Care that comes to your front door.
Most seniors want to stay at home. The right caregiver can make that possible, whether you need a few hours of help a week or someone there around the clock.
What is home care?
Home care brings a trained caregiver into your loved one's home. There are two main kinds, and many families use a mix of both.
Non medical home care covers everyday help: bathing, dressing, meals, light housekeeping, errands, rides to appointments and good company.
Home health care is medical care ordered by a doctor, such as skilled nursing, wound care, physical therapy or help after a hospital stay.
It may be a good fit when
- Your loved one wants to stay in their own home
- They need help with a few daily tasks but not constant supervision
- You are a family caregiver who needs a break
- They are coming home from the hospital or rehab
- They feel lonely or isolated during the day
What does home care cost?
Home care is usually billed by the hour, and rates depend a lot on your state and how many hours you need. Many agencies have a minimum visit of three or four hours.
Paying privately
Most non medical home care is paid out of pocket. Ask agencies about hourly rates, minimum hours and holiday pricing.
Medicare and Medicaid
Medicare may cover part time home health care when a doctor orders it. Many state Medicaid programs offer waivers for in home help.
Insurance and VA benefits
Long term care insurance often covers home care. Veterans and surviving spouses may qualify for VA Aid and Attendance.
Questions worth asking
Print this list or keep it on your phone when you call or visit. Good providers are happy to answer every one.
- Are your caregivers employees of the agency or independent contractors?
- How do you screen, train and supervise caregivers?
- What happens if our regular caregiver is sick?
- Can we meet the caregiver before care starts?
- Is there a minimum number of hours per visit or per week?
- How do you handle changes in care needs?
- Are you licensed, bonded and insured in this state?
Ready to compare home care options?
Search providers in your area, or let us help you narrow it down for free.
Home Care: what families ask
What is the difference between home care and home health?
Home care helps with daily living, like bathing, meals and companionship. Home health is medical care ordered by a doctor, like nursing or therapy. Medicare may pay for home health, but it does not pay for ongoing non medical home care.
Can home care be available 24 hours a day?
Yes. Many agencies offer live in care or round the clock shifts. It costs more than part time help, so compare it with assisted living if your loved one needs care all day.
How fast can home care start?
Many agencies can start within a few days, and some can help within 24 hours. Having a list of needs, medications and the schedule you want speeds things up.