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The 10 Best Home Care Agencies for Seniors in Valrico, 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 Valrico, FL, residents and their loved ones rate In Home Care agencies across the 41 options below.
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Paying for Home Care in Valrico, FL
The Cost of Home Care in Valrico, FL
The average cost of home care in Valrico is $4,767 per month, according to the Genworth Cost of Care Survey for 2021. This matches the median price of home care for the state of Florida overall, which is about $190 less than the national average. Further south along the Gulf Shore, Cape Coral has an average rate of $5,196. The Villages, to the north, is even more expensive at $5,720. Miami ($4,195) has some of the least expensive home care prices in the state. In Gainesville, the average cost is $4,481.
Valrico
$4,767
Florida
$4,767
The United States
$4,957
Miami
$4,195
Cape Coral
$5,196
The Villages
$5,720
Gainesville
$4,481
The Cost of Home Care vs. Other Senior Care Options in Valrico, FL
Compared to other types of senior care in Valrico, home care costs are middle of the road. Home health care, which offers some light medical services, is a bit more expensive at $4,862. Adult day health care is significantly less expensive with a median price of $2,123 per month. Assisted living is also a more affordable option at $3,350. Due to the high level of supervision and medical care, nursing homes ($8,927) have the most expensive rates in the city.
Home Care
$4,767
Home Health Care
$4,862
Adult Day Health Care
$2,123
Assisted Living Facility
$3,350
Nursing Home Facility (semiprivate room)
$8,927
Note: Data for Valrico was unavailable, so data for the nearest city, Tampa, was used instead.
Financial Assistance for Home Care in Valrico, 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 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.
Free & Low-Cost Home Care Resources in Valrico, FL
Valrico seniors and families have access to several programs and resources that make aging in place easier and more affordable. These resources are provided by state and county governments at no cost to the beneficiary.Â
| Resource | Contact | Service |
|---|---|---|
| Senior Citizen Trash Discount | 813-272-5680 | Senior citizens in Valrico are eligible for discounted fees on waste disposal provided by Hillsborough County. Discounts affect disposal, collection, car and special curbside pickup fees. To be eligible, you must be at least aged 65 and the owner and occupant of the property receiving the discount. If you also own an accessory dwelling that's no larger than 900 square feet, you may be eligible for a discount on that property's waste disposal if the occupant is disabled. |
| Senior In-Home Services | 813-272-5250 | Seniors who live in their own homes in Valrico may be eligible to receive a variety of in-home services from Hillsborough County. These include companionship, home-delivered meals, personal care, homemaking assistance, consumable medical supplies and emergency alert response devices. The county can also provide free respite for family caregivers. The services provided are determined by a case manager who performs an in-home assessment. |
| Free Caregiver Support Program | 813-676-5553 | The Senior Care Center runs the Tailored Caregiver Assessment and Referral System Program (TCARE), which promotes aging in place for seniors in Valrico. It does this by creating plans for caregivers so that they can improve their effectiveness and decrease their levels of stress. TCARE also connects family caregivers with the resources they need to have long-term success. |
| Emergency Home Energy Assistance Program | 813-272-5220 | If a utility company is threatening to cut off electricity to your home in Valrico, you may qualify for emergency assistance from Hillsborough County. You must be at least 60 years old, a U.S. citizen or legal resident and earn less than 150% of the federal poverty guidelines to be eligible. You can apply for this program by scheduling an appointment with the Plant City Community Resource Center. |
Determining Your Loved One’s Need for In-Home Care
Aging can be a difficult process, and loved ones may not always ask for help – oftentimes it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.
Guidelines for Talking About In-Home Care
If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.
