The 10 Best Home Care Agencies for Seniors in Brooksville, FL 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 Brooksville, FL, residents and their loved ones rate In Home Care agencies across the 17 options below.

In Brooksville, seniors pay more than $5,700 per month for in-home care. This cost is higher than both the Florida state average and the national average, amounting to $950 more and $760 more, respectively. The cost for home care in Brooksville is also more expensive than it is in any of the surrounding cities, an amount that is about $950 higher than its southern neighbor Tampa, $1,100 higher than Lakeland and Ocala, and nearly $1,450 higher than Homosassa Springs.  

The cost of home care for Brooksville seniors averages $5,720 per month, which is the same as that of home health care, a form of home-based care that includes the administration of medical treatments and therapies by registered nurses or other health professionals. In-home care is nearly $4,000 per month more than adult day health care in the area and approximately $500 more per month than assisted living services. Seniors who need more medical supervision and care than they can receive at home might find the need to enter the care of a nursing home. These seniors will pay almost $8,700 per month for a semi-private room in a nursing home, almost $3,000 more per month than they would for in-home 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.