The 10 Best Home Care Agencies for Seniors in Villa Rica, 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 Villa Rica, GA, residents and their loved ones rate In Home Care agencies 4.6 out of 5 stars across the 32 options below.

The results of the 2021 Genworth Cost of Care Survey show the median monthly fee for home care in Villa Rica to be $4,290. This is based on 44 hours worked per week. It's equal to Georgia's median fee and below the national average by $667 per month. Villa Rica is the more affordable option when compared to other cities in the region. Its seniors save $238 per month when compared to their peers in Athens, $286 with Rome and $858 with Gainesville. An exception is Macon, whose seniors save $477 when compared to Villa Rica.

Home care costs around $4,290 per month in Villa Rica, while home health care adds another $286 for basic medical care from licensed nurses and therapists. Adult day health care is more affordable, at $1,327, but will require the senior to make regular trips to the center. Assisted living is also cheaper, at $3,845, but the senior will have to relocate to a community. A nursing home semiprivate room costs around $7,528, which reflects the 24/7 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 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.