The 10 Best Home Care Agencies for Seniors in Chattanooga, TN for 2025

Seniors in Chattanooga pay an average of $4,767 per month for in-home care, which is approximately $200 more than the state’s median and $200 less than the nation’s. Chattanooga’s costs are equal to Nashville and $10 more than Knoxville’s monthly rates. Johnson City and Memphis represent the low end of Tennessee’s average costs, at $4,004 and $4,242, respectively. 

At $1,733 per month, adult day health care is the most affordable long-term care option in Chattanooga. In-home care provided by nonmedical staff is approximately $20 more than the $4,744 average monthly rates for home health care services administered by medical professionals. Assisted living communities offer seniors residential options to help them manage daily activities. Their monthly median is $4,220. A semiprivate room in a skilled nursing facility provides 24/7 comprehensive care, but it’s one of the costliest choices in Chattanooga, averaging approximately $2,500 per month more than in-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 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.