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The 10 Best Home Care Agencies for Seniors in Tampa, FL for 2024

Ranked as one of the best cities in the country for health care in Caring’s 2022 Senior Living Report, Tampa, Florida, is an excellent choice for seniors looking for a year-round warm climate, retiree-friendly tax laws and stunning nature. The 2021 Genworth Cost of Care Survey indicates that seniors in Tampa pay an average of $4,767 per month for home care services. Seniors who require light medical care may be more suited for home health care, which costs slightly more, and acute care can be obtained at Tampa General Hospital and HCA Florida South Tampa Hospital.

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

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Paying for Home Care in Tampa, FL

The Cost of Home Care in Tampa, FL

According to the Genworth 2021 Cost of Care Survey, the average monthly cost of home care in Tampa is $4,767, which is equal to the Florida average and $190 cheaper than the national median of $4,957. Rates in Orlando are the same as those in Tampa. Costs in nearby North Port are significantly higher than the Florida average at $5,720 per month, and in Cape Coral, seniors pay $5,196. Lakeland is the most affordable city for assisted living in the region at $4,576 per month.

Tampa

$4,767

Florida

$4,767

United States

$4,957

Orlando

$4,767

North Port

$5,720

Cape Coral

$5,196

Lakeland

$4,576

The Cost of Home Care vs. Other Senior Care Options in Tampa, FL

Various long-term care options are available for Tampa seniors, depending on their individual needs and preferences. The most affordable care option is adult day health care at $2,123. Seniors who prefer to receive their care at home pay $4,767 per month for home care and $4,862 for home health care, which includes skilled medical services. Assisted living is cheaper than home care at $3,350 per month. Nursing home care, which includes 24/7 medical care, is the most expensive senior care option at $8,927 per month. 

Home Care

$4,767

Home Health Care

$4,862

Adult Day Health Care

$2,123

Assisted Living Facility

$3,350

Nursing Home Care (semiprivate room)

$8,927

Financial Assistance for Home Care in Tampa, FL

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 Tampa, FL

Fortunately, Tampa has a number of resources and services that can help seniors age in place. Federal and local agencies provide assistance with needs, such as paying bills, home repairs and transportation. Seniors and their loved ones can find out more by contacting the numbers below. 

ResourceContactService
Weatherization Assistance Program(813) 626-4926THAPgroup´s Weatherization Assistance Program helps Tampa residents with home improvements. To be eligible, applicants must meet income guidelines (less than $24,280 per year for a one-person household). Eligible applicants will be put on a waiting list, and priority is given to seniors and disabled individuals. Some of the services offered include exterior wall insulation, air infiltration and pipe insulation.
Meals on Wheels Tampa(813) 238-8410Meals on Wheels offers a variety of programs, including Water on Wheels, Produce on Wheels and Hurricane Preparedness Packs. The main Meals on Wheels Program delivers hot homemade meals to in-need seniors daily. The service is available to seniors who are unable to leave their homes or unable to prepare food. The meals are charged on a sliding scale, depending on the individual's monthly income. Meals are delivered between 10 a.m. and 2 p.m., Monday through Friday.
The Emergency Home Energy Assistance for the Elderly Program (EHEAP)(850) 414-2000The EHEAP program assists low-income households with home energy emergencies. To qualify, at least one household member must be aged 60 or older. A home emergency could occur from a lack of fuel or wood, overdue utility bills or a disconnection notice. Payments are made directly to the utility company, and recipients may receive multiple benefits per year.
Seniors in Service(813) 932-5228Seniors in Service is a nonprofit organization that has a network of volunteers who support in-need individuals in the community. It operates a senior companion program that ensures seniors never feel lonely or isolated by providing them with ongoing companionship. Companions accompany seniors to social activities and medical appointments and support them with daily living tasks.

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.

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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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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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