The 10 Best Home Care Agencies for Seniors in La Grange, 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 La Grange, IL, residents and their loved ones rate In Home Care agencies 4.6 out of 5 stars across the 65 options below.

According to the Genworth 2021 Cost of Care Survey, seniors in La Grange pay $5,672 monthly for full-time in-home care. This exceeds the state norm by over $300, and it’s about $700 higher than the national average. It’s also high compared to rates in many other cities in central and northern Illinois, including Kankakee, where residents pay $5,148 per month for services. In Bloomington, care costs are about $600 less than in La Grange, and in Decatur, care costs are even lower at $4,767. Even so, La Grange may be an affordable place for home care compared to Danville, where seniors pay $8,818.

In La Grange, home care agencies charge monthly rates of $5,672. This is considerably higher than the cost of assisted living, which comes in at $4,825. Older adults who attend adult day health care pay even more economical monthly rates of $1,842. Seniors who need skilled nursing services at home pay a little more for care, with rates averaging $5,720, and nursing home residents pay the highest monthly rates of $6,996.

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.