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The 10 Best Home Care Agencies for Seniors in Evergreen, CO 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 Evergreen, CO, residents and their loved ones rate In Home Care agencies across the 23 options below.
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Paying for Home Care in Evergreen, CO
The Cost of Home Care in Evergreen, CO
Seniors in Evergreen pay $6,769 per month for home care, making it a relatively expensive place to obtain this type of care. Local care costs exceed the state median of $6,387 and the national average of $4,957. Seniors in Fort Collins pay competitive monthly rates at $6,101. In Colorado Springs, care costs average $5,768, and in Grand Junction, monthly fees are closer to the national median at $5,434.
Evergreen
$6,769
Colorado
$6,387
The United States
$4,957
Colorado Springs
$5,768
Grand Junction
$5,434
Fort Collins
$6,101
The Cost of Home Care vs. Other Senior Care Options in Evergreen, CO
Home care agencies in Evergreen charge $6,769 per month for services, and home health care agencies, which provide specialized services, charge slightly higher rates of $6,864. Home-based care is an affordable alternative to nursing home placement, which costs $8,669 per month for semiprivate accommodations. Assisted living is more economically priced at $5,500 per month, and adult day health care is the cheapest option at $2,275.
Home Care
$6,769
Home Health Aide
$6,864
Adult Day Health Care
$2,275
Assisted Living Facility
$5,500
Nursing Home Facility (semiprivate room)
$8,669
Note: Data for Evergreen was unavailable, so data for the nearest city, Denver, was used instead.
Financial Assistance for Home Care in Evergreen, CO
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 Evergreen, CO
In Evergreen, there are several nonprofit agencies that help older adults obtain affordable care. The following resource table highlights services available to older adults in the region to help them age in place.
| Resource | Contact | Service |
|---|---|---|
| Meals on Wheels | (303) 294-0111 | Meals on Wheels is a nonprofit program that provides home-delivered meals to older adults in the Denver metro area. Each meal provides a third of seniors' daily nutritional needs and is low in fat and cholesterol. To be eligible for this service, applicants must be at least 60 years old, and they must be unable to shop for or prepare meals themselves due to age or disability. |
| Jefferson County Aging & Adult Services | (303) 271-1388 | Jefferson County Aging & Adult Services is operated by the Human Services department and provides valuable information and services to Evergreen residents aged 60 and over. Through its Home Care Allowance program, it provides cash assistance to qualified individuals who need help paying for in-home care. The division also has an up-to-date database of age-friendly resources in the region, including transportation providers, housing assistance, support for caregivers and health and wellness services. |
| Area Agency on Aging | (303) 480-6700 | The Area Agency on Aging provides comprehensive services to those aged 60 and over in the Evergreen region. It has information and referral specialists who help older adults find community-based services, and it operates senior centers throughout the region where members obtain social services, congregate meals and health and wellness services. It also provides case management, transportation for medical appointments and help with age-related civil legal matters. |
| The Action Center | (303) 237-7704 | The Action Center is a nonprofit organization that helps area seniors maintain their financial stability and quality of life. It distributes free grocery boxes and clothes. The center also has a utility bill pay assistance program and a rent or mortgage assistance program, which may help older adults afford living expenses. |
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.
