The 10 Best Home Care Agencies for Seniors in Farmingdale, NY for 2025

According to Genworth’s 2021 Cost of Care Survey, the average cost for homemaker services in Farmingdale is $5,529 per month, which is about $200 more in New York overall and about $600 more than the national average. While this may seem high, other cities in New York  have more expensive care, including Ithaca’s monthly average of $6,101. Upstate in Binghamton, seniors pay a more affordable average of $4,814. Buffalo is also relatively less pricey with a median of $4,957 per month. 

Home health care in Farmingdale costs about $200 more on average than home care because it includes services from skilled medical professionals. Assisted living is also about $200 more expensive than home care but includes room and board, scheduled activities and amenities such as a beauty salon and barbershop. Families who want to save more than $3,500 per month may find that adult day health care meets their needs, as it offers socialization opportunities outside the home. Seniors who need consistent, intensive medical care may require a nursing home, which costs $6,942 more per month than home care.

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.