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The 10 Best Home Care Agencies for Seniors in Lexington, KY 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 Lexington, KY, residents and their loved ones rate In Home Care agencies across the 23 options below.
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Paying for Home Care in Lexington, KY
The Cost of Home Care in Lexington, KY
In Lexington, the 2024 Genworth Cost of Care Survey indicates a monthly home care rate of roughly $7,150. This runs about $100 higher than Kentucky’s median and exceeds rates in other surveyed cities. For example, rates in Louisville come in $860 lower than in Lexington, and in Owensboro, seniors pay around $4,230 less for care.
Lexington
$7,150
Kentucky
$7,055
United States
$5,720
Lousiville/Jefferson County
$6,292
Elizabethtown
$6,864
Owensboro
$2,917
The Cost of Home Care vs. Other Senior Care Options in Lexington, KY
Home care clients in Lexington pay around $7,150 monthly for full-time non medical services. Home health care, which includes basic skilled nursing at home, costs less at about $1,907, and seniors who attend adult day health care pay around $1,907. However, seniors with intensive care needs pay higher rates of about $9,125 for nursing home placement.
Home Care
$7,150
Home Home Care
$1,907
Adult Day Health Care
$1,798
Assisted Living Facility
$5,188
Nursing Home Care (semi-private room)
$9,125
Financial Assistance for Home Care in Lexington, KY
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.
Lexington 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 Lexington:
| Resource | Contact | Address | Service |
|---|---|---|---|
| Homecare Program | (502) 564-6930 | 275 E. Main St. 3E-E, Frankfort, KY 40621 | Homecare Program, offered by the Kentucky Cabinet for Health and Family Services, provides eligible seniors in Lexington with services such as home management, chore assistance, home repair and home-delivered meals. Caregivers and family members may be eligible to receive respite care services, and additional resources are also available. The program is free of cost; however, to qualify, seniors must be aged 60 or older and be unable to perform at least two activities of daily living. |
| Senior Community Service Employment Program | (833) 439-7759 | 130 W. New Circle Rd., Ste. 110, Lexington, KY 40507 | Offered by Goodwill Industries of Kentucky, the Senior Community Service Employment Program connects seniors in Lexington with paid on-the-job training and employment with local nonprofits and community organizations. Career coaches provide additional support to seniors on an individual basis. The program is funded in part by a national Department of Labor (DOL) grant. To qualify, seniors need to be 55 years of age or older and have low incomes. |
| Health Promotion Program | (859) 266-1116 | 699 Perimeter Drive Lexington, KY 40517 | The Health Promotion Program offered by the Bluegrass Area Agency on Aging and Independent Living is funded through the Older Americans Act. Program participants are eligible for various health promotion and disease prevention education services. There is no cost associated with the program, but seniors must be 60 or older to qualify. The agency also facilitates a Diabetes Prevention Program, which aims to prevent type-2 diabetes in at-risk seniors. |
| Meals On Wheels Lexington | (859) 276-5391 | 1675 Strader Dr. Lexington, KY 40505 | Meals on Wheels delivery service is available to seniors in Lexington. Once enrolled, seniors receive three meals per day delivered to their homes at a subsidized rate. The meals are prepared and provided by volunteers from two local churches: the Trinity Baptist Church and the Second Presbyterian Church. There is no set age requirement; however, applicants must be unable to provide or prepare their own meals. |
| Homestead Exemption | (502) 564-3226 | 501 High St, Frankfort, KY 40601 | This property tax exemption, offered through the Kentucky Department of Revenue, is available to eligible senior homeowners aged 65 or above in Lexington. The exemption reduces any property taxes owed for the year. Eligible seniors can apply for the exemption through the property valuation administrator in Fayette County. An application must be submitted each year to continue receiving the exemption. |
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.
