The 10 Best Home Care Agencies for Seniors in Seneca, 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 Seneca, SC, residents and their loved ones rate In Home Care agencies 4.7 out of 5 stars across the 18 options below.

At $4,000, Seneca’s average home care costs are more affordable than most. According to the 2020 Genworth Cost of Care Survey, they’re lower than the state and national averages, which were found to be $4,076 and $4,481, respectively. Seneca’s seniors also pay less than their peers in Columbia where costs average $4,242. However, some cities are more competitive, such as Florence at $3,966 and Spartanburg at $3,905.

Almost $100 separates the costs of home and home health care with the latter’s additional fees reflecting the provision of registered medical professionals delivering care at the senior’s home. The most affordable type of care in Seneca is in adult day centers where seniors can expect to pay around $1,343 per month. Assisted living can be a cost-effective option for seniors who need care but are prepared to move out of their homes. Those who require 24/7 support will need to budget around $7,730, the average fee for a semiprivate nursing home room.

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.