The 10 Best Home Care Agencies for Seniors in Coatesville, PA 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 Coatesville, PA, residents and their loved ones rate In Home Care agencies across the 55 options below.

In Coatesville, the Genworth Cost of Care Survey reports that home care agencies charge $5,339 per month for full-time care, which exceeds state and national norms by about $380. The city is a costly place to obtain this level of care compared to other surveyed cities in the region, including Lebanon, where rates are about $100 less, and York, where seniors spend about $570 less. In Reading, rates are comparatively competitive at $4,576, and in Bloomsburg, care costs fall about $1,100 lower than in Coatesville.

Home care costs $5,339 per month in Coatesville, which is moderate compared to other senior care options. Older adults who attend adult day health care pay about $3,500 less per month than those who receive private in-home care. However, home care costs about $95 less than home health care, which includes skilled nursing. Seniors who live in assisted living facilities pay slightly higher monthly rates of $5,550 for residential care, and nursing homes charge base monthly rates of $11,528.

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.