The 10 Best Home Care Agencies for Seniors in Mill Creek, 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 Mill Creek, WA, residents and their loved ones rate In Home Care agencies 4.1 out of 5 stars across the 35 options below.

Seniors in Mill Creek pay an average of $6,769 per month for home care, which is about $222 higher than Washington's statewide average and $1,812 higher than the national median. Bremerton offers home care for a lower monthly rate of $6,673, while seniors in Bellingham pay about $286 less than those in Mill Creek. Prices drop even further in Spokane, where home care is offered for $6,387 per month. Yakima carries one of the lowest monthly rates in the state at $5,958. 

Seniors requiring skilled nursing services can access home health care for the same monthly rate as nonmedical home care at $6,769. For a more affordable option, Mill Creek offers adult day health care for about $2,600 per month. Assisted living is a long-term residential care option for mostly independent seniors needing some daily living assistance; it costs about the same as home care at $6,750 per month. Mill Creek also offers nursing home care, an alternative residential care option providing 24-hour skilled nursing, for a higher monthly rate of $9,916.

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.