The 10 Best Home Care Agencies for Seniors in Groveland, 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 Groveland, MA, residents and their loved ones rate In Home Care agencies across the 31 options below.

The 2021 Genworth Cost of Care Survey indicates that home care costs in Groveland and the rest of the Boston area run about $6,292 per month. This is higher than the state and national averages by $381 and $1,335 respectively. Cities like Fitchburg in south central Massachusetts, Springfield in the west central part of the state and Pittsfield to the far west are out of the Boston metropolitan area and tend to be less expensive by hundreds per month.

Home care may be a good choice for seniors who need extra help around the house and with personal care activities. Those who require light medical assistance may choose home health care at a slightly lower price. Assisted living runs $500 more than home care, and skilled nursing adds $6,800 to the monthly bill; these may be necessary for more extensive care. The least expensive option  is adult day care, available outside the home only during weekday business hours.

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.