The 10 Best Home Care Agencies for Seniors in Palm Beach County, 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 Palm Beach County, FL, residents and their loved ones rate In Home Care agencies 4.8 out of 5 stars across the 100 options below.

Cities in Palm Beach County cost an average of $4,671 per month for home care according to the 2021 Genworth Cost of Care Survey, which is about $100 lower than the Florida state average and over $280 lower than the national average. It’s also quite affordable compared to neighboring regions such as the Sebastian area, where home care costs $5,100 per month, and Naples, where costs are almost $1,000 higher than in Palm Beach County. Miami is the most affordable nearby option, with lower rates around $475 less per month.

For seniors who only require part-time assistance, adult day care is less than one-third of the cost of home care. Assisted living facilities cost about $900 less per month than home care and allow seniors to live in a social environment. As home health care includes skilled nursing services, they are about $100 more expensive per month. Nursing homes are a good option for individuals who require 24/7 supervision, though costs are nearly $3,500 higher.

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.