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The 10 Best Home Care Agencies for Seniors in Margate, FL for 2024

Margate is in the southern region of Florida and has nearly 60,000 residents. Seniors account for nearly a quarter of the population, which is large compared to the U.S. average senior population of 16.5%, promoting high access to social opportunities and services. Home care agencies in this city charge rates well below state and national medians, with seniors paying an estimated $4,195 per month for services. This type of care provides in-home personal care and help with chores and is different from home health care, which offers skilled nursing services for a higher monthly rate. Margate is also home to HCA Florida Northwest Hospital, which provides emergency services and primary and specialty care.

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

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Paying for Home Care in Margate, FL

The Cost of Home Care in Margate, FL 

Home care agencies in Margate charge $4,195 per month for services, making this city an economical option for care. Statewide, seniors pay $4,767 for in-home care, and nationally, the average rate is $4,957. Local rates are about $1,000 cheaper than in Cape Coral, where rates are among the highest in the state at $5,196. In Orlando, residents pay $4,767, and in Port St. Lucie, monthly fees average $4,671. Care costs in Homosassa Springs are comparable to rates in Margate, averaging $4,273 per month.  

Margate

$4,195

Florida

$4,767

The United States

$4,957

Port St. Lucie

$4,671

Orlando

$4,767

Cape Coral

$5,196

Homosassa Springs

$4,273

The Cost of Home Care vs. Other Senior Care Options in Margate, FL 

Margate seniors have multiple senior care options to address their needs. The most affordable long-term care option is adult day health care at $1,517. Home health care, which is similar to in-home care but includes skilled nursing services, and assisted living, which includes personal care services in a residential setting, are a little more expensive at $4,385. Nursing homes charge the most at $9,019 per month. 

Home Care

$4,195

Home Health Care

$4,385

Adult Day Health Care

$1,517

Assisted Living Facility

$4,385

Nursing Home Facility (semiprivate room)

$9,019

Note: Data for Margate was unavailable, so data for the nearest city, Miami, was used instead. 

Financial Assistance for Home Care in Margate, FL

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 Margate, FL

In Margate, older adults can access free and low-cost services to help them save money on home care services. The following table highlights that agencies and programs provide supportive services for seniors to remain in their homes safely.   

ResourceContactService
Northwest Focal Point Senior Center(954) 973-0300   The Northwest Focal Point Senior Center is a nonprofit center that provides social and recreational programs for older adults to reduce loneliness and isolation. Seniors participate in table games, holiday parties and special events. The center also provides adult day care services, health screenings, telephone reassurance services, local transportation, and daily congregate meals. 
Area Agency on Aging Broward County (954) 745-9779   The Area Agency on Aging administers free and low-cost services to those aged 60 and over in the Margate region. Seniors can obtain home-delivered and congregate meals, participate in health and wellness classes and attend local senior centers. The nonprofit agency works with Broward County Transit to provide transportation for older adults and has home assistance programs to help seniors pay energy bills and obtain minor home repairs.
Meals on Wheels South Florida(954) 731-8770 Meals on Wheels South Florida provides home-delivered meals, friendly visits and safety checks to housebound individuals in Margate and the surrounding region. It also has an energy assistance program to help older adults avoid service disconnection, and it has a vaccine clinic to help seniors maintain their health. Along with home-delivered meals, the agency provides grocery shopping assistance, meals for companion pets and congregate meals.
Homeowner Programs(954) 357-4916 (Last names from A–M)  (954) 357-4942 (Last names from N–Z) Several homeowner programs open to older adults in Margate may help them reduce their living expenses. The Minor Home Repair Program provides home improvements to help it stay safe and comfortable. This may include roofs, doors, windows and air conditioning. The Barrier Free/Special Needs Housing Program provides home modifications for qualifying individuals.
Low-Income Home Energy Assistance Program(954) 357-5025 The Broward County Community Action Agency administers the Low Income Home Energy Assistance Program, which provides financial assistance with electric bills. It bases eligibility on family size and income.

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 – oftentimes 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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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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