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

In Caring’s 2022 Senior Living Report, Ocala, Florida, ranks among the best places to retire for seniors seeking an attractive neighborhood with a Southern feel, low living costs and an abundance of outdoor recreational activities. According to the 2021 Genworth Cost of Care Survey, seniors who need personal care and help with daily tasks pay a monthly average of $4,576 for home care services. Home health care is also available for those who require limited skilled nursing services or physical therapy. Seniors have access to several affordable health care facilities, including the HCA Florida Ocala Hospital and AdventHealth Ocala.

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

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Paying for Home Care in Ocala, FL

The Cost of Home Care in Ocala, FL

Genworth’s 2021 Cost of Care Survey reports that seniors pay an average of $4,576 per month for home care, which is $191 lower than the state median of $4,767 and $381 lower than the national median of $4,957. Home care costs in Jacksonville are a little lower at $4,481. While Deltona shares the same rate as Ocala, Orlando’s rates coincide with the state at $4,767. Average monthly prices in The Villages are much higher at $5,720.

Ocala

$4,576

Florida

$4,767

The United States

$4,957

Jacksonville

$4,481

Deltona

$4,576

Orlando

$4,767

The Villages

$5,720

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

Ocala seniors have numerous long-term care options based on their needs and living preferences. Home health care includes medical services, usually administered by registered nurses or therapists, and is a little higher than home care at $4,767 per month. At $1,408, adult day care is the most affordable choice. While assisted living communities provide a similar scope of care, it costs $726 less than home care at an approximate rate of $3,850 per month. Nursing homes charge a monthly average of $7,908, making them the most expensive option in Florida.

Home Care

$4,576

Home Health Care

$4,767

Adult Day Health Care

$1,408

Assisted Living Facility

$3,850

Nursing Home Facility (semiprivate room)

$7,908

Financial Assistance for Home Care in Ocala, 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.

Free & Low-Cost Home Care Resources in Ocala, FL

The arrangement of home care services is only one component of aging in place gracefully. Seniors in Ocala have access to many free or low-cost programs and services to help them enjoy an independent lifestyle while remaining in the comfort of their own homes. The following resources can lower monthly expenses by assisting with health care, rent, utilities, food, transportation and in-home care.

ResourceContactService
Department of Elder Affairs(800) 963-5337The Department of Elder Affairs manages programs and services for senior Floridians through Area Agencies on Aging operating as Aging and Disability Resource Centers. Information and referrals are available for emergency home energy assistance, food and nutrition programs, transportation services, housing options, Medicaid long-term care services and legal help. Other programs include home care for the elderly, national family caregiver support, respite care and the long-term care ombudsman.
Florida Council on Aging(850) 222-8877The Florida Council on Aging serves senior communities throughout the state by offering information, education and advocacy. The council maintains an online guide to connect seniors with various aging resources, including an elder helpline, the Florida Long-Term Care Ombudsman Program, elder abuse prevention, long-distance caregiver safety tips, food assistance, Alzheimer's and dementia, Medicare, insurance programs and prescription drug assistance programs.
Marion Senior Services(352) 620-3501A nonprofit organization, Marion Senior Services provides elders with the support they need to remain independent for as long as possible and safely age in place. In addition to coordinating congregate meals and delivering meals to homebound seniors, it offers an in-home support program. Services include assistance with personal care, medication management, light housekeeping, companionship and caregiver support.
Community Foundation for Ocala/Marion County(352) 622-5020The Community Foundation for Ocala/Marion County is a nonprofit organization committed to enhancing the quality of life of Marion County residents. It maintains a comprehensive list of community resources that provides information and assistance on various services available within the community. These include a community resource helpline, free or low-cost legal services, in-home care for seniors, rent and utility assistance, health and medical assistance, transportation, food assistance and many other programs.

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.

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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.

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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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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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