The 10 Best Home Care Agencies for Seniors in Crown Point, IN 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 Crown Point, IN, residents and their loved ones rate In Home Care agencies 4.7 out of 5 stars across the 28 options below.

According to the 2021 Genworth Cost of Care Survey, on average, seniors in Crown Point pay $5,148 per month for home care. This is about $380 more than the statewide average in Indiana and almost $200 more than the national average. While Crown Point’s prices are more than the state and national averages, they’re lower than comparable cities. Michigan City is $477 higher per month, and South Bend and Chicago are $524 higher per month.

There are several long-term care options in Crown Point. Although there is no specific data for Crown Point, the most affordable care statewide is adult day health care, costing $1,733 per month. Assisted living is a long-term residential alternative that costs $525 less than home care. Home health care, which includes medical services typically provided by licensed nurses and/or therapists, also has a monthly cost of $5,148. Seniors who need around-the-clock care have the option of a semiprivate nursing home room for $7,133 per month, which is costlier than home care.

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.