The Best Home Care Agencies for Seniors in Marlborough, MA for 2025

Home care agencies in Marlborough typically charge $5,720 per month according to Genworth’s 2021 Cost of Care Survey. Local rates are $191 higher than the state median but $763 lower than the national average. Boston residents pay slightly more at $6,292. Home care prices in Springfield are $381 lower, while Cape Cod residents pay $953 per month more based on rates in Barnstable. Located in the Berkshires, Pittsfield offers below-average rates of $5,625.

In-home care is just one option for Marlborough seniors to consider. Prices range from $5,720 to $5,911 per month for nonmedical and medical services, assuming that seniors require 44 hours of weekly care. Assisted living costs slightly less at $5,685, including meals, housing and personal care. Skilled nursing facilities cost $6,143 more than in-home assistance. On the other hand, adult day health care is the most affordable option at $1,842, but seniors must travel to a community-based center to receive these services, which may not be convenient or feasible for all residents.

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.