Care for Life —
Right Where You Live

At its core, LifeCare® is a promise that no matter what your health needs become, you’ll receive the care you need, right here on campus, at a cost that doesn’t change dramatically. We’re the only Life Plan Community in Martin and St. Lucie counties that offers Type A LifeCare®. For you, this means a financial safety net that protects your assets, supports your independence, and gives your family one less thing to worry about.

To learn more about your financial and senior living options, download our free guide, “A Financial Guide to Life Plan Communities”.

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What Is Type A LifeCare®

Type A LifeCare® is the gold standard of senior living contracts — and it’s what Sandhill Cove offers. With a Type A contract, you pay a one-time entrance fee and predictable monthly fees in exchange for comprehensive access to the full continuum of care at Water’s Edge, our on-site health center. Your monthly fee remains essentially unchanged whether you’re living independently today or require assisted living, skilled nursing, or memory support in the future. No surprise bills. No escalating costs. No scrambling for a new plan.

For residents, that means the freedom to live fully right now, with the confidence of knowing everything is already in place. For families, it means the burden of researching facilities, navigating unexpected costs, and making difficult decisions in a crisis is simply removed. And for your assets, it means the financial plan you’ve spent a lifetime building stays intact.

Understanding Life Plan Community Contracts

A Life Plan Community — also known as a Continuing Care Retirement Community, or CCRC — offers a full continuum of care on one campus, allowing residents to transition through different levels of care without ever having to relocate. But not every Life Plan Community offers the same contract.

Here’s how the four main contract types compare:

Type A (LifeCare®)

The most comprehensive contract available. Residents pay a one-time entrance fee and predictable monthly fees in exchange for unlimited access to the full continuum of care at no significant increase in monthly costs. Financial security, peace of mind, and stability for life — regardless of changing care needs.

Type B (Modified Plan)

Residents receive a limited number of complimentary health care days, after which additional care is provided at per diem or discounted rates. Monthly fees increase when transitioning to higher care levels, offering some financial protection — but not the comprehensive coverage of a Type A contract.

Type C (Fee-for-Service)

Lower entrance fees and monthly costs upfront, but residents pay full market rate for any assisted living or skilled nursing care needed. Monthly costs can increase dramatically and unpredictably when care needs change.

Rental / No Entrance Fee

No entrance fee required, with higher ongoing monthly costs. Residents pay full market rate for elevated care, with no predictability or cost protection built in. Maximum flexibility — but minimum long-term financial security.

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Life Plan Community Frequently Asked Questions

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What is a Life Plan Community, and how is it different from LifeCare®?

A Life Plan Community (sometimes called a Continuing Care Retirement Community or CCRC) is a senior living option that offers a continuum of care on one campus. Residents can transition from independent living to assisted living, memory support, rehabilitation or skilled nursing as their needs change, without having to relocate. This approach ensures convenience, stability, and peace of mind for both residents and their families.

LifeCare®, on the other hand, is a specific type of contract available at some Life Plan Communities. It offers residents predictable monthly fees, even if they require higher levels of care in the future.

Essentially, LifeCare® provides a financial safety net by ensuring that the cost of care doesn’t fluctuate significantly, which can be a considerable benefit for long-term financial planning.

While all LifeCare® communities are Life Plan Communities, not all Life Plan Communities offer LifeCare® contracts. It’s essential to explore the options available at each community to determine the best fit for your needs, priorities, and budget.

What is an entrance fee?

Your senior living entrance fee is a one-time payment for your residence at our Life Plan Community. The entrance fee amount is based on:

  • The size of residence you choose
  • The number of people living there
  • The type of contract selected

This entrance fee, combined with your monthly fee, secures your future access to all levels of care at Sandhill Cove, protecting you from rising health care costs.

What does a monthly fee pay for?

Monthly service fees include all services and amenities, including your meal plan, maintenance, housekeeping and laundry services, utilities, transportation, concierge assistance, use of the pool and fitness center, and activities and events.

Is LifeCare® covered by long-term care insurance?

LifeCare® at Sandhill Cove may complement your long-term care insurance policy. Here’s what to know:

Potential insurance benefits:

  • Depending on policy terms, you could receive daily benefits paid by your policy while receiving long-term care at Water’s Edge, our on-site health and rehabilitation center
  • You may apply this benefit toward your monthly fee
  • You may be eligible to receive benefits for assisted living or skilled nursing

Important considerations:

  • Long-term care policies typically cover only a portion of health care costs
  • Coverage is usually limited to a specific number of days
  • These policies don’t guarantee availability in any particular health care center
  • As a Sandhill Cove resident, you’re assured access to Water’s Edge

Check with your insurance broker to verify your specific benefits and how they coordinate with LifeCare®.

Sandhill Cove

1500 S.W. Capri
Palm City, FL 34990

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