The 5 Best Home Care Agencies for Seniors in Wetumpka, AL for 2024
Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Wetumpka, AL, residents and their loved ones rate In Home Care agencies across the 8 options below.
Home Care Services in Wetumpka, Alabama
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Paying for Home Care in Wetumpka, AL
The Cost of Home Care in Wetumpka, AL
Using figures from Genworth Financial’s 2021 Cost of Care Survey, Wetumpka residents can expect to pay below the national average of $4,597 for home care. The local average is $930 less than the national average and $146 below the state average, making Wetumpka an affordable option for seniors that require home care. Home care costs in nearby cities are higher than in Wetumpka but are still under the national average. For instance, Birmingham residents pay over $4,200 a month, and Dothan residents pay $4,004 per month. The closest cost is around $3,500 monthly in Auburn, a 4% difference from Wetumpka.
Wetumpka
$4,597
Alabama
$3,813
The United States
$4,957
Dothan
$4,004
Auburn
$3,527
Birmingham
$4,242
The Cost of Home Care vs. Other Senior Care Options in Wetumpka, AL
Wetumpka offers multiple levels of senior care services to accommodate individual requirements and personal preferences. Nonresidential adult day health care costs an average of $542 per month, an affordable option compared to the average home care cost of $3,667 per month. Seniors with medical conditions that need daily care can expect the same price for home health care as they do standard home care. Assisted living prices are comparable at $3,500 monthly. Dedicated nursing homes with semiprivate rooms in the area average $6,509 a month, nearly $3,000 more than home care.
Home Care
$3,667
Home Health Care
$3,667
Adult Day Health Care
$542
Assisted Living Facility
$3,500
Nursing Home Facility (semiprivate room)
$6,509
Note: Data for Wetumpka was unavailable, so data for the nearest city, Montgomery, was used instead.
Financial Assistance for Home Care in Wetumpka, AL
Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.
- Long-Term Care Insurance: Long-Term Care Insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
- Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
- Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
- Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living.Contact the Department of Veterans Affairs to learn more.
- Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.
Free & Low-Cost Home Care Resources in Wetumpka, AL
Wetumpka senior residents have access to resources through Elmore County assistance programs. Each program addresses different needs such as financial assistance for utilities, transportation, home maintenance and food provisions. Currently, residents can learn more about and sign up for the following programs.
Resource | Contact | Service |
---|---|---|
Wetumpka Senior Center | (334) 567-0476 | The Wetumpka Senior Center at Cedarwood Community Church provides older adults with access to transportation to nursing homes and appointments. Seniors can also enjoy playing games, signing up for adventures together, checking on loved ones online, playing music and exercising on-site to help stay in shape. |
Alabama Weatherization Assistance Program | (334) 242-4909 | The Alabama Weatherization Program works with residents to reduce the cost of heating and cooling their Wetumpka homes. Services the program assists with include window and door repair, installing insulation, minor roof repairs, and sealing any cracks exposing the home to weather conditions or pests. The program is administered by the Alabama Department of Economic and Community Affairs. |
Alabama Low-Income Home Energy Assistance Program | (205) 287-0139 | The Low-Income High Energy Assistance Program was created to assist people, including seniors, in paying home energy bills. The U.S. Department of Health and Human Services pays for this federal program. |
Determining Your Loved One’s Need for In-Home Care
Aging can be a difficult process, and loved ones may not always ask for help – oftentimes it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.
Guidelines for Talking About In-Home Care
If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.