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The 10 Best Home Care Agencies for Seniors in Crystal Lake, 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 Crystal Lake, IL, residents and their loved ones rate In Home Care agencies 4.8 out of 5 stars across the 31 options below.

Home Care Services in Crystal Lake, Illinois

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On this page:

  • Home Care Services in Crystal Lake, Illinois
  • Paying for Home Care in Crystal Lake, IL
  • Financial Assistance for Home Care in Crystal Lake, IL
  • Crystal Lake Home Care Resources
  • Determining Your Loved One’s Need for In-Home Care
  • Guidelines for Talking About In-Home Care

Paying for Home Care in Crystal Lake, IL

The Cost of Home Care in Crystal Lake, IL

The Genworth 2021 Cost of Care Survey, which bases home care costs in Crystal Lake on rates in nearby Chicago, shows that local seniors pay $5,672 for in-home care. This is several hundred dollars higher than the state norm and about $700 higher than the national average. In Kankakee and Bloomington, home care agencies charge considerably less. Kankakee is $524 less expensive per month and Bloomington is $619 less per month. In Danville, monthly care costs are over $3,000 more expensive than Crystal Lake. 

Crystal Lake

$5,672

Illinois

$5,339

The United States

$4,957

Kankakee

$5,148

Bloomington

$5,053

Danville

$8,818

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

Crystal Lake seniors pay approximately $5,672 monthly for in-home care, which includes nonmedical supportive services. This is about $850 higher than assisted living costs and about three times the cost of adult day care. Seniors pay about $50 more for home health care, which differs from home care in that it includes skilled nursing and some medical care. Nursing home care is the costliest, at over $1,300 more per month than home care.

Home Care

$5,672

Home Health Care

$5,720

Adult Day Health Care

$1,842

Assisted Living

$4,825

Nursing Home Care (semiprivate room)

$6,996

Note: Data for Crystal Lake was not available, so data for the nearest city, Chicago, was used instead.

Financial Assistance for Home Care in Crystal Lake, 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.

Crystal Lake Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Crystal Lake:

ResourceContactAddressService
Grand Oaks Senior Center(815) 459-06801401 IL-176, Crystal Lake, IL 60014The Grand Oaks Recreation Center hosts a number of activities for the whole community as well as being the site of the Grand Oaks Senior Center. Several rooms in the building are dedicated to the senior center, including an arts and crafts room, lounge area and games room. The center hosts a variety of activities for seniors and most of these activities are free of charge. The goal of the center is to help seniors keep active physically and intellectually and to partake in social activities. Some of the options available include dancing, fitness classes, arts and crafts, bingo and organized field trips to local attractions.
Transportation Services(815) 455-312042 East Street, Suite C, Crystal Lake, IL 60014The Senior Care Volunteer Network is a nonprofit organization that provides free door-to-door transport to seniors in the area. Volunteer drivers take seniors to non-emergency medical appointments, grocery stores, banks and social appointments. Transport is an important part of everyday life and access to free transportation enables seniors to live independently for a longer period of time and avoid social isolation. Rides need to be booked as far in advance as possible in order to ensure there’s a driver available. Donations are always appreciated. 
Senior Home Repair Assistance Program(815) 344-35554704 Three Oaks Road, Crystal Lake, IL 60014Senior Services Associates is a nonprofit organization that runs a volunteer home repair assistance program in Crystal Lake. The program retains a pool of volunteers and service providers who are able to help with minor repairs and yard maintenance. Seniors can contact the program to request assistance and if the work is in line with the type of assistance offered, the senior will be matched with a volunteer. Additionally, the program assists seniors to find preferred providers for larger repair and home maintenance jobs. These preferred providers have all consented to background checks and a referral screening process. There is no charge for any of the services provided by the volunteers.

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 – often times 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.

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

Reviews of Care Providers Nearby

Home Care

Kayla R_1

I am a current client of this provider

Review of Visiting Angels - Crystal Lake, IL

They help her get out of bed. They are kind and compassionate. They make sure she has access to whatever she needs. They get her out of bed and where she needs. They try to get her more mobile....

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Home Care

Larisa L

I am a current client of this provider

Review of Visiting Angels - Crystal Lake, IL

They know what they are doing and are kind. I am new, and I think that a lot of times other companies are not as involved or detailed about the client's needs but Visiting Angles is Awesome. Every...

Read more

Home Care

Karen P_25

I am a current client of this provider

Review of Visiting Angels - Crystal Lake, IL

They do excellent work. They're reliable and dependable.

Read more

In Home Care near Crystal Lake, 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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