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The 10 Best Home Care Agencies for Seniors in Louisville, 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 Louisville, KY, residents and their loved ones rate In Home Care agencies 5.0 out of 5 stars across the 37 options below.
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Paying for Home Care in Louisville, KY
The Cost of Home Care in Louisville
According to the 2024 Genworth Cost of Care Survey, home care agencies in Louisville charge around $6,292 per month. This tracks higher than the national norm of $5,720 but offers significant savings over Kentucky’s median of $7,055. Even so, some nearby cities have more economical rates, with seniors in Owensboro paying around $2,917.
Louisville
$6,292
Kentucky
$7,055
United States
$5,720
Lexington
$7,150
Elizabethtown
$6,864
Owensboro
$2,917
The Cost of Home Care vs. Other Senior Care Options in Louisville, KY
Home care agencies in Louisville charge around $6,292 monthly for full-time custodial care. By comparison, seniors who require home health care, which includes skilled nursing services, pay about $191 less. Local home care costs also compare favorably to assisted living rates, which come in at around $5,342, and adult day health care, which costs about $1,798. Nursing home care costs more than nonmedical in-home services at approximately $7,832.
Home Care
$6,292
Home Home Care
$6,101
Adult Day Health Care
$1,798
Assisted Living Facility
$5,342
Nursing Home Care (semi-private room)
$7,832
Financial Assistance for Home Care in Louisville, 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.
Free & Low-Cost Home Care Resources in Louisville, KY
Louisville seniors who want to age in place can access a number of free and low-cost programs offered by local government agencies and nonprofit organizations. These programs include nutritional support, assistance with transportation and case management.
| Resource | Contact | Service |
|---|---|---|
| Louisville Metro Office for Veterans | (502) 574-5748 | The Louisville Metro Office for Veterans serves veterans and their families. The office helps military families connect with county, state and federal programs and services, including VA health care services. Staff at the office can also assist with Aid and Attendance and Housebound applications, two enhanced VA pension benefit programs that can be used towards home care costs. |
| Senior Nutrition Program | (502) 574-6325 | The Senior Nutrition Program helps ensure Louisville seniors aged 60 and older have access to low-cost, nutritionally-balanced meals. There are 22 congregate nutrition sites throughout the city that are open Monday through Friday. Housebound seniors who need nutritional support can apply to receive a daily home-delivered meal through the local Meals on Wheels program. |
| Transit Authority of River City | (502) 585-1234 | TRAC is the local public transit provider for Louisville, and seniors aged 65 and older qualify for discounted fares on all TRAC routes. Each TRAC bus is ADA-compliant and equipped with wheelchair lifts and a kneeling feature to make entering and exiting the bus easier for those with reduced mobility. |
| Home Repair Program | (502) 574-5850 | The Home Repair Program provides funding to help low- and moderate-income homeowners complete safety-critical home repairs. To qualify for assistance through this program, seniors need to own and occupy their own single-family home and meet the current financial eligibility criteria. Eligible repairs through this program include roofing and gutter repairs/replacement, electrical and plumbing repairs, furnace and air conditioning repair/replacement and any other repairs deemed necessary by program staff. |
| ADRC In-Home Services | (502) 266-5571 | The Aging and Disability Resource Center's In-Home Services program provides in-home supports to seniors aged 60 and older. To qualify for assistance through this program, seniors must not be eligible for Medicaid-funded home care, and they must need assistance to continue living independently. Services are tailored to the needs of each program participant and may include in-home respite for family caregivers, local transportation, housekeeping and minor home repairs. |
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.
Louisville home care agencies can provide a wide range of nonmedical services to help seniors remain safe and comfortable in their own homes. These services are customized to each senior and may include assistance with bathing and grooming, light housekeeping and meal prep, companionship and transportation to nonurgent medical appointments.
In-home care is one-on-one nonmedical care delivered in a senior’s home or the community. Home health care covers many of the same services offered through home care, but home health care also includes some limited medical services, such as monitoring of vital signs, medication management and catheterization. In Louisville, home health care rates are higher than rates for home care services.
According to Genworth’s 2020 Cost of Care Survey, in-home elderly care in Louisville costs an average of $4,195 per month. This figure is based on 44 hours of care per week, which works out to a weekly rate of $968.07 and an hourly rate of $22.
In general, the cleaning supplies used in home care are provided by the client or their family members. Many home care agencies will help clients shop for groceries and household essentials, and caregivers can also help seniors arrange for home delivery of cleaning products and other essentials.
In-home respite care gives family caregivers a temporary break from their caregiving duties. A home care worker provides supervision and support to the senior, which allows family caregivers the time they need to attend to their own personal responsibilities or work commitments. This type of care can be scheduled on an occasional or recurring basis.
Reviews of Care Providers Nearby
Home Care
David
5.0
Review of Granny Nannies
We were impressed with Granny Nannies. They're very good, and their prices were fair. I highly recommend them. They helped my mother with bathing, dressing, undressing, companionship, cooking...
Home Care
snookie13
5.0
Review of Granny Nannies
Granny Nannies has been a Godsend to my family. We are blessed to have some wonderful caregivers for my Mom. They go above and beyond and really do care about her. They always make sure the...
Home Care
Laura122223450
5.0
Review of Granny Nannies
We use Granny Nannies for my mom and have been ever so pleased with them. Their folks are professional, kind, and always there when they say they’re going to be. We have absolutely no issues with...