Independent Living: cost, services & how to choose

Active seniors (typically 70+) who can manage daily life on their own but want to ditch home upkeep and gain a built-in social community.

• Housing and utilities in a community designed for older adults
• Restaurant-style dining and prepared meals
• Housekeeping, laundry, and maintenance
• Social activities, outings, and wellness programs
• Transportation to appointments and errands

Most independent livingis paid for privately (savings, home sale proceeds, long-term care insurance). Veterans may qualify for the VA Aid & Attendance benefit. Skilled nursing is often covered by Medicare (short-term) or Medicaid (long-term, for those who qualify). The free care assessment and the free Haven Brief help you organize your questions and compare options.

1. Start with the level of care — use our free assessment to prepare for a conversation with a care professional.
2. For skilled nursing, check CMS ratings, staffing, and inspection history. Assisted living has no CMS stars — use the state license.
3. Tour in person and ask about staff turnover, all-in pricing, and care plans.
4. Compare total monthly cost — not just the base rate — including care fees.
5. Read the contract, then decide. Haven does not run an advisor call center.

• Signs it may be time for more support →
• How families actually pay for senior care →
• Questions to ask on a tour →
• Choosing between levels of care →