The 10 Best Home Care Agencies for Seniors in Orem, UT 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 Orem, UT, residents and their loved ones rate In Home Care agencies across the 19 options below.

Orem seniors spend an average of $5,720 per month on home care according to Genworth’s Cost of Care Survey 2021, higher than the national average of $4,957, but only $95 above the Utah median. Orem is one of the most expensive cities in the state for in-home care, matched only by Ogden. Salt Lake City and St. George residents spend less than those in Orem, with rates of $5,625 and $5,148, respectively. Home care is also more affordable in Northern Utah, with Logan seniors spending $4,957 per month, the lowest rate in the state.

Adult day care is the most affordable form of care in Orem at $2,145. Assisted living is also cheaper than in-home care, with residents spending $3,695 per month. Orem seniors are charged the same for home care and home health care, even though the latter offers additional medical services, such as diabetes management and medication administration. Older adults requiring the highest level of care can expect to spend $1,124 per month more than in-home care for skilled nursing.

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.