Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Northern Cambria, PA, residents and their loved ones rate In Home Care agencies across the 6 options below.
6 Results
1923 Plank Rd, Duncansville, PA, 16635
5.0
(6 reviews)
"When a family member recently needed help, we had a wonderful experience working with Home Instead Duncansville. Both management and staff were very responsive and very caring people. Ms Sheehan and her staff made a very difficult situation less stre..."
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850 Hospital Road, Suite 3000, Indiana, PA, 15701
5.0
(1 reviews)
"I am with VNA Palliative Care at this time. The nurses I have had the pleasure of working with are simply outstanding. They take into account your entire person as they work with you. They are the only ones that keep me goin'.So keep on doin' what yo..."
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900 Porter Ave, Scottdale, PA, 15683
3.0
(2 reviews)
"Guardian Home and Community Services Inc is very good. It started here about a couple of weeks ago and it has worked well so far. The coordinator came right out and spent a lot of time with mom and dad. She was very professional and excellent. She li..."
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351 Budfield Street, Johnstown, PA, 15904
"Providing premier in home care services with our professionally trained caregivers backed by over 30 years of in-field experience, Homewatch..."
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1798 Plank Road, Suite 101, Duncansville, PA, 16635
"Home health care services from Interim allow individuals to stay safe, independent, and engaged while remaining in their own homes. We offe..."
READ MORECaring's Family Advisors are here to help you with questions about senior living and care options.
Home care in Northern Cambria averages $4,080 monthly compared to $4,576 statewide. The national monthly average is $4,481, according to the 2020 Genworth Cost of Care Survey. Comparing cities throughout the state, Erie and Philadelphia home care costs are the same at $4,767. Pittsburgh seniors pay around $4,576 and those in Gettysburg pay $4,481.
Northern Cambria
$4,080
Pennsylvania
$4,576
The United States
$4,481
Erie
$4,767
Pittsburgh
$4,576
Philadelphia
$4,767
Gettysburg
$4,481
It’s important to consider the cost of other types of care, especially for those on a budget. Seniors who prefer to remain in their homes can choose between home care and home health, which have a monthly cost of $4,080 and $4,195. Adult day health, which provides care only during the day, averages $5,417 per month. An assisted living community is around $3,025 and nursing homes, which provide the most intensive levels of care, are $8,973 for a semiprivate room and $9,581 for a private room.
Home Care
$4,080
Home Health Care
$4,195
Adult Day Health
$5,417
Assisted Living
$3,025
Nursing Home Care (semi-private room)
$8,973
Nursing Home Care (private room)
$9,581
Note: Data for Northern Cambria was unavailable, so data for the nearest city, Johnstown, was used instead.
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.
The table below shows free and low-cost resources for seniors in Northern Cambria who want to keep living at home as they age rather than moving into assisted living or a nursing home. There is information on services to help keep heating and cooling systems running efficiently and well as help paying for these costs as well as minor home repairs. Resources for nutrition, including home delivered meals, and socialization are also available.
| Resource | Contact | Service |
|---|---|---|
| Cambria County Area Agency on Aging | (814) 886-4147 | The Cambria County Area Agency on Aging provides programs and services that improve the quality of life and promote independence, dignity and well-being for seniors in the area. These programs include caregiver support, health insurance counseling, protective services, farmer’s market vouchers and home-delivered meals. |
| Weatherization Assistance Program (WAP) | (866) 466-3972 | The Pennsylvania Weatherization Program helps seniors improve the energy efficiency of their homes to save money on energy bills and to increase comfort indoors during the winter. To be eligible, a senior must be at or below 200% of the federal poverty level. Services include modification of an existing heating system or replacement, minor home repairs to increase health and safety, locating leaks throughout the home and installation of insulation in attics, walls, basements and crawl spaces. |
| LIHEAP PA Department of Human Services | (866) 857-7095 | The Low-Income Home Energy Assistance Program (LIHEAP) provides a cash grant to low-income seniors to help them pay for their heating bills. Seniors who face disconnection may apply for crisis grants for immediate assistance. These grants provide a one-time payment that covers energy costs throughout an entire season. These grants typically range from $500 to $1,500. |
| Meals on Wheels for Western PA | (724) 935-1877 | Meals on Wheels provides home-delivered, nutritious meals to older adults in their homes. The program targets those who are unable to prepare their own meals and those who can’t afford groceries on their own. It also provides companionship and health and safety checks for those living alone. |
| Northern Cambria Senior Center | (814) 948-6711 | The Northern Cambria Senior Center provides activities, classes and socialization for seniors aged 60 and older. These activities include arts and crafts, games, exercise, outings and transportation. |
Aging can be a difficult process, and loved ones may not always ask for help – oftentimes it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.
If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.
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