The 10 Best Home Care Agencies for Seniors in Bellbrook, OH 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 Bellbrook, OH, residents and their loved ones rate In Home Care agencies across the 15 options below.

As Bellbrook is only 25 minutes from downtown Dayton, the 2021 Genworth Cost of Care Survey merges its home care survey results with the bigger cities, resulting in a median fee of $5,434 per month. Consequently, the average Bellbrook senior pays about 8.8% more for home care than the typical Ohioan and American, who pay $4,957 for home care. Bellbrook’s seniors pay more than their peers in the nearby cities of Cincinnati ($5,148), Lima ($4,957) and Springfield ($4,385). However, seniors in Bellbrook pay less for home care than those in Columbus, where average fees are $5,625 per month.

Although home care is a nonmedical service and home health care includes basic medical services delivered by registered nurses and therapists, the median fee is the same in Bellbrook. Assisted living provides similar services as home care, such as help with daily activities and housekeeping, for a lower median fee of $4,250. However, seniors choosing this option will need to relocate to an institution. The costliest senior care option in Bellbrook is nursing home care, which averages $8,091 for a semiprivate room.

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.