The 10 Best Home Care Agencies for Seniors in Spring Hill, 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 Spring Hill, FL, residents and their loved ones rate In Home Care agencies 4.8 out of 5 stars across the 34 options below.

According to Genworth's Cost of Care Survey, Home care costs in Spring Hill run an average of $4,767 per month, which is on par with the Florida state average but slightly lower than the U.S. norm of $4,957. Other Florida cities show varying costs. Some are more economical than Spring Hill, including Miami where rates average $572 less. Care is also cheaper in Gainesville, averaging $286 less than in Spring Hill. But other cities have higher prices. Cape Coral’s costs are 9% higher than Spring Hill's while Naples’ prices are 20% more.

Home care is among the higher-priced senior care options in Spring Hill. Local prices average $4,767 per month while home health care, which includes medical services provided by nurses and therapists, is a little more expensive at $4,862. Alternatively, older adults can save money by moving into an assisted living community where costs run about $3,350 per month. Adult day health care is cheaper at $2,123, but it doesn't include housing costs and may not be appropriate for some seniors. Nursing home care is most expensive at $8,927 per month because of its comprehensive services and 24/7 medical monitoring.

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.