Assisted Living Facilities in Maine
Locate 710 assisted living options
Welcome to Maine, a hidden gem in the northeastern United States. While often overshadowed by its neighboring states, Maine offers a high quality of life, excellent healthcare, and affordable senior living options. With its unique location, tranquility, and captivating natural beauty, Maine stands out as an ideal destination for assisted living.
Maine's distinct location in the northeastern corner of the country sets it apart from other states. Despite its relative obscurity, Maine provides a superb quality of life and affordable senior living, making it an appealing choice for those seeking a peaceful and comfortable environment.
One of the key factors that separates Maine from other states is its affordability for senior living. Compared to its counterparts, Maine offers a budget-friendly option without compromising on care quality. This affordability makes assisted living in Maine an attractive choice for individuals looking for a comfortable and accessible place to spend their golden years.
Maine's tranquility and lack of overcrowding further enhance its appeal. With a population of just over one million, Maine provides a peaceful and serene living environment. Traffic is less of a concern, allowing residents to enjoy a more relaxed pace of life.
Moreover, Maine's captivating four seasons, especially the beautiful fall foliage and its 3,500 miles of Atlantic shoreline, add to its charm. From golden yellow to red and purple hues, the foliage transforms Maine into a picturesque landscape. The state's coastal views are equally impressive, offering residents access to some of the most stunning shorelines in the country.
In this article, we will explore the exceptional assisted living options in Maine, highlighting its affordability, tranquility, and captivating natural beauty. Join us as we discover how seniors can embrace a fulfilling and joyful chapter of their lives in the welcoming and picturesque state of Maine.
Maine Monthly Costs of Assisted Living
When it comes to the monthly cost of assisted living, Maine offers affordability that sets it apart from its northeastern counterparts. With a median average of $4,000 per month for a room, Maine remains close to the nationwide average but stands out as the most affordable state in the region for assisted living expenses.
Maine's reputation for having small communities contributes to the appeal of affordable senior living. Even its largest city, Portland, has just over 66,000 residents, while Lewiston and Bangor, the second and third largest cities, have populations of approximately 33,000 each. Many seniors are drawn to these smaller communities, appreciating their close-knit and neighborly atmosphere. However, it's important to note that the selection of available assisted living facilities may be limited in these areas due to their size.
For those seeking affordable senior living options, towns such as Belfast, Auburn, Bangor, Westbrook, and Bath offer promising choices. These locations provide cost-effective assisted living opportunities that align with or fall below the state median. Counties such as Waldo, Penobscot, Androscoggin, Cumberland, and Sagadahoc are known for their more affordable monthly prices compared to the state average.
Although Maine's population exceeds one million people, it remains a relatively sparsely populated state. Its only U.S. neighbors, New Hampshire and Vermont have comparable populations, with New Hampshire having more residents and Vermont having fewer. This population density adds to the charm and tranquility of Maine, making it an attractive destination for seniors seeking a peaceful and intimate community.
In conclusion, Maine stands out as an affordable option for assisted living, with a median monthly cost of $4,000. The state's small communities and intimate atmosphere, along with the availability of affordable senior living in various towns and counties, make it an enticing choice for those seeking quality care at an affordable price. Whether in larger cities like Portland or smaller towns throughout the state, seniors can find suitable assisted living options that meet their needs and budget while enjoying the tranquility and natural beauty that Maine has to offer.
Assisted Living in Maine Financial Aid
When it comes to financing assisted living in Maine, there are financial aid programs available to help alleviate the costs. Maine's Medicaid system, known as MaineCare, offers assistance for elderly care expenses, providing two programs specifically designed to support individuals in assisted living facilities: Personal Care and CDAS (Consumer-Directed Attendant Services).
The Personal Care Program and CDAS program aims to assist individuals with the financial burden of assisted living charges. What makes these programs particularly beneficial is that they do not restrict you to a specific provider. Unlike some states, Maine allows you the freedom to choose the type of facility that best suits your needs, rather than having the state dictate your options.
MaineCare's Personal Care program offers support for individuals who require assistance with activities of daily living, such as bathing, dressing, and medication management. This program helps cover the costs associated with receiving personal care services within an assisted living setting.
The CDAS program, on the other hand, provides community-based alternative services for individuals who require assistance with activities of daily living but do not meet the eligibility criteria for nursing home care. This program offers financial aid for services that support individuals in their assisted living environment, promoting independence and maintaining their well-being.
Both the Personal Care and CDAS programs offer vital financial assistance to individuals seeking assisted living in Maine. These programs ensure that individuals have the flexibility to select the type of facility that best suits their needs and preferences, allowing them to receive the care they require while maintaining their autonomy and decision-making power.
In conclusion, Maine offers financial aid options through its Medicaid system, MaineCare, to support individuals with the costs of assisted living. The Personal Care and CDAS programs provide essential assistance and offer the freedom to choose the appropriate assisted living facility that meets an individual's specific requirements. By utilizing these programs, seniors in Maine can access the financial support they need to make assisted living more affordable and accessible, empowering them to live comfortably and with dignity.
Maine Assisted Living Types
When it comes to assisted living in Maine, the state's classification system divides communities into two primary categories: Type I and Type II. Under Maine's state law, the term "assisted living" is a broad term that encompasses a range of facilities catering to varying levels of care and support.
- Type I facilities, often referred to as assisted living communities, provide a level of care that is generally less hands-on compared to Type II complexes. These communities are designed to offer a supportive and safe living environment for individuals who may require assistance with activities of daily living, such as bathing, dressing, and medication management. Type I facilities may also accommodate individuals who need nursing services, making them suitable for a wider range of residents with different care needs.
- Type II facilities, sometimes known as assisted living and nursing care facilities, typically provide more intensive care and support compared to Type I communities. These facilities offer a higher level of medical and nursing services, making them better equipped to meet the needs of residents with complex medical conditions or individuals who require more extensive assistance and supervision.
It's important to note that while Type I and Type II facilities have distinctions in the level of care they provide, the specific services and amenities offered can vary between individual communities. Assisted living facilities in Maine aim to create a comfortable and supportive environment for residents, promoting independence and quality of life while ensuring their safety and well-being.
Whether it's Type I or Type II, the diversity of assisted living options in Maine allows individuals to choose the level of care that best suits their needs and preferences. From communities that focus on personal care assistance to those that offer a broader range of nursing services, Maine's assisted living facilities strive to provide tailored care to meet the unique requirements of each resident.
In conclusion, Maine's assisted living landscape consists of two primary types: Type I and Type II facilities. While Type I communities generally offer less hands-on care, they can also provide assistance with nursing services as needed. Type II facilities, on the other hand, offer a higher level of medical and nursing care. By offering these different types of assisted living options, Maine ensures that individuals have access to a variety of services and can choose the level of care that aligns with their specific needs, promoting comfort, security, and a fulfilling lifestyle.
Paying for Assisted Living in Maine: Exploring Financial Options
When it comes to financing assisted living in Maine, there are several financial options available to help individuals cover the costs associated with senior care. As seniors and their families navigate the financial aspects of assisted living, understanding these options can alleviate the burden and ensure access to quality care.
Private Funds: Many individuals use personal savings, retirement funds, or other assets to pay for assisted living. Using private funds provides flexibility and allows individuals to choose the facility that best meets their needs and preferences.
Long-Term Care Insurance: Long-term care insurance policies can help cover the costs of assisted living. It is important to review policy details to determine coverage limits, qualifying criteria, and any waiting periods before benefits become active.
Veterans Benefits: Veterans and their spouses may be eligible for various benefits through the U.S. Department of Veterans Affairs. The Aid and Attendance program, for instance, provides additional financial support for veterans who require assistance with daily living activities.
MaineCare (Medicaid): Maine's Medicaid program, known as MaineCare, offers financial assistance for eligible individuals who require assisted living services. MaineCare can help cover the costs of personal care and community-based alternative services, helping to make assisted living more affordable.
Home Equity Conversion Mortgage (HECM): Seniors who own a home may consider a reverse mortgage, specifically a Home Equity Conversion Mortgage (HECM), to access the equity in their home to help pay for assisted living expenses. It is important to carefully evaluate the terms and implications of a reverse mortgage before pursuing this option.
Bridge Loans or Short-Term Financing: In some cases, individuals may need temporary financial assistance while waiting for other funding sources to become available. Bridge loans or short-term financing options can provide immediate access to funds to cover assisted living costs.
It is essential to consult with financial advisors, elder law attorneys, or senior living specialists who can provide guidance tailored to individual circumstances. These professionals can help navigate the complexities of paying for assisted living and explore the most suitable financial options available.
In conclusion, paying for assisted living in Maine requires careful consideration of available financial resources. From private funds and long-term care insurance to veterans benefits and MaineCare, individuals and their families have various avenues to explore. By understanding these options and seeking expert advice, seniors can make informed decisions to ensure access to the necessary funds and secure a comfortable and fulfilling assisted living experience in the beautiful state of Maine.
Licensing of Assisted Living Facilities in Maine
Assisted living facilities in Maine are regulated and licensed to ensure the provision of quality care, safety, and adherence to state regulations. Licensing requirements aim to protect the well-being and rights of residents while promoting a supportive and comfortable living environment. Let's explore the licensing process and key considerations for assisted living facilities in Maine.
- State Oversight: The Maine Department of Health and Human Services (DHHS) is responsible for overseeing the licensing and regulation of assisted living facilities in the state. The DHHS ensures compliance with state statutes, rules, and regulations to promote the well-being of residents.
- Licensing Criteria: Assisted living facilities in Maine must meet specific criteria to obtain and maintain their license. These criteria include factors such as staffing ratios, staff training requirements, health and safety standards, medication management protocols, and the provision of personal care services. Facilities must undergo regular inspections to ensure ongoing compliance.
- Application Process: Assisted living facilities must submit an application to the DHHS, providing detailed information about their operations, services, staffing, and facility layout. The DHHS carefully reviews these applications, conducts background checks on key personnel, and may request additional documentation or clarification before granting a license.
- Staffing Requirements: Assisted living facilities must meet staffing requirements outlined by the state. This includes having an appropriate number of trained staff members available to provide care and support to residents. Staff should receive ongoing training to stay updated on best practices and maintain the necessary skills to meet resident needs.
- Resident Rights and Protections: Maine's licensing requirements prioritize the protection of resident rights. Assisted living facilities must respect residents' autonomy, dignity, privacy, and confidentiality. They must have policies and procedures in place to handle grievances, ensure resident involvement in decision-making, and promote a safe and inclusive environment.
- Inspections and Compliance: Assisted living facilities undergo regular inspections by the DHHS to assess compliance with licensing regulations. Inspections may be scheduled or unannounced and cover various aspects, including facility cleanliness, safety measures, staff qualifications, resident care, and documentation practices. Non-compliance with licensing requirements can result in penalties or the revocation of the facility's license.
By enforcing licensing requirements, Maine's regulatory system aims to ensure that assisted living facilities meet the necessary standards to provide quality care and protect residents' well-being. Prospective residents and their families are encouraged to inquire about a facility's licensing status, review inspection reports, and visit the facility to assess its suitability for their needs.
In conclusion, the licensing of assisted living facilities in Maine is a critical process that upholds the state's commitment to quality care and resident safety. Through state oversight, licensing criteria, staff requirements, and regular inspections, Maine's licensing system plays a vital role in promoting the well-being of individuals residing in assisted living facilities. By choosing a licensed facility, residents and their families can have confidence in the quality of care provided and enjoy peace of mind as they embark on their assisted living journey in the beautiful state of Maine.
Does Medicaid pay for assisted living in Maine?
Yes, Medicaid (MaineCare) can help cover the costs of assisted living in Maine. Programs such as Personal Care and CDAS (Consumer-Directed Attendant Services) are available to provide financial assistance for eligible individuals who require assistance with daily activities in an assisted living setting. Eligibility criteria, including income and asset limits, must be met to qualify for Medicaid assistance. It's important to understand the specific coverage and limitations of Maine's Medicaid program before making decisions about assisted living and financial planning.
How to Protect Your Rights in Maine Assisted Living: Ensuring Safety and Dignity
Ensuring that your rights are protected is crucial when residing in an assisted living facility in Maine. By understanding your rights and taking proactive measures, you can help create a safe and respectful living environment. Here are some key steps to protect your rights in Maine assisted living:
- Know Your Rights: Familiarize yourself with the rights guaranteed to residents in Maine assisted living facilities. These rights include the right to be treated with dignity and respect, the right to privacy, the right to make your own decisions, and the right to voice concerns or grievances. Understanding these rights empowers you to advocate for yourself and assert your needs.
- Review the Resident Agreement: Carefully review the resident agreement provided by the assisted living facility. This document outlines the terms and conditions of your residency, including services provided, fees, and policies. Pay attention to any clauses that may impact your rights or restrict your freedom. Seek clarification or legal advice if needed.
- Maintain Open Communication: Establish open and effective communication with the staff and management of the assisted living facility. Regularly voice your concerns, preferences, and needs. If issues arise, address them promptly and assertively. Effective communication can help resolve conflicts and ensure your rights are respected.
- Involve Your Family or Support System: Inform your family members or trusted individuals about your rights and involve them in your decision-making process. They can serve as advocates on your behalf, ensuring your concerns are heard and addressed appropriately.
- Document and Report Concerns: Keep a record of any incidents or concerns that arise during your stay in the assisted living facility. Document dates, times, and details of the events. If necessary, report these incidents to the facility management or the appropriate regulatory agency. Reporting helps protect not only your rights but also the rights of other residents.
- Stay Informed about Regulations: Stay informed about the regulations and laws governing assisted living facilities in Maine. Understand the standards that facilities must adhere to regarding safety, staffing, and resident care. Being knowledgeable about these regulations can help you identify any potential violations and take appropriate action.
- Seek Legal Advice if Necessary: If your rights are being violated or if you face challenges in protecting them, consider seeking legal advice from an attorney who specializes in elder law. They can provide guidance on your specific situation and help you navigate any legal recourse that may be available to you.
Remember, protecting your rights in Maine assisted living is an ongoing process. Stay vigilant, voice your concerns, and seek support when needed. By advocating for yourself and being proactive, you can help create an environment that upholds your safety, dignity, and well-being.
What Services Are Typically Provided In Maine Assisted Living Facilities?
In Maine, assisted living facilities typically offer a range of services designed to meet the needs of residents while promoting independence and a comfortable living environment. While specific services may vary between facilities, here are some commonly provided services in Maine assisted living facilities:
- Assistance with Activities of Daily Living (ADLs): Assisted living facilities in Maine offer support with activities such as bathing, dressing, grooming, toileting, and mobility. Trained staff members are available to provide hands-on assistance as needed.
- Medication Management: Assisted living facilities help residents with medication management, ensuring that medications are taken as prescribed and on schedule. Staff may assist with medication reminders, organization, and administration.
- Meal Services: Nutritious meals and snacks are typically provided in assisted living facilities. Meals are often prepared on-site and can accommodate special dietary needs or preferences. Some facilities may also offer dining options that promote socialization and community engagement.
- Housekeeping and Laundry: Assisted living facilities in Maine often provide housekeeping and laundry services to ensure residents have clean and comfortable living spaces. This may include regular cleaning of resident rooms, common areas, and linen services.
- Transportation Assistance: Many assisted living facilities offer transportation services to help residents with scheduled appointments, shopping trips, and social outings. This ensures residents have access to necessary services and can participate in community activities.
- Social and Recreational Activities: Assisted living facilities organize social and recreational activities to promote engagement and well-being. These activities may include exercise classes, arts and crafts, outings to local attractions, games, and entertainment events. They aim to foster a sense of community and provide opportunities for residents to socialize and pursue their interests.
- 24-Hour Staff Availability: Assisted living facilities maintain staff available around the clock to ensure resident safety and respond to emergencies. Trained personnel are on-site to provide assistance and support whenever needed.
- Health and Wellness Monitoring: Assisted living facilities may offer health and wellness monitoring services to help residents maintain their overall well-being. This can include regular health assessments, vital sign monitoring, and coordination with healthcare providers to ensure continuity of care.
- Personalized Care Plans: Assisted living facilities develop individualized care plans for each resident based on their specific needs and preferences. These care plans outline the services and support required to meet the resident's unique requirements, allowing for personalized care.
It's important to note that the availability and extent of services may vary between different assisted living facilities in Maine. When exploring options, it's recommended to visit potential facilities, inquire about the specific services they offer, and discuss any individual needs or concerns to ensure the chosen facility aligns with your requirements.
How can I find and choose an assisted living facility in Maine?
Finding and choosing an assisted living facility in Maine requires careful research, consideration of individual needs, and visiting potential options. Here are some steps to help you in the process:
- Determine Your Needs: Assess your needs and preferences to identify the level of care and services required. Consider factors such as location, size of the facility, specific amenities, and any specialized care needs you may have. This will help narrow down your search and focus on facilities that can meet your requirements.
- Conduct Online Research: Utilize online resources to gather information about assisted living facilities in Maine. Websites like senior living directories, state regulatory agencies, and online review platforms can provide insights into available facilities, their services, and reviews from residents and families.
- Seek Recommendations and Referrals: Reach out to friends, family members, healthcare professionals, or local senior service organizations for recommendations. Hearing about personal experiences and insights from trusted sources can be invaluable in finding potential assisted living facilities.
- Visit Potential Facilities: Schedule visits to assisted living facilities that align with your needs and preferences. Take note of the cleanliness, ambiance, and safety of the facility. Interact with staff members and residents to get a sense of the atmosphere and community. Ask questions about services, staffing, activities, and any specific concerns or needs you may have.
- Review Contracts and Policies: Carefully review the facility's resident contract, policies, and procedures. Pay attention to the terms of residency, fees, services provided, admission and discharge criteria, and policies related to healthcare management, personal belongings, and resident rights. Seek clarification on any areas of concern before making a decision.
- Consider Cost and Financials: Understand the cost structure and payment options of each facility. Inquire about the base monthly fees, additional charges for specific services or levels of care, and any potential financial assistance programs available. Ensure that the costs are within your budget and that the facility's financial policies align with your needs.
- Check Licensing and Accreditation: Verify that the assisted living facility is properly licensed and regulated by the appropriate state agencies. Look for any accreditation or quality certifications that demonstrate the facility's commitment to meeting certain standards of care and services.
- Involve Your Support Network: Seek input and involve your family members, close friends, or trusted advisors in the decision-making process. Their insights and perspectives can provide valuable input and help you make an informed choice.
- Trust Your Instincts: Pay attention to your gut feeling during facility visits and interactions. Consider the overall atmosphere, the friendliness of the staff, and the level of attentiveness to resident needs. Trusting your instincts can guide you toward a facility where you feel comfortable and confident in receiving care.
It's essential to approach the selection process thoughtfully and take your time to make an informed decision. Choosing the right assisted living facility in Maine can greatly enhance your quality of life and well-being.
Free Resources For Seniors Living In Maine
There are several free resources available for seniors living in Maine that can provide valuable support, assistance, and access to various services. Here are some notable free resources for seniors in Maine:
- Maine Aging and Disability Resource Centers (ADRCs): ADRCs serve as a central point of contact for seniors and their families, providing information, referrals, and assistance on a range of topics. They can help connect seniors to local resources, programs, and services based on their specific needs.
- Senior Centers: Maine has numerous senior centers located throughout the state. These centers offer a variety of free or low-cost programs, activities, and services for seniors, such as educational classes, wellness programs, social gatherings, and meal programs. They provide opportunities for social engagement and community involvement.
- Maine State Health Insurance Assistance Program (SHIP): SHIP provides free and unbiased counseling to help seniors understand and navigate their Medicare benefits, including Medicare Part D prescription drug plans, Medicare Advantage plans, and supplemental insurance options. Trained counselors offer personalized assistance and guidance on healthcare coverage.
- Maine Legal Services for the Elderly (LSE): LSE provides free legal assistance to seniors on a range of issues, including housing, healthcare, public benefits, consumer protection, and elder abuse. Legal professionals offer advice, representation, and advocacy to protect the rights and interests of seniors in Maine.
- Maine Prescription Assistance Program (MPAP): MPAP helps eligible low-income seniors access affordable prescription medications. It provides assistance in navigating prescription drug coverage, applying for patient assistance programs, and accessing discounted or free medications through various resources.
- Volunteer Programs: Various volunteer organizations and programs in Maine offer free services to seniors, such as friendly visits, transportation assistance, companionship, and light household chores. These programs rely on volunteers who generously donate their time to support and assist seniors in the community.
- MaineCare (Medicaid): MaineCare is the state's Medicaid program that provides healthcare coverage for eligible low-income individuals, including seniors. It offers a range of free or low-cost healthcare services, including doctor visits, hospital care, prescription medications, and long-term care options like assisted living or nursing home care.
- Maine Senior FarmShare Program: This program provides eligible low-income seniors with fresh, locally grown fruits and vegetables from participating farmers' markets and farm stands. Seniors can access nutritious produce throughout the growing season at no cost.
It's important to note that the availability and eligibility criteria for these free resources may vary. Seniors and their families can contact the respective programs directly or reach out to local senior service organizations for more information and guidance on accessing these resources.
Top 10 Assisted Living Facilities in Maine
While looking for assisted living care in Ellsworth, Maine, you will likely find Brae Drive Home, located at 13 Brae Dr in the 04276 zip code area in Hancock County. Brae Drive Home provides assistance to seniors living in Ellsworth who require assistance with showering, dressing, moving from one place to another, self-feeding, styling their hair and using the toilet. Brae Drive Home includes amenities such as: parking for family members, linen and laundry service and transportation.
Remeliah House is an affordable assisted living center located in Calais, Maine. Remeliah House can be found at 10 Mahar Ln, in the 04210 zip code area. It provides assistance to 55 and over adults living in Washington County with ADLs that include showering and aid with moving around. A few of the features you can find at Remeliah House include arts & crafts, chef-prepared fresh meals and transportation.
Located at 13 Sewall Street, inside 04785 zip code area, Sewall Street Home offers senior assisted living in Island Falls, ME to 55 and older adults who reside in Aroostook County. Sewall Street Home offers amenities that include fitness area, staff dietitian and appointment transportation.
Lakeview Terrace Residential Care Facility is a pet friendly assisted living community located at 74 Taylor St, 04963 zip code. This facility offers amenities like assistance with relocating to the community and dining assistance if needed, routine health monitoring, as well as snacks.
Chase Point Assisted Living Facility provides assisted living in Lincoln county, Maine. Chase Point Assisted Living Facility includes features that include community kitchen and laundry service, and it can also offer assistance with showering, putting on clothes, walking, self-feeding, personal hygiene and using the toilet to any elderly adults living in Damariscotta, ME and Lincoln County. Chase Point Assisted Living Facility is situated at 51 Schooner St, 04240.
For seniors who are searching for assisted living in Abbot, Maine, Abbot House is a great upscale residential care facility that includes arts and crafts activities and recreation and education activities. Its official license number is RCC15. Abbot House provides assisted living services not only to Abbot senior citizens, but also to all Piscataquis County residents.
If your loved one needs assistance with ADLs, you should consider Washington Manor, an assisted living facility in Washington, Maine located at 276 Razorville Rd, 04106 zip code area. It offers amenities like special dietary accommodation, three meals every day and in-room emergency systems.
Southern Acres Residential Care Facility is situated at 203 Tweedie Rd in the 04038 zip code area. As part of it individual care services, it offers services like movie nights, pet-friendly facilities and medication supervision.
Tall Pines Adult Day Program, located at 24 Martin Ln, Belfast, Maine, 04072 provides assisted living for senior citizens residing in Waldo County and surrounding areas. A few of its services include routine health monitoring and 24/7 secured premises.
Sixty Three Washington Street is an assisted living facility in Camden, Maine, providing services and care to 55+ adults who need assistance with bathing, putting on clothes, sitting and standing up, eating by themselves and going to the bathroom. Sixty Three Washington Street offers services that include a theatre room, chef-prepared meals and individual service assessment.
All Cities and Counties in Maine with Assisted Living Options
- ANDROSCOGGIN County
- AROOSTOOK County
- BAR HARBOR
- BLUE HILL
- BOOTHBAY HARBOR
- CAPE ELIZABETH
- CUMBERLAND County
- DOVER FOXCROFT
- EAGLE LAKE
- EAST WATERBORO
- FRANKLIN County
- HANCOCK County
- ISLAND FALLS
- KENNEBEC County
- KNOX County
- LINCOLN County
- LISBON FALLS
- NEW GLOUCESTER
- OCEAN PARK
- OLD ORCHARD BEACH
- OLD TOWN
- OWLS HEAD
- OXFORD County
- PENOBSCOT County
- PISCATAQUIS County
- PRESQUE ISLE
- SAGADAHOC County
- SAINT ALBANS
- SOMERSET County
- SOUTH CHINA
- SOUTH PARIS
- SOUTH PORTLAND
- VAN BUREN
- WALDO County
- WASHINGTON County
- WEST PARIS
- YORK County
Talk to an assisted living advisor. 100% free, no obligation information.(888) 923-6007