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

The cost of home care in Wahiawa is in line with the Hawaii average of $5,720, according to the Genworth 2021 Cost of Care Survey. However, it is slightly above the national average of $4,957 per month. Seniors in Kahului pay slightly less, averaging $5,291 per month. Fees in Santa Maria and Santa Cruz, near the California coast, are around $1,000 per month more than those in Wahiawa.

Home care is one of the more costly care options, averaging around $345 per month more than an assisted living facility, and more than $4,000 above the cost of adult day health care.  Many home care providers charge similar fees to home health care providers who offer similar help with the activities of daily living, plus some skilled nursing services. The most costly care option, however, is nursing home care, due to the 24-hour skilled care services provided. A semiprivate room and round-the-clock supervision in a nursing home typically costs $12,471, which is more than twice the amount seniors would pay for home care services.

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.