The 5 Best Home Care Agencies for Seniors in Mount Saint Joseph, 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 Mount Saint Joseph, OH, residents and their loved ones rate In Home Care agencies across the 7 options below.

The average monthly cost of home care is the same for Ohio and the United States: $4,957. This is slightly less than Mount Saint Joseph’s median monthly cost of $5,148. North in Springfield, the average fee decreases to $4,385. Further north in Mansfield, the average cost of monthly home care is $4,576, which is $572 lower than in Mount Saint Joseph. Seniors in Cleveland pay around $5,196 each month for in-home care, which is similar to their peers in Mount Saint Joseph. At $5,625 per month, median home care costs are higher in the state capital of Columbus

In Mount Saint Joseph, home care, which typically includes assistance with day-to-day activities and personal care, averages the same as home health care, which includes medical care, such as skilled nursing. Each type of in-home care costs an average of $5,148 per month. Prices are lower for adult day health care and residential assisted living, with average monthly rates of $1,690 and $4,666, respectively. At roughly $7,848 per month, a semiprivate room in a nursing home is $2,700 pricier than home care.

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.