The 10 Best Home Care Agencies for Seniors in Gilbert, AZ for 2024

Located on the outskirts of Phoenix, Gilbert, Arizona, maintains a robust senior community and offers a number of free or low-cost resources and recreation options, such as biking, golfing and hiking. Seniors also have access to dozens of shopping, dining and entertainment venues both in Gilbert and in downtown Phoenix. These benefits help the city earn a spot as one of the best places to retire in Caring’s 2022 Senior Living report. Due to its proximity to the state’s capital, Gilbert shares average home care costs with Phoenix. The city is near many highly rated healthcare facilities, including the Mercy Gilbert Medical Center, Mayo Clinic – Phoenix and Banner-University Medical Center Phoenix.  

According to the Genworth 2021 Cost of Care Survey, the average cost of senior home care in Gilbert is $5,958. Senior home care services are similar to those of home health care, except the latter includes light medical services provided by a licensed medical professional such as a nurse or therapist.

Below we’ve compiled a comprehensive directory of every home care provider in Gilbert– 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.

According to the Genworth 2021 Cost of Care Survey, senior home care costs in Gilbert ($5,958) average $1,000 higher per month than the national average of $4,957 and $600 more per month than the state average of $5,339. Senior home care costs in the northern city of Flagstaff average about $700 more per month than costs in Gilbert, while costs in the southwestern city of Yuma are, on average, $1,668 lower per month. Home care costs in Gilbert are just over $500 more per month than in nearby Tucson and Sierra Vista.

Seniors living in Gilbert have access to numerous senior care options. Nursing home costs are the most expensive, at $6,418 per month. Despite offering additional medical services such as medication management, the average monthly costs for home health care are the same as home care costs. Adult day care services offer the most affordable monthly rates, which are over $3,700 lower than home care services. Assisted living ($3,975) is another affordable option for seniors who don’t require 24/7 care.

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.