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The 10 Best Home Care Agencies for Seniors in Annapolis, MD for 2024

Annapolis, Maryland, listed among the best places for active seniors to retire by the 2022 Senior Living Report, is the gateway to the Chesapeake Bay. This state capital is senior-friendly, with a compact, walkable downtown, lower transit fares for senior citizens, and access to countless social amenities. The city is home to numerous state-of-the-art health facilities, including Luminis Health Anne Arundel Medical Center and Kaiser Permanente Annapolis Medical Center. Annapolis is a few miles from Baltimore, so the Genworth 2021 Cost of Care Survey lists Annapolis’ monthly senior care costs as equivalent to Baltimore. Home care is a service for seniors who want to remain in their homes, and it covers assistance with housekeeping and errands as well as tasks related to daily living. Those seniors who need medical care in their homes may choose home health care. According to the Genworth survey, home care in the Annapolis area costs an average of $4,957 per month.

Below we’ve compiled a comprehensive directory of every home care provider in Annapolis– complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

Home Care Agencies in Annapolis, MD

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Paying for Home Care in Annapolis, MD

The Cost of Home Care in Annapolis, MD

According to the Genworth 2021 Cost Care Survey, the monthly median cost of home care in Annapolis is $4,957 — equivalent to the national average. The city shares similar averages with other nearby regions such as Parole. Annapolis’ rates are $191 lower than the state’s monthly median costs. The city’s residents also enjoy more affordable home care costs than in areas like Hagerstown, which is somewhat more expensive. One of the lowest rates is in the community of California in the southeast area of the state.

Annapolis

$4,957

Maryland

$5,148

The United States

$4,957

Parole

$4,957

California

$4,576

Hagerstown

$5,148

The Cost of Home Care vs. Other Senior Care Options in Annapolis, MD

Monthly home care costs are around $96 lower than home health care rates in Annapolis. Conversely, home care rates are approximately $3,030 higher than monthly adult day care costs. The latter is offered outside the home at community locations, and is available only during weekday business hours. Seniors in assisted living facilities in Annapolis pay $207 less than those who opt for home care, while those who prefer nursing home care spend more by around $5,841 for a private room.

Home Care

$4,957

Home Health Care

$5,053

Adult Day Care

$1,927

Assisted Living

$4,750

Nursing Home Care (semiprivate room)

$10,798

Note: Data for Annapolis was unavailable, so data for the nearest city, Baltimore, was used instead.

Financial Assistance for Home Care in Annapolis, MD

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.

Annapolis Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Annapolis:

ResourceContactAddressService
Rebuilding Together(410) 923-9992819 Ritchie Hwy, Suite 2000, Severna Park, MD 21146Rebuilding Together is a non-profit volunteer organization that is community funded. The aim of the program is to provide home repairs and modifications for residents in need. Priority is given to senior citizens and disabled people who meet income requirements and are unable to do the work themselves. Volunteers and professional builders freely give their time to ensure that residents can continue to live in their homes safely and independently. There is no charge for minor repairs and modifications.
Senior Center(410) 222-1818119 South Villa Avenue, Annapolis, MD 21401The Senior Activity Center in Annapolis is operated by the Department of Aging and Disabilities. A number of activities are offered at the center, including arts and crafts, fitness classes, social events and computer classes. The center offers regular outings to local attractions and events. Lunch is served on a daily basis and there is no charge for the meal, but donations are appreciated. All activities at the center are offered for free, but there is a small charge for attending the off-site outings. 
Weatherization Assistance Program1-855-583-89767800 Harkins Road, Lanham, MD 20706The Weatherization Assistance Program is operated by the Department of Housing and Community Development. The aim of the program is to assist eligible low-income households to reduce their energy costs through the installation of energy conservation measures. Priority is given to the elderly, disabled citizens and families with young children. Some of the assistance offered by the program include attic insulation, retrofitting lighting, furnace repairs and replacements and blower door air infiltration reduction. There is no charge for any of the improvements. 

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
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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

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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