The 5 Best Home Care Agencies for Seniors in Morrow, 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 Morrow, OH, residents and their loved ones rate In Home Care agencies across the 9 options below.

Based on Morrow’s proximity to Cincinnati, the two cities share the same cost data. This means home care services cost an average of $5,148 per month, which is $191 higher than the state median and U.S. national average of $4,957. Home care costs in Lima are also on par with this number, and Springfield is an even more affordable option at $4,385. However, home care rates in Morrow are nearly $300 less expensive than in Dayton and over $470 lower than in the state capital, Columbus.

Seniors and their families may wish to explore additional care options. While home care and home health care allow seniors to age in place, assisted living is a less expensive option at $4,666 per month. Adult day health care is the most affordable option at $1,609, though it only includes part-time supervision and limited care services. Individuals who require a high level of specialized assistance may opt for nursing home care, where rates average $7,848 for semiprivate rooms.

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.