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READ MOREThe 10 Best Home Care Agencies for Seniors in Haines City, FL for 2025
Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Haines City, FL, residents and their loved ones rate In Home Care agencies across the 21 options below.
What you can do with Caring
On this page:
- Home Care Services in Haines City, Florida
- Paying for Home Care in Haines City, FL
- Financial Assistance for Home Care in Haines City, FL
- Free & Low-Cost Home Care Resources in Haines City, FL
- Determining Your Loved One’s Need for In-Home Care
- Guidelines for Talking About In-Home Care
- Frequently Asked Questions
Paying for Home Care in Haines City, FL
The Cost of Home Care in Haines City, FL
According to the Genworth 2020 Cost of Care Survey, home care in Haines City costs an average of $3,956 per month, which is under the Florida-wide average of $4,195 and the national average of $4,481. In nearby Orlando, home care costs slightly less at $3,813 per month. Seniors in neighboring Sebring pay an average of $4,099 per month for home care, while the same type of care costs about $4,195 per month in Tampa.
Haines City
$3,956
Florida
$4,195
United States
$4,481
Tampa
$4,195
Orlando
$3,813
Sebring
$4,099
The Cost of Home Care vs. Other Senior Care Options in Haines City, FL
At an average monthly rate of $3,956, Haines City’s home care rates are comparable to the area’s average assisted living rate of $3,945. Adult day health services cost an average of $1,083 per month, while a semiprivate room in a skilled nursing facility costs around $8,638 per month.
Home Care
$3,956
Home Health Care
$4,195
Adult Day Health
$1,083
Assisted Living
$3,945
Nursing Home Care (semi-private room)
$8,638
Note: Data for Haines City was unavailable, so data for the nearest city, Lakeland, was used instead.
Financial Assistance for Home Care in Haines City, FL
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 Haines City, FL
Seniors who plan to spend their retirement years in their Haines City home can access free and low-cost services through a number of government and nonprofit agencies. These services include home-delivered meals, barrier-free transportation and assistance for veterans and their dependents.
| Resource | Contact | Service |
|---|---|---|
| Meals on Wheels of Polk County | (863) 299-1616 | Meals on Wheels of Polk County provides housebound seniors aged 60 and older with low-cost home-delivered noontime meals on weekdays. Each meal consists of a protein, vegetables, fruits, dessert, a roll and milk or juice, and extra frozen heat-and-serve meals are available for the weekends. When volunteer drivers deliver a meal, they also take a moment to conduct an informal wellness check on each Meals on Wheels participant. |
| Citrus Connection | (855) 765-5287 | Citrus Connection is the regional public transit service for Polk County, and seniors aged 65 and older qualify for half-price fares. All Citrus Connection buses are equipped with a wheelchair lift and kneeling feature to reduce the loading height between the street and the bus. Riders who cannot use the regular fixed-route bus service due to a qualifying disability can apply to use Citrus Connection paratransit, an on-demand, door-to-door public transit service. |
| Polk County Veteran Services | (863) 534-5200 | Polk County Veteran Services helps veterans and their dependents navigate the VA's administrative system, obtain service records and apply for county- and state-sponsored veterans' benefits that can help with the cost of in-home care. |
| Senior Connection Center Inc. | (800) 963-5337 | Senior Connection Center is a nonprofit organization that offers a wide range of services to support seniors aged 60 and older. As the regional Area Agency on Aging for Polk County, the center helps Haines City seniors locate in-home care, navigate the Medicare and Medicaid systems and access local resources designed to help seniors safely age in place. |
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.
