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... by State - Ohio

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State Guru

 On this state page you will find resources, senior housing, and senior lifestyle opportunities. Such items address Seniors' needs from Active Communities to Assisted Living along with Insurance, Medical and Financial Planning information.
We attempt to keep the state unique information current. To accomplish this we encourage individuals to become a state "guru".

If you are aware of any changes that need to be made or might want to become a guru with its related rewards, please let us know via the email or address at the bottom of this page.

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Bookmark before clicking on any of our many links so you can come back to find more information!

After Mom Moves

After Mom Moves

After Mom Moves

Are you trying to manage the resources from afar?

  You may benefit from Seniors Real Estate Coordination
- Property preparation for sale - Estate clean out - No hassle transitions
- Communication with family & professional advisors - Home sale and closing
To contact a Seniors Real Estate Professional click HERE
NO extra fees or obligation

Agencies on Aging

Agencies on Aging

Ohio Department of Aging - Featured Services

Healthy Lifestyle Programs - Healthy lifestyle programs can help you take control of your life and manage your health conditions. These "evidence-based" programs are proven, community initiatives that provide health benefits and promote disease prevention.
Ohio Long-term Care Ombudsman Programs - Ohio’s Office of the State Long-term Care Ombudsman advocates for people receiving home care, assisted living and nursing home care. Paid and volunteer staff work to resolve complaints about services, help people select a provider and offer information about benefits and consumer rights.
Ohio - Golden Buckeye Card Program - More than two million Ohio residents are eligible for the Golden Buckeye card, which is honored at 20,000 businesses statewide and has save cardholders an estimated $2 billion since 1976. All Ohioans age 60 or older, as well as adults age 18-59 who have disabilities as defined by Social Security, are eligible for a free Golden Buckeye Card.
Ohio Senior Community Service Employment Program - This paid work experience program for low-income adults age 55 and older offers training in positions such as receptionists, typists, secretarial assistants, nutrition aides, security guards, maintenance workers, teachers' aides and more.

Ohio Department of Aging
50 West Broad Street, 9th Floor
Columbus, OH 43215-3363

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Alzheimer's Communities Regulations

Alzheimer's Unit requirements are not separately specified
Department of Health,
Special Projects Section

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Assisted Living Communities

  • Cincinnati

Atria Northgate Park

9191 Roundtop Road
Cincinnati, OH 45251

Come home to Atria Northgate Park, a uniquely designed one-story community located in a quiet residential neighborhood with retail shopping, a supermarket, restaurants, drug stores, movie theaters and Northgate Mall which is just two short blocks away. Enjoy the independence we provide, along with the support services needed.

Assisted Living Communities

Assisted Living Communities

Assisted Living Communities Your retirement planning should be based on understanding the options associated with Assisted living. As part of a retirement plan these options combine housing, support services and health care, as needed. Assisted living is a retirement service for individuals who require assistance with everyday activities such as meals, medication management or assistance, bathing, dressing and transportation. Some residents may have memory disorders including Alzheimer's, or they may need help with mobility, incontinence or other challenges of senior life. Residents are assessed to determine the level of service they may need. These retirement services generally include: 24/7 supervision, 3 meals a day, housekeeping, transportation, minor medical attention, personal care assistance, security and emergency call, exercise programs, social and educational activities. In addition some Assisted living communities may provide: gardens, libraries, and chapels.

Assisted living communities are operated by both profit and non-profit organizations. Pricing can range from $1000 to over $4,000 per month based on your location. There may be extra fees for special services.

Learn more about Assisted Living Communities here.

Assisted  Living Communities

Assisted Living Communities

                Living Communities

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Assisted Living Regulations

Assisted Living Regulatory Information
Department of Health, Special Projects Section

Residential Care Facilities. Residential Care Facilities provide accommodations for 17 or more unrelated individuals, supervision and personal care services for three or more of those individuals who are dependent on the services of others. Residential Care Facilities provide supervision, personal care services, administer medication, supervise special diets, and perform dressing changes. Facilities may also provide up to 120 days of nursing services on a part-time, intermittent basis.

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Adult Day Care

Adult Day Care

Adult Day Care Adult Day Care programs provide an assortment of health, therapeutic, and social services to those at risk of being placed in a nursing environment. Adult Day Care services support elderly individuals who lack full independence but who do not need 24-hour nursing care. Services may include therapeutic and social activities designed to meet and enhance the participant's level of functioning through individual plans of care. Such Adult Day Care services generally provide support, respite and education for caregivers.

A typical Adult Day Care center operates 10 - 12 hours per day and provides meals, social/recreational outings, and general supervision. Some Adult Day Care centers maintain a nurse on-site and may also provide transportation and personal care.

With the added support through participation in Adult Day Care, admission to rest homes or nursing homes may be delayed. Hence, participants may be able to remain at home with family members for a longer period of time. In addition the social stimulation and recreational activities often mitigate the decline of cognitive/physical functions.

Adult Day Care support also aids caregivers by providing respite services thus enabling caregivers to work or to have a break from their caregiving responsibilities.

Costs for services are usually less than a home health visit and significantly less than a skilled nursing facility. Daily fees for adult day services vary depending upon the services provided.

Learn more about Adult Day Care here.

Adult Day Care

Adult Day Care

Adult Day Care
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Award Winning HMOs

Find out if any HMOs in your area rank in the top 50. HealthMatrix Research Inc. ranks HMOs, provides price comparisons, tips to ask when shopping for an HMO and answers to Frequently Asked Questions.

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Directories - Senior Housing Options

Assisted Living

Housing Directory

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Drug Savings Programs and Medical Aids

Find Low Drug Prices

Save money! Compare prescription drug prices for 1,000+ medications. You'll also see online pharmacy ratings and shipping fees so you can compare total costs.

Find Low Drug Prices from Verified Pharmacies
compare drug prices

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Incontinence Aid

An adult diaper (adult nappy) is an incontinence aid for those larger than an infant or toddler. Such adult diaper (adult nappy) may be necessary for adults with various conditions, such as incontinence, mobility impairment, severe diarrhea or dementia. Adult diapers (adult nappy)are made in various forms, including those resembling traditional child diapers, underpants, and pads resembling sanitary napkins (known as incontinence pads).

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Health Insurance

Health Insurance Counseling and Advocacy Program (HICAP)

Need help with the Medicare Maze?
Every state has a Health Insurance Counseling and Advocacy Program
to help understand Medicare coverage, payments and Medigap Insurance options.
Note: Toll free numbers often work only from within the state.
From out of state? Use the other number, when provided.
For more counseling information visit

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Insurance: Automobile

All Web Leads

Auto Insurance

cost effective auto insurance


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Insurance: Life

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Insurance, Long Term Care

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, and other physical activities. Long-term care insurance can help pay for such care in the future. To help protect your financial independence, as you grow older, many Long Term Care Insurance providers have plans that offer comprehensive benefits as well as a proven track record of claims payments and financial stability. You should review all your options carefully.


Medicaid does not give you choices! Learn How to Protect your Loved Ones with Long Term Care Insurance

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Annuities Why look into annuities? If you're a Baby Boomer with little or no pension and most of your money in low-interest savings accounts, an annuity may be the key to a secure and comfortable retirement. How can you find out whether an annuity is right for you? Read .
Annuities For Dummies is a plain-English guide is packed with the latest information on choosing the best annuity for your retirement needs. You'll find out exactly what annuities are, whether they're the right financial vehicle for you, and which of the many annuity options might have your name on it. You'll learn the ins and outs of using annuities to fund your retirement years, figure out whether to stress investments with insurance or insurance with investments, and find out how the right combination of annuities can help you squeeze more income out of your savings that any other financial tool. Discover how to:

  • Identify the main types of annuities
  • Weigh the pros and cons of annuities for yourself
  • Minimize the complexity of your annuity investment
  • Figure out how much money to commit
  • Avoid common annuity pitfalls
  • Create an income you can't outlive


401K Seventy-eight per cent of eligible American employees participate in their company's 401(k) plan, comprising over 40 million workers. The Enron collapse, coupled with new uncertainty in the investing and accounting industries, however, has even longtime 401(k) investors rethinking their approach. This guide explains the basics of 401(k) investing in plain English, showing readers how to manage their accounts, minimize their investment risk and maximize their returns. It discusses the pros and cons of including company stock and helps readers decide whether taking out a loan against their 401(k) is a wise idea. The text explains the difference between a defined contribution and a defined benefit plan, including the pros and cons of each, has sample 401(k) portfolios for various stages of life and contains a retirement calculator formula to know how much you need to save. Read 401k For Dummies i

Skilled Nursing Facilities

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Skilled Nursing Facilities

The type of care that may be administered ONLY BY A NURSING HOME near you, is defined by state regulations. Generally "medical procedures" and assistive acts requiring a nurse to physically "handle" a patient are limited to nursing home providers, when not in a hospital. Changing bandages deep wounds is often only permitted in Nursing Homes as is turning a patient in bed, who cannot turn themselves.    


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Moving and Storage Services

Make sure you have the information you need to protect your memories, money, and belongings from moving problems.

The best defense against moving difficulties is to be informed and aware of your options when choosing a reputable mover. While most household moves go smoothly, there are many pitfalls that you should be aware of. It can also be stressful, even under the best of circumstances. Use the checklist here to help guide you through the moving venture.

A key step is to read and understand all information provided by the mover. These should include the following basic documents as part of your move:

The estimate should clearly describe, in writing, all charges for services the mover will perform. Make sure the estimate is signed by the mover.
Do not accept oral estimates.
Bill of Lading
The bill of lading is a contract between you and the mover and a receipt of your belongings. You should be given a partially completed copy of the bill of lading before the mover leaves the residence at origin.
Order for Service
The order for service is a list of all the services the mover will perform and shows the dates your household goods will be picked up and delivered
The inventory is the receipt showing each item you shipped and its condition. Be sure you receive a written copy of the inventory after your household goods are loaded, and that you agree with its description of your household goods' condition
Moving Quote

Get state regulator help:

PUC Motor Carrier Division614-466-3191

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Real Estate Agents: Buy or Sell

Interested in Buying or Selling
a Home or Condo?

Whenever possible your inquiry goes to a Specialist trained to work with seniors from over 800 such specialists in our International referral network.

Having a Professional Specialist contact you, is just a click away! Fill out the inquiry form and we do the rest.

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Respite Care and Snow Bird Vacations

Northgate Park

9191 Roundtop Road
Cincinnati, Ohio 45251
License #5291

The Northgate Park OasisSM Program for Seniors is a Short-Term
Residence Stay alternative for yourself, a loved one, or a patient.
The OasisSM Program for Seniors offers temporary stay opportunities for the following scenarios:

  • Respite opportunities for caregivers

  • Socialization and companionship for seniors

  • Recuperation after illness options

  • A chance to explore alternatives for the future.

  • Stays can be from 1 to 30 days and seniors can expect to savor a hotel-like environment, the company of fellow residents, freshly prepared meals, social activities, and shopping day trips.
    Inquire now!

    Mallard Cove

    1410 Mallard Cove Drive
    Sharonville, Ohio 45246
    License #4977

    The Mallard Cove OasisSM Program for Seniors is a Short-Term
    Residence Stay alternative for yourself, a loved one, or a patient.
    The OasisSM Program for Seniors offers temporary stay opportunities for the following scenarios:

  • Respite opportunities for caregivers

  • Socialization and companionship for seniors

  • Recuperation after illness options

  • A chance to explore alternatives for the future.

  • Stays can be from 1 to 30 days and seniors can expect to savor a hotel-like environment, the company of fellow residents, freshly prepared meals, social activities, and shopping day trips.
    Inquire now!

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    Aging in Place

    Aging In Place

    Aging in Place "Aging in place" is growing older without having to move. Aging in place with supportive services is one of the most desirable ways of aging. Aging in place can achieve efficiencies enabled by the customized care. Successful aging in place approaches focus on the provision of the most appropriate care for the specific individual. Thus avoiding wasted costs brought on by a "generic" care model.

    An aging in place scenario, creates housing and health care options to provide support as defined by an individualís wishes and efforts to live independently. Aging in place can work best when it is employed as a part of a comprehensive plan for retirement and aging. A key step in implementing aging in place is to make your home aging friendly. As we age we don't hear so well, we sometimes forget or get confused and we can even outlive doctor's predictions about our longevity. So as long as we persist in growing older, why not arrange our homes to accommodate our reality. Incorporate memory triggers into the way we arrange cabinets and counters, add soft fabrics to muffle background noises, change appliances to better accommodate our short-comings.

    Here is a book to help you make your homes senior-friendly.

    Universal Design: A Step-by-Step Guide to Modifying Your Home for Comfortable, Accessible Living
    The book, Universal Design: A Step-by-Step Guide to Modifying Your Home for Comfortable, Accessible Living by Barbara Krueger and Nika Stewart is a good place to start.With the book as a guide you can plan ahead for years before you critically need the advantages offered by the ideas in the book.

    Also visit: the Universal Design Living Laboratory:A National Demonstration Home at by Rosemarie Rossetti, PhD

    If you want to learn more visit our Aging in place section .

    Once you have an idea of the changes needed in the home, it is time to discuss the changes with a contractor/builder in your area. Below is a list of of such providers in your area.

    Aging in Place Contractors

    Aging in Place

    Aging In Place Contractors

    Aging In Place

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    State Department of Insurance

    Insurance regulations differ from state to state.
    Need help with an insurance company provider?
    Want to know who writes Medigap insurance in your state?
    Contact: Insurance Department
    Consumer Servicves Division
    2100 Stella Court
    Columbus, OH 43215-1067

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    • Personal Income Tax
      Tax Rate Range: 0.743% to 7.5%.
      Nine income brackets: Lowest is $5,000, highest is $200,000
      Personal Exemptions: $ 1,200 for singles and $2,400 for marrieds.
      There is a per exemption tax credit of $20.
      Standard Deduction: 0.
      Medical/Dental Deduction 0.
      Federal Income Tax Deduction: 0.
      Public Pension Exclusion: $200 maximum credit, based upon income.
      Private Pension Exclusion: $200 maximum credit, based upon income.
      Social Security Exemption: Full.
    • Sales Tax: 5% (Food and prescription drugs exempt.)
      Local jurisdictions levy additional sales taxes. For further information Ohio Department of Taxation.

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