The 10 Best Home Care Agencies for Seniors in Woburn, 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 Woburn, MA, residents and their loved ones rate In Home Care agencies 4.7 out of 5 stars across the 71 options below.

Data from the 2021 Genworth Cost of Care Survey shows that Woburn is a relatively expensive area for home care. The city’s average cost of $6,292 per month is a few hundred dollars more than the Massachusetts average of $5,911 and well over a thousand dollars higher than the U.S. average of $4,957. In Massachusetts, only Barnstable Town’s average monthly price of $6,673 is more than Woburn’s. Springfield is significantly cheaper at $5,339 per month, and Worcester is close to the state average at $5,720.

Monthly home health care prices are close to those of in-home care at $6,244. Adult day health care is cheaper than all other care options at $1,614 a month, but its limited hours may not be the best fit for certain seniors. Assisted living is roughly $525 more expensive than home care at $6,819 a month, and nursing home care is approximately twice as expensive at $13,155 a month.

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.