The 10 Best Home Care Agencies for Seniors in Milford, DE 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 Milford, DE, residents and their loved ones rate In Home Care agencies across the 16 options below.

According to the 2021 Genworth Cost of Care Survey, seniors living in Milford pay around $5,339 per month for nonmedical home care services. This is $382 more than the national average but on par with the average for Delaware. It's also close to the $5,329 monthly average for Philadelphia and is $382 more than seniors can expect to pay in Salisbury, MD. However, when comparing costs in Milford to those of Ocean City, NJ, Milford is the more affordable choice, saving seniors an average of $190 per month.

Nonmedical home care in Milford costs an average of $5,339 per month. The cost of home health care, which is provided by licensed nurses and therapists, averages the same. Seniors opting for assisted living can expect to pay $734 per month more than those receiving in-home care, but they may save money when factoring in housing and food costs in addition to home care. The most affordable senior care option in Milford is adult day health care, averaging $1,343 per month, and the most expensive is nursing home care at $12,653.

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.