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The 10 Best Home Care Agencies for Seniors in Murfreesboro, TN for 2024

Murfreesboro is located 30 miles southeast of Nashville in the central part of the state of Tennessee. While less than the national average rate, 9% of the city’s population is aged 65 and older. The city has plenty to offer older adults, including a quaint downtown square, historical landmarks and multiple parks. The Ascension Saint Thomas Rutherford Hospital is located downtown for the advanced treatment of heart and vascular care, orthopedics and rehabilitation, and TriStar Stonecrest Medical Center is close by. The cost of living is comparable to the national average and retirees don’t pay state tax on retirement benefits due to the state’s lack of income tax.

According to the 2021 Genworth Cost of Care Survey, home care in Murfreesboro costs an estimated $4,767 per month, providing nonmedical services. Home health care is also available to those who require assistance from medical professionals, including skilled nursing, therapists and social workers.

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

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Paying for Home Care in Murfreesboro, TN

The Cost of Home Care in Murfreesboro, TN

According to Genworth Financial’s 2021 Cost of Care Survey, the monthly standard cost for home care in Murfreesboro is $4,767. This is more than the state average of $4,576 but less than the national average of $4,957 per month. Chattanooga has the same home care costs, while the cost in Knoxville is only $10 less. Seniors in Jackson can expect to pay $4,195 per month.  

Murfreesboro

$4,767

Tennessee

$3,909

United States

$4,481

Jackson

$4,195

Chattanooga

$4,767

Knoxville

$4,757

The Cost of Home Care vs. Other Senior Care Options in Murfreesboro, TN

Home care and home health care both have average monthly costs of $4,767. Home care is designed to keep seniors as comfortable as possible while assisting with daily living tasks. Home health care also includes medical support services. Adult day care is the least expensive option at $1,842, while a semiprivate room in a nursing home is the costliest at $7,270. Assisted living costs less than home care, despite offering community-style housing.

Home Care

$4,767

Home Health Care

$4,767

Adult Day Health

$1,842

Assisted Living

$4,100

Nursing Home Care (semi-private room)

$7,270

Note: Data for Murfreesboro was unavailable, so data for the nearest city, Nashville, was used instead.

Financial Assistance for Home Care in Murfreesboro, TN

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 Murfreesboro, TN

Seniors in Murfreesboro who wish to continue aging in place can get assistance from several resources and nonprofit agencies. 

ResourceContactService
Greater Nashville Regional Council Area Agency on Aging and Disability(615) 255-1010The area agency on aging has several programs created to help seniors continue living at home for as long as possible. Seniors can get information on local services and see if they are eligible for state and federal benefit programs. Low-income people may qualify for free home care services. Additionally, the agency manages the local senior centers and can provide transportation services.
Weatherization Assistance Program(615) 742-1113This program can help low-income older adults save on their energy bills. Eligible recipients will get an expert assessment of their homes and the program pays for home modifications that can save on heating costs. Other services include health-related repairs such as painting with mold-resistant products.
Mid-Cumberland Meals on Wheels(615) 895-1870Homebound seniors in Murfreesboro can contact this service for free home-delivered hot meals during the week. All food is approved by a dietitian and the quality is in line with Health Department standards.
Low-Income Energy Assistance Program (LIHEAP)(615) 893-8938This benefit is overseen by the Mid-Cumberland community action agency and can help low-income older adults pay for their energy bills. The level of financial assistance seniors receive depends on income.
The Tennessee State Health Insurance Assistance Program(877) 801-0044The Tennessee SHIP is part of a nationwide initiative to help seniors understand Medicare and other health insurance options. Trained counselors can advise in areas such as Medicare enrollment, Medicare Part D and Medicaid benefits.

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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