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The 10 Best Home Care Agencies for Seniors in Cary, NC for 2024

As one of the best places for seniors nationwide according to the 2022 Caring Senior Living Report, Cary, North Carolina, ranks 29th out of 302 cities in the Quality of Life Category due in part to its social and civic involvement as well as relatively low crime rates. The local WakeMed Cary Hospital has a large presence in providing emergency and specialist care, and there are many more hospitals in the wider region.

The Genworth Cost of Care Survey 2021 shows an average cost of home care in Cary that’s identical to the national average at $4,957 per month. Seniors who need supervision and assistance from certified personnel pay the same average rate for home health care.

Below we’ve compiled a comprehensive directory of every home care provider in Cary– 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.

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Home Care Agencies in Cary, NC

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Paying for Home Care in Cary, NC

The Cost of Home Care in Cary, NC

Cary’s average monthly cost for senior home care is consistent with the United States overall according to the Genworth Cost of Care Survey 2021, but the local rate is $572 higher when compared to North Carolina as a whole. Seniors nearby in Durham save $190 per month on the same level of care. Looking further afield, in-home services are significantly more affordable to the south in Fayetteville and Goldsboro where costs are lower by $953 and $1,114 per month, respectively.

Cary

$4,957

North Carolina

$4,385

The United States

$4,957

Durham

$4,767

Fayetteville

$4,004

Goldsboro

$3,813

The Cost of Home Care vs. Other Senior Care Options in Cary, NC

Seniors with relatively minor medical requirements can hire home health care workers to assist them. The cost of home health care is identical to basic in-home services in Cary. Adult day health is much more affordable with an average monthly savings of $3,657 when compared to home care, whereas the rate for assisted living is higher by $431. Nursing homes provide the most substantial medical care of these options and come with a cost that’s over $2,000 per month higher than in-home care.

Home Care

$4,957

Home Health Care

$4,957

Adult Day Care

$1,300

Assisted Living

$5,388

Nursing Home Care (semiprivate room)

$6,996

Note: Data for Cary was unavailable, so data for the nearest city, Raleigh, was used instead.

Financial Assistance for Home Care in Cary, NC

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.

Cary 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 Cary:

ResourceContactAddressService
Healthy Home Cary(919) 469-4000316 N. Academy Street, Cary, NC 27513The Town of Cary funds this program with the aim to assist low-income homeowners to carry out basic home improvements to their property to make the home safe for habitation. Priority is given to senior citizens to assist them in safely aging in place in their own homes.  Services offered include correcting hazardous structural conditions, eliminating blight and improving accessibility for disabled residents. Applicants are required to submit proof of income to prove that they qualify for assistance. 
Cary Senior Center(919) 469-4081120 Maury O’Dell Place, Cary, NC 27513The Cary Senior Center is funded by the city of Cary and donations from the local community. The center hosts a variety of social and recreational activities for seniors over the age of 55, including fitness classes, volunteer opportunities, arts and crafts, language classes, educational classes and clubs for seniors. It can be hired as a venue for private celebrations and events. There is no charge for most of the activities at the center but a small donation may be requested to cover costs for some options. 
Go Triangle Regional Transit(919) 485-7433901 Slater Rd Durham, NC 27703Go Cary is the public transport system in Cary and it provides certain transport options specifically for senior citizens. Those who are over the age of 60 can register for door-to-door transport, which is a shared ride service that picks riders up and takes them to specific destinations. There is a small charge for using this service, but financial aid can be arranged if required. Senior discounts are available for using the regular bus routes. All buses are fitted with wheelchair ramps and drivers are trained in assisting those with disabilities. 
Trash Collection Assistance(919) 469-4000316 N. Academy Street, Cary, NC 27513Seniors who are unable to bring their recycling or garbage cans to the curb for pick-up can apply for assistance with this task. A doctor’s letter is required indicating that the senior is physically incapable of moving their own garbage cans. Once the request is approved, assistance will be provided by the collection service on the required days. 

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 in-home care
Checklist for determining the need for in-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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