The 10 Best Home Care Agencies for Seniors in Brighton, MA 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 Brighton, MA, residents and their loved ones rate In Home Care agencies across the 56 options below.

As it’s part of Boston, Brighton has the same care costs, which means local seniors pay an average of $6,292 per month for home care. This rate is not only around $380 higher than the state median, but it’s also more than $1,300 higher than the national average. Brighton is, however, less expensive than cities such as Barnstable Town in the Cape Cod area, where costs are about $380 higher per month. Individuals on a budget may wish to consider less expensive cities such as Pittsfield and Worcester, or even Springfield, where costs are over $950 lower.

For seniors in Brighton who only require part-time assistance, adult day health care is around $4,700 less expensive than home care. Home health care, which involves light medical care from licensed professionals, is also about $50 less expensive than home care. Assisted living costs about $530 more than home care, though it includes room and board, meals and recreational programming. While semiprivate rooms in nursing homes are over $6,800 more expensive per month, they offer skilled nursing services and 24/7 supervision.

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.