The 10 Best Home Care Agencies for Seniors in Rowley, 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 Rowley, MA, residents and their loved ones rate In Home Care agencies across the 28 options below.

Because of its proximity to Boston, the two cities share care costs. Rowley’s average home care costs are higher than the Massachusetts statewide average of $5,911 reported in the Genworth Cost of Care Survey, which itself is higher than the corresponding national figure of $4,957.  To Rowley’s southeast, the town of Barnstable represents a pricier option at $6,673. In central Massachusetts, Worcester’s average home care rate is $572 below that of Rowley. Prices fall even more to the west, where Pittsfield and Springfield feature lower costs at $5,625 and $5,339, respectively.

One alternative to home care is home health care, which involves light medical services delivered by registered nurses and other professionals. In Rowley’s case, home health care is slightly less expensive than home care. At $6,819, assisted living is several hundred dollars pricier than both in-home options; at $13,155, nursing home care is more than double the cost. Adult day health care, which costs $1,614, is more affordable than other senior care options, though it requires daily transportation to a care site.

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.