Harbor Terrace Senior Living is certified as a Medicare and Medicaid facility and has been approved to provide these services since 2025-03-07. Medicare covers short-term skilled nursing care (typically up to 100 days after a qualifying hospital stay). Medicaid covers long-term care for residents who meet financial eligibility requirements. Contact the facility at (231) 900-1713 or your local Medicaid office to verify current eligibility.

Harbor Terrace Senior Living holds an overall CMS (Centers for Medicare & Medicaid Services) rating of N/A out of 5 stars. This is made up of three components: Health Inspection (N/A★), Staffing (N/A★), and Quality of Resident Care (N/A★). Our independent composite quality score — which uses the raw underlying CMS numbers to break ties between similarly-rated facilities — is 70.0/100, placing it #8299 of 14703 facilities nationally and #216 of 423 in Michigan. Star ratings are a useful starting point, but the composite score and individual sub-ratings give a more complete picture for families comparing facilities.

Each resident at Harbor Terrace Senior Living receives a reported average of 7 hours 21 minutes of total nurse staffing per day. This breaks down as: Registered Nurse (RN) coverage — 1 hour 32 minutes; Licensed Practical Nurse (LPN) — 1 hour 38 minutes; Nurse Aide — 4 hours 11 minutes. On weekends, total nurse staffing is 6 hours 50 minutes per resident per day. The CMS Staffing Rating for this facility is N/A out of 5. The national average for total nursing hours is approximately 3.5 hrs/day. Families are encouraged to ask about current staffing schedules during their facility visit.

Harbor Terrace Senior Living has received zero fines across all five years of available data (2022–2026), reflecting a strong regulatory compliance record. No substantiated complaints have been recorded in the available data. In the most recent CMS reporting period, the facility received 0 fine(s) totaling $0, and 0 Medicare payment denial(s). Total penalties: 0. Full inspection history and complaint details are available at medicare.gov/care-compare.

Nationally, Harbor Terrace Senior Living ranks 8299th out of 14,703 facilities (composite score: 70.0/100), placing it in the below average nationwide. Within MI, it ranks 216th out of 423 nursing homes. In Muskegon, it ranks 4th out of 5 facilities. For 2026 staffing: total nurse hours rank #141 nationally and RN hours rank #537 nationally (#16 in MI). Our composite quality score of 70.0/100 weighs health inspections, quality of resident care, staffing hours, compliance record, and five-year performance trends — giving a more complete picture than CMS star ratings alone, which can place hundreds of facilities in the same 5-star bucket. To browse and compare all nursing homes in Muskegon, visit: https://nursinghomesnearme.org/michigan/muskegon/