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The 10 Best Home Care Agencies for Seniors in Chattanooga, TN for 2024

On par with Tennessee state and national averages, Chattanooga residents aged 65 or older account for approximately 16.6% of the population. A significant number of older adults helps ensure funding for senior programs and resources. The area also offers access to nine nearby hospitals, including Erlanger Health Center. Affiliated with the University of Tennessee College of Medicine, the hospital provides emergency treatment and numerous specialty centers, including cancer, orthopedics, and heart and lung. The 2021 Genworth Cost of Care Survey reports that Chattanooga’s monthly in-home care rates average $4,767, which is within $200 of average state and nation monthly costs.

Below we’ve compiled a comprehensive directory of every home care provider in the Chattanooga area – 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 Chattanooga, TN

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Paying for Home Care in Chattanooga, TN

The Cost of Home Care in Chattanooga, TN

Seniors in Chattanooga pay an average of $4,767 per month for in-home care, which is approximately $200 more than the state’s median and $200 less than the nation’s. Chattanooga’s costs are equal to Nashville and $10 more than Knoxville’s monthly rates. Johnson City and Memphis represent the low end of Tennessee’s average costs, at $4,004 and $4,242, respectively. 

Chattanooga

$4,767

Tennessee

$4,576

The United States

$4,957

Knoxville

$4,757

Nashville

$4,767

Memphis

$4,242

Johnson City

$4,004

The Cost of Home Care vs. Other Senior Care Options in Chattanooga, TN

At $1,733 per month, adult day health care is the most affordable long-term care option in Chattanooga. In-home care provided by nonmedical staff is approximately $20 more than the $4,744 average monthly rates for home health care services administered by medical professionals. Assisted living communities offer seniors residential options to help them manage daily activities. Their monthly median is $4,220. A semiprivate room in a skilled nursing facility provides 24/7 comprehensive care, but it’s one of the costliest choices in Chattanooga, averaging approximately $2,500 per month more than in-home care.

Home Care

$4,767

Home Health Care

$4,744

Adult Day Health Care

$1,733

Assisted Living

$4,220

Nursing Home Care (semiprivate room)

$7,325

Financial Assistance for Home Care in Chattanooga, TN

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 Chattanooga, TN

Chattanooga seniors have access to many free and low-cost resources designed to help them continue to live safely and independently in their own homes. Programs may provide food, transportation, in-home care, assistance with utility bills, legal aid and home repairs. Families can contact the agencies below to learn more about what’s available.

ResourceContactService
Southeast Tennessee Area Agency on Aging and Disability(423) 424-4256The organization's knowledgeable specialists help seniors and their families access the resources and programs that best meet their needs. The agency offers caregiver support, home-delivered meals, in-home care services, legal aid and chronic disease management.
Hamilton County Veterans Services Office(423) 209-7884Veterans Service Officers help senior veterans and their families navigate the application process for a variety of state and federal benefits, including service-connected compensation, health care eligibility, mental health treatment, housing assistance and survivor benefits.
Tennessee Low Income Home Energy Assistance Program(866) 674-6327Federally funded through the Department of Health and Human Services, LIHEAP is designed to help senior and disabled residents pay their utility bills. Individuals who meet eligibility guidelines may receive up to $325 for summer cooling and $250 for winter heating costs.

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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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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