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The 10 Best Home Care Agencies for Seniors in Dayton, 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 Dayton, OH, residents and their loved ones rate In Home Care agencies 4.8 out of 5 stars across the 50 options below.
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Paying for Home Care in Dayton, OH
The Cost of Home Care in Dayton, OH
The 2024 Genworth Cost of Care Survey doesn’t list home care prices for Dayton, but by reducing the home health care rate by 10%, we estimate local home care fees at around $5,663 per month. This cost tracks a little higher than Ohio’s baseline rate of $5,339, but it comes in about $57 lower than the national norm. Seniors in Springfield pay higher rates of around $6,864, but rates in Lima come in about $1,370 lower than costs in Dayton.
Dayton
$5,663
Ohio
$5,339
United States
$5,720
Cincinnati
$6,101
Springfield
$6,864
Columbus
$4,576
Lima
$4,290
The Cost of Home Care vs. Other Senior Care Options in Dayton, OH
Home care agencies in Dayton charge a monthly rate of around $5,663 for full-time services. By comparison, assisted living facilities charge about $1,090 more, and seniors in nursing homes pay around $9,125 for around-the-clock intensive care services.
Home Care
$5,663
Home Health Care
$6,292
Assisted Living Facility
$6,750
Nursing Home Care (semi-private room)
$9,125
Financial Assistance for Home Care in Dayton, OH
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.
Free & Low-Cost Home Care Resources in Dayton, OH
These programs are offered by government agencies and nonprofit organizations for little or no cost to seniors. They help fight food insecurity, keep seniors connected to their community, assist in finding home care services and otherwise help improve quality of life.
| Resource | Contact | Service |
|---|---|---|
| Area Agency on Aging West Central Ohio | (937) 223-4357 | This nonprofit agency offers a wide variety of senior-focused services, including Passport and ComCare, two separate programs that help older adults develop a plan for aging in place. It's also the contact point for MyCare Ohio, which helps coordinate health care services for seniors. |
| Senior Resource Connection | (937) 223-8246 | The SRC is the local administrator of Dayton's Meals on Wheels program, through which volunteers deliver hot lunch meals to area seniors. It also runs the related Senior's Best Friend program, which helps animal-owning seniors save money by providing them with free pet food. |
| Goodwill Easter Seals Miami Valley Medical Equipment Loan | (937) 528-6357 | Wheelchairs, crutches, rollators and other mobility and assistive devices may be borrowed for no cost from this community organization's loan locker. In some cases, program operators can provide home delivery of items. GESMV also runs a free web-streaming service that provides readings of local print media, which can help visually impaired and homebound seniors keep abreast of happenings in the community. |
| Ohio Senior Property Tax Exemption | (800) 282-1780 | Low-income Ohio seniors are eligible to exempt up to $25,000 worth of home value in calculating property taxes on their primary residence. This exemption usually reduces the property tax obligation by roughly $500, although the amount of savings depends on the original home value. |
Determining Your Loved One’s Need for In-Home Care
Aging can be a difficult process, and loved ones may not always ask for help – oftentimes it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.
Guidelines for Talking About In-Home Care
If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.
Frequently Asked Questions
Reviews of Care Providers Nearby
Home Care
Elvina4
5.0
Review of Lavender Home Care Solutions
I have a caregiver to help with just general cleaning right now..The caregiver is always here on designated day and always on time…. We have a very good communication so she knows exactly what to...
Home Care
Nancy B
4.0
Review of Home Instead - Dayton, OH
We used Home Instead services for a year to care for my 98 year old father. What we valued most among their caregivers was their compassion and reliability. It gave us peace of mind to know a...
Home Care
Lisa L
5.0
Review of Home Instead - Dayton, OH
My dad had Home Instead for care for the last 18 months of his life. We all have some great memories of his staff. Vicki and Regina were like part of our family.