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The 10 Best Home Care Agencies for Seniors in Algonquin, IL 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 Algonquin, IL, residents and their loved ones rate In Home Care agencies across the 25 options below.

Home Care Services in Algonquin, Illinois

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Paying for Home Care in Algonquin, IL

The 2021 Genworth Cost of Care Survey averages home care prices in Algonquin to $5,672 per month. Home care in the area is in a higher price bracket than the respective state and national medians of $5,339 and $4,957.

The Cost of Home Care in Algonquin, IL

Costs for home care in Rockford are similar to Algonquin but slightly lower. Southeast, in the city of Kankakee home care providers charge over $1,000 less than in Algonquin while in southeastern Peoria the median rate of $5,053 is substantially lower. However, further south, in Danville, senior home care costs rise to $8,818. 

Algonquin

$5,672

Illinois

$5,339

The United States

$4,957

Rockford

$5,625

Kankakee

$4,623

Peoria

$5,053

Danville

$8,818

The Cost of Home Care vs. Other Senior Care Options in Algonquin, IL

The lowest-priced type of senior care available in Algonquin is adult day health care, at a median monthly rate of $1,842. Home health care includes some medical services and it costs around $48 more than home care. Both nursing homes and assisted living communities are residential facilities, which in Algonquin cost $6,996 and $4,825, respectively. 

Home Care

$5,672

Home Health Care

$5,720

Adult Day Health Care

$1,842

Assisted Living Facility

$4,825

Nursing Home Facility (semiprivate room)

$6,996

Financial Assistance for Home Care in Algonquin, IL

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.

Free & Low-Cost Home Care Resources in Algonquin, IL

Several nonprofit and government agencies serve Algonquin. The available programs respond to the specific needs of seniors in the area. These resources are created to help older adults continue living in their community and to avoid unnecessary institutionalization. 

ResourceContactService
Senior Services Associates(800) 942-1724This nonprofit covers a comprehensive list of services to help seniors in Algonquin. Older adults can contact the information and assistance line for advice about services available to them, care management and assistance with the cost of needed home repairs. Other services include the friendly visitors program, created to ensure older adults are safely living independently.
Senior Health Insurance Program(800) 252-8966SHIP is a statewide initiative that helps Medicare beneficiaries make the most of their medical insurance. SHIP counselors provide free and unbiased advice on common topics such as Medicare enrollment, Medicare part D and Medicare drug coverage.
Energy Assistance(815) 338-7752 ext. 237The McHenry County Housing Authority can help low-income seniors afford the cost of their energy bills. Applicants may qualify for the Low Income Home Energy Assistance Program and the Weatherization program. These programs are overseen by the state, and eligibility is calculated based on household income.
Kane Senior Council Meals on Wheels(630) 338-0999Older adults can have their nutritional needs met with the help of the meals on wheels program. The Kane Senior Council charity offers this service to individuals aged 60 and older in Algonquin. Meals are nutritionist-approved and can accommodate some dietary restrictions.
Older Adults Legal Helpline(888) 965-7757Age Guide of Northern Illinois operates this free legal advice line for seniors aged 60 and over. Callers can discuss matters with volunteer lawyers or paralegals including health care topics, housing issues and financial concerns.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – oftentimes it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

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Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Frequently Asked Questions

In Home Care near Algonquin, IL

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Other Options in Algonquin, IL

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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