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The 10 Best Home Care Agencies for Seniors in Loveland, CO for 2024

Loveland, Colorado, is ranked 73rd on Caring.com’s Senior Living Report, indicating it’s among the nation’s most favorable cities for retirees. Its low crime rate and high access to health care make it a safe community for seniors and minimal traffic congestion and public transportation options make it easy to navigate with or without a private vehicle. Housing costs account for a relatively small portion of residents’ spending, and state foreclosure prevention and protection programs promote long-term stability for those on fixed incomes. The city is also home to two hospitals, McKee Medical Center and Medical Center of the Rockies, providing access to diverse medical services.

In addition to these benefits, Loveland supports seniors through access to numerous home care agencies. According to the 2021 Genworth Cost of Care Survey, these agencies charge $6,769 per month on average for personal care services. Home health care, which provides skilled nursing services such as disease monitoring and management, wound care, and vitals monitoring, may be a more appropriate option for those with medical needs.

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

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Paying for Home Care in Loveland, CO

The Cost of Home Care in Loveland, CO

Seniors in Loveland pay $6,769 per month for home care according to estimates in the Genworth 2021 Cost of Care Survey. Local rates exceed the state median of $6,387 and are about $1,800 higher than the national average of $4,957. In Fort Collins, care costs are over $600 lower at $6,101. In Colorado Springs and Greeley, respective care costs come in at $5,786 and $5,625, about $1,000 less than in Loveland. In Pueblo, monthly rates are about $1,500 lower at $5,268. 

Loveland

$6,769

Colorado

$6,387

The United States

$4,957

Fort Collins

$6,101

Greeley

$5,625

Colorado Springs

$5,768

Pueblo

$5,268

The Cost of Home Care vs. Other Senior Care Options in Loveland, CO

In Loveland, home care is among the costliest care options at $6,769. Home health care, which is similar but includes skilled nursing services in the individual’s home, has the same monthly rate. However, assisted living provides a comparable scope of services in a residential community setting for $6,275 per month, about $500 less than home care costs, and adult day health care is over $2,000 cheaper at $4,333. Nursing home care is the only costlier option at $12,167. 

Home Care

$6,769

Home Health Care

$6,769

Adult Day Health Care

$4,333

Assisted Living

$6,275

Nursing Home Care (semiprivate room)

$12,167

Note: Data for Loveland was unavailable, so data for the nearest city, Boulder, was used instead.

Financial Assistance for Home Care in Loveland, CO

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.

Loveland 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 Loveland:

ResourceContactAddressService
A Little Help(970) 412-939619 Old Town Square, Suite 238  Fort Collins, CO 80524This nonprofit connects neighbors with seniors to provide assistance with basic chores, transportation, help with technology and household handyman support. These include snow removal, respite care, transportation and social activities, and it also provides a hub for local resources. A Little Help also seeks to keep seniors engaged with their community by offering educational programs and regular events across the Loveland area and beyond. 
Fort Collins Meals on Wheels Program(970) 472-96301217 East Elizabeth #11, Fort Collins, CO 80524The Volunteers of America Meals on Wheels Program in Fort Collins delivers meals to those who have difficulty preparing meals and are primarily homebound. Meals are delivered Monday to Friday between 11:30 am and 12:30 pm, typically consisting of a full lunch, with two vegetables and a roll, salad and dessert to ensure seniors and other people who qualify receive at least a third of their recommended daily diet. More active seniors can volunteer with this organization.
Volunteers of America Handyman Program(970) 472-9630405 Canyon Ave, Fort Collins, CO 80525The Volunteers of America Handyman Program offers seniors free assistance with basic home repair projects. This can include simple safety repairs around the house or chores such as shoveling snow. While assistance is free, clients must pay for the materials required. Additional services such as veteran support and senior dining are also offered by the VOA. 
The Larimer County Office on Aging(970) 498-7750                       1501 Blue Spruce, Fort Collins, CO, 80524The Larimer County Office on Aging offers several useful services to seniors in the area. The chore voucher program gives seniors financial support to complete tasks they may not be physically able to do like laundry or cleaning. Additional services offered include a family caregiver support program, an in-home services voucher program and assistance with filling out all applications for help. Seniors seeking vouchers or additional support should contact the Larimer County Office on Aging.

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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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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