The 10 Best Home Care Agencies for Seniors in Zephyrhills, 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 Zephyrhills, FL, residents and their loved ones rate In Home Care agencies 4.8 out of 5 stars across the 30 options below.

According to Genworth’s 2021 Cost of Care Survey, Zephyrhills shares Florida’s median monthly home care fee of $4,767, which is more affordable than the national average of $4,957, so seniors relocating to the city from other states may find it cost-effective, depending on their state of origin. The city is also less costly than some nearby cities, such as North Port, where the average is $5,720. However, there are notable exceptions, such as nearby Lakeland, where the median fee is lower, at $4,576, and further north in Homosassa Springs, where it’s $4,273, saving almost $500 per month.

Zephyrhills’ average senior receiving home care services pays $4,767 per month for assistance with activities of daily living. Those requiring medical care from licensed nurses and therapists pay an additional $95. Home care is less costly than nursing home care by about $4,160 per month, but the latter is a medical service, so they can’t be directly compared. Assisted living and adult day care are relatively similar, the former saving seniors about $1,417, and the latter, $2,644.

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.