The 10 Best Home Care Agencies for Seniors in Long Island City, 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 Long Island City, NY, residents and their loved ones rate In Home Care agencies across the 64 options below.

Located in Queens County, Long Island City shares the same home care costs as per the Genworth 2021 Cost of Care Survey. Seniors pay on average $5,529 per month, making it slightly less affordable than the state average and around $600 less affordable than the U.S. average. Further north in Albany, home care costs less, at around $5,148 per month. In upstate Buffalo, the cost of care equals the national average, and in Watertown, care is even more affordable, costing around $4,862 per month. The least affordable city for home care is Ithaca ($6,101).

Seniors in Long Island City have various care options. Home care includes personal assistance and typically costs $5,529 monthly, whereas home health care includes medical services and costs slightly more at $5,720. Seniors who only require day health care have the most affordable option ($1,950). Assisted living offers 24-hour support and costs slightly more than home care at $5,529. For the highest level of care in a nursing home, a semiprivate room costs around $12,471.

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.