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

Marco Island has the same care costs as Naples, as it’s just south of it. At $5,720 per month, home care in Marco Island is over $700 more expensive than in the average American city. It’s also around $950 higher than the state median, making it the most expensive city for care in Florida. Punta Gorda and Port Saint Lucie are about $1,000 cheaper than Marco Island, while Miami is an even more affordable option at $4,195. Cape Coral has slightly higher rates, though it’s still about $524 less expensive than Marco Island.

Seniors and their families have other options to consider that may better suit their needs and budgets. Although home health care includes light medical assistance, it’s about $140 less than home care. Assisted living is more affordable than both home care and home health care, though it requires individuals to relocate to a senior living community. Those with more complex medical needs may benefit from nursing home care, which offers 24/7 supervision and skilled nursing for $9,277 per month.

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.