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The 10 Best Home Care Agencies for Seniors in Summerville, SC for 2024

Summerville, South Carolina, is a city of about 51,000 residents. Seniors aged 65 and over comprise 13.8% of Summerville’s population, a figure below the national average of 16.8%. The city’s cost of living is almost on par with the national average, but its housing and health care costs run a little lower. The climate is warm in the summer but quite comfortable in the winter. Summerville Medical Center and Roper St. Francis Berkeley Hospital serve residents’ health care needs. According to the 2021 Genworth Cost of Care Survey, seniors in Summerville can expect to pay $5,005 per month for home care, which includes assistance with daily living activities and housekeeping but not the medical services offered by home health care.

Below we’ve compiled a comprehensive directory of every home care provider in Summerville– 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 Summerville, SC

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Paying for Home Care in Summerville, SC

The Cost of Home Care in Summerville, SC

Summerville’s average home care cost of $5,005 as listed in the 2021 Genworth Cost of Care Survey runs on the high side compared to the national and state averages and to other South Carolina cities. Summerville’s costs top the national average by less than $50, but they are over $570 higher than the state average. Hilton Head Island to the south offers a cost hike of over $500, but Sumter, Myrtle Beach and Columbia are all lower in price by up to $620.

Summerville

$5,005

South Carolina

$4,433

The United States

$4,957

Hilton Head Island

$5,577

Sumter

$4,957

Myrtle Beach

$4,576

Columbia

$4,385

The Cost of Home Care vs. Other Senior Care Options in Summerville, SC

Home care costs in Summerville are lower than nursing home rates by over $2,500, but seniors who require significant medical care may need to consider a nursing home. Assisted living runs lower than home care by $1,060, and this may be a good option for seniors willing to relocate. Home health care costs are equivalent to those of home care, but services are different, with home health care provided by licensed nurses and therapists. Adult day programs cost the least of the available options.

Home Care

$5,005

Home Health Care

$5,005

Adult Day Health Care

$1,381

Assisted Living

$3,945

Nursing Home Care (semiprivate room)

$7,513

Note: Data for Summerville was unavailable, so data for the nearest city, Charleston, was used instead.

Financial Assistance for Home Care in Summerville, SC

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.

Summerville 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 Summerville:

ResourceContactAddressService
Dorchester Seniors(843) 871-5053312 North Laurel Street, Summerville, SC 29483Dorchester Seniors is a nonprofit corporation that coordinates with other social organizations and agencies throughout the area of Dorchester County to provide senior residents 60 or older with advocacy services and direct social support via the programs it helps run. Their services to the elderly include in-home care support, meal services and transportation. Seniors can also participate in numerous social activities that Dorchester Seniors organizes. Group lunches are available from 12 p.m. Monday to Friday at both of the organization’s senior centers at no cost and Dorchester Seniors also delivers lunches to homebound elderly residents.
GetCareSC(800) 868-90951301 Gervais St Suite 350, Columbia, SC 29201The state government of South Carolina manages and offers the GetCareSC service through its Department of Aging to residents of the state. GetCareSC essentially offers a massive online resource portal with assorted digital search tools that the elderly, their caregivers and their family members can use to rapidly find legal support programs, financial support services, and medical care subsidy programs available to them. The search portal is curated and regularly updated by the South Carolina Department of Aging.
Charleston Area Senior Citizens(843) 722-4127259 Meeting Street Charleston, SC 29401Charleston Area Senior Citizens (CASC) is a local nonprofit that offers Meals on Wheels services and other assistance to elderly residents of the greater Charleston area, which includes Summerville. This organization offers group dining sessions for the elderly too. CASC’s home delivery of meals is done through its coordination with the regional Meals on Wheels program. The CASC also manages an assisted living residence in central Charleston with subsidized services. This is open to a limited number of seniors through an application process.
South Carolina Weatherization Assistance Program (WAP)(803) 734-06621205 Pendleton St, Columbia, SC 29201The Federal Government largely funds the state Weatherization Assistance Program for South Carolina. This particular program gives preference to households with families that have disabled members and to homes with elderly individuals 60 or older. Seniors receiving veterans benefits and Supplemental Social Income payments are automatically eligible to join. Otherwise, the program requires that those who apply earn $25,760 or less per year per individual in the household.

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.

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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