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The 10 Best Home Care Agencies for Seniors in Denver, CO for 2024

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Home Care Agencies in Denver, CO

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Paying for Home Care in Denver, CO

The Cost of Home Care in Denver, CO

Denver is among the costlier places in Colorado and the United States to obtain in-home care, with the Genworth 2021 Cost of Care Survey showing that monthly home care costs average $6,769 compared to respective state and national rates of $6,387 and $4,957. In Fort Collins, where rates are the second-highest in the state, monthly fees are hundreds of dollars less than in Denver at $6,101. Care costs in Colorado Springs come in at $5,768, and in Greeley, residents pay $5,625 for services. Pueblo seniors pay some of the lowest rates in the state at $5,268.

Denver

$6,769

Colorado

$6,387

The United States

$4,957

Greeley

$5,625

Fort Collins

$6,101

Colorado Springs

$5,768

Pueblo

$5,268

The Cost of Home Care vs Other Senior Care Options in Denver, CO

Home care agencies in Denver charge $6,769 per month for nonmedical care, and home health care agencies charge slightly higher rates of $6,864 for skilled nursing services. Adult day health care is a cost-friendly alternative to home-based care and costs approximately $2,275 per month. Seniors in assisted living pay $5,550 for services, and nursing home residents in semiprivate rooms pay a monthly average of $8,669.

Home Care

$6,769

Home Health Care

$6,864

Adult Day Health Care

$2,275

Assisted Living Facility

$5,500

Nursing Home Facility (semiprivate room)

$8,669

Financial Assistance for Home Care in Denver, CO

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 Denver, CO

Home care costs in Denver are relatively high, but fortunately, seniors can obtain in-home care and supportive services through numerous nonprofit agencies and programs. The following programs and services can supplement or replace private-pay home care and help older adults reduce their monthly care costs while getting the support they need to age in place.

ResourceContactService
Senior Centers3-1-1There are 31 senior centers in Denver, providing older adults with access to social and recreational programs that may help those who live alone to avoid loneliness. These centers also serve as nutrition sites where older adults enjoy congregate meals, and many provide referrals for resources in the community.
Area Agency on Aging(303) 455-1000The Area Agency on Aging operates the Case Management/Options Counseling Program, which can help seniors find the programs and services they need to stay in their homes. It also operates the ADRC for the region, which serves as a single entry point for all state and federal benefits for seniors.
Senior Property Tax Exemption(720) 913-4162The senior property tax exemption is available to those aged 65 and over in Denver. This exemption applies to 50% of the first $200,000 of the actual value of the individual's primary residence. This program may reduce what seniors pay for housing expenses and enable some to remain in their homes.
Meals on Wheels(303) 297-0408Meals on Wheels delivers healthy, fresh meals 6 days per week to housebound seniors throughout the Denver metro. All meals are low in cholesterol and fat and provide a third of seniors' daily nutritional needs. Meals are free, but seniors are encouraged to give donations based on what they can afford.
Energy Resource Center(720) 236-1321ERC is a nonprofit construction agency that provides free energy efficiency improvements for low-income individuals in Denver. Some services the organization provides include HVAC upgrades, insulation installation and air sealing. This can improve the home’s comfort while lowering energy bills. Homeowners and renters may both qualify for this program.

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.

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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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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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