The 10 Best Home Care Agencies for Seniors in Westerville, 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 Westerville, OH, residents and their loved ones rate In Home Care agencies 3.3 out of 5 stars across the 53 options below.

According to the Genworth Cost of Care Survey, home care services in Westerville typically cost $5,625 monthly, almost $700 more than the state and national averages. Seniors pay far less in Youngstown at $4,290 on average and in Springfield at $4,385. Home care services are also more affordable in Mansfield, at $4,576. Cincinnati's home care companies charge more on average, but the city's prices are still about $500 cheaper than in Westerville.

Home health care companies in Westerville charge similar fees to home care companies, despite offering additional services in the form of nursing care. Assisted living facilities, which provide room and board plus help with the activities of daily living, are around $1,540 less costly per month than home care providers. The least expensive senior care option is adult day health care, which is provided in a group setting during daytime hours. Nursing home care is the most costly option due to the 24-hour supervision and skilled care offered. Seniors can expect to pay around $7,490 per month for a semiprivate room in a nursing home.

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.