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The 10 Best Home Care Agencies for Seniors in Hobe Sound, FL for 2024

Located along Florida’s Treasure Coast, Hobe Sound has excellent weather and plenty of amenities for seniors. The population is just over 13,000 with 35% of the population aged 65 and older, a rate higher than the national average. The cost of living is higher than the state and national averages, however, the state has no income tax, which means seniors don’t pay state taxes in retirement.

Martin Health at Hobe Sound provides treatment for 12 specialties, including general medicine and therapy. For assistance with daily living, seniors can choose home care for $4,671 per month according to the 2021 Genworth Cost of Care Survey. Home health care, which provides skilled nursing, wound care and other light medical needs, is also available.

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

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Paying for Home Care in Hobe Sound, FL

The Cost of Home Care in Hobe Sound, FL

According to Genworth’s 2021 Cost of Care Survey, home care in Hobe Sound has an estimated monthly cost of $4,671. Both the state and national averages are higher at $4,767 and $4,957, respectively. Miami residents pay approximately $476 less, while those in Sebring and Sebastian pay more at $4,767 and $5,100 per month.

Hobe Sound

$4,671

Florida

$4,767

The United States

$4,957

Miami

$4,195

Sebring

$4,767

Sebastian

$5,100

The Cost of Home Care vs. Other Senior Care Options in Hobe Sound, FL

Home care has an average price of $4,671 per month in Hobe Sound, while home health care is slightly higher at $4,767. Home care provides assistance with personal care only, whereas home health care includes light medical care. It costs less for care in assisted living communities, which have a median monthly rate of $3,763. In contrast, adult day health costs just $1,517 per month. The costliest service is a semiprivate room in a nursing home, which focuses mainly on round-the-clock medical care, for $8164 per month.

Home Care

$4,671

Home Health Care

$4,767

Adult Day Health

$1,517

Assisted Living

$3,763

Nursing Home Care (semiprivate room)

$8,164

Note: Data for Hobe Sound was unavailable, so data for the nearest city, Port St. Lucie, was used instead.

Financial Assistance for Home Care in Hobe Sound, 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 Hobe Sound, FL

Hobe Sound residents living at home can access many resources to help them age in place. The following list includes resources that can help reduce energy costs and make the home more comfortable, assist with some emergency bills, reduce some taxes and provide free transportation.

ResourceContactService
State Housing Initiative Partnership (SHIP)(772) 288-5456SHIP provides low-interest loans and grants to seniors with limited incomes to help repair their homes and bring them up to code. Loans are available for up to $40,000 and grants of up to $18,000 are available. Home improvements can be made to water and sewage systems, roofs, electrical and plumbing systems, and heating and cooling units.
Martin County Emergency Financial Assistance(772) 288-5456The Martin County Emergency Financial Assistance program helps seniors with limited incomes pay for overdue utility bills. Applicants must meet the income eligibility requirements and must reside in the home in which they are seeking assistance. The program can provide assistance with rent, utilities and minor automobile repairs.
Martin County Weatherization Program(305) 245-7738The Martin County WAP helps seniors reduce their monthly energy costs by addressing weatherization issues within the home. The program can help with insulation installation, caulking, minor repairs to floors, walls and roofs, and can repair or replace heating and cooling units.
Martin County Homestead Exemption(772) 288-5608The Martin County Homestead Exemption program reduces a senior's property tax obligation by hundreds of dollars each year. The standard exemption is $25,000, which is applied to homes valued at least $50,000. Property values the following year after the exemption takes place can’t increase more than 3%.
Meals on Wheels(772) 223-7800Meals on Wheels of Martin County provides hot meals delivered five days a week around lunchtime for seniors who are unable to prepare their own food or who are unable to shop. Volunteers who deliver the meals are also able to perform a wellness check or offer companionship.

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

Frequently Asked Questions

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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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