"Right at Home provides in-home caregiving services for thousands of families across the nation. We offer companionship and help with everyda..."
READ MOREThe 5 Best Home Care Agencies for Seniors in Richmond, KY 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 Richmond, KY, residents and their loved ones rate In Home Care agencies across the 6 options below.
Home Care Services in Richmond, Kentucky
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"BrightStar Care offers a wide variety of high-quality services—from in-home care to medical staffing. If you are looking for a trustworthy c..."
READ MORE5.0
(8 reviews)
"My mom was in bad shape when she got out of the hospital - thank goodness for Family Support Services; she now wants to "live again" - doing activities, therapy, eating and enjoying activities Excellent caring staff, dependable and go above and beyon..."
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5.0
(2 reviews)
"Aging With Grace is currently providing a home health companion for my mom. They were able to quickly meet our needs for days and times, and worked hard to find a good fit. Mom’s caregiver is very reliable and capable, and is interested in knowing h..."
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Paying for Home Care in Richmond, KY
The Cost of Home Care in Richmond, KY
According to the Genworth survey, which considers Richmond part of the Lexington area, home care costs in Richmond average $4,957, which is the same as the national average. The state of Kentucky has an average statewide cost that’s $190 less each month, at $4,767. Louisville also averages $4,767 a month for similar services, and Bowling Green is close, at $4,811. At the high end for costs, seniors in Elizabethtown pay an average of $5,053 a month, while some of the lowest costs in the state are in Owensboro, at $3,813.
Richmond
$4,957
Kentucky
$4,767
The United States
$4,957
Louisville
$4,767
Elizabethtown
$5,053
Bowling Green
$4,811
Owensboro
$3,813
The Cost of Home Care vs. Other Senior Care Options in Richmond, KY
Home care in Richmond costs an average of $4,957 a month for personal care services. This is the same average cost as home health care, although the latter provides additional light medical services. Assisted living costs less at $4,568, while adult day health care in the region averages $1,690 a month. For seniors who require a higher level of care and medical supervision, a semiprivate room at a nursing home costs an average of $6,996.
Home Care
$4,957
Home Health Care
$4,957
Adult Day Care
$1,690
Assisted Living
$4,568
Nursing Home Care (semiprivate room)
$6,996
Note: Data for Richmond was unavailable, so data for the nearest city, Lexington, was used instead.
Financial Assistance for Home Care in Richmond, 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.
Richmond 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 Richmond:
Resource | Contact | Address | Service |
---|---|---|---|
AppalReD Legal Aid | (859) 624-1394 | 114 N 3rd St, Richmond, KY 40475 | The AppalReD organization is dedicated to offering free legal counseling and assistance for low-income residents of eastern and southern Kentucky. Its services revolve around helping the elderly and economically vulnerable regarding legal problems that affect their access to benefits, income, shelter, personal safety and stability. The volunteers at AppalReD offer counseling, aid and litigation services through six regional legal offices in several towns and cities. AppalReD also helps seniors with tasks as basic as getting their benefits and tax forms filled out correctly and on time. |
Kentucky River Foothills Development Council Senior Citizen Services Centers | (859) 623-0474 | 801 Brighton Ave, Richmond, KY 40475 | The Richmond Senior Citizens Center of the KRFDC serves as a local gathering and community outreach place for the city’s elderly. As part of a network of seniors’ centers that are managed by the same organization throughout the region, the Richmond Center offers exercise programs, recreational excursions, free fitness rooms and health screening appointments. The Senior Citizens Center also provides access to legal assistance, advocacy, counseling and local transportation services. |
Kentucky Weatherization Program | (859) 624-2046 | 309 Spangler Drive, Richmond, KY 40475 | The Kentucky Weatherization Program is funded by the federal government and the state, but the weatherization services themselves are delivered locally through regional development organizations and other affiliates. Home weatherization of both owned and rented homes is offered free of charge to low-income families and individuals who meet maximum income guidelines based on the size of their household. Income maximums start at $19,320 for single-person households and incrementally increase per each additional household member. Seniors who receive Supplemental Security Income payments are automatically eligible for Kentucky’s Weatherization Program. |
Kentucky Department for Aging and Independent Living | (502) 564-6930 | 275 E. Main St. 3E-E, Frankfort, KY 40621 | The Kentucky Department for Aging and Independent Living is the statewide coordinator and provider of services and programs for elderly residents of Kentucky. This agency offers information, counseling and referral services for state and federal benefits programs such as Medicaid and Medicare, as well as for local weatherization and utility assistance services. It also helps seniors in Kentucky access support in cases of legal or elder care abuse. |
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 – oftentimes 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.

