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The 10 Best Home Care Agencies for Seniors in Rochester, NY for 2024

Set along Lake Ontario, the city of Rochester has been deemed by Caring’s 2022 Senior Living Report as one of the best places for retirees in New York State. The city ranked first in the state in the Affordability category. Housing, in particular, costs substantially less than in other New York regions. Many highly ranked health care providers in the city include the Rochester General Hospital, with its specialized senior care department. Seniors who wish to continue living independently in Rochester can receive home care for an estimated $5,720 per month. Home health aides share the same average cost, even if they also include additional nursing services such as diabetes management.

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

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Paying for Home Care in Rochester, NY

The Cost of Home Care in Rochester, NY

The median home care cost in Rochester is $5,720, which is $381 higher than the New York norm of $5,339 and significantly above the U.S. average of $4,957. Prices in other cities in the state’s northwestern corner, such as Buffalo and Binghamton, are substantially more affordable than in Rochester. However, Syracuse residents spend $5,911 on home care, which is $191 more than in Rochester. Home care in Ithaca is among the most expensive in the state, with a median fee of $6,101.

Rochester

$5,720

New York

$5,339

The United States

$4,957

Buffalo

$4,957

Syracuse

$5,911

Ithaca

$6,101

Binghamton

$4,814

The Cost of Home Care vs. Other Senior Care Options in Rochester, NY

Both home care and home health care agencies charge the same average prices in Rochester, although the latter includes light medical services. Adult day health care is the city’s most affordable senior care option at $1,907 per month. For seniors who need assistance with daily living tasks and are comfortable relocating, assisted living facilities offer care at a median cost of $3,775 — nearly $2,000 lower than home care. Nursing homes are the most expensive type of senior care available in Rochester, at $12,471.

Home Care

$5,720

Home Health Care

$5,720

Adult Day Health Care

$1,907

Assisted Living

$3,775

Nursing Home Care (semiprivate room)

$12,471

Financial Assistance for Home Care in Rochester, NY

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 Rochester, NY

Older Rochester residents can seek assistance from several nonprofit and government agencies serving seniors in the area. Aging in place resources can help ensure seniors’ basic needs are met so they can avoid unnecessary institutionalization into a care facility. 

ResourceContactService
Expanded In-home Services for the Elderly Program (EISEP)(585) 506-3072The state of New York and Monroe County jointly funds the EISEP Community Collaboration program. This program ensures seniors receive the care they need at home to help them avoid having to move to a nursing home. Eligible seniors are appointed a case manager who can help them access the services they need.
The Home Energy Assistance Program (HEAP)(585) 244-8400, ext. 102HEAP is a financial assistance benefit that helps low-income older adults afford their energy bills. Seniors might be able to receive help with paying for their utilities. Homeowners may also benefit from additional assistance in repairing heating equipment such as furnaces.
Lifespan In-Home Financial Management(585) 244-8400This Lifespan program can help older adults stay on top of their financial obligations. Volunteer financial advisors visit seniors in their homes to help them manage their benefits and budget for bills, medical insurance and other living costs.
The Monroe County Office for the Aging Meals at Home Program(585) 787-8397Meals at Home is a Monroe County Office for the Aging program delivered by UR Medicine Home Care. Seniors age 60+ can request low-cost home-delivered meals when homebound and unable to prepare their own food due to health conditions.
City of Rochester Housing Rehabilitation Programs(585) 428-6963The City of Rochester runs several programs that can help older residents stay on top of their home maintenance. Help comes in the form of an interest-free loan that can cover small repair work such as installing wheelchair ramps, repairing appliances and roof repair.

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 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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