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The 10 Best Home Care Agencies for Seniors in Liberty, MO for 2024

Liberty is nestled in the Kansas City metro area and features numerous entertainment options, including bowling alleys, movie theaters and recreational activities at the Missouri River. The city has over 30,300 residents with a senior population comprising 13.1%. Retirees have access to a low cost of living, low crime rates and 216 sunny days per year to enjoy outdoor recreation. Liberty is also home to Liberty Hospital, a patient-centered facility offering premier medical services. Seniors pay an average of $4,957 per month for home care services, which includes assistance with daily living tasks, such as bathing and dressing. For those requiring skilled nursing services, home health care may be a better option.

Below we’ve compiled a comprehensive directory of every home care provider in the Liberty 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 Liberty, MO

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Paying for Home Care in Liberty, MO

The Cost of Home Care in Liberty, MO

According to the 2021 Genworth Cost of Care Survey, seniors in Liberty pay a monthly average of $4,957 for home care, which is about $190 more than Missouri’s statewide average but equivalent to the national median. In St. Louis, seniors pay a higher monthly rate than Liberty at $5,482, while those in Columbia pay a higher cost of $5,053 per month. Prices drop in Springfield, where home care is offered at a lower monthly rate than Liberty at $4,767. Jefferson City has one of the lowest prices in the state at $3,813 per month. 

Liberty

$4,957

Missouri

$4,767

United States

$4,957

St. Louis

$5,482

Columbia

$5,053

Springfield

$4,767

Jefferson City

$3,813

The Cost of Home Care vs. Other Senior Care Options in Liberty, MO

Adult day health care is the most affordable senior care option at $1,733 per month. Assisted living is a residential care option that costs about $372 less per month than home care. For seniors requiring skilled nursing care, home health care shares an equivalent monthly rate with home care at $4,957. Nursing home care is another residential option providing 24-hour skilled nursing care. For a semiprivate room, seniors pay about $6,464 per month. 

Home Care

$4,957

Home Health Care

$4,957

Adult Day Health Care

$1,733

Assisted Living

$4,585

Nursing Home Care (semiprivate room)

$6,464

Note: Data for Liberty was unavailable, so data for the nearest city, Kansas City, was used instead.

Financial Assistance for Home Care in Liberty, MO

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 Liberty, MO

Liberty offers several resources to help seniors wishing to age in place live comfortably in their homes. By contacting the following nonprofits and government agencies, older adults can access meal delivery services, local transportation, recreational opportunities and bill payment assistance. 

ResourceContactService
Mid-America Regional Council (MARC)(800) 593-7948MARC serves as Clay County's Area Agency on Aging and provides community-based services for older adults. The agency links seniors with local resources, such as meal services, transportation and home modification programs. Caregivers can also access support services to better care for their loved ones.
Liberty Meals on Wheels(816) 439-4398Liberty Meals on Wheels provides meal delivery services for seniors unable to shop for food or prepare meals themselves. The program also serves meals in a group setting to help older adults stay active and social in their community.
Kearney Enrichment Council(816) 635-0466The Kearney Enrichment Council is a nonprofit that operates the Kearney Senior Center. Adults aged 60 and older can visit the center for transportation services, weekly congregate meals, exercise classes and activities, including bingo, card games and interactive music therapy.
Community Action Agency of Greater Kansas City(816) 358-6868The Community Action Agency of Greater Kansas City offers several programs, including the Low-Income Weatherization Program (LIWAP), to help seniors living at home maintain a high quality of life. LIWAP provides utility assistance for homeowners and renters to ensure their living conditions are healthy and safe.
Missouri Property Tax Credit Claim(573) 751-3505The Missouri Property Tax Credit Claim provides seniors with a tax credit based on real estate taxes or rent they paid for the year. The claim amount is determined by how much an individual paid in taxes and their total household income.
Water / Wastewater Utility Bill Credit Program(816) 439-4460Qualified seniors are eligible for a 15% reduction in their water and wastewater rates through Liberty's Utility Bill Credit Program. Older adults must provide paperwork proving they meet certain requirements to receive the bill credit.

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
Checklist for determining the need for home care
Checklist for determining the need for home care

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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