The 10 Best Home Care Agencies for Seniors in Anderson, SC 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 Anderson, SC, residents and their loved ones rate In Home Care agencies 4.9 out of 5 stars across the 19 options below.

Home care in Anderson costs around $4,671 per month, which is $238 higher than the average for the state of South Carolina and around $300 lower than the national average. In the north of the state in Spartanburg, home care is more affordable, costing on average $600 less than in Anderson. Hilton Head Island is less affordable, with home care costing around $900 more than in Anderson. In the center of the state in Columbia, home care is more affordable than in Anderson and slightly below the state average, while in Charleston, it is more expensive. Due to Anderson’s proximity to Greenville, the monthly averages are shared.

Both home care and home health care share the same average cost of $4,671 per month. The care types differ in that home health care includes light medical services. Adult day care is the most affordable option, but seniors need to travel to a community center to access it. On average, assisted living costs about $1,000 less than home care, whereas nursing home care, which includes 24/7 skilled nursing, costs around $2,800 more. 

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.