The 10 Best Home Care Agencies for Seniors in Spartanburg, 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 Spartanburg, SC, residents and their loved ones rate In Home Care agencies 4.5 out of 5 stars across the 28 options below.

Compared to other areas of the United States, home care in Spartanburg is quite affordable, with seniors paying almost $900 less per month than the U.S. average, and more than $350 less per month than the state average. Seniors in nearby Greenville pay $595 more per month for their home care services, and those in Myrtle Beach pay $500 more. Further south in Charleston, home care fees reach a rate about $1000 higher than those in Spartanburg.

Home health care services are around $100 per month more, on average than home care services. For this extra fee, seniors receive some skilled nursing services from certified individuals in addition to the personal care assistance covered by standard home care. Seniors who don’t require nursing services may wish to consider assisted living communities that offer room and board plus help with the activities of daily living, and charge $476 per month less than home care providers. Adult day health care delivered in a community setting is the most affordable senior care option, costing over $2,600 less than home care. Nursing home care fees are about $2600 more than home care for a semiprivate 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.