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The 10 Best Home Care Agencies for Seniors in Hartford, CT for 2024

Listed as one of the best cities to retire in Caring’s 2022 Senior Living Report, Hartford, Connecticut, is ideal for seniors looking to live in a historic city. It’s located near some of the best hospitals in New England, including Hartford Hospital and Trinity Health of New England. Hartford has also been recognized as one of the best cities to live for individuals of all ages and ranks #11 for quality of life. According to the 2021 Genworth Cost of Care Survey, residents in Hartford pay an average of $5,329 for home care, which provides personal support services and shouldn’t be confused with home health care, as it provides skilled medical services by licensed professionals.

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

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Paying for Home Care in Hartford, CT

The Cost of Home Care in Hartford, CT

Monthly home care costs in Hartford are slightly higher than in most other parts of Connecticut. At $5,329 a month, it is slightly more expensive than the state average. The cost of home care in Hartford is approximately the same as in the Norwich Area in western Connecticut. However, it is more expensive than the New Haven Area to the south and the Bridgeport Area to the southeast. All major care areas in Connecticut are more expensive than the national average.

Hartford

$5,329

Connecticut

$5,243

The United States

$4,957

Norwich

$5,506

New Haven

$5,243

Bridgeport

$5,339

The Cost of Home Care vs. Other Senior Care Options in Hartford, CT

Home care costs in Hartford are about $300 more expensive than assisted living. In-home health care, which includes services provided by licensed medical professionals, is over $7,000 less than a semiprivate room in a skilled nursing home care facility. Adult day health care is another option and costs almost $4000 less than in-home care. However, it requires access to transportation.

Home Care

$5,329

Home Health Care

$5,577

Adult Day Care

$1,896

Assisted Living

$5,225

Nursing Home Care (semiprivate room)

$13,247

Financial Assistance for Home Care in Hartford, CT

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.

Hartford 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 Hartford:

ResourceContactAddressService
Rebuilding Together Hartford Inc.(860) 757-9425P.O. Box 230295, Hartford, CT 06123Rebuilding Together Hartford Inc., an affiliate of Rebuilding Together, is a nonprofit, volunteer organization that assists low-income homeowners, including seniors, people with disabilities and families with children, who need help with home renovations and repairs. Once a year, on the last Saturday in April, volunteers across Hartford join together to provide free repairs and home renovations for individuals and families who are unable to complete repairs themselves.
Weatherization Assistance Program(860) 560-580079 Elm St., Hartford, CT 06106Funded by the U.S. Department of Energy, the Weatherization Assistance Program (WAP) helps low-income individuals and households minimize energy-related costs and fuel usage in their homes through retrofits and home improvements. Although eligibility for the program is set at 60% of the state median income, priority assistance is given to vulnerable households, including seniors, people with disabilities, families with children and high energy users.
Meals on Wheels(860) 560-5848555 Windsor St., Hartford, CT 06120Meals on Wheels is an initiative of the Community Renewal Team. If eligible, medically homebound seniors can have healthy lunches delivered directly to their homes by volunteers and staff. Hot lunches are delivered between 10 a.m. and 1 p.m., and special diets can be accommodated in most cases. To qualify for Meals on Wheels deliveries, applicants must be at least 60 years old, unable to eat at a community meal site and assessed as being medically homebound. While a donation of $2.50 per meal is suggested, no one is denied.
Property Tax Relief for Homeowners(860) 757-9640Hartford City Hall, 550 Main St., Room 108, Hartford, CT 06103According to Connecticut state law, municipalities have to provide property tax relief for specific types of low-income homeowners, including seniors, individuals with disabilities and veterans. There are several tax relief programs available to citizens aged 65 and over, including tax deferral, homestead relief and tax freeze programs.
Connecticut Energy Assistance Program(855) 626-6632370 James St., New Haven, CT 06513The Connecticut Energy Assistance Program (CEAP) is funded by the U.S. Department of Health and Human Services’ Low Income Home Energy Assistance Program (LIHEAP) Block Grant. This program helps offset wintertime heating costs for lower income households in Connecticut by paying for a home’s primary heating source, such as oil, natural gas, electricity, propane or kerosene. To qualify, a household’s income must be at or below 60% of the state median.

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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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

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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