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The 5 Best Home Care Agencies for Seniors in Moline, IL for 2024

Moline is a welcoming community with an estimated 42,000 residents, a fifth of whom are retirement-aged. The city offers a low cost of living and housing prices that are about 60% below the national norm, enabling many seniors to remain in their homes as they age. Retirement-friendly state income tax laws and property tax relief programs further promote seniors’ financial stability, and the low violent crime rate appeals to those who live alone. Moline also has several home care agencies. These agencies provide nonmedical services, such as meal preparation, companionship and personal care. This type of care is distinct from home health care, which includes skilled nursing services, although both levels of care cost $5,148 monthly.

Below we've compiled a comprehensive directory of every home care provider in the Moline 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 Moline, IL

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Paying for Home Care in Moline, IL

The Cost of Home Care in Moline, IL

Based on information in the Genworth 2021 Cost of Care Survey, seniors in Moline expect to pay about $5,148 per month for in-home care. This exceeds the national norm of $4,957, but it’s about $200 less than the Illinois average. Local care costs are comparable to rates in Champaign, where home care agencies charge $5,196 for services, and in Peoria, rates are a little lower than in Moline at $5,053. In Decatur, care costs are about $380 less per month than in Moline, but in Rockford, care costs are considerably higher at $5,625.

Moline

$5,148

Illinois

$5,339

United States

$4,957

Rockford

$5,625

Peoria

$5,053

Champaign

$5,196

Decatur

$4,767

The Cost of Home Care vs. Other Senior Care Options in Moline, IL

Home care agencies in Moline charge $5,148 per month for nonmedical services. This is $800 more than the cost of assisted living, which includes housing along with personal care, but it’s equal to the cost of home health care, which features skilled nursing care. Older adults who choose adult day health care over private home care save about $3,450 per month, but those who live in nursing homes pay higher care costs of $6,327 for shared rooms.

Home Care

$5,148

Home Health Care

$5,148

Adult Day Health Care

$1,695

Assisted Living

$4,350

Nursing Home Care (semiprivate room)

$6,327

Note: Data for Moline was unavailable, so data for the nearest city, Davenport, IA, was used instead.

Financial Assistance for Home Care in Moline, IL

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

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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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