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The 10 Best Home Care Agencies for Seniors in Newbury, 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 Newbury, MA, residents and their loved ones rate In Home Care agencies across the 24 options below.
Home Care Services in Newbury, Massachusetts
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Paying for Home Care in Newbury, MA
The Cost of Home Care in Newbury, MA
At a monthly average of $6,292 per month, home care in Newbury is higher than both the national average of $4,957 and the Massachusetts average of $5,911. The highest home care costs within Massachusetts are found in Cape Cod at $6,673 in Barnstable Town, while residents of Springfield pay the least at a monthly average of $5,339. Costs in Pittsfield near the border with Pennsylvania are $5,625, and they rise slightly to $5,720 in Worcester.
Newbury
$6,292
Massachusetts
$5,911
The United States
$4,957
Barnstable Town
$6,673
Springfield
$5,339
Pittsfield
$5,625
Worcester
$5,720
The Cost of Home Care vs. Other Senior Care Options in Newbury, MA
Home care in Newbury comes with a slightly higher price tag than home health care, which averages $6,244 per month. Unlike home health care, which involves limited skilled nursing services, home care involves housekeeping and other nonmedical tasks. Nursing homes offer the least affordable senior care in Newbury at a monthly average of $13,155 for shared accommodations. Adult day health care is the least expensive choice at $1,614. The average cost of assisted living in Newbury is $6,819 per month.
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 Newbury was unavailable, so data for the nearest city, Boston, was used instead.
Financial Assistance for Home Care in Newbury, 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.
Newbury 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 Newbury:
| Resource | Contact | Address | Service |
|---|---|---|---|
| The Massachusetts Low Income Home Energy Assistance Program | 1-800-632-8175 | 100 Cambridge Street, Suite 300 Boston, MA 02114 | The Low Income Home Energy Assistance Program (LIHEAP) is a government-funded program that provides assistance to low-income seniors by paying a portion of their winter heating costs. An application must be filled out in person at the fuel assistance agency. |
| Newbury Council on Aging | (978) 572-1228 | 12 Kent Way, Byfield, MA 01922 | The Newbury Council on Aging is a valuable resource center for seniors in Newbury and supplies information and referrals for a variety of programs such as SNAP, which provides healthy food to low-income people, and the Fuel Assistance Program that helps with heating costs. Legal assistance for seniors is free in Massachusetts in the areas of family law and landlord-tenant issues and the Council on Aging helps with accessing this service. |
| F. Ryeburn Lynch Senior Center | (978) 462-8114 | 63 Hanover Street Newbury, MA 01951 | The F. Ryeburn Lynch Senior Center provides information for seniors on programs and classes, health insurance, legal aid assistance, pet food funds and transportation options. They also offer seniors assistance with tax services and exemptions. |
| Weatherization Assistance Program (WAP) | (617) 573-1100 | 100 Cambridge Street, Suite 300 Boston, MA 021144 | The Low Income Weatherization Assistance Program (WAP) is a program funded by annual grants from the U.S Department of Energy. It is designed to help low-income seniors living in their own homes take advantage of eligible home energy efficiency services. |
| Elder Services of Merrimack Valley Inc | 1-800-892-0890 | 280 Merrimack Street, Suite 400, Lawrence, MA 01843 | Elder Services of Merrimack Valley is a private non-profit organization. Nurses and care managers assess seniors’ needs to ensure that they have the right services in place to help retain independence. They are affiliated with over 70 different care providers and make certain that seniors are able to access programs focusing on healthy living, nutrition, transportation needs and protective services. Seniors can get referrals to a variety of programs, such as Meals On Wheels, that deliver fresh food to seniors who are unable to leave their homes. |
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.
