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The 10 Best Home Care Agencies for Seniors in Lincoln, NE for 2024

Lincoln, NE, makes the list of best places to retire in Caring’s 2024 Senior Living report due to its vibrant outdoor lifestyle, affordable housing and exceptional air and water quality. Access to various levels of long-term care is another reason seniors may prefer retirement in Lincoln. Home care services in the city cost an average of $5,148 per month for an estimated 44 hours per week, according to the Genworth Cost of Care Survey. Home care services include assistance with daily activities such as meal preparation or getting dressed, while home health care also includes some medical services. With Lincoln Surgical Hospital and CHI Health St. Elizabeth in the city, seniors have access to award-winning health care and 24-hour emergency service.

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

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Paying for Home Care in Lincoln, NE

The Cost of Home Care in Lincoln, NE

In Lincoln, the $5,148 per month that agencies charge for nonmedical home care is standard in most areas of the state, according to Genworth’s 2021 Cost of Care Survey. It matches the state average and is just $191 higher than the national median. The only other area in Nebraska with higher home care rates is Omaha, where costs are $381 more per month. Across the state line into Missouri, seniors can save on home care in St. Joseph, where costs average $381 less than Lincoln. In Cheyenne, across the western border, costs are $477 more expensive than Lincoln. 

Lincoln

$5,148

Nebraska

$5,148

The United States

$4,957

Omaha

$5,529

St. Joseph

$4,767

Cheyenne

$5,625

The Cost of Home Care vs. Other Senior Care Options in Lincoln, NE

The cost of home care is $5,148 per month in Lincoln. Home health care agencies charge the same average rate for their services and include some skilled nursing services. Assisted living, which offers similar services to home care but also includes room and board, averages $4,715 per month, which could allow seniors to save $433 per month. The most affordable option for senior care is adult day health care at $579 per month. However, seniors may need a live-in caregiver to make this a safe solution for after-hours care. Nursing homes offer the most comprehensive level of care and are the most expensive, at $7,908 per month. 

Home Care

$5,148

Home Health Aide

$5,148

Adult Day Health Care

$579

Assisted Living

$4,715

Nursing Home Care (semiprivate room)

$7,908

Financial Assistance for Home Care in Lincoln, NE

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 Lincoln, NE

The City of Lincoln and various nonprofit partners offer seniors assistance with aging at home. Financial programs and subsidized services are available through senior centers, the Aging and Disability Resource Center and other local agencies. Seniors can receive financial, legal, transportation and in-home assistance. 

ResourceContactService
Aging and Disability Resource Center(402) 441-7070The Aging and Disability Resource Center administered by the City of Lincoln offers a variety of assistance options for local seniors aged 60 and older. Some options include assistance with paying for long-term care, in-home care referrals and financial guidance.
Aging Partners in Victory Park(800) 247-0938Aging Partners offers seniors a central location to connect with care managers and resource specialists in a place that also offers congregate meals and access to a fitness center. Seniors are welcome to walk-in Monday through Friday from 8:00 am until 4:30 pm.
Nebraska SHIP(800) 234-7119Nebraska SHIP is a benefits counseling organization that assists seniors in navigating Medicare and Medicaid benefits. Certified counselors offer unbiased information about various Medicare Advantage policies and other insurance options along with help in understanding benefits.
Transportation Services(402) 441-7863Aging Partners manages a variety of programs designed to help seniors retain independence for as long as possible. Transportation services are available with prior scheduling at no charge for those who qualify, with a suggested donation of $2 per trip.
Legal Aid of Nebraska(800) 527-7249Legal Aid of Nebraska operates the ElderAccessLine, which offers free legal assistance to seniors aged 60 and older. Some legal issues include tenant disputes, power of attorney, living wills, Medicare, Medicaid and consumer protection.

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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