The 10 Best Home Care Agencies for Seniors in Sugar Hill, GA 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 Sugar Hill, GA, residents and their loved ones rate In Home Care agencies across the 100 options below.

Sugar Hill’s median monthly fee for home care of $5,148 is above the state and national averages, according to Genworth’s Cost of Care Survey. The typical Georgian saves $858 per month when compared to their equivalent in Sugar Hill, while the typical American saves $191. Comparisons with nearby cities also find their typical seniors pay less for home care. For example, Atlanta’s seniors can save $858, Rome’s, $572 and in Athens, $620. Even greater savings can be found further south, such as in Macon, where it’s possible for seniors to retain $1,335 per month when compared to Sugar Hill.

At $5,148 per month for nonmedical care, home care is costlier than assisted living, which averages $3,893 per month. However, the latter requires the senior to move to unfamiliar surroundings, which isn’t for everyone. Home health care costs the same as home care, though the former provides medical care from licensed nurses and therapists, while home care is only nonmedical support. Nursing home care’s costlier median of $5,855 reflects the high level of medical care provided.

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.