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The 10 Best Home Care Agencies for Seniors in North Andover, 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 North Andover, MA, residents and their loved ones rate In Home Care agencies 5.0 out of 5 stars across the 46 options below.

Home Care Services in North Andover, Massachusetts

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Paying for Home Care in North Andover, MA

The Cost of Home Care in North Andover, MA

As Boston is the closest metropolitan center to North Andover, the two cities share the same care costs. Seniors in this region pay an average of $6,292 per month for home care services, which is around $380 higher than the state median and more than $1,300 higher than the national average. If budget is a concern, other cities in Massachusetts, such as Pittsfield and Worcester, are more affordable. In comparison to these cities, Springfield has the lowest costs at $5,339. North Andover is still a good option compared to Barnstable Town, which sees the state’s highest rates at $6,673.

North Andover

$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 North Andover, MA

There are several options for seniors and families to consider when thinking about long-term care. The most affordable is adult day health care, though it only covers part-time assistance during the day. Assisted living is around $500 more expensive than both in-home care and home health care services, but it allows seniors to live among peers in a social setting. At $13,155, nursing homes are over twice the cost of home care; however, they offer the most comprehensive scope of care.

Home Care

$6,292

Home Health Care

$6,244

Adult Day Health Care

$1,614

Assisted Living Facility

$6,819

Nursing Home (semiprivate room)

$13,155

Note: Data for North Andover was not available, so data for the nearest city, Boston, was used instead.

Financial Assistance for Home Care in North Andover, 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.

North Andover 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 North Andover:

ResourceContactAddressService
Low Income Weatherization Assistance Program (WAP)(617) 573-1100100 Cambridge St., Suite 300, Boston, MA 02114Seniors in North Andover can get help preparing their homes for the winter with the Low Income Weatherization Assistance Program (WAP). WAP pays the cost of seniors’ free home inspections and upgrades to make the home more energy efficient. Work may include new insulation and weather stripping, as well as the installation of new doors and windows to help keep energy losses down.
Home Modification Loan Program (HMLP)(617) 204-3600600 Washington St., Boston, MA 02111North Andover seniors who own their own homes may be able to get 0% interest home modification loans through the state’s Home Modification Loan Program (HMLP). Income, asset and residency restrictions apply for all seniors wishing to take part in the program. On approval, the HMLP office may grant a no-interest loan through authorized local vendors to make needed home improvements that help local seniors live independently in their own residences.
Low-Income Home Energy Assistance Program (LIHEAP)(617) 573-1100100 Cambridge St., Suite 300, Boston, MA 02114The Low-Income Home Energy Assistance Program (LIHEAP), also known as the Fuel Assistance Program, helps North Andover seniors reduce the cost of their winter heating bills with subsidized service and cash assistance to prevent disconnection due to nonpayment of overdue bills. Seniors may save up to 30% on their monthly utility bills through LIHEAP, though the program does require verification of income and assets prior to acceptance.
Family Caregiver Support Program(617) 727-7750One Ashburton Pl., Floor 5, Boston, MA 02108The Family Caregiver Support Program helps seniors in North Andover aged 55 and over who need in-home assistance from the caregiver of their choice. This recipient-directed program pays much of the cost for in-home care, as well as provides caregiver support from a licensed social worker to accurately assess and answer seniors’ needs. The program also assists grandparents who have effective custody of a grandchild with education and family support classes, community groups and assistance signing up for state and federal benefits.
Neighbors in Need(978) 685-832160 Island St., Suite 214-East, MA 01840Neighbors in Need provides nutritional support to over 750 families and seniors a week in the Essex County area. Operating out of 13 strategically located food banks in the region, Neighbors in Need provides free food and personal care supplies to low-income residents, families with young children and seniors in need.

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 home care
Checklist for determining the need for 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

Reviews of Care Providers Nearby

Home Care

Frank C_19

I am a current client of this provider

Review of Kind Senior Care

The agency has been very good at helping me be independent and doing anything I need them to do. I like that they answer my calls.

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Home Care

Kimberly B_9

I am a current client of this provider

Review of Kind Senior Care

I like that the caregivers are able to make my dad feel safe and comfortable and make him take a shower. We are dependent on them. I like the fact that if someone can't come in, they usually have...

Read more

Home Care

Elyse S

I am a current client of this provider

Review of Kind Senior Care

It has really enhanced her quality of living to have a companion. They're communicative and found caregivers who work with my mom.

Read more

In Home Care near North Andover, MA

LawrenceAndoverMethuenWest BoxfordHaverhillGroveland

Other Options in North Andover, 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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