Hamilton County, Indiana · Nursing home
Carmel Health & Living Community
2 of 5 overall from CMS
118 Medical Dr, Carmel, IN 46032
At a glance
- Overall rating 2 of 5 Below the state average of 3.1
- Nurse time per resident, per day 3.64 hours Below the state average of 3.69
- Nursing staff who left in a year 69.8% Above the state average of 45.9%
- Health citations, last 3 inspection cycles 30 2 at the harm level or above
- Fines in 3 years $14,015 1 fine
- Certified beds in use 73.9% of 188 beds, on an average day
Arrows only show whether a figure is above or below the state average. They are not a judgment of the home.
Carmel Health & Living Community is a 188-bed nursing home in Carmel, Indiana (Hamilton County). CMS rates it 2 of 5 stars overall as of Sep 2026. It reports 3.64 nurse staffing hours per resident per day, below the Indiana average of 3.69. CMS lists 1 fine totaling $14,015 in the past three years.
- Certified beds
- 188
- Residents per day (average)
- 138.9
- Certified since
- 1978 (48 yrs)
Government - County Participates in Medicare and MedicaidPart of Cardon & Associates (19 homes)
Bed use is this site's calculation: average residents per day divided by certified beds. It is an average, so it does not show today's openings.
Terms used on this page
- CMS
- The Centers for Medicare & Medicaid Services, the federal agency that publishes the ratings, staffing figures, inspection results and penalties shown here.
- Certified beds
- The number of federally certified beds CMS lists for the home.
- Deficiency or citation
- A federal requirement that inspectors found the home did not meet. Each one gets a letter from A to L for how serious it was and how many residents were affected. What the letters mean
- Actual harm
- Letters G, H and I: actual harm to a resident that is not immediate jeopardy.
- Immediate jeopardy
- Letters J, K and L: the problem caused, or was likely to cause, serious injury, harm, impairment or death to a resident.
- Inspection cycle
- A standard inspection plus the complaint and infection-control citations CMS assigns to it. This page shows the three most recent cycles.
- Special Focus Facility (SFF)
- A home CMS has placed under closer oversight because of its inspection record. More about the program
Questions to ask Carmel Health & Living Community
Chosen from this home's public data.
- CMS lists 1 fine totaling $14,015 in the past three years. What changed after the most recent one?Penalties in CMS data
- CMS counts 9 health deficiencies in the latest inspection cycle (the standard inspection on Sep 25, 2025 plus complaint and infection-control inspections); the Indiana average is 7.2. Which have been corrected?Inspection results in CMS data
- Nursing staff turnover is 69.8%, above the Indiana average of 45.9%. How often would the same aides care for my relative?Turnover in CMS data
More in what to ask on a nursing home tour.
CMS star ratings
- Overall 2 of 5 Indiana average 3.1
- Health inspections 2 of 5 Indiana average 2.8
- Staffing 2 of 5 Indiana average 2.5
- Quality measures 3 of 5 Indiana average 4.1
The vertical line marks the Indiana average. Ratings run from 1 to 5. How to read CMS star ratings
Nurse staffing
Hours of care per resident per day, as the home reported to CMS.
What these roles do
Nurse aides give most hands-on daily care, such as help with bathing, dressing and meals. Licensed practical nurses give medications and routine nursing care. Registered nurses assess residents and direct their care.
- All nursing staff 3.64 h Indiana average 3.69
- Nurse aides 2.01 h Indiana average 2.24
- Licensed practical nurses 1.16 h Indiana average 0.78
- Registered nurses 0.47 h Indiana average 0.67
- All staff, weekends 3.15 h Indiana average 3.25
How much nurse staffing is enough? All bars share one scale, 0 to 10 hours. The vertical line marks the Indiana average; the national average for all nursing staff is 3.86 hours.
- Nursing staff turnover69.8%
- Indiana average45.9%
- Registered nurse turnover60.7%
- Indiana average40.3%
- Administrators who left0
Quality measures
CMS calculates these from residents' assessments and Medicare claims. They are shown as published, next to the Indiana and national averages. marks the measures CMS uses in its quality star rating; for those, the rating gives more points for a lower rate.
Long-stay residents
| Measure | This home | Indiana | U.S. |
|---|---|---|---|
| ★ Percentage of long-stay residents whose need for help with daily activities has increased | 14.0% | 11.0% | 13.9% |
| Percentage of long-stay residents who lose too much weight | 4.6% | 5.5% | 5.2% |
| ★ Percentage of long-stay residents with a catheter inserted and left in their bladder | 0.2% | 0.4% | 0.8% |
| ★ Percentage of long-stay residents with a urinary tract infection | 2.6% | 1.1% | 1.6% |
| Percentage of long-stay residents who have depressive symptoms | 4.0% | 25.2% | 12.8% |
| Percentage of long-stay residents who were physically restrained | 0.0% | 0.0% | 0.1% |
| ★ Percentage of long-stay residents experiencing one or more falls with major injury | 4.1% | 3.9% | 3.2% |
| Percentage of long-stay residents assessed and appropriately given the pneumococcal vaccine | 94.4% | 93.6% | 93.6% |
| ★ Percentage of long-stay residents whose ability to walk independently worsened | 11.3% | 11.9% | 14.1% |
| Percentage of long-stay residents who received an antianxiety or hypnotic medication | 22.3% | 23.5% | 19.5% |
| Percentage of long-stay residents assessed and appropriately given the seasonal influenza vaccine | 94.0% | 95.4% | 95.5% |
| ★ Percentage of long-stay residents with pressure ulcers | 6.1% | 3.6% | 4.6% |
| Percentage of long-stay residents with new or worsened bowel or bladder incontinence | 27.2% | 23.3% | 19.0% |
| ★ Percentage of long-stay residents who received an antipsychotic medication | 16.1% | 13.6% | 15.4% |
| ★ Number of hospitalizations per 1000 long-stay resident days | 2.50 | 1.61 | 1.90 |
| ★ Number of outpatient emergency department visits per 1000 long-stay resident days | 1.16 | 1.44 | 1.78 |
Short-stay residents
| Measure | This home | Indiana | U.S. |
|---|---|---|---|
| Percentage of short-stay residents assessed and appropriately given the pneumococcal vaccine | 85.6% | 81.8% | 82.0% |
| ★ Percentage of short-stay residents who newly received an antipsychotic medication | 0.8% | 1.2% | 1.6% |
| Percentage of short-stay residents who were assessed and appropriately given the seasonal influenza vaccine | 82.2% | 79.0% | 79.8% |
| ★ Percentage of short-stay residents who were rehospitalized after a nursing home admission | 29.0% | 22.2% | 23.8% |
| ★ Percentage of short-stay residents who had an outpatient emergency department visit | 10.6% | 10.8% | 12.0% |
Measure periods: April 2025 to March 2026 for most measures; July 2024 to June 2025 for the flu vaccine measures; January to December 2025 for the hospital and emergency department measures, which CMS risk-adjusts. See the measures on Medicare.gov
Inspection history
Inspectors cited 30 health deficiencies in the three most recent inspection cycles. Of these, 2 involved actual harm; the rest were graded as no actual harm. 6 were cited in connection with a complaint investigation. The most recent citation at the harm level or above was on Nov 13, 2025: Ensure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.
| Standard inspection | Health | Fire safety |
|---|---|---|
| Sep 25, 2025 | 9 | 8 |
| Nov 4, 2024 | 12 | 4 |
| Oct 27, 2023 | 9 | 5 |
Indiana homes averaged 7.2 health deficiencies in the latest cycle; the national average is 9.2. Each cycle's health count covers the standard inspection on that date plus the complaint and infection-control citations CMS assigns to that cycle.
Health citations, three most recent inspection cycles (30)
-
GActual harm, isolated
Ensure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.
Complaint investigation · Quality of Life and Care · Deficient, Provider has date of correction (Dec 5, 2025)
-
GActual harm, isolated
Ensure that residents are free from significant medication errors.
Pharmacy Service · Deficient, Provider has date of correction (Oct 24, 2025)
-
EPotential for more than minimal harm, pattern
Provide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist.
Pharmacy Service · Deficient, Provider has date of correction (Oct 24, 2025)
-
EPotential for more than minimal harm, pattern
Ensure 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.
Pharmacy Service · Deficient, Provider has date of correction (Oct 24, 2025)
-
DPotential for more than minimal harm, isolated
Allow residents to self-administer drugs if determined clinically appropriate.
Resident Rights · Deficient, Provider has date of correction (Oct 24, 2025)
Show 25 more
-
DPotential for more than minimal harm, isolated
Provide appropriate treatment and care according to orders, resident’s preferences and goals.
Quality of Life and Care · Deficient, Provider has date of correction (Oct 24, 2025)
-
DPotential for more than minimal harm, isolated
Provide safe and appropriate respiratory care for a resident when needed.
Quality of Life and Care · Deficient, Provider has date of correction (Oct 24, 2025)
-
DPotential for more than minimal harm, isolated
Provide safe, appropriate dialysis care/services for a resident who requires such services.
Quality of Life and Care · Deficient, Provider has date of correction (Oct 24, 2025)
-
DPotential for more than minimal harm, isolated
Ensure each resident’s drug regimen must be free from unnecessary drugs.
Pharmacy Service · Deficient, Provider has date of correction (Oct 24, 2025)
-
DPotential for more than minimal harm, isolated
Provide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist.
Complaint investigation · Pharmacy Service · Deficient, Provider has date of correction (Jan 24, 2025)
-
EPotential for more than minimal harm, pattern
Provide appropriate treatment and care according to orders, resident’s preferences and goals.
Complaint investigation · Quality of Life and Care · Deficient, Provider has date of correction (Nov 22, 2024)
-
DPotential for more than minimal harm, isolated
Ensure residents have reasonable access to and privacy in their use of communication methods.
Resident Rights · Deficient, Provider has date of correction (Nov 22, 2024)
-
DPotential for more than minimal harm, isolated
Coordinate assessments with the pre-admission screening and resident review program; and referring for services as needed.
Resident Assessment and Care Planning · Deficient, Provider has date of correction (Nov 22, 2024)
-
DPotential for more than minimal harm, isolated
Develop and implement a complete care plan that meets all the resident's needs, with timetables and actions that can be measured.
Resident Assessment and Care Planning · Deficient, Provider has date of correction (Nov 22, 2024)
-
DPotential for more than minimal harm, isolated
Ensure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.
Quality of Life and Care · Deficient, Provider has date of correction (Nov 22, 2024)
-
DPotential for more than minimal harm, isolated
Provide safe and appropriate respiratory care for a resident when needed.
Quality of Life and Care · Deficient, Provider has date of correction (Nov 22, 2024)
-
DPotential for more than minimal harm, isolated
Provide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist.
Pharmacy Service · Deficient, Provider has date of correction (Nov 22, 2024)
-
DPotential for more than minimal harm, isolated
Ensure 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.
Pharmacy Service · Deficient, Provider has date of correction (Nov 22, 2024)
-
DPotential for more than minimal harm, isolated
Provide or obtain dental services for each resident.
Quality of Life and Care · Deficient, Provider has date of correction (Nov 22, 2024)
-
DPotential for more than minimal harm, isolated
Ensure food and drink is palatable, attractive, and at a safe and appetizing temperature.
Complaint investigation · Nutrition and Dietary · Deficient, Provider has date of correction (Nov 22, 2024)
-
DPotential for more than minimal harm, isolated
Make sure that the nursing home area is safe, easy to use, clean and comfortable for residents, staff and the public.
Environmental · Deficient, Provider has date of correction (Nov 22, 2024)
-
DPotential for more than minimal harm, isolated
Allow residents to self-administer drugs if determined clinically appropriate.
Complaint investigation · Resident Rights · Deficient, Provider has date of correction (Mar 15, 2024)
-
DPotential for more than minimal harm, isolated
Provide and implement an infection prevention and control program.
Complaint investigation · Infection Control · Deficient, Provider has date of correction (Mar 15, 2024)
-
DPotential for more than minimal harm, isolated
Honor 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.
Resident Rights · Deficient, Provider has date of correction (Nov 10, 2023)
-
DPotential for more than minimal harm, isolated
Keep residents' personal and medical records private and confidential.
Resident Rights · Deficient, Provider has date of correction (Nov 10, 2023)
-
DPotential for more than minimal harm, isolated
Honor 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.
Resident Rights · Deficient, Provider has date of correction (Nov 10, 2023)
-
DPotential for more than minimal harm, isolated
Provide appropriate treatment and care according to orders, resident’s preferences and goals.
Quality of Life and Care · Deficient, Provider has date of correction (Nov 10, 2023)
-
DPotential for more than minimal harm, isolated
Provide enough food/fluids to maintain a resident's health.
Quality of Life and Care · Deficient, Provider has date of correction (Nov 10, 2023)
-
DPotential for more than minimal harm, isolated
Provide for the safe, appropriate administration of IV fluids for a resident when needed.
Quality of Life and Care · Deficient, Provider has date of correction (Nov 10, 2023)
-
DPotential for more than minimal harm, isolated
Provide safe, appropriate pain management for a resident who requires such services.
Quality of Life and Care · Deficient, Provider has date of correction (Nov 10, 2023)
What severity letters A to L mean
Each sentence above is the requirement that was not met, in CMS's wording. For the inspection results as Medicare publishes them, open this home's page on Medicare.gov and look under "Health inspections".
Penalties, past three years
| Date | Type | Amount |
|---|---|---|
| Nov 13, 2025 | Fine | $14,015 |
Indiana homes averaged 0.3 fines and $8,742 in fine amounts; the national averages are 0.9 and $30,972.
Cost
Not in the public data. CMS does not publish what a nursing home charges.
Ask the home for its daily private-pay rate and whether a bed is open for your coverage. See what Medicare covers and how Medicaid pays for a nursing home.
Compared within Indiana
- Size10 of 507 by certified beds
- Indiana average residents per day72.5
- ChainCardon & Associates
- Chain average overall rating3.7 of 5
- Resident or family councilResident
- Homes in Carmel8
- Homes in Hamilton County17
Common questions
What is the CMS star rating for Carmel Health & Living Community?
Carmel Health & Living Community has an overall rating of 2 of 5 stars from CMS as of Sep 2026. Its health inspection rating is 2, staffing is 2 and quality measures is 3.
How many beds does Carmel Health & Living Community have?
Carmel Health & Living Community has 188 certified beds. It averages 138.9 residents per day, about 73.9% of its certified beds.
How much nursing care do residents get at Carmel Health & Living Community?
The home reports 3.64 hours of nurse staffing per resident per day, including 0.47 hours from registered nurses. The Indiana average is 3.69 hours and 0.67 hours from registered nurses.
Has Carmel Health & Living Community been fined?
Yes. CMS lists 1 fine totaling $14,015 in the past three years.
Does Carmel Health & Living Community accept Medicare or Medicaid?
CMS lists its participation as "Medicare and Medicaid". Ask the home whether a bed is open for your coverage.
Guides for families looking at this home
- Understanding the recordWhat to ask on a nursing home tourQuestions that turn a home's public record into a useful conversation when you tour, plus what to look for yourself.
- Understanding the recordInspection severity letters A to LHow inspectors grade each deficiency by harm and by how many residents were affected.
- Understanding the recordHow to read CMS star ratingsWhat the overall, health inspection, staffing and quality measure ratings cover, and what they leave out.
Nearest nursing homes
- 5 of 5 Barrington of Carmel, the 8beds 78.8%in use 9.69nurse hours a day
- 4 of 5 Restoracy of Carmel 72beds 95.4%in use 5.57nurse hours a day
- 3 of 5 Wellbrooke of Carmel 74beds 72.2%in use 3.55nurse hours a day
Sorted by straight-line distance. This is not a ranking or a recommendation. Compare all homes in Hamilton County
Who to call in Indiana
These offices serve residents of every nursing home in Indiana.
- Long-term care ombudsman Indiana Long-Term Care Ombudsman Program 1-800-622-4484 (Also 317-232-7134. Email: LongTermCareOmbudsman@ombudsman.IN.gov) An advocate for residents and their families.
- File a complaint about a nursing home Indiana Department of Health complaint intake (health care facility complaints) 1-800-246-8909 (Voicemail line for people without internet or email access; IDOH says the online complaint form is the best way to file.) The state agency that inspects nursing homes.
Indiana staffing, bed-hold and Medicaid rules · Residents' rights in every state
Source: CMS Provider Data Catalog, nursing home datasets processed Sep 1, 2026. CMS Certification Number 155181. See this home's official record on Medicare.gov
See something shown incorrectly? Tell us. This site shows each record as CMS publishes it and cannot change the underlying record.