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Ascent Home Health Services - Roseville, MN
1611 County B Road W Suite #106 , Roseville, MN, 55113
The 10 Best Home Care Agencies for Seniors in Saint Paul, MN 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 Saint Paul, MN, residents and their loved ones rate In Home Care agencies across the 82 options below.
Home Care Services in Saint Paul, Minnesota
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Paying for Home Care in Saint Paul, MN
The Cost of Home Care in Saint Paul, MN
According to the 2024 Genworth Cost of Care Survey, Saint Paul seniors pay around $5,720 monthly for in-home care, with local rates aligning with state and national norms. In Duluth, monthly fees trend about $950 below care costs in Saint Paul. Still, in Rochester, rates run about $1,900 above the local median.
Saint Paul
$5,720
Minnesota
$5,720
United States
$5,720
St. Cloud
$7,150
Rochester
$7,627
Duluth
$4,767
The Cost of Home Care vs. Other Senior Care Options in Saint Paul, MN
In Saint Paul, home care costs are around $5,720 per month. Home health care rates are higher, at around $6,483, and nursing home fees exceed home care costs by around $4,560. On the other hand, adult day health care facilities charge competitive rates of roughly $1,798.
Home Care
$5,720
Home Health Care
$6,483
Adult Day Health Care
$1,798
Assisted Living Facility
$5,350
Nursing Home Care (semi-private room)
$10,281
Note: Data for Saint Paul was unavailable, so data for the nearest city, Minneapolis, was used instead.
Financial Assistance for Home Care in Saint Paul, MN
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.
Saint Paul 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 Saint Paul:
| Resource | Contact | Address | Service |
|---|---|---|---|
| Weatherization Program CareNextion | (651) 539-1500 | 85 7th Place E, Suite 280, St. Paul, MN 55101 | This program is funded by the US Department of Energy and supplemented by the state of Minnesota. It provides free home energy upgrades to eligible homeowners and renters. Priority is given to senior citizens and households with children under the age of 12. Potential energy upgrades include air leakage reduction, water heater repair or replacement, attic insulation and ideas to help reduce household energy usage. A free home energy assessment is conducted on all qualifying households to see if cost-effective energy improvements will reduce the current energy bill. |
| Transportation | (651) 455-1560 | 1645 Marthaler Lane, West St. Paul, MN 55118 | DARTS is a nonprofit organization that provides wheelchair-friendly transportation services to seniors in the greater St. Paul area. The program aims to help seniors continue to live independently in their own homes for as long as possible. Door-to-door transport is provided to medical appointments, restaurants and grocery stores. Transport needs to be booked at least a day in advance to allow buses to be scheduled. There is a charge for each trip, but discounts are available for seniors with limited incomes, and donations are always welcome. |
| Meals on Wheels | (651) 280-2000 | 451 Lexington Parkway North, Saint Paul, MN 55104 | The Wilder Foundation is a nonprofit organization that runs a meals on wheels program in Saint Paul. The program is funded by community donations and there is a small charge for each meal. Seniors who cannot afford the meals can apply for a discount or to receive their meals for free but proof of income is required. A group of volunteers delivers the meals to seniors throughout the Saint Paul area on a daily basis. The menus are reviewed by a dietician, and a wide range of special diets can be accommodated. |
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.
