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The 10 Best Home Care Agencies for Seniors in La Plata, MD 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 La Plata, MD, residents and their loved ones rate In Home Care agencies across the 20 options below.
Home Care Services in La Plata, Maryland
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Paying for Home Care in La Plata, MD
The Cost of Home Care in La Plata, MD
Home care agencies in La Plata charge $4,576 for care according to the Genworth Cost of Care Survey. This is hundreds of dollars lower than state and national norms, which come in at respective rates of $5,148 and $4,957. Other Maryland cities have higher monthly rates, including Salisbury, where agencies charge $4,957 for services, and Hagerstown, where fees average $5,148. Across state lines in Dover, DE, rates are about $760 higher than in La Plata, and in Winchester, VA, rates are comparable at $4,671.
La Plata
$4,576
Maryland
$5,148
United States
$4,957
Salisbury
$4,957
Hagerstown
$5,148
Dover, DE
$5,339
Winchester, VA
$4,671
The Cost of Home Care vs. Other Senior Care Options in La Plata, MD
Home care rates in La Plata come in at $4,576. Home health care, which includes skilled nursing along with personal care, has the same monthly average. However, seniors may save thousands of dollars by opting for adult day health care, which costs $1,928 per month. Home care costs significantly less than nursing home placement, which has the highest long-term care costs in the city at $8,608.
Home Care
$4,576
Home Health Care
$4,576
Adult Day Health Care
$1,928
Nursing Home Care (semiprivate room)
$8,608
Note: Data for La Plata was unavailable, so data for the nearest city, California, was used instead.
Financial Assistance for Home Care in La Plata, MD
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 La Plata, MD
La Plata seniors who want to remain in their homes can obtain a broad range of community-based services through local nonprofit agencies and programs. This table highlights resources for seniors in the region, including the Area Agency on Aging, Meals on Wheels and a durable medical equipment loan closet, which may help seniors maintain their independence and safety at home.
| Resource | Contact | Service |
|---|---|---|
| Charles County Aging and Senior Services | (855) 843-9725 | The county’s Aging and Senior Services Division operates congregate meal sites, transportation services, energy assistance programs and in-home services and supports for those aged 60 and over, helping them maintain as much independence as possible. It also has a durable medical equipment loan closet. |
| Nutrition Programs | (301) 934-0138 | The county’s senior nutrition programs are open to vulnerable individuals aged 60 and over. It provides home-delivered meals to those who are homebound due to age or health. Meals are available for a low fee based on a sliding scale. Nutrition counseling and assessments with a nutritionist are also available. |
| Senior Information and Assistance | (301) 609-5712 | The Senior Information and Assistance program educates older adults on benefit programs such as Social Security, Supplemental Security Income, prescription drug assistance and food stamps, which may help some seniors avoid assisted living or nursing home placement. The program can also connect seniors with in-home care and telephone reassurance programs. |
| Clark Senior Center | (301) 934-5423 | The Clark Senior Center is open to those aged 60 and over and provides an array of programs and services such as congregate meals, health and wellness screenings, educational workshops, age-friendly fitness classes and creative arts. The center also organizes day trips to local points of interest. |
| Southern Maryland Tri-County Community Action Committee, Inc. | (301) 274-4474 | The Community Action Committee has energy assistance programs for low-income households, helping them afford high utility bills and avoid shut-offs. It also owns affordable housing units, which may be an option for seniors with limited financial resources who want to remain independent. |
| Senior Center Plus Program | (301) 609-5710 | The Senior Center Plus Program is open to older adults who are unable to attend regular senior center programming. This program includes a free in-home assessment, low-cost respite care for family caregivers, health screenings and social and recreational activities. The daily fee covers activities, snacks, project supplies and noontime meals. |
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.
