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"Bring Care Home opened its doors in 2004 with a passion to create positive change for families and loved ones. Our services allow seniors, t..."
READ MOREThe 10 Best Home Care Agencies for Seniors in Georgetown, MA 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 Georgetown, MA, residents and their loved ones rate In Home Care agencies across the 35 options below.
Home Care Services in Georgetown, Massachusetts
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" Clark Care, Inc., a private duty nursing registry established in 1988, is owned and operated by Claudia Clark Gay and an exceptional admin..."
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"At Griswold Home Care, we understand that selecting a home care provider can be confusing. We aim to provide the best home care services pos..."
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" GIA Home Care Services Provide family center care to our clients. Our goal is to keep families together in the comfort of their own home."
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"Assurance Homecare LLC is a leading In-Homecare service provider that covers Massachusetts. It is our goal to improve the well-being of our ..."
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"At SHICS Health Care Solutions, we are committed to maximizing the dignity and respect of loved ones and enabling elders to remain in their ..."
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Paying for Home Care in Georgetown, MA
The Cost of Home Care in Georgetown, MA
Monthly home care rates in Georgetown are $381 higher than the state average and $1,335 above the national median. Fees here are $572 pricier than in Worcester, about 60 miles southwest in the heart of Massachusetts. Another 55 miles west in Springfield, seniors pay $953 less than those in Georgetown. However, in-home care in Barnstable Town, 99 miles southeast, costs $381 more.
Georgetown
$6,292
Massachusetts
$5,911
The United States
$4,957
Worcester
$5,720
Springfield
$5,339
Pittsfield
$5,625
Barnstable Town
$6,673
The Cost of Home Care vs. Other Senior Care Options in Georgetown, MA
Home care in Georgetown costs about $50 less per month than home health aide services, although the latter may include skilled nursing or professional therapy. In-home care rates are less than half those of nursing home care in this area, and adult day care programs cost roughly one-quarter of the price of home care here. However, seniors must be able to leave home and travel to a senior center to participate.
Home Care
$6,292
Home Health Care
$6,244
Adult Day Care
$1,614
Assisted Living
$6,819
Nursing Home Care (semiprivate room)
$13,155
Note: Data for Georgetown was unavailable, so data for the nearest city, Boston Area, was used instead.
Financial Assistance for Home Care in Georgetown, MA
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.
Georgetown 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 Georgetown:
| Resource | Contact | Address | Service |
|---|---|---|---|
| Massachusetts Department of Revenue | (800) 392-6089 | 100 Cambridge Street, Boston, MA 02114 | Although the state has some of the highest tax rates in the nation, there are a few exemptions for seniors who own property. Single people 65 and older may have a $1,000 tax exemption if their income is less than $23,718 per year and assets not in excess of $40,000. Deduction of the total water and sewer bills may be open to those 65 and older whose property taxes exceed 10% of their income. Exemptions for veterans and the legally blind are also available. |
| Home Modification Loan Program (HMLP) | (617) 204-3600 | 600 Washington Street, Boston, MA 02111 | The Massachusetts Rehabilitation Commission offers a no-interest loan program to help adults with disabilities modify their home, including bathroom access, larger doorways, and wheelchair ramps. The amount each household is eligible for depends on income and household size, although each home may only have one loan issued. The amount available to borrow ranges from $1,000 up to $50,000 (inclusive of all costs). |
| Georgetown COA Meal and Activity Site | (978) 452-5726. | 51 North Street, Georgetown, MA, 01833 | Nutritious lunches are served Monday through Wednesday at the Georgetown Community Center, with spaces available by reservation. This outreach program is funded by the Older Americans Act and, while a small donation is advised, the program is free. This encourages seniors to enjoy socialization, thus reducing isolation. Transportation may be provided here through the COA Transportation Services. |
| COA Transportation Services | (978) 352-5726 | 51 North Street, Georgetown, MA 01833 | Seniors in Georgetown have options for transportation assistance. Two days a week, the COA van will take the elderly on shopping trips or to run errands. A Ring-and-Ride service is available for any type of appointment in the greater Boston area but requires a 24-hour notice. The North Essex Transportation Service also provides rides on an as-needed basis, with reservations required. All of these programs are executed by the Georgetown Senior Center and the Council on Aging. |
| Massachusetts LIHEAP and HEARTWAP programs | (978) 373-1971 | 3 Washington Square, 2nd Floor, Haverhill, MA 01830 | These programs are funded by the Massachusetts Department of Housing and Community Development and offer heating and electricity bill payment assistance for those who meet certain income guidelines. Eligibility is based on household size and can vary from year to year. Other programs include home weatherization for the elderly and needy. |
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.
