Charlotte Hall Veterans Home: Admission, Cost and Services in Maryland
Charlotte Hall Veterans Home is Maryland’s only state-operated veterans home, located on 126 acres in St. Mary’s County. It offers 126 assisted living beds, 318 skilled nursing beds, and secure memory care units. Eligible Maryland veterans pay 90% of monthly net income for assisted living, with a VA per diem of $64.19–$148.71 per day reducing costs. Veterans rated 70% or higher service-connected may receive full nursing home coverage.
| Item | Details |
|---|---|
| Benefit | State veterans home with assisted living, skilled nursing, and memory care |
| Eligibility | Maryland veterans, certain spouses, age 62+ or disabled |
| Application | Charlotte Hall Admissions Office; interview required |
| Processing Time | Varies; no waiting list typically |
| Official Agency | Maryland Department of Veterans & Military Families |
| Required Forms | DD-214, financial questionnaire, medical package, VA forms |
| Updated For | 2026 per diem rates and admission requirements |
What Is Charlotte Hall Veterans Home?
Charlotte Hall Veterans Home is a state-operated continuing care retirement community exclusively for Maryland veterans and their eligible spouses. It opened in 1985 and is one of 153 state veterans homes nationwide. The facility is Medicare and Medicaid certified and operates under the Maryland Department of Veterans & Military Families.
The home sits on 126 acres in St. Mary’s County, about 45 minutes southeast of Washington, D.C. It is the only state veterans home in Maryland. The facility receives approximately 65% of its funding from the U.S. Department of Veterans Affairs through the State Veteran Home and Construction Grant Program, with the remaining 35% funded by the State of Maryland.
Why this matters: State veterans homes offer care that is typically more affordable than private nursing homes or assisted living facilities because of the VA per diem subsidy and state funding. Charlotte Hall is designed specifically for veterans, with on-site medical services, a Veterans Service Officer, and a community of peers who share military experience.
What veterans should do next: Contact the Charlotte Hall Admissions Office at 301-884-8171, ext. 5119, to check current availability and request an application packet. The facility typically has no waiting list, but availability changes daily.
Charlotte Hall Veterans Home Services and Levels of Care
Charlotte Hall offers a full continuum of care across three levels: assisted living, skilled nursing, and memory care. Each level has its own admission criteria, staffing ratio, and cost structure.
Assisted Living Program
The assisted living program has 126 beds across 30 single rooms and 100 double rooms. Residents must be able to perform routine daily functions—dressing, feeding, making their bed, and keeping their room clean—with minimal assistance. They must also be able to make their way to and from the first-floor dining area and control body eliminations.
Veterans May Qualify for Extra Benefits
Check available financial assistance, healthcare programs and other opportunities that may apply to you.
Check EligibilityServices included in assisted living:
Private and semi-private rooms
Three meals daily in a dining room
Housekeeping services
Mental health counselor
Access to on-site physicians
Access to the USDVA outpatient clinic on campus
Activity rooms, scheduled events, and outings
Library, game rooms, and lounges
Computers with internet access
Chaplain services
Outside walking trail, gazebo, and covered pavilions
Skilled Nursing Program
The skilled nursing program has 318 beds, including a 16-bed Women’s Unit. It provides 24/7 care and clinical services for veterans who need more intensive medical support. The program includes two secured memory care units for veterans with Alzheimer’s disease or other dementias.
Services included in skilled nursing:
24/7 nursing care
On-site medical director, attending physician, and nurse practitioner
On-site dental, optometry, and podiatry
Physical, occupational, and speech therapy
On-site pharmacy
Laboratory and radiology services
Social workers and case managers
Memory care in secure units
Transportation to and from the DC VA Medical Center
Memory Care
Charlotte Hall operates two secured memory care units within the skilled nursing program. These units are designed for veterans with Alzheimer’s disease, dementia, or other cognitive impairments that require a secure environment. The units provide specialized programming, increased supervision, and a structured daily routine.
On-Site Amenities for All Residents
Barber and beauty shop
Massage therapy and pain management
Veterans Service Officer on site
Activity rooms and scheduled events
Lounges, library, and game rooms
Computers with internet access
Chaplain services
Walking trail, gazebo, and covered pavilions
Charlotte Hall Veterans Home Eligibility Requirements
You qualify for admission to Charlotte Hall if you meet the service, residency, and age or disability requirements. There is no income limit for admission, but your income determines your cost of care.
Who Qualifies for Admission
Veterans:
A Maryland veteran who served on full-time active duty in the U.S. Armed Forces, other than active duty for training
Discharged or released under honorable conditions
Certain members of a reserve component who meet legal residence requirements
Spouses:
Certain non-veteran spouses of eligible veterans may be admitted to Charlotte Hall
A non-veteran spouse wishing to reside in assisted living must pay the full cost of their care, prescriptions, and ancillary services
Age and Disability:
Maryland resident, at least 62 years of age OR
Deemed disabled by either the Social Security Administration or the U.S. Department of Veterans Affairs
Residency Requirements
Applicants must prove two years of Maryland residency immediately prior to admission OR Maryland must be listed as the veteran’s “Home of Record” on the DD-214. Proof of residency can include a driver’s license, state ID card, or other official documentation.
Medical Eligibility
For assisted living, the applicant must have a complete physical verifying that he or she has the mental and physical ability to perform routine daily functions and make rational decisions about remaining at or leaving Charlotte Hall. For nursing home care, the applicant’s physician must verify that he or she does not require medical, surgical, or nursing care beyond the capabilities of the facility.
What veterans should do next: If you are unsure whether you or your spouse qualify, call the Admissions Office at 301-884-8171, ext. 5119, or schedule an appointment with the on-site Veterans Service Officer, Nicole Watson, at 301-884-8171, ext. 5112. The VSO can review your DD-214, disability rating, and benefits eligibility before you apply.
Charlotte Hall Veterans Home Cost of Care
The cost of care at Charlotte Hall varies by level of care and the veteran’s income. All veterans receive a VA per diem subsidy that reduces their out-of-pocket expenses. The per diem rates effective October 1, 2025, are $64.19 per day ($1,957.80 per month) for assisted living and $148.71 per day ($4,535.66 per month) for nursing home care.
Assisted Living Cost
Veterans in assisted living pay 90% of their monthly net income—including Social Security, pension, annuity, and retirement income—but never more than the full monthly cost of care. In most cases, veterans keep 10% of their net monthly income as a spending allowance.
The VA per diem is applied as a credit to the monthly statement. The balance between the per diem credit and the veteran’s monthly income is subsidized by the State of Maryland. This means the veteran’s actual out-of-pocket cost is often significantly lower than the posted daily rate.
Example: A veteran with $2,500 monthly net income in assisted living would pay $2,250 per month (90% of income). The VA per diem credit of $1,957.80 is applied, and the state subsidizes the remaining balance. The veteran keeps $250 per month as a spending allowance.
Nursing Home Cost
For skilled nursing care, cost is based on the veteran’s personal resources, long-term care insurance, Medicare, and Medicaid (if eligibility requirements are met). The VA per diem of $148.71 per day is applied as a credit to reduce the veteran’s cost.
A veteran rated 70% or greater with a service-connected disability may be entitled to the full cost of nursing home care. This is a critical distinction. If you are rated VP1-70% or higher, your nursing home care may be fully covered.
Posted Daily Room Rates
| Level of Care | Daily Rate | Monthly Equivalent |
|---|---|---|
| Assisted Living | $177.00–$180.00 | ~$5,310–$5,400 |
| Skilled Nursing (semi-private) | $286.00 | ~$8,580 |
| Skilled Nursing (private) | $290.00 | ~$8,700 |
| Memory Care | $290.00 | ~$8,700 |
Note: These are posted rates. Most veterans pay significantly less due to the VA per diem credit, the 90%-of-income formula for assisted living, and Medicaid coverage for eligible nursing home residents.
How the VA Per Diem Works
The VA per diem is a federal subsidy paid directly to Charlotte Hall on behalf of each veteran resident. It is not paid to the veteran. The per diem reduces the amount the veteran owes. As the VA states: “This benefit is used to lower the veteran’s out-of-pocket expenses. This enables veterans and their families to save significantly.”
| Per Diem Category | Daily Rate | Monthly Savings |
|---|---|---|
| Nursing Home Care | $148.71 | $4,535.66 |
| Assisted Living Care | $64.19 | $1,957.80 |
Rates effective October 1, 2025
How to Apply for Charlotte Hall Veterans Home
The application process involves submitting a complete packet, scheduling an interview, and receiving a medical and financial determination. Charlotte Hall typically has no waiting list, but availability changes daily.
Step-by-Step Application Process
Step 1: Contact the Admissions Office.
Call 301-884-8171, ext. 5119, to check current availability and request an application packet. The admissions team can answer questions about eligibility and the application process.
Step 2: Gather required documents.
The complete application requires:
DD-214 or equivalent proof of honorable discharge
Proof of Maryland residency (driver’s license, ID card, etc.)
Completed admission application forms
Completed financial questionnaire with attachments
Last 3 months of bank statements (all pages)
CD/IRA/401K statements (most recent)
Stock/investment statements (most recent)
Award letters for all monthly incomes (Social Security, pension, VA benefits)
Copy of latest tax return
Life insurance declaration page or verification of cash value
Real estate information including most recent mortgage statement
Signed consent for criminal background check
Flu vaccine consent form
Copy of insurance cards (Medicare, Medicare Part D, supplemental)
Copy of legal documents (Power of Attorney, Living Will, Advance Directives)
Marriage certificate or death certificate (if applying as a spouse)
Step 3: Complete the medical package.
All medical forms must be dated within 30 days of the admission date. The physician must complete:
“Physician Certification Related to Medical Condition” form
Healthcare Practitioner’s Physical Assessment (Assisted Living only)
Maryland Medical Assistance Medical Eligibility Review (Long-term Care only)
VA Form 10-10SH
Department of Health and Mental Hygiene ID Screen (Long-term Care only)
Physician orders for immediate care
Chest X-ray
Step 4: Submit the application.
Mail the completed packet to:
Charlotte Hall Veterans Home
Attn: Admissions
29449 Charlotte Hall Road
Charlotte Hall, Maryland 20622
Fax: 833-671-3102
Step 5: Schedule the interview.
After all required paperwork is submitted, the Admissions Office will schedule an interview to determine medical appropriateness and the applicant’s cost of care.
Step 6: Receive determination.
The admissions team reviews the application, medical package, and interview results. If approved, a bed is assigned based on availability and level of care needed.
Required VA Forms
VA Form 10-10SH — Application for Medical Benefits (State Home)
VA Form 21-22 — Appointment of Veterans Service Organization as Claimant’s Representative (if DD-214 is unavailable)
SF-180 — Request Pertaining to Military Records (if DD-214 is unavailable)
VA Form 10-5345a — Individuals’ Request for a Copy of Their Own Health Information
Charlotte Hall Veterans Home vs. Other Options in Maryland
| Facility Type | Monthly Cost Range | VA Per Diem | Medicaid Accepted | Memory Care |
|---|---|---|---|---|
| Charlotte Hall (Assisted Living) | 90% of net income | $1,957.80/month credit | N/A | No |
| Charlotte Hall (Skilled Nursing) | Based on resources | $4,535.66/month credit | Yes | Yes |
| Private Assisted Living (MD) | $4,500–$7,000 | No | No | Varies |
| Private Nursing Home (MD) | $9,000–$12,500 | No | Yes | Varies |
| Home Care (MD) | $4,500–$5,500 (40 hrs/week) | No | No | No |
Sources: Genworth Cost of Care Survey 2024, Charlotte Hall published rates
Charlotte Hall offers significant savings for veterans compared to private facilities. The combination of the VA per diem, the 90%-of-income formula for assisted living, and state subsidies makes it one of the most affordable options in Maryland for veterans who qualify.
Charlotte Hall Veterans Home Quality Ratings and Recent Changes
Charlotte Hall’s federal quality rating fell from four stars to one star between 2015 and 2023 under the previous operator, HMR of Maryland LLC. Governor Wes Moore called the conditions a “moral failure of government” in March 2025 and announced a transition to a new operator, PruittHealth.
Current Quality Status
The July 25, 2025, annual inspection identified eight deficiencies, including failure to maintain residents’ dignity, call bells not within reach, improper medication storage, unsafe food service practices, and inadequate infection prevention. The facility received a 5 out of 5 overall rating on July 25, 2025, on some rating platforms, reflecting improvement from the prior period.
Recent Operational Changes
Maryland hired a team of nurses to perform health and wellness assessments of all residents. As of early 2025, 125 assessments had been completed.
The state legislature introduced emergency bills requiring operators of state-owned nursing homes to report citations and fines to state officials within 30 days.
PruittHealth, a national senior living operator, took over management of Charlotte Hall.
What families should do: Ask the admissions office for the most recent inspection report and quality rating. Visit the facility in person. Speak with current residents and family members. The Maryland Office of Health Care Quality publishes inspection reports online.
Common Questions
Who is eligible for Charlotte Hall Veterans Home?
Eligibility requires honorable discharge from full-time active duty, Maryland residency for two years immediately prior to admission (or Maryland as Home of Record on the DD-214), and age 62 or older or a disability determination from the SSA or VA. Certain non-veteran spouses may also qualify.
How much does Charlotte Hall Veterans Home cost per month?
Assisted living costs 90% of the veteran’s monthly net income, capped at the full monthly cost. The VA per diem of $64.19 per day ($1,957.80 per month) is applied as a credit. Nursing home costs are based on personal resources, long-term care insurance, Medicare, and Medicaid. Veterans rated 70% or higher service-connected may receive full coverage.
Is there a waiting list for Charlotte Hall?
Charlotte Hall typically has no waiting list, but availability changes daily. Call the Admissions Office at 301-884-8171, ext. 5119, to check current availability for your desired level of care.
What is the VA per diem at Charlotte Hall?
The VA per diem rates effective October 1, 2025, are $148.71 per day ($4,535.66 per month) for nursing home care and $64.19 per day ($1,957.80 per month) for assisted living care. This benefit reduces the veteran’s out-of-pocket cost.
Can a spouse of a veteran live at Charlotte Hall?
Yes. Certain non-veteran spouses of eligible veterans may be admitted to Charlotte Hall. A non-veteran spouse in assisted living must pay the full cost of their care, prescriptions, and ancillary services. The VA per diem does not apply to spouses.
What documents are required to apply?
Required documents include a DD-214, proof of Maryland residency, completed admission application, financial questionnaire, last three months of bank statements, income award letters, tax return, insurance cards, legal documents, and a complete medical package with forms dated within 30 days of admission.
Does Charlotte Hall accept Medicaid?
Yes. Charlotte Hall is Medicare and Medicaid certified. For skilled nursing care, Medicaid may cover the cost if the veteran meets eligibility requirements. The admissions office can explain how Medicaid interacts with the VA per diem and personal resources.
What is the difference between assisted living and skilled nursing at Charlotte Hall?
Assisted living is for veterans who can perform daily functions with minimal assistance. Skilled nursing provides 24/7 clinical care for veterans who need more intensive medical support. Memory care is provided within the skilled nursing program in secure units.
What is the phone number for Charlotte Hall Veterans Home?
The main number is 301-884-8171. The Admissions Office extension is 5119. The on-site Veterans Service Officer can be reached at ext. 5112. The toll-free number is 800-522-8387.
How do I get a copy of my DD-214 for the application?
If you do not have your DD-214, you can request it from the National Archives at archives.gov/veterans/military-service-records. You can also fill out VA Form 21-22 and SF-180, which are included in the Charlotte Hall application packet. The admissions office can assist with this process.
Key Takeaways
Charlotte Hall Veterans Home is Maryland’s only state-operated veterans home, offering 126 assisted living beds, 318 skilled nursing beds, and secure memory care units on 126 acres in St. Mary’s County.
Eligibility requires honorable discharge, Maryland residency, and age 62+ or a disability determination. Certain spouses may also qualify.
Assisted living costs 90% of monthly net income, capped at the full monthly cost. Veterans typically keep 10% as a spending allowance.
**The VA per diem reduces costs by $1,957.80 per month for assisted living** and $4,535.66 per month for nursing home care (rates effective October 1, 2025).
Veterans rated 70% or higher service-connected may receive full nursing home coverage at no cost.
The application requires a DD-214, proof of residency, financial documentation, and a complete medical package with forms dated within 30 days of admission.
There is typically no waiting list, but availability changes daily. Call 301-884-8171, ext. 5119, to check.
Charlotte Hall is Medicare and Medicaid certified, and Medicaid may cover skilled nursing costs for eligible veterans.
The facility transitioned to a new operator (PruittHealth) after quality concerns under the previous operator. Ask for the most recent inspection report before applying.
An on-site Veterans Service Officer can help with benefit questions and VA paperwork. Call 301-884-8171, ext. 5112.
Official Resources
Charlotte Hall Veterans Home: charhall.org
Admissions Page: charhall.org/content/admissions
Maryland Department of Veterans & Military Families: veterans.maryland.gov
Charlotte Hall Veterans Home (MDVA): veterans.maryland.gov/benefits-services/healthcare/charlotte-hall-veterans-home
VA State Veterans Homes: va.gov/health-care/eligibility/state-veterans-homes
VA Form 10-10SH: va.gov/find-forms/about-form-10-10sh
Medicare.gov (Nursing Home Compare): medicare.gov/care-compare
Maryland Office of Health Care Quality: health.maryland.gov/ohcq
National Archives (DD-214 Requests): archives.gov/veterans/military-service-records
Veterans Crisis Line: Dial 988, then press 1
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