.png&w=256&q=75){kind=small}
4.5
(154 reviews)
"I can highly recommend this company. Very professional and easy to work with. Erica went above and beyond to make sure my families needs were taking care of. ..."
READ MOREThe 10 Best Home Care Agencies for Seniors in Carmel, IN for 2025
Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Carmel, IN, residents and their loved ones rate In Home Care agencies 4.0 out of 5 stars across the 57 options below.
Home Care Services in Carmel, Indiana
57 Results
Filters
57 Results
4.3
(34 reviews)
"Staff helps me with staying at home. Cleaning, Showers, Cooking. They talk to me and do puzzles. Very Kind..."
READ MORE
5.0
(3 reviews)
"The agency has been first class and endeavors to provide each client with the caregiver that will meet their needs. Currently, we have one caregiver who works from 0900-1700 Monday - Friday. We are awaiting assignment for a caregiver to work the even..."
READ MORE
"Right at Home provides personalized in-home care and support for seniors and adults with disabilities. Our caregivers are trained to help wi..."
READ MORE
"Vesta Structure Care is a dedicated Personal Care agency founded by an owner inspired by the need for excellent care for a loved one. Vesta'..."
READ MORE
"Personal/Attendant Care Services Homemaker Services Companion Care Alzheimer's and Dementia Care Plastic Surgery/Accident/Rehab home c..."
READ MOREDidn't find what you were looking for?
Caring's Family Advisors are here to help you with questions about senior living and care options.
"Our mission at Gentle Support Home Care is to provide compassionate, high-quality home care that enhances the well-being and independence of..."
READ MORE
"A Day After Day Home Care Agency provides exceptional and compassionate home care services for all clients who are in need of care or who ar..."
READ MORE
"Great Lengths Home Care is dedicated to providing compassionate, high-quality in-home care services tailored to meet the unique needs of eac..."
READ MORE
4.5
(27 reviews)
"My mom has dementia and falls down sometimes. It got to the point where I was afraid to leave her alone. Home Care Assistance has been amazing and such a relief! Lolia has really exceeded my expectations. She is very well trained in dealing with peop..."
READ MORE
5.0
(5 reviews)
"I’ve been using Happy Choice for about three months for my mother. My experience with them is outstanding. The caregiver is very kind to my mother. She is very patient, and she gives good care. It’s a particularly good match, and the owner worked har..."
READ MORE
5.0
(5 reviews)
"This company exceeded my expectations. I was concerned about my grandfathers declining health and making sure he was going to receive the best care. The caregivers were very professional and nice. The personable care they provided was everything...."
READ MORE
5.0
(3 reviews)
"Jeff, Jessica and their team have been wonderful with my mother, who has dementia and is currently working to get back on her feet. They have been very caring, both to her mental health and acuity and to her physical stamina. We believe working wit..."
READ MORE
5.0
(2 reviews)
"To Whom This Information May Be Of Need; Our family had need of in-home-care for my wife & a mother, with that being said we were lucky be told of At Home Preferred. From the interview through my wife's passing almost a year later, we had a wide a..."
READ MORE
5.0
(1 reviews)
"If you are thinking about Servants Home Care for your love one, you would be making a GREAT choice. My mother has been with Servants Home Care for more than 6 months and I can’t say enough good things about the service. From the first day till now ..."
READ MORE
5.0
(1 reviews)
"Me and my wife have been using Caring Help Concierge for 3 months for my parents and we are happy with the care assistant and the timely responses from management...."
READ MORE
5.0
(1 reviews)
"Great company. I would say they have gone above and beyond for my family. The owner truly cares and it shows. Our helper had an unexpected last minute emergency and the owner came in to help that day. We were truly grateful ..."
READ MORE
5.0
(1 reviews)
"I'm very comfortable with the service the Demetria provides she treats me with respect and takes good care of me I'm glad to have her working for me...."
READ MORE
5.0
(1 reviews)
"Very caring, great service and helpful. I called them after hours for an immediate need. They responded promptly and came over to help us after hours. Thank you !! Greatly appreciate your services !!..."
READ MOREWhat you can do with Caring
Paying for Home Care in Carmel, IN
The Cost of Home Care in Carmel, IN
The cost for home care in Carmel is about $100 more than the national average. It’s also about $300 more than the average for Indiana according to Genworth’s Cost of Care Survey. Compared to other Indiana cities, Carmel’s home care costs are middle-of-the-road. Fort Wayne and South Bend have more expensive median prices: $286 more and $619 more respectively. Seniors find more affordable care in Evansville, where the average is about $750 less than in Carmel, and in Terre Haute, where rates are about $1,400 less.
Carmel
$5,053
Indiana
$4,767
United States
$4,957
Evansville
$4,290
Fort Wayne
$5,339
South Bend
$5,672
Terre Haute
$3,623
The Cost of Home Care vs. Other Senior Care Options in Carmel, IN
The average cost of home health care in Carmel is $96 less than the median for home care. However, some families will pay more for home health care because it requires work from medical professionals. Some seniors may be able to save money by using adult day home health care, which costs about $3,400 less than home care. Assisted living is also less expensive by about $600 per month. Only seniors that need constant medical supervision will utilize nursing homes, which cost $2,000 more per month than home care.
Home Care
$5,053
Home Health Care
$4,957
Adult Day Health Care
$1,625
Assisted Living
$4,478
Nursing Home Care (semiprivate room)
$7,057
Note: Data for Carmel was unavailable, so data for the nearest city, Indianapolis, was used instead.
Financial Assistance for Home Care in Carmel, IN
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 Carmel, IN
There are many free and affordable resources for seniors in Carmel who want to age in place. The city and state governments, as well as local nonprofits, can deliver meals, provide legal advice, schedule paratransit service and offer care management.
| Resource | Contact | Service |
|---|---|---|
| Together Today | (317) 674-8777 | Together Today organizes social gatherings for seniors throughout Hamilton County who want to make friends and participate in a variety of fun activities. The program is free, and transportation is offered upon request. Together Today has meetings once a week in Carmel at the Orchard Park Presbyterian Church. |
| Carmel Senior Programs | (317) 848-7275 | The City of Carmel offers an array of programs designed to enrich the lives of older adults. Seniors can learn tai chi, play in the bridge club, appreciate the city's parks and learn from professional artists in the community. The city accepts ADA modification requests to improve inclusivity. |
| Meals on Wheels of Central Indiana | (317) 252-5558 | Homebound seniors in Carmel who can't access or prepare meals can get medically tailored meals daily from Meals on Wheels. Seniors who apply for this program can start getting deliveries in as little as 1 week. There is a seven-step approval process that requires a prescription from a physician. |
| Indiana Legal Services | (844) 243-8570 | Seniors needing help with legal issues ranging from powers of attorney to guardianship and real estate planning can reach out to Indiana Legal Services for free assistance. This nonprofit firm is only able to assist clients with $8,000 or less in assets who are legal residents of the United States. |
| CICOA Aging & In-Home Solutions | (800) 432-2422 | The Central Indiana Council of Governments offers free care management services that homebound seniors in Carmel can use to get in-home assistance. Additionally, assistants can counsel seniors about their financial options and arrange for home modifications that make aging in place possible. |
| IndyGo | (317) 635-3344 | IndyGo offers half fares on all routes for riders aged 65 and older. Disabled seniors who can't use fixed routes can request paratransit services from IndyGo Access. This service is available to riders within 3/4 of a mile of a route as well as beyond this area for a higher price. |
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.
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.
Frequently Asked Questions
Reviews of Care Providers Nearby
Home Care
Anonymous_1739882773
5.0
Review of Home Helpers Home Care of Carmel - IN
I like that they found someone to work the hours needed. They were expensive.
Provider response
Thank you for your feedback! We’re glad we could find a caregiver to meet your scheduling needs. We understand that home care is an investment, and we strive to provide the highest quality care...
Home Care
Anthony E
5.0
Review of Home Helpers Home Care of Carmel - IN
Tony can't do anything for himself, and they help him with his day-to-day living. Their caregivers are excellent.
Provider response
Thank you for your feedback. We love helping him. We want to ensure he remains independent and happy.
Home Care
Fred J_4
5.0
Review of Home Helpers Home Care of Carmel - IN
The caregiver helps by fixing him his breakfast and helping him with showering. My favorite thing about them is that the caregivers they have are very reliable.
Provider response
We enjoyed caring and helping out when needed. Thank you