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The 10 Best Home Care Agencies for Seniors in Homestead, 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 Homestead, FL, residents and their loved ones rate In Home Care agencies across the 22 options below.
Home Care Services in Homestead, Florida
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Paying for Home Care in Homestead, FL
The Cost of Home Care in Homestead, FL
Home care prices in Homestead are competitive when compared to other communities in South Florida according to data from Genworth’s 2021 Cost of Care Survey. Statewide, home care costs $4,767 per month, and nationally, the average is $4,957. Prices in Port St. Lucie are about $475 higher. Seniors in Sebring pay $572 more, and the average in Cape Coral is about $1,000 higher. In Naples, home care costs over $1,500 more per month.
Homestead
$4,195
Florida
$4,767
United States
$4,957
Naples
$5,720
Port St. Lucie
$4,671
Cape Coral/Fort Myers
$5,196
Sebring
$4,767
The Cost of Home Care vs. Other Senior Care Options in Homestead, FL
In-home care in Homestead starts at $4,195 per month for nonmedical services, which makes it one of the most affordable options. Home health care, including physical therapy and breathing treatments, costs $190 more per month, assuming 44 hours of weekly care. Assisted living has the same median price as home health care at $4,385. However, skilled nursing costs more than twice as much as in-home care at $9,019 per month. On the other hand, daytime health care is available for just $1,517 per month.
Home Care
$4,195
Home Health Care
$4,385
Adult Day Health Care
$1,517
Assisted Living Facility
$4,385
Nursing Home Facility (semiprivate room)
$9,019
Note: Data for Homestead was not available, so data for the nearest city, Miami, was used instead.
Financial Assistance for Home Care in Homestead, 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 Homestead, FL
Home care services are only one of the pieces needed for seniors to gracefully age in place. There are Florida is a haven for retirees, so numerous resources are available for seniors in Homestead. The following agencies and programs provide free and low-cost services to help seniors age in place and maintain a higher quality of life.
| Resource | Contact | Service |
|---|---|---|
| Alliance for Aging | (305) 670-6500 | The Alliance for Aging is the Area Agency on Aging for seniors, caregivers and disabled adults in Homestead and surrounding communities. It provides information about in-home care, Medicare, healthy aging, legal advice and utility bill assistance for elderly residents. |
| Miami-Dade County Special Transportation Service | (786) 469-5000 | The county's Special Transportation Service provides low-cost shared rides to individuals who are unable to use conventional transit lines. Door-to-door rides are available 24 hours a day for $3.50 per trip. A doctor's authorization is required as part of the application. |
| Miami-Dade County Senior Link Program | (305) 887-4140 | Community Coalition's Senior Link Program is a referral and case management service that provides short-term assistance to help seniors age in place. It performs multifunctional assessments to determine which supports are needed. Case managers can help residents access transportation, meals, health care, affordable housing and financial assistance. |
| Sunshine for All | (305) 285-3217 | This nonprofit group provides social services to benefit the county's seniors and vulnerable residents. It offers Meals on Wheels, in-home care, companionship and short-term housing assistance, including help with rent or mortgage payments and utility bills. |
| Miami-Dade County Light Bill Assistance | (786) 469-4640 | The county offers several financial assistance programs to families who are struggling to pay their utility bills. Help is available through LIHEAP and Florida Power & Light's Care to Share Program. The Energy Assistance Program focuses on helping low-income residents ages 60 and older. |
| Miami-Dade Senior Citizen Tax Exemptions | (305) 375-4712 | Senior homeowners aged 65 or older are eligible for an additional $50,000 tax exemption on the assessed value of their primary residence. The county also offers a long-term resident tax credit for seniors who have lived in their current home for at least 25 years. |
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 – often times 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.
