The 10 Best Home Care Agencies for Seniors in Ewa Beach, HI 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 Ewa Beach, HI, residents and their loved ones rate In Home Care agencies across the 12 options below.

According to Genworth Financial’s Cost of Care Survey for 2020, the average price for in-home care in Ewa Beach is $5,125 per month. This is about $200 less than the average for the state of Hawaii but about $700 more than the average for the United States as a whole. Cost data is only available for one other city in Hawaii, Kahalui on the island of Maui. There the average monthly price for in-home care is $5,720.

Cost data shows that, in Ewa Beach, the average price of in-home care is $5,125 per month, and the average cost of home health care is $5,411 per month. Families can expect to pay a bit more for home health care due to the light medical services it provides. Assisted living, which has a median price of $5,000 per month, is a more affordable option for seniors who are satisfied living in a community setting. Adult day health care is the least expensive option in Ewa Beach, and nursing home care is the most expensive. 

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.