The 10 Best Home Care Agencies for Seniors in Plant City, 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 Plant City, FL, residents and their loved ones rate In Home Care agencies 5.0 out of 5 stars across the 42 options below.

According to the Genworth 2021 Cost of Care Survey, home care clients in Plant City pay approximately $4,767 per month for nonmedical care. This is equal to Florida’s norm and about $200 below the national average. Seniors in nearby cities, such as Lakeland and Homosassa Springs, pay less for full-time care, with respective monthly rates in these communities coming in at $4,576 and $4,273. However, local care costs are economical compared to rates in Cape Coral, where agencies charge $5,196 for services, and The Villages, where home care costs average $5,720.

Seniors in Plant City pay $4,767 per month for nonmedical in-home care. This is about $100 less than the cost of home health care, which includes skilled nursing services, and it’s well below the cost of nursing home care, which averages $8,927 per month. Assisted living rates come in at $3,350, offering significant monthly savings for some seniors, and adult day health care is available for about half the cost of private home care at $2,123.

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.