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

Q: What should I look for in a good home care agency near me in Palm Beach, FL?

When choosing a home care agency, make sure they offer the types of services you need. Read the company reviews to see what past clients have to say. Make sure the cost of care falls within your budget or that you have a way to pay for services. Inquire about the training processes for their caregivers. After you’ve narrowed your choices down to a few agencies, interview each one to ensure you work well together and to ask any important questions.

Q: How can I find home care agencies near me with availability?

<a href="https://www.caring.com/">Caring.com</a> offers a free search service to help you locate home care agencies near you. The search provides a summary of their services and the number of amenities the company offers. It also includes contact information so you can call to see if they have openings.

Q: How do you pay for senior care at home?

The most popular way to pay for <a href="https://www.caring.com/senior-care/">senior care</a> is private pay with savings and income. Some seniors have family members who are willing to pay. Other sources that may assist when paying for home care include annuities, investments and savings, life insurance and reverse mortgages. In some cases, private insurance or home and community-based service waivers can help cover the cost of some types of care.

Q: What is non-medical home care service?

<a href="https://www.caring.com/senior-care/in-home-care/">Non-medical home care</a> service includes any assistance that helps a senior live comfortably at home for as long as possible. It includes assistance with housekeeping, grooming, bathing, toileting and meal preparation. Non-medical support may also include companionship. Non-medical care is provided by home care aids instead of skilled nurses and physicians.

Q: What is private pay home care?

Private pay home care includes services that are paid for by family and friends or with an individuals’ private savings and income. It’s often referred to as out-of-pocket care or private duty nursing. Private pay may also include money from Social Security benefits, real estate, pensions, annuities and retirement accounts.

Based on Caring’s 2022 Senior Living Report, Palm Beach, Florida, ranks second overall in health care for seniors in the state. The cost of living in Palm Beach is slightly higher than both the state and national averages, but health care and housing here tends to be comparatively affordable. The city gets approximately 238 sunny days per year, and winters are mild with lows around 56 degrees. Good Samaritan Hospital is located in the downtown area and provides emergency treatment and care services ranging from cardiovascular to orthopedics.

Seniors can receive in-home help with personal care at $4,761 per month. Those who require medical assistance might choose home health care instead.

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

Home Care Agencies in Palm Beach, FL

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Paying for Home Care in Palm Beach, FL

Data compiled from the 2021 Genworth Cost of Care Survey shows that home care in Palm Beach costs around $4,671 per month. The state average is $4,767 and the national average is $4,957 per month. Sebring has the same cost as the state average, while Miami residents pay roughly $500 less than those in Palm Beach with a cost of $4,195. Sebastian seniors pay the most at $5,100 per month.

The Cost of Home Care in Palm Beach, FL

Palm Beach

$4,671

Florida

$4,767

The United States

$4,957

Sebastian

$5,100

Sebring

$4,767

Miami

$4,195

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

Throughout the region, senior care varies in cost from $1,517 per month for adult day health to $8,164 for a semiprivate room in a nursing home. Assisted living communities have an approximate cost of $3,763, while home care and home health is $4,671 per month. Home care includes non-clinical assistance, while home health care includes light medical services.

Home Care

$4,671

Home Health Care

$4,671

Adult Day Health Care

$1,517

Assisted Living Facility

$3,763

Nursing Home Facility (semiprivate room)

$8,164

Financial Assistance for Home Care in Palm Beach, 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 Palm Beach, FL

Palm Beach caters to older adults with a wide range of programs and services that address their overall quality of life. These resources come from both private agencies and government entities and are available at little to no cost.

Resource	Contact	Service
State Housing Initiative Program (SHIP) of Palm Beach County	(561) 233-3606	SHIP helps seniors and low-income families make needed repairs on their homes that address health and safety issues. The maximum award is $50,000. To qualify, the property value must not exceed $352,000 and seniors must meet the income requirements, which are based on the federal poverty level. Applications are accepted on a first-come, first-served basis depending on the amount of funds that are available.
Florida Low-Income Home Energy Assistance Program	(561) 355-4792	LIHEAP helps provide financial assistance to seniors who are facing disconnection on their utility bills. The program makes payments directly to the utility company on behalf of the homeowner, and applications may be submitted once per year.
Palm Beach County Weatherization Assistance Program	(305) 245-7738	The Palm Beach County WAP helps seniors improve the energy efficiency of their homes to lower heating and cooling bills. Repairs and upgrades include installing attic insulation, repairing siding, floors and roofs. It may also replace wood windows, doors and HVAC systems.
Meals on Wheels of the Palm Beaches	(561) 802-6979	Meals on Wheels is a national program that helps address hunger in older adults. Volunteers deliver hot meals Monday through Friday, with the exception of holidays, and may deliver frozen meals that can be heated at night and on weekends. Meals on Wheels volunteers also check to see if individuals who live alone are OK and can provide companionship.
Palm Beach County Homestead Exemption	(561) 355-2881	The homestead exemption program lowers the evaluated property value for seniors to help reduce their annual property tax bill. In Palm Beach and the state of Florida, the bill reduces the amount by $25,000 on property that is evaluated at $50,000 or more.

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

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