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The 10 Best Home Care Agencies for Seniors in Fernandina Beach, FL for 2024

Fernandina Beach is a beautiful seaside city in Florida located just north of Jacksonville. Its population of over 13,199 includes about 4,422 seniors aged 65+, accounting for 33.5% of all residents — much higher than the national average of 16.8%. In addition to its leading health care facilities, such as the Baptist Medical Center Nassau, seniors may appreciate the city’s exceptionally comfortable winters, with average low temperatures sitting at a balmy 44.3 degrees compared to the national average of 21.7. Home care is reasonably priced in Fernandina Beach at $4,481 for personal care services, while seniors requiring medical treatment or nursing attention may find home health care more suitable for their needs.

Below we’ve compiled a comprehensive directory of every home care provider in the Fernandina Beach 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 Fernandina Beach, FL

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Paying for Home Care in Fernandina Beach, FL

The Cost of Home Care in Fernandina Beach, FL

Home care costs vary throughout Florida depending on the location, according to Genworth’s Cost of Care Survey. Fernandina Beach’s monthly cost of $4,481 for home care is slightly lower than the state average of $4,767 and the national rate of $4,957. Naples is one of Florida’s most expensive areas to access home care at $5,720 — a price point it shares with North Point. Miami is priced more generously at $4,195, and Homosassa Springs can save seniors over $200.

Fernandina Beach

$4,481

Florida

$4,767

United States

$4,957

Naples

$5,720

North Point

$5,720

Miami

$4,195

Homosassa Springs

$4,273

The Cost of Home Care vs. Other Senior Care Options in Fernandina Beach, FL

Home care might be ideal for seniors who don’t want to move, but there are also other options. Home health care is similarly priced at $4,767 but includes medical services provided by licensed nurses and therapists, potentially making it ideal for people managing chronic conditions or recovering from injuries and illnesses. Adult day health care costs $1,625 and may be suitable for seniors with less need for assistance, whereas nursing homes costs $8,213 but can handle more complex health care needs. Assisted living communities have an average cost of $4,660 monthly.

Home Care

$4,481

Home Health Care

$4,767

Adult Day Health Care

$1,625

Assisted Living

$4,660

Nursing Home Care (semiprivate room)

$8,213

Note: Data for Fernandina Beach was unavailable, so data for the nearest city, Jacksonville, was used instead. 

Financial Assistance for Home Care in Fernandina Beach, FL

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 Fernandina Beach, FL

Nonprofit organizations offer many services and programs in Fernandina Beach, FL, that can help seniors live independently and comfortably at home. The following free resources may provide helpful information and assistance to families and their loved ones.

ResourceContactService
Nassau County Council on Aging(904) 261-0701NCCOA provides prepared meals, medical screenings and case management for seniors living at home. The organization also offers information to family caregivers and a respite program to help them take breaks from their caregiving commitments.
Elder Source(888) 242-4464Elder Source is the Area Agency on Aging for Northeast Florida, making it a vital source of information about home care and services for seniors in Fernandina Beach. The agency provides caregiver support and can assist seniors with determining eligibility for financial assistance and government programs.
Nassau County Veterans Services(904) 548-4600Nassau County Veterans' Service Office assists seniors in determining their eligibility for veterans' benefits. It can also provide information about home care, assistance to family caregivers and referrals to other government agencies and programs that may match seniors' needs.
Nassau County Homestead Exemption(904) 491-7300 (Nassau County Property Appraiser)Seniors who own their home may be eligible for Florida's homestead tax exemption of up to $50,000, which can help reduce expenses. Seniors will need to provide documents such as a Florida driver's license with their permanent address to prove their identity and eligibility.
Northeast Florida Community Action Agency(904) 261-0801 (Nassau County Office)The NFCAA offers several services for seniors, including a weatherization assistance program to reduce household expenses associated with heating and cooling and energy bill payment relief for low-income seniors at risk of electricity disconnection. The agency also provides information to help seniors maintain self-sufficiency.
Florida Department of Elder Affairs(850) 414-2000Florida Elder Affairs helps seniors access services such as the long-term care ombudsman and legal aid. It also provides information about nutrition, dementia and community-based services for seniors and operates helplines for elder abuse prevention and general inquiries.

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.Contains flex elementsImage width (percent):85

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.  
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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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