The 10 Best Home Care Agencies for Seniors in New Baltimore, MI for 2024

New Baltimore is a city on the shores of Anchor Bay and home to a bit more than 12,000 people. About 1,700 of these residents are aged 65 and older. While this is a relatively low population of seniors, these older adults benefit from low health care costs, recreational opportunities and senior-friendly resources. While the number of physicians per capita in the city is lower than the national average, Harbor Oaks Hospital is within the city limits.

Below we’ve compiled a comprehensive directory of every home care provider in the New Baltimore 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.

Families in New Baltimore pay an average of $5,720 per month for home care according to the Genworth Cost of Care Survey for 2021. This is just slightly more than the average cost of $5,529 per month for families in Michigan. The national average for home care is $4,957. There are several cities in Michigan where home care costs are higher than in New Baltimore, including Ann Arbor at $6,101 and Muskegon at $6,340 per month. Rural parts of the state, such as Saginaw at $4,195 per month, have less expensive home care. In Lansing, the state capital, the median price is $5,625 per month.

Although home health care offers limited medical services that are not available with in-home care, both options have the same average price in New Baltimore. Adult day health care may be a more affordable option for seniors who can leave their homes daily. New Baltimore’s assisted living facilities have an average monthly cost of $4,215. Nursing homes are the most expensive type of care at $8,882 per month. 

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.