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The 10 Best Home Care Agencies for Seniors in Sterling Heights, MI for 2024

Caring.com’s 2022 Senior Living Report for Sterling Heights, Michigan ranks the city as the 10th best place for seniors to live in the state. Several factors make it an appealing location, including lower housing costs and crime rates and better air and water quality. Seniors who enjoy the outdoors have plenty of parks and golf clubs at their disposal, while shoppers have several malls, such as Sterling Place Plaza. The primary medical facilities are the Henry Ford Medical Center and the Henry Ford Macomb Hospital. Seniors able to receive basic medical care at home have many home health care agencies to choose from, while those better served by nonmedical home care agencies delivering personal care can get assistance for around $5,720 per month.

Below we’ve compiled a comprehensive directory of every home care provider in Sterling Heights– 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 Sterling Heights, MI

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Paying for Home Care in Sterling Heights, MI

The Cost of Home Care in Sterling Heights, MI

As Sterling Heights is only 30 minutes from Detroit, the 2021 Genworth Cost of Care Survey merges the home care cost results of both, producing a median monthly fee of $5,720. This is a little above Michigan’s average of $5,529 and significantly more than the country’s $4,957. It also places Sterling Heights at the costlier end of the spectrum, although not as expensive as Ann Arbor, where $6,101 is the norm. Seniors looking for more affordable options may want to consider Flint ($5,148), Lansing ($5,625) or Monroe ($5,339). 

Sterling Heights

$5,720

Michigan

$5,529

The United States

$4,957

Flint

$5,148

Lansing

$5,625

Ann Arbor

$6,101

Monroe

$5,339

The Cost of Home Care vs. Other Senior Care Options in Sterling Heights, MI

Except for nursing home care, which typically costs $8,882, home health care is the costliest senior medical care option, as it’s delivered by registered nurses and therapists. Home care is also $5,720, although this pays for personal care services and limited home maintenance. It’s costlier than assisted living’s $4,215 because care is one-on-one and the seniors needn’t relocate to an institution. Adult day care’s median of $1,430 is more affordable than home care, but is unsuitable for homebound seniors.

Home Care

$5,720

Home Health Care

$5,720

Adult Day Care

$1,430

Assisted Living

$4,215

Nursing Home Care (semiprivate room)

$8,882

Note: Data for Sterling Heights was unavailable, so data for the nearest city, Detroit, was used instead.

Financial Assistance for Home Care in Sterling Heights, MI

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.

Sterling Heights Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Sterling Heights:

ResourceContactAddressService
City of Sterling Heights Senior Assistance Services(586) 446-248940555 Utica Road, Sterling Heights, MI 48313The City of Sterling Heights offers a Senior Assistance Hotline that’s run in part by community volunteers. Elderly residents of the city can call to arrange for transportation services to clinical appointments, shopping destinations or to have food deliveries made. The hotline is available from 8:30 a.m. to 5:00 p.m. on weekdays.
Sterling Heights Parks and Recreation Senior Center(586) 446-275040200 Utica Road, Sterling Heights, MI 48313The Parks and Recreation department of Sterling Heights manages its own senior center, which offers resources and programs for older residents of the city. The Senior Center manages educational activities, fitness classes, sports league memberships and group socialization events throughout the year. It also offers exercise and games spaces inside the facility.
Area Agency on Aging 1-B(800) 852-779529100 Northwestern Hwy, Ste. 400, Southfield, MI 48034The Area Agency on Aging 1-B is the main elder services management agency for Macomb County and several neighboring counties. It offers information and assistance services, Meals on Wheels, community dining and transportation services by appointment. The AAA 1-B’s in-home care services are particularly notable because they offer direct financial support through several programs to eligible residents of Macomb and other counties.
Meals on Wheels, Macomb County(586) 469-522821885 Dunham Road, Suite 6, Clinton Township, MI 48036Meals on Wheels of Macomb County is available to seniors aged 60 or older who are homebound and residents of Macomb County. This county-funded service doesn’t have income requirements for eligibility but is dependent on clients being physically or emotionally incapable of preparing meals. Clients of Meals on Wheels are asked to make a token donation of $3.50 per meal. The service also offers group dining locations around Macomb County.
Michigan Weatherization Assistance Program (MWAP)(586) 469-632921885 Dunham Road, Suite 10, Clinton Township, MI 48036The Michigan Weatherization Assistance Program is federally and state-funded and administered by the Michigan Department of Human Services. Residents of Macomb County aged 60 or older can be given priority placement in the program, and if they receive Supplemental Security Income, they’re automatically eligible. Seniors who are interested in this program must have a household income of less than $25,760 for a single person or $34,840 for two people. The program offers no-cost sealing and insulation of owned or rented homes and repair/replacement services for HVAC systems and furnaces.

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 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.

Download
Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs
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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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