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

One of the safest and most affluent cities in Metro Detroit, Novi offers seniors the ideal comforts of suburban Midwestern living. The city has a senior center, book club and other outreach services for seniors. Novi is also home to Ascension Providence Hospital – Novi Campus and Henry Ford Medical Center – Columbus, supporting the health care needs of the city’s 66,000 residents, of whom 14% are seniors aged 65 and older — slightly less than the national rate.

Home care in Novi costs $5,720 per month, according to Genworth Financial’s 2021 Cost of Care Survey. This provides help with household and daily tasks. For additional light medical services, seniors should opt for home health care instead.

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

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Paying for Home Care in Novi, MI

The Cost of Home Care in Novi, MI

As a Detroit suburb, Novi has an average home care cost of $5,720 per month. According to Genworth Financial’s 2021 Cost of Care Survey, this figure is higher by almost $200 compared to the Michigan average of $5,529, and it is nearly $800 above the U.S. median of $4,957. The more affordable options are Flint and Monroe, which save Novi seniors approximately $400-$600 per month. Novi costs almost $100 more than state capital Lansing, but it’s less expensive than Ann Arbor by nearly $400.

Novi

$5,720

Michigan

$5,529

The United States

$4,957

Ann Arbor

$6,101

Flint

$5,148

Lansing

$5,625

Monroe

$5,339

The Cost of Home Care vs. Other Senior Care Options in Novi, MI

Novi’s home care and home health care costs are both $5,720 per month, and the latter option may cost higher based on the level of clinical care that is provided. Assisted living costs approximately $1,500 less than home care and already pays for homelike accommodations, while semiprivate-room nursing home care costs 55% more. Novi seniors who are able to receive nonresidential health support may consider adult day health care, which is only one-fourth the cost of home care.

Home Care

$5,720

Home Health Care

$5,720

Adult Day Care

$1,430

Assisted Living

$4,215

Nursing Home Care (semiprivate room)

$8,882

Note: Data for Novi was unavailable, so data for the nearest city, Detroit, was used instead.

Financial Assistance for Home Care in Novi, MI

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.

Novi 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 Novi:

ResourceContactAddressService
City of Novi Minor Home Repair Program(248) 735-569245175 Ten Mile Road, Novi, MI 48375The City of Novi Minor Home Repair Program helps eligible homeowners make priority improvements to their residences. Participants could receive grants up to $5,000 to enhance the safety and energy efficiency of their homes. Repairs include:
Oakland Meals on Wheels(248) 689-00013179 Livernois Road, Troy, MI 48083Oakland Meals on Wheels is a nonprofit helping homebound seniors in Novi and nearby cities combat hunger, loss of independence and isolation. Volunteers bring hot, nutritious meals to participants’ homes every day. These friendly visits provide a few minutes of companionship and also serve as safety checks.
Transportation Service(248) 347-041445175 Ten Mile Road, Novi, MI 48375Novi offers free rides within the city for residents aged 55 and older or with certain disabilities. Transportation is available Monday through Friday from 8 a.m. to 7 p.m. and 9 a.m. to 3 p.m. on Saturday except on city holidays. Riders can travel outside of the city limits within a 10-mile range from the Novi Civic Center for a $5 one-way fee. Standard or disability-accessible vehicles are scheduled according to the needs of each passenger. Reservations must be made 24 hours in advance. This curb-to-curb service can transport seniors to:
Interfaith Volunteer Caregivers(586) 757-555125650 Kelly Road, Roseville, MI 48066Serving Macomb County and parts of Oakland and St. Clair counties, IVC matches volunteers with older adults to help them remain safe, comfortable and valued as they age at home. These volunteers provide friendly visits and supportive phone calls. They also perform light housekeeping, meal preparation and offer respite care for full-time family caregivers. Seniors may also receive help with minor household chores, home maintenance and repairs or yard work.

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 in-home care
Checklist for determining the need for in-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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