experts at senior healthcare that are not just doing a job, but following a calling. They are here to help you and your family find answers, solutions and...
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Photo of Altenheim
1818 Photos available
6.7
Review score
10 reviews
6.7
Review score
10 reviews
5 star
30%
4 star
30%
3 star
20%
2 star
0%
1 star
20%
See all reviews
We have had a good experience. The staff is friendly, Director of admissions was very easy to work with and explained all the policies and the evaluation process very well. We picked Altenheim based on...
Provides: Assisted Living, Memory Care, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Nestled on 32 beautiful acres, Altenheim hasjust what you are looking for in Independentand Assisted Living services. Relax in your lovelyapartment or garden home and discover the perfect mix of tradition and modern conveniences – with an extended family of friends and neighbors who enjoythe...
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Photo of Robin Run
1010 Photos available
6.0
Review score
30 reviews
6.0
Review score
30 reviews
5 star
49%
4 star
20%
3 star
7%
2 star
7%
1 star
17%
See all reviews
New CEO- going thru transition right now Large number of residents in Independent Living Able to afford larger apartment Paid part of moving expenses Larger number of activities
Provides: Assisted Living, Memory Care, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Your passions didn’t just disappear when you turned 70, did they? We didn’t think so. At our continuing care retirement community (CCRC) you’ll have fewer chores and more time for adventures. Here you’ll have access to four levels of care on one campus, including independent living, assisted...
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Photo of Spring Mill Meadows
99 Photos available
44 Floor plans available
3.0
Review score
6 reviews
3.0
Review score
6 reviews
5 star
50%
4 star
33%
3 star
17%
2 star
0%
1 star
0%
See all reviews
We are so pleased with our choice to go with Spring Mill Meadows. My dad is so happy there. He loves his "apartment" and the staff is wonderful. Thank you so much for the referral. [Name removed]
Provides: Independent Living
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
OUR COMMUNITY Image Spring Mill Meadows offers senior housing and health solutions with a multitude of premier services including: Garden Homes Moving Forward Rehabilitation Auguste's Cottage Memory Care Center Skilled Nursing Services Long Term Care Hospice Care for the terminally ill Respite...
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Photo of Wyndmoor of Castleton
1717 Photos available
7.0
Review score
73 reviews
7.0
Review score
73 reviews
5 star
52%
4 star
30%
3 star
7%
2 star
3%
1 star
8%
See all reviews
Everyone was very nice and welcoming. In the end the Medicaid waiver helped to make the decision. My impression is that there are plenty of people that are happy there as witnessed by the people in the...
Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
The Wyndmoor of Castleton (formerly Brookdale of Castleton - Managing Directors remain the same) is a licensed assisted living community in Indianapolis, Indiana. We are proud to be an award-winning community that showcases our commitment and dedication by providing our residents with outstanding...
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Photo of Miller's Senior Living-Castleton
1111 Photos available
5 star
66%
4 star
17%
3 star
0%
2 star
0%
1 star
17%
See all reviews
Chuck here, this place is phenomenal!!! Call me personally and I'll explain what you'll miss out on if you choose another place. My personal # is [removed].
Provides: Independent Living
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
It's your life......so live it to the fullest at Miller's Senior Living Community. Castleton's premier assisted living community offers a gracious lifestyle for America's Greatest Generation, our Seniors. Miller's encourages more comfort and enjoyment during those precious retirement years,...
Photo of Kenwood Place Apartments
Provides: Independent Living
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Photo of Spruce Manor Apartments
Provides: Independent Living
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Provides: Assisted Living, Independent Living, Nursing Homes
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Nursing Homes: Nursing homes provide short-and long-term care for seniors who have physical or mental health conditions that require 24-hour nursing and personal care.
Photo of The Orleans LLC
Provides: Independent Living, Senior Apartments
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Outstanding eastside apartment community. Two bedroom apartments for $435/month including heat and water (2 for the price of 1)! Secure and quiet. On busline and close to interstate. Across from Churches, Grocery, and Shopping. Our maintenance staff is efficient and caring for the Home renter’s...
Photo of Wyndham Hall At Wellington
5 star
100%
4 star
0%
3 star
0%
2 star
0%
1 star
0%
See all reviews
Provides: Independent Living, Senior Apartments
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Since 1997, Wyndham Hall has offered a unique affordable housing alternative especially for people 55 and older whose income range qualifies. Wyndham Hall apartment homes offer a sense of individuality uncommon in other adult communities. Apartment homes at Wyndham Hall include water, sewer and...
Provides: Assisted Living, Independent Living, Nursing Homes
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Nursing Homes: Nursing homes provide short-and long-term care for seniors who have physical or mental health conditions that require 24-hour nursing and personal care.
Photo of Summit Place West, Inc.
Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
At Summit Place West you will find all the comforts of home and then some. We feature studio apartments, one-bedroom suites, and one-bedroom deluxe, and two-bedroom suites. Each resident participates in a wellness program that includes a monthly health check by a licensed nurse. A resident...
Provides: Independent Living
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.

What families are saying about independent living in Indianapolis

Recent reviews for independent living in Indianapolis

Five Star Residences of Banta Pointe in Indianapolis, IN

4.0
I had an awesome tour of this community. It is a really nice facility with kind people. My tour guide was very helpful, and informative. He gave my good information on elder care. The community looked nice, but the apartment I was shown was to small for my mother. It was a lovely experience ...
Read more

The Oaks at Brownsburg

3.5
My relatives who live there are doing just fine. Our family all speaks quite highly of the place and really enjoy it there. Everybody seems friendly and happy. I like the apartments, and I feel like when my time comes, I could take a look there myself. I feel we're getting a pretty fair ...
Read more

Rosegate Commons in Indianapolis, IN

5.0
I assisted my friend with the process. He moved into a garden home independent apartment. He has his meals at Rosegate each day. At this point I would rate each category a 5. Rosegate has been an excellent experience for [name removed]. So far it has been very good. The apartment is a 1 ...
Read more

Costs of independent living in the Indianapolis area

The average cost of independent living at our partner communities in Indianapolis is $3,100 per month, according to A Place for Mom’s 2022 proprietary data. This amount incorporates any associated add-on fees like community entrance fees or deposits, pet rent, and monthly parking fees.

Most independent living communities have many different a la carte services for residents to pick and choose from. These typically cost extra per service as add-ons to your monthly rent. Some of these add-on services can include things like the following:

  • Transportation
  • Beautician services
  • Housekeeping
  • Dry cleaning and/or laundry services
  • Pet care

Most communities start their pricing at baseline costs, which don’t always account for additional services or community fees. The numbers below are the average starting costs of Indianapolis-area independent living communities. They give a good general comparison of greater Indy-area costs of living relative to the city center.

Average monthly cost of Independent Living in Indianapolis, IN vs. nearby cities

Indianapolis, IN
$3,164/mo
$3,133/mo

Average monthly cost of Independent Living in Indianapolis, IN vs. the state and national average

Indianapolis, IN
$3,164/mo
$3,168/mo
U.S. national average
$4,212/mo

Average monthly cost of Independent Living in Indianapolis vs. other types of senior living

$5,103/mo
Independent Living
$3,164/mo

Median monthly costs of Independent Living in Indianapolis, IN by room type

Semi-Private
$5,600/mo
Studio
$4,066/mo
1 Bedroom
$3,416/mo
2 Bedroom
$4,173/mo
Detached Cottage/Bungalow
$2,230/mo

Average cost of Independent Living in Indianapolis over time

Indianapolis, ININ stateNational

How people pay for independent living in Indianapolis

The services and living costs of an independent living community aren’t covered by Medicaid, Medicare, or long-term care insurance. As a result, many families and residents usually rely on private payment methods to cover the costs of independent living.

Medicare and Medicaid may chip in for in-home health care services if a person in an independent living community experiences a medical need for such services. Eligible veterans can also receive benefits that can be used to supplement the cost of an independent living community. We delve into different private and public payment methods that may be used to pay for the costs of an independent living community below.

Private pay methods in Indianapolis

Many families pay for independent living out of pocket with assets they have available from a savings account, investment returns, and sources of retirement income like pensions or Social Security benefits. You might also consider these other common private payment methods that seniors often put towards their independent living expenses:

Caregiver Resources
Reverse Mortgages and Long-Term Care: The Pros and Cons
By Merritt Whitley, senior living writer and editor
VA benefits for independent living in Indianapolis

Almost half of Indianapolis’ veteran population is made up of seniors age 65 and older.[02] Eligible veterans or their surviving spouses can receive benefits through the Department of Veterans Affairs (VA). Some of these benefits can be used to pay for life at an independent living community or any other expenses that improve a veteran’s quality of life.

The Aid and Attendance benefit is one type of VA benefit that provides a substantial amount of supplemental monthly income to qualifying veterans or their surviving spouses. There are many disabilities that may qualify veterans for VA benefits. This is why it’s best to reach out to a veterans benefit advisor to learn more about eligibility before applying. Reach out to your local, VA-vetted veterans services organizations (VSOs) to learn more about VA benefits that may be available to you or your loved one.

The VA benefits system and eligibility requirements can be daunting, and working with your local VSO is the best way to make sure you don’t miss out on benefits you may be eligible for. You’ll find the Indianapolis VA Regional Office has several VA-accredited VSOs located in their building that can provide benefits navigation and assistance. You can find those resources and more listed below.

36200

Number of veterans living in Indianapolis in 2021

Currently, about 48% of Indianapolis veterans are age 65+.

Resources for Indianapolis veterans

Indianapolis veteran resources

The American Legion
575 N. Pennsylvania St., Room 325
Indianapolis, IN 46204
Phone: 317-916-3605

AMVETS
⁠575 N. Pennsylvania St., Room 314
Indianapolis, IN 46204
⁠Phone: 317-916-3613

Disabled American Veterans (DAV)
575 N. Pennsylvania St., Room 324
Indianapolis, IN 46204
⁠Phone: 317-916-3615

The Military Order of the Purple Heart
⁠575 N. Pennsylvania St., Room 312
Indianapolis, IN 46204
⁠Phone: 317-916-3623

Paralyzed Veterans of America
⁠575 N. Pennsylvania St., Room 313
Indianapolis, IN 46204
Phone: 317-916-3626

Veterans of Foreign Wars (VFW)
⁠575 N. Pennsylvania St., Room 319
Indianapolis, IN 46204
Phone: 317-916-3629

VA Indianapolis Regional Office
575 N. Pennsylvania St.
Indianapolis, IN 46204
Phone: 317-916-3736

Indiana Medicaid for independent living

Indiana Medicaid won’t pay for room and board costs at an independent living facility, but some in-home health care services are covered if there’s an established medical need for them. These services are available through Indiana’s home and community based services (also known as HCBS) waiver programs.

HCBS programs benefit seniors who meet a nursing home level of care that don’t want placement in a nursing home. HCBS waivers are for individuals that would rather receive care services from their current place of residence or community. There is an Indiana Medicaid HCBS waiver specifically designed for aging or disabled individuals — called the Aged and Disabled waiver. Read on to learn more about this waiver.

Aged and Disabled (A&D)

The Aged and Disabled (A&D) waiver is among the different home and community based services (HCBS) programs available through Indiana Medicaid. To qualify for the A&D waiver, a person must meet the following eligibility requirements:[03]

  • Be aged, blind, or disabled
  • Require a nursing home level of care
  • Prefer to live in a private home or community setting instead of a nursing home
  • Not have income greater than 300% of the maximum Supplemental Security Income (SSI) standard

This particular HCBS program is designed to help seniors and disabled individuals receive care services from within their chosen setting, like their home or community. The specific care services available through this waiver program can include the following:[03]

  • Transportation
  • Medical supplies
  • In-home caregiver services
  • Homemaker services
  • Home-delivered meals
  • Health care coordination
  • Specialized medical equipment
  • Personal emergency response systems
  • Vehicle modifications

You can apply for Indiana Medicaid online or in person by visiting the nearest Division of Family Resources (DFR) office. Your local Area Agency on Aging (AAA) can help you with the process of applying for waiver services. Additionally, Indiana has certified health care navigators available in every county to assist with the Medicaid application process and answer any questions you may have.

Medicare independent living coverage in Indianapolis

Seniors age 65 and older are eligible to enroll in Medicare, the federal health insurance program. Medicare can’t be used to pay room and board costs at independent living communities, but it can pay for certain short-term medical care costs like an inpatient hospital stay.

Some in-home health care services may also be covered by Medicare Part A and/or Part B plans. These services are available for individuals who need part-time skilled care services and are homebound because of an illness or injury. Take a look at some home health care services you may qualify for through Medicare:[04]

  • Medically necessary skilled nursing care
  • Medical supplies and equipment for the home
  • Physical, occupational, and speech-language therapy
  • Intermittent home health aide (if also receiving skilled nursing care)
Medicare resources for seniors in Indianapolis

Seniors can access free Medicare counseling services through the State Health Insurance Program (SHIP). SHIP counselors are trained to provide wide-ranging supportive services that include help with applying for Medicare assistance programs, evaluating Medicare plans, and filing claims.

Your local Area Agency on Aging (AAA) can also be a tremendous resource to get help with Medicare, which is the CICOA Aging and In-Home Solutions in Marion County. You can visit the Indiana Area Agencies on Aging website to look up Indiana AAAs in other counties throughout the state.

Indianapolis Medicare resources

Local agencies

Indiana State Health Insurance Assistance Program (SHIP)
Find a SHIP location near you
Central office phone: 800-452-4800

CICOA — Marion County Area Agency on Aging
Online request referral form
4755 Kingsway Drive, Suite 200
Indianapolis, IN 46205-1560
Phone: 317-254-5465

Understand Indiana laws and regulations for independent living communities

In Indiana, independent senior living facilities are not legally considered care facilities, meaning they don’t provide medication administration and nursing care. Because they’re not care facilities and are more like apartment communities, they aren’t required to be licensed by the Indiana Department of Health (IDOH).

However, several of our partner independent living communities also offer assisted living or memory care on the same campus. Therefore, the areas of campus that provide assisted living or memory care need to be licensed and regulated by the IDOH. Assisted living and memory care areas may be subject to stricter regulations by the IDOH. To learn more about these kinds of regulations, visit our Indianapolis pages on assisted living and memory care facilities.

Independent living community general rental regulations

Stand-alone independent living communities or designated independent living areas don’t offer direct care services, like those at an assisted living facility, but they may partner with third-party agencies to offer some home care services on-site. So, aside from an age requirement, these communities generally follow state laws for landlords and tenants, similar to those in place for senior apartments.

Community landlords are accountable for keeping the facility in a safe, livable condition. Residents — or tenants — are primarily responsible for paying their rent on time and keeping the property in good condition by preventing any unnecessary damages. Leases may have different clauses depending on the property, so it’s always important to read it thoroughly to understand your rights and responsibilities while renting at any community.

We outline some of the general regulations you can expect to apply to independent living communities below. These regulations are in place to minimize housing discrimination and ensure living spaces are accessible to people with disabilities.

The Fair Housing Act and Americans with Disabilities Act (ADA)

To start, all independent living facilities have to comply with the federal Fair Housing Act. This law prevents landlords from denying a person to live in a community because of the following:

  • Disability
  • National origin
  • Family status
  • Race
  • Religion
  • Sex

The Americans with Disabilities Act (ADA) is another federal law that requires rental communities to make reasonable accommodations and modifications for people with disabilities. This can look like many things. For example, a community should make an exception to a pet policy and allow service animals if a resident requires one. Or a tenant with a wheelchair should be granted an assigned parking space close to an entrance.

Independent living communities are also required to let residents make their own reasonable modifications to units that help them live safer in their home. Here are some examples of reasonable modifications:

  • Lowering countertops
  • Removing carpet
  • Installing ramps

COVID-19 regulations for independent living communities in Indianapolis

Indiana doesn’t currently have any statewide COVID-19 restrictions or mandates in place for independent living communities. This doesn’t mean that communities won’t have their own policies that may be stricter than those set at the state and local levels.

It’s always best practice to reach out to a community directly about their specific policies. For updated information on Indiana’s COVID-19 public policies, please refer to Indiana’s COVID-19 website. We detail some of their general guidance practices below.

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Vaccinations. The Indiana Department of Health encourages everyone that can get a vaccine to get one when it’s available to them.

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Masking. Residents, staff, and visitors are encouraged to wear masks in public indoor settings.

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Facility cleanliness. Facilities should frequently clean and disinfect all high-touch surface areas.

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Quarantining. Anyone who tests positive for or was exposed to COVID-19 should follow isolation guidance set by the Centers for Disease Control and Prevention (CDC).

What to expect from independent living in Indianapolis

Indianapolis independent living communities come in several shapes and sizes. Some of these operate as stand-alone independent living communities, while others offer more extensive care types at the same facility. We take a look at what these different types of communities look like and what types of amenities you can expect at most independent living communities in Indianapolis.

Different care options

A few of our partner communities in Indianapolis are stand-alone independent living facilities. These stand-alone independent communities offer convenient services like housekeeping, meals, and transportation. They provide comfortable amenities and convenient services, but don’t provide the extent of care services available at an assisted living or memory care facility. Some of our in-network stand-alone independent living communities do have third-party access to health care services. Some communities even host visiting podiatrists and physical therapists.

Most of our in-network independent living communities in Indianapolis offer a continuum of care services from assisted living and memory care to skilled nursing care. Some of these communities are referred to as continuing care retirement communities (CCRCs). Seniors often choose to move into a CCRC for independent living at first, so they don’t have to transition into a different community if their care needs change. These communities typically have an age requirement of 55 or 62 and older and usually have an entrance fee, which can vary in cost depending on a facility’s location, amenities, and included services. These fees can be substantial, and some seniors use the proceeds from the sale of a home to pay.

Five-star amenities and services

Resort-style amenities and services await at many of our Indianapolis independent living communities. For starters, most of our partner communities provide meals and over half have a professional chef on-site to create culinary masterpieces, which can be tailored to meet specific dietary requirements.[01] Whether you prefer restaurant-style dining, anytime dining, or room service, you can expect to find quality dining selections at our partner communities. Most of our partner independent living communities also have a range of convenient services available that can usually be added to the baseline rental costs, which can include the following:

  • Housekeeping
  • Concierge services
  • Personal laundry and/or dry cleaning
  • Help with grocery shopping or errands
  • Complimentary transportation
  • Pet care services

Media centers, beauty salons, barbershops, libraries, and fitness centers are just a few of the on-site amenities you can expect to find at many of our partner Indianapolis independent living communities. Many communities take it even further with luxe amenities, such as the following:

  • Putting greens
  • Heated swimming pools and whirlpool spas
  • Billiards lounges
  • Movie theater rooms
  • Massage therapists
  • Woodworking shops
  • Courtyards and gardens
  • Private patios, decks, and balconies

Ample activities

You can expect nearly all of our partner independent living communities to have an on-site activity director who arranges and plans a range of social activities. Many independent living communities offer a range of programs and clubs for residents to participate in, like those listed below:

  • Card clubs
  • Cooking classes
  • Book clubs
  • Art classes
  • Gardening clubs
  • Stretching and yoga classes

Most Indianapolis independent living communities also have on-site devotional activities and several have Bible study groups for residents to join. Independent living communities present seemingly endless opportunities to socialize with other residents with activities like the following:

  • Wine tastings
  • Happy hours
  • Barbecues and picnics
  • Wii Bowling matches
  • Holiday parties

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Unfamiliar with Indianapolis? Highlights for seniors

113620

Number of seniors aged 65 and older living in Indianapolis

78%

Percentage of Indianapolis seniors aged 65 and older who are retired

Average household earnings for Indianapolis seniors age 65+

Health care for seniors in Indianapolis

Indianapolis hospitals rank among the best in the Midwest. These hospitals offer wide-ranging services from emergency care to innovative medical treatments. Explore Indianapolis’ top three hospitals below.

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Ascension St. Vincent Hospital Indianapolis

Ascension St. Vincent Indianapolis is a full-service hospital with national recognition for specialties like stroke care, cardiovascular services, and critical care. Ascension St. Vincent’s Indianapolis campus specializes in minimally invasive procedures, advanced imaging services, and transplants. The hospital is equipped to treat a range of injuries and conditions with round-the-clock emergency care and a Level-I trauma center.

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Kindred Hospital Indianapolis

Kindred Hospital Indianapolis is a long-term acute care hospital capable of treating patients with serious injuries or chronic conditions. The hospital offers round-the-clock clinical care services seven days per week. Kindred Hospital Indianapolis can provide specialized care for patients with complex medical needs, like organ transplant care, advanced wound care, and post-trauma care.

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Indiana University Health – IU Health Methodist Hospital

Indiana University Health Methodist Hospital is part of Indiana University Health and is considered one of the top hospitals in the state. As a designated magnet hospital, IU Health Methodist Hospital provides patients the opportunity to participate in clinical trials and treatments that aren’t available at other hospitals. IU Health Methodist offers a range of cutting-edge cancer therapies and surgeries, as well as advanced treatments for complex heart and lung conditions.

Transportation for seniors in Indianapolis

Almost 90% of our partner Indianapolis independent living communities have complimentary transportation services.[01] This is especially convenient for seniors who choose to sell their car upon moving into an independent community, though most of our partner communities have on-site parking available for residents as well. Many communities provide transportation to and from appointments, as well as errands and nonmedical destinations.

Additionally, for visiting friends and family, over half of our in-network independent living communities are located near public transit.[01] IndyGo is Indianapolis’ public transit service with a fleet of over 200 buses navigating throughout the metro. All IndyGo buses are ADA-compliant and seniors can travel for a reduced fare with a valid Medicare card or Half Fare ID card.

While a car or ride service is an ideal way to get around Indianapolis, some of the neighborhoods are quite walkable. You can get a general idea of how the full city of Indianapolis ranks for walkability, public transit, and bikeability below. Ratings are based on information from Walk Score and rated out of 100.[07]

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31

Walk Score

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25

Transit Score

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43

Bike Score

Senior activities in Indianapolis

With so many activities and amenities already available in independent living communities, why would you ever want to leave? Well, Indianapolis — known colloquially as Indy — has much for seniors to experience with fellow residents or visiting loved ones. Check out the Visit Indy website to learn about some local favorites, can’t-miss experiences, and attractions. We highlight some of the options for seniors and their families below.

Catch a sporting event

As the annual host of the legendary Indy 500 at Indianapolis Motor Speedway, Indianapolis is an exciting destination for motor enthusiasts. But that’s not all! Indy has multiple major sporting events to look forward to each year. The city has several professional sports teams, so it’s easy to catch an exciting game year-round, from Colts football and Pacers basketball to Indy Eleven soccer. Indianapolis also regularly hosts Big Ten championships for college basketball and football. You might even catch a Final Four game held there during March Madness!

Wander through the city’s lush parks

Indianapolis is anything but short on opportunities to enjoy some outdoor activities — from golf courses to running and biking trails. The White River State Park is regularly hailed as Indy’s urban escape, and it’s the site of several popular attractions like the Indianapolis Zoo and NCAA Hall of Champions. The park also hosts several marathons, performances at the TCU Amphitheater, and special food truck events.

Enjoy some Indy-licious dishes

While many may think Chicago and Kansas City dominate the Midwest food scene, Indianapolis is not one to be underestimated. Indianapolis has been called the most underrated U.S. food city by Condé Nast Traveler — making it to Food and Wine’s list of “America’s Next Great Food Cities.” Naturally, the city is rich in steakhouse staples. But you’ll also find diverse culinary selections that range from signature pizzas and German fare to Cajun and Creole dishes, among other local favorites.

Pay a visit to Indianapolis’ museums

It’s easy to get lost in Indianapolis’ cultural scene with an array of museums, monuments, and galleries scattered throughout the city. Whether you prefer to immerse yourself in history, art, or a live performance, Indy’s thriving arts and culture scene has something everyone can enjoy. Check out some of the following cultural hot spots:

Experience Indianapolis’ theaters

Indianapolis has a vibrant theater scene for seniors who love to get lost in performing arts. These venues offer a range of performances from magic shows and cabarets to Broadway productions. You can even enjoy dinner and a show at venues like Beef and Boards in downtown Indianapolis. Take a look at some of the other impressive performing arts venues located in Indianapolis below.

Senior centers and community programs

Senior centers and programs are a great way for older adults to get out in the community and stay active. Some local Indy senior community centers, like Heritage Place of Indianapolis, even host events like line dancing and bridge clubs exclusively for seniors aged 55 and older. There are also local volunteer programs for seniors who want to make an impact on their community, like the Senior Companion Program, which connects seniors to other older adults in the area who would benefit from companionship or light help around the home.

Frequently Asked Questions

Five Star Residences of Clearwater, Traditions at North Willow and Independence Village of Zionsville West are the top-rated Independent Living facilities near Indianapolis, IN. These Independent Living facilities received the highest rankings based on verified family reviews. See full list of communities.

The average cost of Independent Living in Indianapolis is $3,164 per month. This cost may vary based on location, amenities, floorplan, level of care and other factors.

References

  1. A Place for Mom. (2022). A Place for Mom proprietary data.

  2. United States Census Bureau. (2021). Veteran status (S2101): Indianapolis. [Data set]. American community survey.

  3. Indiana Medicaid. Aged and disabled waiver.

  4. Medicare. Home health services. Medicare.gov.

  5. Indiana Department of Health. (2022). Residential care facilities.

  6. United States Census Bureau. (2021). Population 65 years and over in the United States (S0103): Indianapolis. [Data set]. American community survey.

  7. Walk Score. (2022). Living in Indianapolis.

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The information contained on this page is for informational purposes only and is not intended to constitute medical, legal or financial advice or create a professional relationship between A Place for Mom and the reader. Always seek the advice of your health care provider, attorney or financial advisor with respect to any particular matter, and do not act or refrain from acting on the basis of anything you have read on this site. Links to third-party websites are only for the convenience of the reader; A Place for Mom does not endorse the contents of the third-party sites.
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1.

A Place for Mom. (2022). A Place for Mom proprietary data.

2.

United States Census Bureau. (2021). Veteran status (S2101): Indianapolis. [Data set]. American community survey.

3.

Indiana Medicaid. Aged and disabled waiver.

4.

Medicare. Home health services. Medicare.gov.

5.

Indiana Department of Health. (2022). Residential care facilities.

6.

United States Census Bureau. (2021). Population 65 years and over in the United States (S0103): Indianapolis. [Data set]. American community survey.

7.

Walk Score. (2022). Living in Indianapolis.