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

The city of Naples, Florida, is located on the picturesque Gulf Coast. Naples is home to an estimated 19,400 residents, and 50.8%, which is above the national average, are of retirement age. As a result, there are many community resources for elders, including golf courses, senior centers and walking pathways. The NCH Healthcare System in Naples provides a range of medical services suited to the needs of area seniors. Naples seniors spend $5,720 per month for home care, which does not include medical treatment, according to data from the 2021 Genworth Cost of Care Survey. This type of care is best suited to seniors who require assistance with basic tasks such as grooming and bathing. Home health care offers limited skilled nursing to those who require medical care at home.

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

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Paying for Home Care in Naples, FL

The Cost of Home Care in Naples, FL

According to the 2021 Genworth Cost of Care Survey, the monthly average cost of home care services in Naples is $5,720, which is over $700 higher than the national average and almost $1,000 more than the Florida state median of $4,767. In fact, Naples is one of the most expensive cities for home care services in Florida. Home care is much more affordable in the nearby cities of Miami, Punta Gorda and Port St. Lucie. North Port offers home care services at precisely the same average cost as Naples.

Naples

$5,720

Florida

$4,767

The United States

$4,957

Miami

$4,195

Punta Gorda

$4,767

Port St. Lucie

$4,671

North Port

$5,720

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

At $5,720 per month home care services cost $420 more than assisted living services in Naples. Home health care is slightly cheaper at around $5,577 on a monthly basis. This type of care typically involves registered nurses or therapists and provides limited medical services. The most expensive option offered is nursing home care which has a median monthly cost of $9,277 for a semiprivate room. This level of care is best suited to seniors requiring full-time monitoring and medical assistance. 

Home Care

$5,720

Home Health Care

$5,577

Assisted Living

$5,300

Nursing Home Care (semiprivate room)

$9,277

Financial Assistance for Home Care in Naples, 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.

Naples 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 Naples:

ResourceContactAddressService
Naples Senior Center(239) 325-44445025 Castello Drive, Naples, FL 34103The Naples Senior Center is a nonprofit organization that helps enrich the lives of seniors and their families in the greater Naples area. The center provides a number of services to seniors, including dementia respite care, emotional support services, a food pantry and geriatric case management. All of these services are provided at minimal or no cost to seniors in the city. The food pantry is operated via donations and is open to any member of the public going through a situational crisis. Priority is given to senior citizens. Activities offered at the center include fitness classes, arts and crafts and social events. 
Financial Assistance(239) 252-45414898 Coronado Parkway, Naples, FL 34116This program is funded by the county of Collier and it provides once-off financial assistance to help seniors in the area who are going through a financial crisis. In order to qualify, applicants must be over the age of 60, meet a certain income level and be a resident of the county. This financial assistance can be used to pay rent or a mortgage, pay utilities and to purchase durable medical equipment. 
Emergency Home Energy Assistance Program(239) 252-2273Not ListedThis is a federal and state-funded program that aims to assist low-income households with at least one resident over the age of 60 who are experiencing a home energy emergency. The emergency may be a result of a shut-off notice or a delinquent utility bill. The program pays out a benefit twice a year, once in the summer and once in the winter to assist seniors in paying their utility bills. 
Meals on Wheels(239) 775-29074451 Mercantile Avenue, Naples, FL 34104The Saint Vincent de Paul Society is a non-profit organization that operates the Meals on Wheels service in Naples. The program delivers one meal per day to homebound seniors in the Naples area. It delivers meals from Monday to Friday and two frozen meals are delivered for the weekend. All of the meals are designed by a dietician to meet the nutritional requirements of senior citizens. There is no charge for the meals but donations are appreciated. Meals are delivered by volunteers from the community. 

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 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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