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The 10 Best Home Care Agencies for Seniors in Malden, MA for 2024

Malden in Middlesex County is one of Massachusetts’ best-kept secrets for senior residents. Data from the 2021 U.S. Census reports that Malden has a population of over 65,000, consisting of 13.1% seniors. The Malden Senior Center offers a variety of activities for seniors, including movies and concerts. Elderly residents in Malden have access to nonmedical in-home support services or home care services that include medical support. Genworth’s 2021 Cost of Care Survey reports that the average costs for in-home care in Malden and the Boston area are around $6,292. Seniors have options for health care and emergency services. Malden is within driving distance of Melrose-Wakefield Hospital, CHA Somerville and the highly rated Massachusetts General Hospital.

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

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Paying for Home Care in Malden, MA

The Cost of Home Care in Malden, MA

According to Genworth’s 2021 Cost of Care Survey, Malden seniors pay higher costs for in-home care services than most other seniors in the U.S. The national average for home care is around $4,957, while Malden’s costs come in just under $1,400 more. Home care costs around the Boston area follow this trend in nearby parts of the state. For example, Marlborough and Worcester’s elderly residents also pay more than the average cost for home care at $5,720 each. Higher costs of care in this region are likely because of its proximity to the Boston area. 

Malden

$6,292

Massachusetts

$5,911

The United States

$4,957

Marlborough

$5,720

Worcester

$5,720

Attleboro

$5,720

The Cost of Home Care vs. Other Senior Care Options in Malden, MA

Malden area seniors pay higher costs for home care at around $6,292 per month. Home care costs for employing the services of a home health aide are about $6,244. This represents just a few dollars difference, making the costs for home care and assisted living in the Malden area nearly the same. Assisted living costs in the Malden area are around $6,819, which is about $2,319 more than the national average. Skilled nursing care is by far the most expensive, averaging $13,155 per month.

Home Care

$6,292

Home Health Care

$6,244

Adult Day Care

$1,614

Assisted Living

$6,819

Nursing Home Care (semiprivate room)

$13,155

Note: Data for Malden was unavailable, so data for the nearest city, Boston, was used instead.

Financial Assistance for Home Care in Malden, MA

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.

Malden 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 Malden:

ResourceContactAddressService
Mystic Valley Elder Services (781) 324-7705300 Commercial Street, #19, Malden, MA 02148This is a nonprofit agency that works with senior citizens to help them apply for support and health care services in the community they may be eligible for. In addition to physical care for seniors, Mystic Valley also helps reduce the isolation that many elderly people experience by connecting them to volunteer opportunities and social programs. For those who need it, there is also housing placement assistance available. 
Meals on Wheels & Senior Dining (781) 324-7705300 Commercial Street, #19, Malden, MA 02148Mystic Valley Elder Services runs 14 different food pantries in the Malden area for seniors in need, as well as programs to educate the elderly on proper nutrition. Meals on Wheels programs include home delivery of Ensure and other nutritional supplements. There are senior dining opportunities at local community centers free for the elderly, although a small donation is suggested. Eligibility for each program is determined by an MVES case manager.  
Boston ABCD(781) 322-628418 Dartmouth Street, Malden, MA 02148Seniors who qualify for the Boston ABCD Fuel Assistance Program may also qualify for free weatherization of their homes, including replacing or adding insulation and installing draft protection seals along with windows and doors. Each project is overseen by a professional contractor and is based on income guidelines. To qualify, families must have an income at or below 60% of the Massachusetts median income.
Low-Income Home Energy Assistance Program (LIHEAP) (617) 737-2836 One South Station, Boston, MA 02110LIHEAP helps low-income seniors in the Malden area cover the cost of heating and utility bills during the winter season. This is a program based on income, and first-time applicants must apply in person. Seniors receiving Social Security Income may automatically be eligible. 
Massachusetts Good Neighbor Energy Fund339-502-5900107 Ridge Avenue, Athol, MA 01331Sponsored by the Salvation Army, the GNEF offers seniors in the Boston area with help paying for energy bills (gas, oil, heating, and electric). If an individual doesn’t qualify for the LIHEAP, this community outreach program may be able to help. This program has an income-based eligibility guideline; applicants must have a gross income between 60% and 80% of the state’s median income level.

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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