The 10 Best Home Care Agencies for Seniors in Huntington Station, NY 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 Huntington Station, NY, residents and their loved ones rate In Home Care agencies 5.0 out of 5 stars across the 43 options below.

Seniors who live in Huntington Station pay approximately $5,350 per month for in-home care. This is higher than the national average but equal to the state’s cost average. In comparison to the remainder of the New York metro area, Huntington Station’s seniors pay slightly less, around $200 per month less. Fortunately for seniors in the area, the cost for home care varies little between Huntington Station and comparable areas across the region; in-home care in Huntington Station is equal to that of Poughkeepsie, approximately $100 more per month than New Haven and $190 more per month than the Trenton area. 

The cost of home care in Huntington Station is approximately $5,300 per month. Seniors pay significantly more for in-home care—approximately $3,700 more than they do for adult day health care. However, residents of Huntington Station pay less for in-home care than they do for other types of care. Home care is more than $930 less per month than an assisted living community and a whopping $11,500 less per month than a semi-private room in a nursing home. 

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.