The 10 Best Home Care Agencies for Seniors in Brentwood, TN 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 Brentwood, TN, residents and their loved ones rate In Home Care agencies 3.2 out of 5 stars across the 44 options below.

On average, Brentwood residents pay $4,767 per month for home care, which is nearly $200 less than the national average of $4,957. The city is located close to Nashville, so home care costs for that city were used to determine the monthly average. The cost in Brentwood is about $200 higher than the state average of $4,576. Comparing nearby cities, home care costs in Chattanooga are the same as in Brentwood. Jackson seniors pay less at $4,195, and Knoxville seniors pay about $10 less per month at $4,757, according to the Genworth 2021 Cost of Care Survey.

Tennessee senior care costs vary from one service to another depending on the level of care. Home care and home health care costs on average $4,767 per month, with home health care including some skilled nursing services. Adult day care is the least expensive option at $1,842 per month, while a semiprivate room in a nursing home offers round-the-clock supervision for around $7,270 per month. Assisted living communities have one of the lowest residential care rates at $4,100.

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.