The 10 Best Home Care Agencies for Seniors in Wheat Ridge, CO for 2025

Home health care costs in Wheat Ridge are higher than the state average by nearly $300 and substantially higher than the national average by over $1,800. Costs in Wheat Ridge are also higher than in most of its neighboring cities in Colorado, including Colorado Springs and Greeley, which are located to the south of the city. It is also higher than the cities of Santa Fe and Albuquerque to the south in New Mexico. 

In-home care includes help with daily activities of living such as cleaning and meal preparation. It is about $100 cheaper than home health care, which is another option for those who want to stay in their homes but require aid with medical tasks such as medication administration and health checks. In-home care costs about $1,200 more than assisted living but is still more affordable than nursing home care in Wheat Ridge. Nursing care, which provides the highest level of service, is approximately $1,900 more than home care. Adult day care costs significantly less but requires the arrangement of transportation and may not include specific medical care.

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.