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The 10 Best Home Care Agencies for Seniors in Montgomery, AL for 2024

Alabama’s capital city of Montgomery has over 200,000 residents, making it the second-most populous city in the state. About 15% of its population is aged 65 and over, which is comparable to the state average of 17.6%. It’s one of the cheapest places to live in Alabama with an overall cost of living that’s nearly 10% below the state median, and housing costs are among the lowest in the nation — making it affordable for older adults with limited resources. The city has a reliable public transportation system with reduced fares for seniors and access to high-performing medical facilities, such as Baptist Medical Center South and Jackson Hospital.

Home care may be a convenient option for those who want to remain in their homes for as long as possible, but need help with some daily activities. This type of care includes nonmedical services, such as housekeeping, personal care and local transportation, and costs about $3,667 monthly. Home health care is similar but also includes limited medical services, such as wound care and medication administration.

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

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Paying for Home Care in Montgomery, AL

The Cost of Home Care in Montgomery, AL

The Genworth 2021 Cost of Care Survey shows that home care agencies in Montgomery charge $3,667 per month for care, which is about $150 below the state rate and roughly $1,300 lower than the national norm. Local care costs are nearly $600 cheaper than care costs in Birmingham and about $200 less than rates in Tuscaloosa. Seniors in Auburn pay about $100 less for home care than Montgomery residents, and in Anniston, rates are about $700 below the Montgomery average.

Montgomery

$3,667

Alabama

$3,813

United States

$4,957

Auburn

$3,527

Birmingham

$4,242

Anniston

$2,955

Tuscaloosa

$3,838

The Cost of Home Care vs. Other Senior Care Options in Montgomery, AL

Home care agencies in Montgomery charge $3,667 per month for home care, which includes nonmedical companion and personal care services. Home health care has the same monthly rate despite including skilled nursing services, but adult day health care costs over $3,000 less. Seniors may save over $1,000 per month by opting for assisted living, which has a similar scope of services in a residential community setting. Nursing home care, which is for those who need 24-hour medical care and monitoring, costs nearly $3,000 more than in-home care. 

Home Care

$3,667

Home Health Care

$3,667

Adult Day Health Care

$542

Assisted Living

$3,500

Nursing Home Facility (semiprivate room)

$6,509

Financial Assistance for Home Care in Montgomery, AL

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.

Montgomery 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 Montgomery:

ResourceContactAddressService
Montgomery Area Council on Aging (MACOA)(334) 263-0532115 E. Jefferson St., Montgomery, AL 36117MACOA coordinates a network of home and community-based services to promote independent living for seniors. Its flagship program is Meals On Wheels (MOW), which provides hot lunches and social interaction for frail, homebound elders each weekday. The Frozen Meals program serves older residents on MOW’s waiting list. The Pet Food program brings dog and cat food to MOW participants twice a month. Active seniors can join the Retired and Senior Volunteer Program (RSVP) to engage with and help community agencies.
Central Alabama Aging Consortium (CAAC)(334) 240-46802500 Fairlane Dr., Suite 200, Montgomery, AL 36116CAAC serves seniors, people with disabilities and their caregivers through home- and community-based programs that support an independent lifestyle. As the area’s Aging and Disability Resource Center, this agency provides information and eligibility screening for benefits and services available to older residents. In-home services include Alabama Cares, Care Transitions Intervention, Elderly & Disabled Waiver, ACT Waiver, Homemaker Program and Personal Choices. CAAC also offers free civil legal assistance, congregate and home-delivered meals, nutrition counseling and the Senior Rx Program. Programs are at no cost or at a reduced rate.
Energy Assistance(334) 263-34741066 Adams Ave., Montgomery, AL 36104Montgomery Community Action Agency administers the Low-Income Home Energy Assistance Program (LIHEAP) and Alabama Business Charitable (ABC) Trust Energy Assistance Program for low-income residents. These programs provide financial relief from heating and cooling costs. Seniors may also qualify for the Emergency Energy Assistance Program which offers a one-time crisis disbursement to pay for food, shelter or prescription medications.
Weatherization Assistance(334) 262-4300 or (866) 780-4945430 S Court St., Montgomery, AL 36104Administered by the Central Alabama Regional Planning and Development Commission (CARPDC), the Weatherization Assistance Program helps low-income families improve the energy efficiency, health and safety of their residences. It provides an energy audit to determine needs and cost-saving solutions. Common services include installing high-efficiency light bulbs, adding extra insulation to walls, floors and attics, sealing air leaks, and installing programmable thermostats and water heater tanks.
Catholic Social Services of Montgomery(334) 288-88904455 Narrow Lane Rd., Montgomery, AL 36116Catholic Social Services coordinates St. Margaret’s Senior Ministry, a program that supports seniors with free non-medical services and support. The organization advocates for clients’ physical and mental health needs and assists with obtaining secure, sanitary living accommodations. The program also offers emotional and spiritual support and helps strengthen family and community connections.

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.

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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