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The 10 Best Home Care Agencies for Seniors in Palm Harbor, FL for 2024

Palm Harbor is nestled between St. Joseph Sound and Lake Tarpon. According to the 2021 Census, 28.5% of its 61,366 residents are aged 65+, which is significantly more than the national average of 16.8%. Palm Harbor is a quiet residential city with palm-lined streets, canals, and shops. It typically gets 41 more sunny days than the U.S. average. Several medical facilities serve Palm Harbor’s seniors, including Morton Plant Hospital in nearby Clearwater, and several home health care agencies delivering basic medical care in seniors’ homes. Older residents needing help with everyday tasks, such as bathing and dressing, can call on the region’s home care agencies. Their median monthly fee as per the Genworth Cost of Care 2021 Survey is $4,767, which is average for Florida.

Below we’ve compiled a comprehensive directory of every home care provider in Palm Harbor– 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 Palm Harbor, FL

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Paying for Home Care in Palm Harbor, FL

The Cost of Home Care in Palm Harbor, FL

The Genworth Cost of Care 2021 Survey merges the home care cost data of Palm Harbor and Tampa because the cities are less than 40 minutes apart, resulting in a median monthly fee of $4,767. While this is the same as Florida’s average, it’s below the country’s median of $4,957 — suggesting Palm Harbor seniors could save $2,280 annually when compared to the typical American. Lakeland’s median of $4,576 makes it more affordable, while Orlando shares Palm Harbor’s average fee. Costlier cities in the region include North Port and The Villages, both of which average $5,720.

Palm Harbor

$4,767

Florida

$4,767

United States

$4,957

Lakeland

$4,576

Orlando

$4,767

North Port

$5,720

The Villages

$5,720

The Cost of Home Care vs. Other Senior Care Options in Palm Harbor, FL

Senior care can be medical and nonmedical, with adult day care, home care and assisted living delivering the former. However, only home care delivers one-on-one services in the senior’s home, which is why its median fee of $4,767 is above adult day care ($2,123) and assisted living ($3,350). Home health care is medical, involving registered therapists and nurses, resulting in higher fees of around $4,862. Nursing homes fees for medical care are greater still, at approximately $8,927.

Home Care

$4,767

Home Health Care

$4,862

Adult Day Health Care

$2,123

Assisted Living Facility

$3,350

Nursing Home Facility (semiprivate room)

$8,927

Note: Data for Palm Harbor was unavailable, so data for the nearest city, Tampa, was used instead.

Financial Assistance for Home Care in Palm Harbor, FL

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.

Palm Harbor 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 Palm Harbor:

ResourceContactAddressService
Neighborly(727) 573-944413945 Evergreen Avenue, 4th Floor, Clearwater, FL 33762In Pinellas County, Neighborly operates the Meals on Wheels program, which delivers hot lunches Monday through Friday, providing about 600 calories per meal. All Pinellas County residents can obtain low-cost meals, and certain homebound individuals 60 years of age and older may be eligible for meals at no cost. Along with food, the delivery volunteers also provide wellness checks and opportunities for older adults to socialize. Another offering from Neighborly is a transportation service for seniors.
Pinellas County Community Development(727) 464-8210440 Court Street, 2nd Floor, Clearwater, FL 33756The Community Development office in Pinellas County operates two programs that may be of interest to senior homeowners. Low- and moderate-income homeowners can apply for funding to fix up their property through the Home Repair Loan Program. Additionally, the office’s Independent Living Program gives grants to low-income homeowners, who can put the funds toward rails, wheelchair ramps and other accessibility and safety features.
Gulf Coast Jewish Family and Community Services(727) 479-180014041 Icot Boulevard, Clearwater, FL 33760GCJFCS has a number of offerings for seniors, including a homemaker service for frail older adults that provides help around the house along with companionship. Subsidies for caregivers are available as well. GCJFS also runs a counseling service for the elderly and a friendly caller program that reduces feelings of isolation among seniors through weekly telephone chats. 
Low-Income Home Energy Assistance Program(727) 327-0977333 31st Street North, St. Petersburg, FL 33713Offered by the Pinellas County Urban League, LIHEAP is the umbrella program over three forms of aid. The first makes it easier for low-income households to afford electric and gas bills, with elderly individuals among the prioritized demographics. The second gives assistance during a home energy bill-related crisis, and the third helps with bills when a severe weather emergency is declared.
Area Agency on Aging of Pasco-Pinellas(800) 963-53379549 Koger Boulevard, Suite 100, St. Petersburg, FL 33702The AAAPP helps older adults access community resources and provides assistance with nutrition. It also runs the area’s Serving Health Insurance Needs of Elders program, through which counselors advise seniors about Medicare plans and applications. In-home care is also available through the AAAPP. Additionally, the organization arranges transportation for elders who no longer drive, and it points seniors toward sources of mental and emotional support.

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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