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Caringpal LLC - Warren, MI
3143 Potomac Avenue, Warren, MI, 48091
"Here at Caringpal we offer ever day life skills, errands, meal preparation, dementia care, assist with bathing, grooming, showering, medicat..."
READ MOREThe 10 Best Home Care Agencies for Seniors in New Baltimore, MI 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 New Baltimore, MI, residents and their loved ones rate In Home Care agencies across the 41 options below.
What you can do with Caring
On this page:
- Home Care Services in New Baltimore, Michigan
- Paying for Home Care in New Baltimore, MI
- Financial Assistance for Home Care in New Baltimore, MI
- Free & Low-Cost Home Care Resources in New Baltimore, MI
- Determining Your Loved One’s Need for In-Home Care
- Guidelines for Talking About In-Home Care
- Frequently Asked Questions
Paying for Home Care in New Baltimore, MI
The Cost of Home Care in New Baltimore, MD
Families in New Baltimore pay an average of $5,720 per month for home care according to the Genworth Cost of Care Survey for 2021. This is just slightly more than the average cost of $5,529 per month for families in Michigan. The national average for home care is $4,957. There are several cities in Michigan where home care costs are higher than in New Baltimore, including Ann Arbor at $6,101 and Muskegon at $6,340 per month. Rural parts of the state, such as Saginaw at $4,195 per month, have less expensive home care. In Lansing, the state capital, the median price is $5,625 per month.
New Baltimore
$5,720
Michigan
$5,529
United States
$4,957
Ann Arbor
$6,101
Saginaw
$4,195
Lansing
$5,625
Muskegon
$6,340
The Cost of Home Care vs. Other Senior Care Options in New Baltimore, MD
Although home health care offers limited medical services that are not available with in-home care, both options have the same average price in New Baltimore. Adult day health care may be a more affordable option for seniors who can leave their homes daily. New Baltimore’s assisted living facilities have an average monthly cost of $4,215. Nursing homes are the most expensive type of care at $8,882 per month.
Home Care
$5,720
Home Health Care
$5,720
Adult Day Health Care
$1,430
Assisted Living Facility
$4,215
Nursing Home Facility (semiprivate room)
$8,882
Note: Data for New Baltimore was unavailable, so data for the nearest city, Detroit, was used instead.
Financial Assistance for Home Care in New Baltimore, MI
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.
Free & Low-Cost Home Care Resources in New Baltimore, MI
Despite being a small community, New Baltimore has plenty of free and low-cost resources for seniors living at home. These resources provide recreational opportunities, keep homes safe and comfortable and offer the nutritional support home-bound older adults need to stay healthy.
| Resource | Contact | Service |
|---|---|---|
| New Baltimore Senior Programs | (586) 725-0291 | The New Baltimore Parks & Recreation Department hosts several senior programs at the Cricklewood Recreation Building. Monday and Tuesday are card game nights. Bingo with big prizes takes place on Fridays. These activities are available to local seniors at no charge and they can change throughout the year. Older adults are welcome to join many other activities hosted by the parks and recreation department as well. |
| Handy Helpers | (586) 469-5228 | Handy Helpers is a program operated by Macomb Community Action that sends volunteers to perform repairs and maintenance work at seniors' homes in New Baltimore. Workers can replace light bulbs, install weather stripping and storm windows, repair furniture, control pests and perform heavy-duty cleaning. They can also provide seasonal services, such as fall yard cleanup and spring arbor trimming. All residents aged 60 and older are eligible for Handy Helpers. |
| Meals on Wheels | (586) 469-5228 | Macomb Community Action's Meals on Wheels program delivers hot meals to New Baltimore seniors who are unable to prepare or obtain their own food. Deliveries of both lunch and dinner are made Monday through Friday with the exception of some holidays. While a small donation for each delivery is suggested, no one will be turned away for financial reasons. To be eligible, the recipient must be a Macomb County resident at least age 60 or has a spouse aged 60 or older. |
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 – oftentimes 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.
