The 10 Best Home Care Agencies for Seniors in Easley, 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 Easley, SC, residents and their loved ones rate In Home Care agencies across the 27 options below.

The Genworth Cost of Care Survey shows that home care clients in Easley pay $4,671 per month for full-time care, making this city among the more expensive places in South Carolina for services. By comparison, the national rate is several hundred dollars higher at $4,957, but the statewide norm is lower at $4,433. In Columbia, agencies charge about $300 less for services than in Easley, and in Florence, rates are even lower at $4,195. In Spartanburg, home care clients pay $600 less for care than those in Easley, but in Sumter, rates are considerably higher at $4,957.

In Easley, home care agencies charge $4,671 per month. This is about $3,300 over the cost of adult day health care, which features personal care services and meals in a community setting. Seniors in assisted living pay about $3,743 per month for housing and a similar scope of care, but those living in nursing homes pay considerably higher monthly rates of $7,543. For seniors who need skilled nursing at home, home health care costs the same as home care.

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.