The 10 Best Home Care Agencies for Seniors in Wesley Chapel, 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 Wesley Chapel, FL, residents and their loved ones rate In Home Care agencies 4.0 out of 5 stars across the 25 options below.

As part of the Tampa Bay Metropolitan Area, Wesley Chapel has the same care costs. This means that the average cost of home care is $4,767 per month, which is right in-line with the statewide median and almost $200 lower than the U.S. national average. These rates are the same as Orlando and around $1,000 less expensive than nearby cities, such as North Port and The Villages, where costs average $5,720. Budget-conscious seniors can expect to find slightly less expensive rates in the Lakeland area, where costs average $4,576 per month.

Seniors have several other options to consider when planning for long-term care. Those who only require part-time assistance may be good candidates for adult day health care — the most affordable option at $2,123. Assisted living will also save seniors around $1,400 to $1,500 per month compared to in-home care and the light medical services provided by home health care. Individuals with more complex care needs can access nursing home care, where rates start at $8,927 for semiprivate rooms.

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.