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The 10 Best Home Care Agencies for Seniors in Norwalk, CT for 2024

Norwalk is a vibrant community noted for its beautiful sights and high access to medical and long-term care. One major medical facility, the 366-bed Norwalk Hospital, is located in the city proper, and there are approximately 288 doctors per capita compared to the national average of 210. Of the city’s residents, those aged 65 and over make up just over 15%, which is low compared to the state as a whole. Even so, access to age-friendly amenities makes it a great retirement option. Home care, which includes non-medical services such as housekeeping and personal care, costs $5,339 per month here. This rate also applies to home health care, which features skilled nursing services.

Below we’ve compiled a comprehensive directory of every home care provider in the Norwalk 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 Norwalk, CT

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Paying for Home Care in Norwalk, CT

Home care agencies in Norwalk charge $5,339 monthly, according to data published in the 2021 Genworth Cost of Care Survey. This is nearly $400 higher than the national average of $4,957 but only about $100 higher than the state norm of $5,243. In New Haven, monthly care costs are equal to the state average at $5,243, and in Hartford, rates are in line with care costs in Norwalk at $5,329. In Norwich, home care rates are the highest recorded in the state at $5,506.

The Cost of Home Care in Norwalk, CT

Norwalk

$5,339

Connecticut

$5,243

The United States

$4,957

New Haven

$5,243

Hartford

$5,329

Norwich

$5,506

The Cost of Home Care vs. Other Senior Care Options in Norwalk, CT

Seniors in Norwalk pay $5,339 per month for home care, which includes personal care services, as well as for home health care, which also includes limited skilled nursing services. Home-based care is an affordable alternative to assisted living, which provides personal care in a residential community setting for $6,273 monthly. Adult day health care is an affordable alternative to home care at $1,619, but nursing home care is costlier at $16,805. 

Home Care

$5,339

Home Health Care

$5,339

Adult Day Health Care

$1,619

Assisted Living Facility

$6,273

Nursing Home Facility (semiprivate room)

$16,805

Financial Assistance for Home Care in Norwalk, CT

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.

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

Frequently Asked Questions

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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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