The 10 Best Home Care Agencies for Seniors in Greensboro, NC 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 Greensboro, NC, residents and their loved ones rate In Home Care agencies 4.8 out of 5 stars across the 55 options below.

Greensboro offers a relatively affordable cost of home care compared to surrounding areas, averaging $4,195 per month. This cost is about $200 less than the statewide median and around $750 less than what seniors across the nation pay on average. Most surrounding areas are also more expensive than Greensboro, including Burlington, where costs average around $4,576 per month. Costs continue to increase in Charlotte, averaging $4,668 and are even higher in Durham, averaging $4,767 per month. However, in nearby Winston, seniors may find slightly lower prices, with the average monthly cost of home care at $3,909.

Seniors in Greensboro have access to several types of care, including home care and home health care which both average $4,195 per month, despite home health care aides providing additional skilled medical services. Nursing home care is more expensive, averaging $7,574 a month for a semiprivate room and 24/7 skilled nursing services. Seniors seeking more affordable care and around-the-clock assistance often opt for assisted living, averaging $3,800 per month. The most affordable option is adult day health care, averaging $1,053 per month for seniors only requiring assistance during daytime hours.

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.