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The 10 Best Home Care Agencies for Seniors in Decatur, IL for 2024

Decatur is a small city in Macon County,  Illinois. It lies halfway between Springfield and Champaign, giving residents access to big town amenities, including stores, parks, restaurants, banks and places of worship. The area experiences relatively favorable climatic conditions, with an average of 199 sunny days a year. Decatur has a population of 69,646, with 20.3% of residents aged 65 and above — significantly higher than the national average of 16.8%. Seniors in Decatur can also access quick and high-quality medical services from nearby health facilities and hospitals, including Decatur Memorial Hospital, HSHS St. Mary’s Hospital, and Springfield Memorial Hospital.

According to the 2021 Genworth Cost of Care Survey, home care costs in the city average $4,767 per month. Home care services differ from health care as it only involves personalized support with daily living activities such as personal hygiene and grooming. Home health care includes light medical services from licensed professionals.

Below we’ve compiled a comprehensive directory of every home care provider in Decatur– 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 Decatur, IL

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Paying for Home Care in Decatur, IL

The Cost of Home Care in Decatur, IL

Monthly home care costs in Decatur are affordable compared to the Illinois state average. They’re also slightly lower than the national average of $4,957. Decatur shares similar monthly home care costs with several cities within a 15-mile distance, including Dalton City. Care costs in Decatur are slightly lower than in the state’s capital Springfield and significantly lower than in Chicago. Decatur has higher monthly home care costs than Mount Vernon. Below is a summary of Decatur’s monthly home care costs compared to other places. 

Decatur

$4,767

Decatur

$5,339

The United States

$4,957

Dalton City

$4,767

Springfield

$5,100

Chicago

$5,672

Mount Vernon

$4,576

The Cost of Home Care vs. Other Senior Care Options in Decatur, IL

Decatur offers senior care options, including home care, home health care, assisted living and nursing home care. Monthly home health care services are over $200 higher than home care services, which are nonmedical in nature. Assisted living is the most affordable care option at $4,382 per month, over $300 less than the cost of home care. Nursing home care is one of the most expensive senior care options, costing over $1,600 more than monthly home care.

Home Care

$4,767

Home Health Care

$5,005

Assisted Living

$4,382

Nursing Home Care (semiprivate room)

$6,418

Financial Assistance for Home Care in Decatur, IL

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.

Decatur 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 Decatur:

ResourceContactAddressService
The Illinois Home Weatherization Program(217) 788-46632870 N. Main St., Decatur, IL 62526This program helps eligible residents with services such as HVAC repair or replacement, water heater repair and insulating walls. Seniors need to meet certain income requirements and cannot earn more than 150% of the federal poverty line. The maximum amount awarded to complete weatherization work or repairs is $15,000 per qualifying home.
Community Care Program(217) 423-65501221 East Condit Street, Decatur, Illinois 62521The Macon County Health Department provides those who qualify with Comprehensive Care Coordination, a community program geared toward further supporting the independence of Decatur seniors. Unique, personalized care plans are developed for seniors during in-home assessments, and regular follow-up appointments are made to track progress. Residents must be 60 years old or more and reside in Macon County to receive support.
Meals on Wheels(217) 422-6611247 W. Prairie Street, Decatur, IL 62523Volunteers from Meals on Wheels deliver nutritious food to homebound seniors in the Decatur area five days a week between the hours of 10:30 am to 12:30 pm. Special care is taken to prepare meals that are suitable for those suffering from heart health issues and diabetes. Meals on Wheels will accommodate special diets such as renal or low lactose as well. To qualify for assistance, Macon county residents must be at least 60 years of age and homebound. Some disabled residents under the age of 60 may also be eligible, granted they are receiving care through the department of rehabilitation services. Individuals are encouraged to contact Meals on Wheels over the phone to make a referral Monday through Friday between 8:30 am and 4:30 pm.
Decatur VA Clinic(217) 362-54423792 North Sunnyside Road, Decatur, IL 62522-1156This clinic provides a variety of primary care services for senior veterans. Family or individual counseling is offered while behavioral health programs such as QuitSmart Smoking Cessation aim to help veterans live life to the fullest. The clinic is completely wheelchair-accessible and parking is free. Decatur VA Clinic is open Monday through Friday from 7:45 am to 4:15 pm. For convenience, most recurring prescriptions can be processed by mail or online.

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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