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The 10 Best Home Care Agencies for Seniors in Lafayette, IN for 2024

Situated along the southeastern banks of the Wabash River, Lafayette is about 60 miles northwest of Indianapolis in Tippecanoe County, Indiana. The city has a population of 70,835, with 13.3% of residents aged 65 and older — less than the national average of 16.8%. Lafayette offers seniors a range of age-friendly recreational and entertainment opportunities, beautiful natural areas, a cost of living that’s more than 20% lower than the national index and moderate winters with mildly warm summers. In addition to affordable health care, the elderly community can save even more on housing costs, groceries, and other expenses. Lafayette is less than five miles from the high-performing Indiana University Health Arnett Hospital, ensuring residents receive cutting-edge medical care when needed.

Seniors who need personal care and help with daily tasks pay an average of $5,053 per month for home care, per Genworth’s 2021 Cost of Care Survey. Home health care services are available and include light medical assistance, usually administered by a registered nurse or certified therapist.

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

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Paying for Home Care in Lafayette, IN

The Cost of Home Care in Lafayette, IN

According to the 2021 Genworth Cost of Care Survey, seniors in Lafayette pay $5,053 for home care services, which is almost $300 higher per month than the state median and around $100 more than the national median. Home care prices to the south in Terre Haute, Evansville and neighboring Kokomo are affordable compared to Lafayette and the state and national averages. Rates in the northern region of Indiana in Michigan City are about $600 more for home care.

Lafayette

$5,053

Indiana

$4,767

United States

$4,957

Terre Haute

$3,623

Evansville

$4,290

Kokomo

$4,576

Michigan City

$5,625

The Cost of Home Care vs. Other Senior Care Options in Lafayette, IN

Several senior care options are available in Lafayette, including $5,053 monthly for home care to help with day-to-day activities. Home health care costs the same and includes limited skilled nursing care, such as medication administration, wound care and rehabilitation therapy. Adult day care is more economical compared to home care at over $1,500 less per month. Assisted living communities provide seniors a place to live, including housing and meal fees, and charge a little more than home care. Nursing homes provide round-the-clock supervision and skilled nursing care and charge over $2,200 more per month for semiprivate accommodations.

Home Care

$5,053

In-Home Care

$5,053

Adult Day Health Care

$3,467

Assisted Living Facility

$5,255

Nursing Home Facility (semiprivate room)

$7,300

Financial Assistance for Home Care in Lafayette, IN

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.

Lafayette 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 Lafayette:

ResourceContactAddressService
Weatherization Assistance Program(317) 232-777730 S. Meridian St., Suite 900, Indianapolis, IN 46204The federally funded Weatherization Assistance Program is available to low-income seniors over the age of 60 and disabled individuals. Those who are receiving Supplemental Security Income and Temporary Assistance to Needy Families are automatically qualified to receive assistance through this program. The home’s structure is inspected, along with the efficiency of the furnace and water heater.
Meals on Wheels(765) 429-63252000 Elmwood Ave., Suite F, Lafayette, IN 47904Meals on Wheels of Greater Lafayette is a nonprofit organization that delivers hot and nutritious meals to area seniors at lunchtime Monday through Friday. Seniors who are unable to shop or prepare meals for themselves can have a full meal delivered directly to their home at a very low cost. 
The Tippecanoe Senior Center(765) 447-23112000 Elmwood Ave., Lafayette, IN 47904The Tippecanoe Senior Center, a nonprofit organization, provides seniors with opportunities to socialize and have fun during special events and activities. Some of the services it offers include transportation assistance for approved medical appointments, free home repairs and replacement of certain appliances and a free meal delivery service for local seniors aged 60 and older.
Low Income Home Energy Assistance Program (LIHEAP)(765) 742-848131 N. 7th St., Lafayette, IN 47901LIHEAP helps eligible low-income seniors with their utility bills, including electricity, natural gas and propane. Applicants for this federally funded program must meet certain household and income requirements to qualify. Program funding is available on a first come, first served basis, with a focus on seniors, people with disabilities and other high-risk groups.
Area IV Agency on Aging and Community Action Programs, Inc.(765) 447-7683P.O. Box 4727, 660 N. 36th St., Lafayette, IN 47903The local Area Agency on Aging helps seniors in several counties, including Tippecanoe County, stay as independent as possible. Some of the available services include a family caregiver program, in-home care services and management, Medicare counseling, information assistance and an equipment loan program.

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 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.

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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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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