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The 10 Best Home Care Agencies for Seniors in Mercer Island, WA 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 Mercer Island, WA, residents and their loved ones rate In Home Care agencies across the 45 options below.

Home Care Services in Mercer Island, Washington

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Paying for Home Care in Mercer Island, WA

The Cost of Home Health Care in Mercer Island, WA

At $6,673 per month, home care in Mercer Island is slightly higher than the state average of $6,547, and considerably more than the U.S. average of $4,957, according to the 2021 Genworth Cost of Care Survey. When comparing the cost of home care with nearby cities, the monthly cost on Mercer Island is lower than Seattle, which averages $6,769, and is on par with prices in Olympia, estimated at $6,673 per month. Mercer Island’s home care cost is higher than Longview, where the average monthly expenditure is $6,054. 

Mercer Island

$6,673

Washington State

$6,547

United States

$4,957

Seattle

$6,769

Olympia

$6,673

Longview

$6,054

The Cost of Home Care vs. Other Senior Care Options in Mercer Island, WA

Mercer Island offers seniors a variety of options tailored to their individual needs. Assisted living facilities are the most budget-friendly choice for seniors, averaging $5,750 per month. In-home care is the next most affordable option. At around $6,673 per month, it allows seniors to remain in the comfort of their own homes. Home health care, which includes medical services from live-in or visiting nurses or therapists, is higher at $7,007 a month. Nursing homes, at $10,479 for a semiprivate room, are suitable for seniors who require 24/7 medical attention.

Home Care

$6,673

Home Health Care

$7,007

Assisted Living

$5,750

Nursing Home Care (semiprivate room)

$10,479

Note: Data for Mercer Island was unavailable, so data for the nearest city, Bremerton, was used instead.

Financial Assistance for Home Care in Mercer Island, WA

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.

Free & Low-Cost Home Care Resources in Mercer Island, WA

Seniors in the Mercer Island area have a wide range of free and low-cost services available to them. These resources enhance the quality of life of seniors, offering support for home modifications, energy savings, meal services and more. 

ResourceContactService
King County Home Repair Program(206) 263-9105This program provides a beneficial service to Mercer Island residents by assisting with minor home repairs. It's an excellent resource that supports seniors in keeping their homes comfortable and safe, contributing to their overall quality of life.
King County Housing Authority Weatherization Program (206) 214-1240Eligible Mercer Island seniors can access the King County Housing Authority's free weatherization program. It provides energy-saving upgrades such as insulation installs and furnace repairs to help seniors lower their home energy costs.
Senior Property Tax Exemption (206) 296-3920King County, where Mercer Island is located, offers a property tax exemption for seniors. This can significantly reduce housing costs for eligible seniors based on age, income and ownership criteria.
Utilities Service Discounts Low Income Program(206) 275-7602Mercer Island offers a Utilities Service Discounts program that supports low-income residents, including seniors receiving in-home care. Eligible applicants can receive a substantial 75% reduction on charges for city water, sewer line maintenance and stormwater. Additionally, Medicaid-eligible residents receiving in-home care may have Emergency Medical Services charges reduced.
Mercer Island Meals on Wheels(206) 448-5767 or (888) 308-6325This service delivers nutritious meals to seniors who are unable to cook or shop for themselves. It's a key resource for seniors who need a little extra help at home. The service may include the Mobile Market, which offers free delivery of liquid supplements.
Jewish Family Service(206) 461-3240Serving people from all backgrounds, Jewish Family Service provides comprehensive services for older adults, including transportation and counseling. One of the goals of this nonprofit's services is to encourage healthy aging in place.
Mercer Island Senior Services(206) 275-7752Part of Youth & Family Services, this program exists to help residents age 60 and over live their best lives. It offers individualized care plans and resources for age-related issues. Consultations are also available to assist and educate seniors' adult children.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Frequently Asked Questions

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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