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The 10 Best Home Care Agencies for Seniors in Silver Spring, MD for 2024

Caring.com’s 2019 Senior Living Report determined that Silver Spring is the most attractive city for retirees in the state of Maryland. The city received great ratings for its access to healthcare, high air quality and availability of senior housing. Silver Spring is home to many quality hospitals such as the Holy Cross Hospital and the Adventist Health Care White Oak Medical Center. Health care prices in the area are nearly in line with the national average. The 2021 Genworth Cost of Care Survey averages the cost of home care in Silver Spring at $5,339 per month. Home health care in the city costs the same as home care, even though it also includes skilled nursing.

Below we’ve compiled a comprehensive directory of every home care provider in the CITY 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 Silver Spring, MD

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Paying for Home Care in Silver Spring, MD

The average Silver Spring resident pays $5,339 every month for home care. This rate is higher than both the U.S and the Maryland corresponding medians of $4,957 and $5,148.

The Cost of Home Care in Silver Spring, MD

Home care services cost more in Silver Spring than in other parts of Maryland. Seniors in the cities of Cumberland ($4,957) and Baltimore ($4,957) pay on average $382 less than in Silver Spring. The median rate in Hagerstown ($5,148) is a couple of hundred dollars below the cost in Silver Spring. Home care prices in California ($4,576) are the most affordable in the state and substantially lower than in Silver Spring.

Silver Spring

$5,339

Maryland

$5,148

The United States

$4,957

Hagerstown

$5,148

Baltimore

$4,957

California

$4,576

Cumberland

$4,957

The Cost of Home Care vs. Other Senior Care Options in Silver Spring, MD

Home health care is similar to home care — they both offer assistance with daily living tasks and the cost for both types of services in Silver Spring is the same. However, the former also includes nursing services such as medical monitoring and medication management. Adult day health care is another option for seniors who would like to live at home and receive care in a facility during the day. In Silver Spring the average price for this option is $2,282. Assisted living communities and nursing homes are residential units and they charge $5,948 and $11,467, respectively. 

Home Care

$5,339

Home Health Care

$5,339

Adult Day Health Care

$2,282

Assisted Living Facility

$5,948

Nursing Home Facility (semiprivate room)

$11,467

Financial Assistance for Home Care in Silver Spring, MD

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 Silver Spring, MD

There are several programs available for seniors in Silver Spring to help them remain independent at home for as long as possible. Seniors may be eligible for financial assistance and help with maintaining their properties. 

ResourceContactService
Montgomery County Utility Assistance Program(240) 777-4450Low-income seniors who are struggling to make their utility payments may be eligible for this Montgomery County Government assistance program. Applicants could receive a financial benefit they can use towards both their energy and water bills. The county determines who’s eligible based on household income.
Home Care / In Home Aide Services(240) 777-3000This program was created to help seniors in the area continue living at home for as long as it’s feasible. The county’s Department of Health and Human Services can supply low-income seniors with an in-home caregiver. The cost for this service is on a sliding scale, based on income.
Weatherization Program(301) 990-0014 Ext. 19Weatherization projects are free of charge and can help older adults save on their utility bills. Seniors who are eligible for this program can benefit from home improvement repairs such as insulation, appliance repair or replacement and air sealing.
Property Tax Credit for Elderly Individuals and for Military Retirees(240) 0777-0311Senior homeowners aged 65 and above may qualify for a substantial exemption on their property tax with this program. The tax credit is awarded to eligible older adults who have either owned their homes for at least 40 years or those who are military veterans.
Senior Call Check Program(866) 502-0560This is a free program the Maryland Department of Aging offers to all seniors aged 65 and above. Older adults can register to receive a phone call every day to check on their well-being. If the senior does not answer, either a family member or non-emergency local services are contacted to check in on the participant.

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 – oftentimes 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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