The 10 Best Home Care Agencies for Seniors in Sapulpa, OK 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 Sapulpa, OK, residents and their loved ones rate In Home Care agencies across the 17 options below.

Sapulpa has an average cost of $4,767 for home care, per the 2021 Genworth Cost of Care Survey, placing it lower than most cities in the state. Compared to Oklahoma’s other major cities, Sapulpa’s average cost for home care is lower than Enid’s, which mirrors the state average of $4,862, and Oklahoma City’s, which reflects the national average of $4,957. However, it’s higher than Lawton’s average by $954 per month.

Home care offers assistance with activities of daily living, including personal care such as bathing and dressing. It also provides help with household tasks, including grocery shopping and meal preparation. Unlike home health, home care doesn’t include medical services typically provided by therapists or registered nurses. Despite this difference, both in-home care services cost the same in Sapulpa. In comparison, assisted living is $912 less per month, while nursing home care is higher by $556, but both senior care options require adults to move to a group residential setting. Adult day health care is significantly less than home care by more than $3,200 but only offers limited services outside the 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 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.