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The 10 Best Home Care Agencies for Seniors in Milford, OH for 2024

Milford is a small Ohio town situated about 16 miles northwest of Cincinnati. Though it only has around 6,582 residents, more than 25% of the population are seniors over the age of 65, a much higher concentration of older adults than the statewide average of 17.8%. The city’s violent crime rate is about 38% below the national figure, and while its cost of living is higher than the statewide figure, Milford’s seniors pay less than the majority of Americans for most goods and services. In the event of an emergency, The Christ Hospital is a short drive away. Seniors who would like assistance at home with chores and daily living activities can receive home care for around $5,148 a month, according to the Genworth 2021 Cost of Care Survey.

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

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Paying for Home Care in Milford, OH

The Cost of Home Care in Milford, OH

Milford has the same median cost of home care as Cincinnati, $5,148 a month, which is $191 more than most seniors pay across the state. In Ohio’s northernmost cities, home care averages between $4,290 and $5,196 a month, with Youngstown and Cleveland representing the lower and upper ends of that range. Around the middle of the state, seniors are paying some of Ohio’s highest costs of home care, with Columbus and its $5,625 average cost of care among the costliest. West of Columbus, care costs fluctuate above and below Milford’s average. In Springfield and Dayton, the median cost of home care is $4,385 and $5,434 a month, respectively.

Milford

$5,148

Ohio

$4,957

The United States

$4,957

Youngstown

$4,290

Cleveland

$5,196

Springfield

$4,385

Dayton

$5,434

The Cost of Home Care vs. Other Senior Care Options in Milford, OH

The city’s seniors typically spend about $3,458 more a month for in-home care than they do on adult day health care, and compared to assisted living, home care costs about $482 more a month. Nursing home care costs significantly more than home care. With a semiprivate room, the average monthly cost is $2,700 more than home care.

Home Care

$5,148

Home Health Care

$5,148

Adult Day Health

$1,690

Assisted Living Facility

$4,666

Nursing Home Care (semiprivate room)

$7,848

Note: Data for Milford was unavailable, so data for the nearest city, Cincinnati, was used instead.

Financial Assistance for Home Care in Milford, OH

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.

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 in-home care
Checklist for determining the need for in-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
Checklist for determining the need for home care
Checklist for determining the need for home care
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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

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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