The 10 Best Home Care Agencies for Seniors in Gahanna, 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 Gahanna, OH, residents and their loved ones rate In Home Care agencies 5.0 out of 5 stars across the 44 options below.

According to the Genworth Cost of Care Survey, the cost of home care in Gahanna is high compared to both the state and national average of $4,957 per month. In Dayton, care is around $200 less, while costs in Canton drop even lower to $4,814 monthly. To the north in Mansfield, care averages $4,576 per month, and Springfield offers even more affordable options, averaging $4,385 per month for full-time services.

Both home care and home health care in Gahanna share the same monthly average cost of $5,625, despite home health care also providing medical services. More affordable care is available in the form of assisted living, where seniors typically receive around-the-clock support from trained caregivers for $4,085. Those looking for further savings may opt for adult day health care, which provides daily assistance and medical supervision in a community setting for significantly less than the cost of home care, averaging $1,733 per month. The most expensive type of care in Gahanna is nursing home care, which provides 24/7 medical supervision for an average of $7,490 in 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 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.