The 10 Best Home Care Agencies for Seniors in Jackson Heights, 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 Jackson Heights, NY, residents and their loved ones rate In Home Care agencies across the 56 options below.

With an average monthly cost of $5,529, Jackson Heights seniors pay more than average home care expenses when compared to both the state and national rates, according to the 2021 Genworth Financial Cost of Care Survey. The average cost of home care in Binghamton and Watertown is both significantly lower than in Jackson Heights. Two of the state’s major college towns, Ithaca and Syracuse, report average home care prices that are well above those of Jackson Heights.  

Home care in Jackson Heights costs an average of $5,529 per month and includes personal care, some housekeeping and errands. Home health care costs about $200 more a month and includes limited medical care. Seniors who need 24-hour medical support are best served by nursing home facilities, where a semiprivate room is 56% more expensive than basic home care. With a monthly average cost of $5,750, assisted living is slightly more expensive than home health care. Adult day care costs the least, but offers only limited coverage during weekday hours in an out-of-home location.

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.