The 10 Best Home Care Agencies for Seniors in North Palm Beach, 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 North Palm Beach, FL, residents and their loved ones rate In Home Care agencies 4.2 out of 5 stars across the 63 options below.

The average cost of home care in North Palm Beach, Florida, according to the 2021 Genworth Financial survey, is around 2% lower than the national average of $4,767 per month. It’s also just over $100 lower than the Florida average. Nearby cities, for the most part, are close in cost for home care to North Palm Beach. For example, Sebastian’s average is $400 higher and Orlando’s is $100 higher, while Lakeland’s fees are $100 lower. The cheapest average cost for home care in a city near North Palm Beach can be found in Miami, which averages almost $500 less.

A range of care choices for seniors is available in North Palm Beach, Florida, and the option you choose will depend on the senior’s needs and available budget. Adult day health care is the cheapest option, costing an average of $1,517 per month. It’s a big jump from there to the cost of assisted living, which comes in at $3,763. Home care is available for a median price of $4,671 and home health care, which also includes some medical care, including physical therapy and skilled nursing care as required, is a little more expensive at $4,767. Finally, nursing home care is the most expensive option at $8,164 for a semiprivate room.

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.