Independent living
Covenant Harbor
Independent living in Oak Harbor, Ohio
| Provider details | |
|---|---|
| Address | 234 Finke Rd, Oak Harbor, OH 43449 |
| City | Oak Harbor |
| State | Ohio |
| Phone | 419-898-6460 |
| Website | https://genacrosslutheranservices.org/covenant-harbor/ |
| Age requirement | 62 and older |
| Age rule basis | Section 202 is HUD's housing program for elderly households; eligibility requires the head of household to be age 62 or older. |
| Apartments | 14 |
| Housing program | HUD Section 202 PRAC |
| Income restricted | Yes |
Covenant Harbor I & II is an affordable senior apartment community in Oak Harbor for people age 62 and older, set across the street from Veterans Memorial Park. Its 38 one-bedroom apartments are all on ground level with a patio, and the community offers a community room and kitchen, laundry, mailboxes, parking, and pleasant grounds, with small pets welcome. Residents can join activities such as card parties, bingo, Bible studies, lunch outings, and monthly birthday parties, and an on-site service coordinator can help arrange meals, home health care, and housekeeping. The Genacross Lutheran Services page lists the address as 240 Finke Road, Oak Harbor, OH 43449 and the phone as 419.898.6460.
More about this provider
| Genacross Lutheran Services page for Covenant Harbor I & II in Oak Harbor: a subsidized senior independent living community across from Veterans Memorial Park, with 38 apartments total (one-bedroom, about 540 sq. ft., ground level with patio), community room and kitchen, central hallway to lobby, social areas, laundry and mailboxes, parking, cable TV for an additional fee, non-smoking campus, and small pets welcome. Covenant Harbor II was added in 2010, adding 24 apartments. | |
| Services and programs | Interior maintenance of electrical, heating, air conditioning and plumbing and exterior maintenance such as lawn care and snow and trash removal provided at no extra cost. Social opportunities include card parties, bingo, Bible studies, lunch outings and monthly birthday parties per the monthly activity calendar. Transportation is available through local senior transportation services. An on-site service coordinator helps residents arrange services such as meals, home health care and housekeeping to help them maintain an independent lifestyle. |
| Who it serves | Individuals age 62 years or older. Eligibility is designed for very low-income individuals, defined by HUD as not exceeding 50 percent of the median family income for the county or metropolitan area, with income verification and annual recertification. Seniors of all faiths are welcome; the community has a spiritual foundation from an ecumenical effort that included St. John Lutheran Church, Oak Harbor United Methodist Church and the village of Oak Harbor. |
| Payment types it states | Subsidized housing: residents pay 30 percent of adjusted gross annual income, all utilities except telephone and cable TV are included in the rent, and a security deposit equal to one month's rent is required before moving in. |
| Visiting and contact details | Official page states 240 Finke Road, Oak Harbor, OH 43449, phone 419.898.6460, fax 419.898.3056, with Service Coordinator Celest Clough at 419.898.1469. |
| Website | https://genacrosslutheranservices.org/covenant-harbor/ |
Who pays for independent living?
What this care costs, and who pays — Medicare, Medicaid, or the family — is covered in these guides:
- How to Pay for Independent Living: Rent, Income, and Rental Help
- What Senior Apartments Cost: Rent, Fees, and What the Monthly Payment Covers
Independent living guide · Paying for care
Common questions about Covenant Harbor
Where is Covenant Harbor located?
Covenant Harbor is at 234 Finke Rd, Oak Harbor, OH 43449.
How do I contact Covenant Harbor?
Call Covenant Harbor at 419-898-6460.
How much does independent living cost?
There is no single price for independent living. Rent is set by each community and varies a lot by city. The cost survey this site uses does not publish a national median for independent living, so we do not print one. Medicare does not pay for it, so families pay the rent out of pocket. See our guide to independent living costs and who pays for the full picture.
Does Medicare pay for independent living?
No. Medicare does not pay rent or housing costs. It pays for your medical care while you live there, like doctor visits, hospital care, and home health visits. The housing itself is paid out of pocket.
What is the difference between independent living and assisted living?
Independent living is housing for older adults who can live on their own. It gives a private home, meals in some places, and social activities. It does not include help with daily tasks. Assisted living adds that help. Staff help with bathing, dressing, and medicine, and staff are on hand day and night.
Who else pays for independent living besides Medicare?
Families pay the rent out of pocket. No insurance pays for independent living rent. Low-income senior apartments funded by HUD keep rent lower for people who qualify. Some veterans put VA pension payments toward the rent.