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The 10 Best Home Care Agencies for Seniors in Ipswich, 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 Ipswich, MA, residents and their loved ones rate In Home Care agencies across the 26 options below.

Home Care Services in Ipswich, Massachusetts

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On this page:

  • Home Care Services in Ipswich, Massachusetts
  • Paying for Home Care in Ipswich, MA
  • Financial Assistance for Home Care in Ipswich, MA
  • Ipswich Home Care Resources
  • Determining Your Loved One’s Need for In-Home Care
  • Guidelines for Talking About In-Home Care

Paying for Home Care in Ipswich, MA

The Cost of Home Care in Ipswich, MA

On average, seniors in Ipswich pay $6,692 per month for home care, which is in line with average costs in Massachusetts but over $1,700 more than the national average. Home health care, which includes light medical services provided by registered nurses and physical, speech and occupational therapists, costs a little less per month than in-home personal care services in Ipswich. Seniors living in the eastern parts of the state pay more affordable fees for in-home care in Worcester, Springfield and Pittsfield, while home care costs on Cape Cod in Barnstable are higher. 

Ipswich

$6,292

Massachusetts

$5,911

The United States

$4,957

Worcester

$5,720

Springfield

$5,339

Barnstable

$6,673

Pittsfield

$5,625

The Cost of Home Care vs. Other Senior Care Options in Ipswich, MA

Costs for home care in Ipswich average about $500 less than assisted living costs and over $6,800 less than the expenses for a semiprivate room in a skilled nursing facility. Adult day health care programs are the least expensive option, priced at less than one-third the cost of home care services. Seniors generally need transportation, which some towns can provide, to a community center to take part in these organized recreational activities and programs. 

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 Ipswich was unavailable, so data for the nearest city, Boston Area, MA, was used instead.

Financial Assistance for Home Care in Ipswich, 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.

Ipswich 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 Ipswich:

ResourceContactAddressService
Ipswich Home Repair Loans(978) 356-660725 Green Street, Ipswich, MA 01938The Ipswich Housing Partnership provides interest-free loans to low and moderate-income homeowners. These loans help seniors pay for the expensive repairs their homes need to be safe and livable. Some of the major projects that seniors may receive funding for include roof replacements, major electrical repair and accessibility modifications. These loans range from $10,000 to $30,000, and some may be eligible for forgiveness after ten years.
Ipswich Council on Aging(978) 356-665025 Green Street, Ipswich, MA 01938The town’s Council on Aging offers many programs that may help local seniors remain in their own homes. Through its Outreach Program, it provides daily phone calls and friendly home visits to homebound seniors. It also offers low-cost in-town transportation on its 14-passenger van. Other programs provide home-delivered library books, assistance with pet care costs or free monthly produce. 
SeniorCare, Inc.(978) 281-175049 Blackburn Center, Gloucester, MA 01930As an Area Agency on Aging, SeniorCare Inc. offers many services that can help Ipswich seniors live independently. It serves lunch in dining rooms throughout the community and also provides home-delivered meals to homebound seniors. For both services, seniors are asked to make a donation of $2 per meal. Seniors with medical conditions, like high blood pressure, can receive in-home visits from a registered dietitian.
Action, Inc.(978) 282-1000180 Main Street, Gloucester, MA 01930This nonprofit organization administers the state’s Low Income Home Energy Assistance Program. The program helps seniors pay for their primary source of heat, including coal, electricity or propane. Conveniently, these payments are provided directly to the heating vendor. It also administers the Weatherization Assistance Program, which helps low-income seniors weatherize their homes. Eligible households receive an average of $4,500 in weatherization measures, such as attic insulation and sidewall insulation.
Catholic Charities North(617) 464-8500275 West Broadway, Boston, MA 02127This faith-based organization serves needy people who live north of Boston. Through its basic needs program, it offers utility assistance, rent and mortgage assistance and other support that may help low-income seniors remain in their homes. The organization also offers counseling services that can help seniors cope with life adjustments and mental health issues. 

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.

Download
Checklist for determining the need for in-home care
Checklist for determining the need for in-home care

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.

Download
Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs

In Home Care near Ipswich, MA

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Other Options in Ipswich, MA

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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