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4.9
(66 reviews)
"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...."
READ MOREThe 10 Best Home Care Agencies for Seniors in Germantown, OH for 2025
Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Germantown, OH, residents and their loved ones rate In Home Care agencies across the 12 options below.
Home Care Services in Germantown, Ohio
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3.9
(31 reviews)
"I am using HomeCare.com for Mom. They're courteous, on time, knowledgeable on the things they need to do, and very much a caring group of people. They are good at following up. They call ahead and kind of follow up as necessary. They're good for all ..."
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4.7
(4 reviews)
"Day to Day Homecare had supported my wife for over a year. In fact, she was there holding her hand when my wife passed away. I'd like to keep her online, so she continues to see me. She comes to the house five days a week. That's how much I thought a..."
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"The Black Stone Family of Home Care Services, through a variety of care options, meets in-home care needs of the elderly and disabled. Our 5..."
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"Home health care services from Interim allow individuals to stay safe, independent, and engaged while remaining in their own homes. We offe..."
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"It's your home. Its your health. It should be YOUR choice. We believe that patients have the right to choose the level of care they get and ..."
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"We are in our 10th year of serving Northern Hamilton and Southern Butler Counties. We recognize that few things are more important to you th..."
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" We know your first priority when choosing a home care provider is finding someone you can trust and rely on"¦ someone who will care for you..."
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"Anderson Senior Care Angels offers senior care services (non medical) in Dayton, OH and surrounding areas. Our eldercare services includ..."
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Paying for Home Care in Germantown, OH
The Cost of Home Care in Germantown, OH
Germantown residents pay an average monthly cost of $5,434 for home care, which is several hundred dollars more than the state and national averages of $4,967. Columbus residents pay the most for home care in Ohio at $5,625 per month, while prices drop to $4,051 in Akron. Residents of Mansfield and Canton pay averages of $4,576 and $4,814, respectively.
Germantown
$5,434
Ohio
$4,967
The United States
$4,967
Columbus
$5,625
Akron
$4,052
Mansfield
$4,576
Canton
$4,814
The Cost of Home Care vs. Other Senior Care Options in Germantown, OH
Although the most cost-effective senior care option in Germantown is adult day care at an average of $1,733 per month, this option isn’t for everyone because care is only available on weekdays. Those requiring access to 24/7 care pay the most, with nursing homes costing an average of $8,091 for a semiprivate room. Assisted living averages $4,250 for those not requiring a nursing home level of care, while those who prefer to age in place average $5,434 for home care and home health care.
Home Care
$5,434
Home Health Care
$5,434
Adult Day Health Care (State)
$1,733
Assisted Living Facility
$4,250
Nursing Home Facility (semiprivate room)
$8,091
Note: Data for Germantown was unavailable, so data for the nearest city, Dayton, was used instead.
Financial Assistance for Home Care in Germantown, 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.
Germantown Home Care Resources
Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Germantown:
| Resource | Contact | Address | Service |
|---|---|---|---|
| Home Weatherization Assistance Program (HWAP) | (937) 341-5000 | 719 S. Main St., Dayton, OH 45402 | This program helps seniors who rent or own their own homes make weatherization improvements that create a more comfortable living space and lower heating and cooling bills. Services can include weather stripping, insulation installation, inspections of equipment and repair or replacement of equipment. In order to be eligible, residents must have an income at or below 200% of the federal poverty level. Applications are processed by the Miami Valley Community Action Partnership. |
| Dayton Fund for Home Rehabilitation | (513) 351-7921 | 4612 Paddock Rd., Cincinnati, OH 45229 | People Working Cooperatively is a non-profit charitable organization that helps seniors in Germantown make repairs and modifications to their homes so that they can age in place gracefully. Its Modifications For Mobility program helps low-income residents install ramps, chair lifts, handrails and various bathroom modifications. Homeowners can determine their eligibility for PWC by contacting the organization directly. |
| Senior Nutrition Program | (937) 223-8246 | 222 Salem Ave., Dayton, Ohio 45406 | The Senior Resource Connection offers a Meals-on-Wheels program to seniors in Germantown as well as the eight counties that make up the Miami Valley. Not only do volunteers of this program deliver nutritious and satisfying meals, but they provide some friendship and company. To be eligible for this program, seniors must be aged 60 or over and unable to prepare their own meals. Hot meals are delivered between 10:30 am and 2:00 pm five days a week. |
| Ohio Homestead Exemption | (937) 225-6024 | 451 W. Third St., Dayton Ohio 45422 | Low-income seniors in Germantown may be able to save money on their property tax through Ohio’s homestead exemption program. In order to qualify, homeowners must be aged 65 and over and have a Modified Adjusted Gross Income at or below a certain level. The exact income changes from year to year. The exemption, which takes the form of a tax credit on the property, is worth up to $25,000. Seniors in Germantown can apply for this exemption with the Montgomery County Auditor in Dayton. |
| ComCare | (937) 223-HELP | 40 W. Second St., Suite 400, Dayton, OH 45402 | Offered by the Area Agency on Aging for West Central Ohio, the ComCare program provides respite for caregivers in Germantown who need a break from their normal duties. In order to qualify, the senior family member must be at least 60 years old. Families can request an in-home assessment at no charge, and services are priced on a sliding scale according to income level. Some families may receive no charge. Since there are limited funds for this program, some seniors may be put on a waitlist. |
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 – often times 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.
