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The 10 Best Home Care Agencies for Seniors in Schaumburg, IL for 2024

One of Chicago’s northwestern suburbs, Schaumburg is home to over 76,000 people, with 15.4% being 65 and older. Even though the overall cost of living is 7.4% higher than the national average, health care is more affordable at 12% lower than average. While Schaumburg doesn’t have a hospital, it’s close to Northwest Community Hospital in Arlington Heights, where seniors can access the emergency department and many medical specialties, including cardiology, imaging and rehab services. Crime rates are relatively low, with violent crime ranking 10.1 out of 100 compared to the national average of 22.7. Schaumburg has a median home care cost of $5,672 per month. This service offers personal care, while home health care offers skilled nursing, medication management and other licensed medical services.

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

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Paying for Home Care in Schaumburg, IL

The Cost of Home Care in Schaumburg, IL

Seniors can expect to pay $5,672 per month for home care in Schaumburg. That’s about $333 more than the Illinois median and $715 more than the national median. Schaumburg is the most expensive location in the state for home care. Rockford is similar at $5,625 per month. Kankakee has a median cost that’s about $524 less, while Bloomington costs around $619 less. Decatur is one of the lowest-priced options, costing about $905 less.

Schaumburg

$5,672

Illinois

$5,339

United States

$4,957

Kankakee

$5,148

Bloomington

$5,053

Rockford

$5,625

Decatur

$4,767

The Cost of Home Care vs. Other Senior Care Options in Schaumburg, IL

While nonmedical home care costs $5,672 per month, there are other options depending on budgets and needs. Home health care, which includes skilled nursing and other medical services, costs about $48 more per month. Seniors who want to save money might consider adult day health care, which costs $3,830 less per month. Assisted living is also cheaper than home care in Schaumburg, with a median cost of $4,825. For a residential option with skilled nursing care, a semiprivate room in a nursing home typically costs approximately $1,324 more than home care.

Home Care

$5,672

Home Health Care

$5,720

Adult Day Health Care

$1,842

Assisted Living

$4,825

Nursing Home Care (semiprivate room)

$6,996

Note: Data for Schaumburg was unavailable, so data for the nearest city, Chicago, was used instead.

Financial Assistance for Home Care in Schaumburg, IL

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 Schaumburg, IL

Schaumburg seniors have access to several free or low-cost services from nonprofit organizations in the area. These services make home care more affordable by helping with meals, transportation and activities. The following chart highlights several key programs that seniors can use to stay safe and save money while living at home.

ResourceContactService
The Barn Senior Program(847) 524-7496The Village of Schaumburg runs The Barn Senior Program where seniors can gather for fellowship. It offers several programs, including lunches during the week, free produce, an intergenerational garden, seminars and many activities.
Kenneth Young Center(847) 621-2040The Kenneth Young Center offers a broad range of resources and services for seniors. Options include support groups, education programs, a Memory Cafe, in-home assessments and care coordination. Seniors who qualify can receive Meals on Wheels and other services through the center.
Transportation Services(847) 923-3861Schaumburg offers several senior transportation services, including reduced fare and ride free cards for Metra, Pace buses and CTA buses and trains. The Senior and Disabled Taxi Program offers reduced taxi fares. The DART service also offers discounted door-to-door senior transportation.
Township of Schaumburg Senior Services(847) 285-4541Available to residents 55 and older, the Senior Services department provides information, referrals and benefits counseling for qualified individuals. It offers a senior will program for reduced fees on wills, living wills and powers of attorney.
Project Help(847) 348-7274This program helps reunite individuals with cognitive impairments with their caregivers if they become lost, injured or otherwise unable to return home. This can be helpful for seniors with cognitive impairments who live alone and could get lost in the community.
Township of Schaumburg Veteran Services(217) 836-6691For senior veterans living at home, the Township of Schaumburg Veteran Services Department can provide assistance. The office provides walk-in service for veterans and their families who need information on benefits they qualify for, such as disability and burial.

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.  

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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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