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The 10 Best Home Care Agencies for Seniors in Maplewood, MN for 2024

Maplewood is located just nine miles from Minnesota’s capital city of St. Paul and 14 miles from Minneapolis, providing high access to a broad range of cultural amenities, social services and health care providers. It has a relatively large senior community that makes up nearly 18% of its 42,000 residents, and benefits such as its low violent crime rate and public transportation service appeal to many seniors who want to remain in their homes throughout retirement. According to the Genworth Cost of Care Survey, Maplewood seniors pay $7,055 per month for in-home care, which includes basic supportive services. Home health care, which includes skilled nursing, is available for the same monthly rate.

Below we’ve compiled a comprehensive directory of every home care provider in the Maplewood 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.

Home Care Agencies in Maplewood, MN

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Paying for Home Care in Maplewood, MN

The Cost of Home Care in Maplewood, MN

Seniors in Maplewood pay a monthly median rate of $7,055 for home care according to the Genworth Cost of Care Survey. Statewide, rates are about $380 lower. Nationally, care costs are nearly $2,100 less than in Maplewood. Seniors living in St. Cloud pay more affordable rates of $6,083 for care, and in Duluth and Mankato, rates are even lower at $5,815 and $5,720, respectively. In Rochester, rates are several hundred dollars higher than in Maplewood at $7,627.

Maplewood

$7,055

Minnesota

$6,673

United States

$4,957

St. Cloud

$6,083

Mankato

$5,720

Rochester

$7,627

Duluth

$5,815

The Cost of Home Care vs. Other Senior Care Options in Maplewood, MN

Home care is among the costlier long-term care options in Maplewood, with seniors paying monthly rates of $7,055 for nonmedical care. Home health care costs the same per month despite including skilled nursing services. Adult day health care may be a good option for those who want to live at home but have budgetary limitations, with monthly fees coming in at $2,102. Assisted living features a similar scope of services in a residential community setting for $5,163 per month. Nursing home care, which is for those who need intensive care, costs more than home care at $11,708.

Home Care

$7,055

Home Health Care

$7,055

Adult Day Health Care

$2,102

Assisted Living

$5,163

Nursing Home Care (semiprivate room)

$11,708

Note: Data for Maplewood was unavailable, so data for the nearest city, Minneapolis, was used instead.

Financial Assistance for Home Care in Maplewood, MN

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 Maplewood, MN

Seniors in Maplewood can supplement paid home care services with several local programs, helping many reduce out-of-pocket expenses and obtain the support they need to remain in their homes. Through the following programs and agencies, older adults can obtain home-delivered or congregate meals, locate age-friendly recreational activities and get referrals for community-based services.

ResourceContactService
Help At Your Door(651) 642-1892Help At Your Door has trained volunteers who provide low-cost help to seniors with day-to-day activities. Through this nonprofit organization, seniors can obtain help with grocery shopping, basic household chores and transportation for errands and doctor’s office visits. The cost of services is based on a sliding scale.
Gladstone Senior Center(651) 748-7250The Gladstone Senior Center hosts activities for older adults, including needlework sessions, Silver Sneakers exercise programs, table games and woodcarving. The center also provides tax preparation help and support groups throughout the month, along with home-delivered meals to housebound seniors otherwise unable to obtain meals.
Senior Services of Ramsey County(651) 266-3613Senior Services of Ramsey County has benefits specialists who help older adults determine eligibility for state, federal and VA financial assistance programs that may help cover their living costs and home care expenses. Through this program, seniors can take the MNCHOICES assessment and get referrals for necessary services.
Trellis(651) 641-8612As the Area Agency on Aging for the Maplewood region, Trellis partners with community providers to administer a range of services to those aged 60 and over, including care consultations, grocery deliveries, chore services and assisted transportation.
Senior LinkAge Line(800) 333-2433The Senior LinkAge Line is a free service available through the Minnesota Board on Aging that helps seniors understand their health insurance options, locate local respite services and find services and supports to help them age in place. It also has advisors who assist with financial and legal planning.
Meals on Wheels of Ramsey County(651) 266-4107Meals on Wheels of Ramsey County delivers hot, ready-to-eat meals to housebound seniors in the Maplewood region. Meals are chef-prepared and dietician-approved, and they include an entree, a vegetable, a serving of fruit, a starch, a dessert and a drink.
Community Action Partnership(651) 645-6445This program provides energy assistance programs to qualified individuals in the Maplewood region. It can help some seniors avoid falling behind on utility payments and experiencing disruptions in service. It also operates the Energy Conservation & Weatherization 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 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.

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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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