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

The monthly cost of home care in the Cincinnati area is about $15 higher than the state average of $4,957, which mirrors the national average. Home care costs in Cincinnati are similar to other cities in Ohio, such as Dayton at $5,434, which is slightly higher. Columbus is the highest in the region for home care costs, while Akron is the lowest. However, all of these regions are far less expensive than other parts of the nation. All things considered, Ohio is a very affordable state for home care services, and towns like Overpeck in the Cincinnati region aren’t much more expensive than the state average.

Home care agencies in the Cincinnati area have the same cost as home health aides, but they’re substantially more expensive than adult day care services by $3,448. However, home care is $2,700 less expensive than nursing home care and $482 more expensive than assisted living. Adult day care programs require travel to recreational centers, while home care services help seniors remain in their own homes. Nursing facilities can be very expensive as they provide extensive staffing, while home care services are more personalized and provide nonmedical assistance in a home environment.

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.