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

Located near New York City, Westbury’s monthly cost of home care services is almost $200 more than the New York state average and nearly $600 more than the national average, according to the 2021 Genworth Cost of Care Survey. In central New York, Syracuse has some of the highest care costs. Rochester, near Lake Ontario, is $191 more expensive than Westbury. Home care costs in Albany are almost $400 less on average than in Westbury, and Buffalo boasts one of the lowest average monthly fees in the state. 

Home care services in Westbury are similar in cost to other care services in the area, while home health care is about $200 more per month for seniors needing skilled nursing services. Assisted living, which provides personal and health care services, is comparable in cost to home health care. Adult day programs have the lowest monthly rates in the area, and a semiprivate room at a nursing home costs more than double the monthly rates of 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.