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The 10 Best Home Care Agencies for Seniors in Palmetto, 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 Palmetto, FL, residents and their loved ones rate In Home Care agencies across the 36 options below.

Home Care Services in Palmetto, Florida

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Paying for Home Care in Palmetto, FL

The Cost of Home Care in Palmetto, FL

The city's monthly cost of home care is higher than the state and national averages by roughly $750 and $1,000, respectively. Cape Coral, which is located south of the city, is $524 per month cheaper, but moving north to the cities of Tampa and Lakeland, home care prices are much more affordable at $953 and $1,144 less per month, respectively. 

Palmetto

$5,720

Florida

$4,767

United States

$4,957

Cape Coral

$5,196

Tampa

$4,767

Lakeland

$4,576

The Cost of Home Care vs. Other Senior Care Options in Palmetto, FL

For simple assistance with the activities of daily living, area home care costs an average of $5,720. Home health care, which includes some medical assistance, costs around the same amount. Out-of-home adult day health care is the cheapest option, costing $3,640 less per month, and assisted living is $1,575 cheaper. Residential nursing home care is the most expensive alternative in the area, with a semiprivate room costing $3,770 more and a private room averaging $4,895 more per month. 

Home Care

$5,720

Home Health Care

$5,720

Adult Day Health Care

$2,080

Assisted Living

$4,145

Nursing Home Facility (semiprivate room)

$9,490

Note: Data for Palmetto, FL was unavailable, so data for the North Port area was used instead.

Financial Assistance for Home Care in Palmetto, 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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Frequently Asked Questions

In-home care agencies provide many services that vary depending on individual needs. Seniors who are isolated due to illness or mobility issues may look for aides whose main focus is on providing companionship and light assistance. Traditional care aides assist seniors with the activities of daily living, such as bathing, grooming and dressing, and they also do household chores and either prepare meals or arrange for them to be delivered. They also provide transportation to medical appointments and ensure necessary errands are done.