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The 10 Best Home Care Agencies for Seniors in Eagan, MN for 2024

With age-friendly recreational amenities, low crime rates and affordable health care, Eagan offers a welcoming environment for older adults, an age group that accounts for 14% of its estimated 68,000 residents. A reliable public transportation system provides discounted fares for older adults, helping them navigate the city without relying on private vehicles, and nearly four dozen hospitals are located in range for those managing chronic health conditions. The city also has several home care agencies that provide nonmedical services such as personal care, meal preparation and light housekeeping. These agencies charge $7,055 per month for full-time care. This is the same monthly rate seniors typically pay for home health care, which includes a limited range of skilled nursing services. 

Below we've compiled a comprehensive directory of every home care provider in the Eagan 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.

Home Care Agencies in Eagan, MN

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Paying for Home Care in Eagan, MN

The Cost of Home Care in Eagan, MN

The Genworth 2021 Cost of Care Survey reports that home care agencies in Eagan charge $7,055 per month for full-time care. This is hundreds of dollars higher than the Minnesota average of $6,673 and about $2,100 over the national norm. Rates in Rochester are considerably higher at $7,627, but care costs in other surveyed cities may be more economical. In St. Cloud, monthly fees are about $1,000 less than in Eagan, and seniors in Duluth pay about $1,200 less than in Eagan. In Mankato, care costs are lower at $5,720.

Eagan

$7,055

Minnesota

$6,673

United States

$4,957

Rochester

$7,627

Mankato

$5,720

St. Cloud

$6,038

Duluth

$5,815

The Cost of Home Care vs. Other Senior Care Options in Eagan, MN

Home care agencies in Eagan charge $7,055 per month for nonmedical care. Home health care includes limited medical services provided by licensed nurses and is available for the same average monthly rate, though some agencies may charge more for specialized services. Seniors in assisted living pay about $1,900 less per month for care, and those who attend adult day health care save about $4,950 over those who arrange private care. Even so, nursing home rates exceed the cost of home care at $11,708 per month.

Home Care

$7,055

Home Health Care

$7,055

Adult Day Health Care

$2,102

Assisted Living

$5,163

Nursing Home Facility (semiprivate room)

$11,708

Note: Data for Eagan was unavailable, so data for the nearest city, Minneapolis, was used instead.

Financial Assistance for Home Care in Eagan, MN

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

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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