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The 10 Best Home Care Agencies for Seniors in Toledo, OH for 2024

Toledo is a mid-sized city in the Midwestern state of Ohio and is best known for being the glass-making capital of the country. It also has historic roots as one of the country’s earliest and most important port cities, thanks to its location on the shores of Lake Erie. The lake provides retirees and other residents of Toledo with plenty of opportunities for relaxation and recreation, from freshwater fishing to peaceful picnics on the sand. Those over the age of 65 make up 14.4% of Toledo’s overall population of approximately 268,500 citizens. Toledo residents have a variety of health care options, including the University of Toledo Medical Center and ProMedica Toledo Hospital.

Toledo seniors who opt to age in place often hire home care services to provide assistance with activities of daily living, such as bathing, grooming, housework and meal preparation. The average cost of home care in Toledo is $4,957 per month, according to the 2021 Genworth Cost of Care Survey.

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

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Paying for Home Care in Toledo, OH

The Cost of Home Care in Toledo, OH

At $4,957 per month, home care costs in Toledo are the same as the Ohio and national averages, both of which are $4,957. Across the state of Ohio, home care costs range from a low of $4,052 in Akron to a high of $5,625 in the capital city, Columbus. Residents of Cincinnati in the southwestern part of the state pay a monthly average of $5,148, while their neighbors on the other side of the state near Youngstown, Pennsylvania, pay an average of $5,339.

Toledo

$4,957

Ohio

$4,957

The United States

$4,957

Akron

$4,052

Columbus

$5,625

Cincinnati

$5,148

Youngstown

$5,339

The Cost of Home Care vs. Other Senior Care Options in Toledo, OH

At an average of $4,957, home care is one of the least affordable senior care options in Toledo. Home health care is also $4,957, which is more than $600 more than the average monthly cost for an assisted living facility of $4,219. Those opting for adult day health care pay the least at $2,145, while others who seek nursing home care pay the most at $7,057 for a semiprivate room. 

Home Care

$4,957

Home Health Care

$4,957

Adult Day Care

$2,145

Assisted Living

$4,219

Nursing Home (semiprivate)

$7,057

Financial Assistance for Home Care in Toledo, OH

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.

Toledo 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 Toledo:

ResourceContactAddressService
SeaGate Food Bank of Northwest Ohio(419) 244-6996526 High Street, Toledo, OHOver 400 local food pantries are serviced by this organization, a non-profit agency accredited by the Better Business Bureau. Programs include food pantries for those with demonstrated financial need. SeaGate also offers special senior boxes in addition to the regular pantry services. These boxes are intended to provide the elderly with supplemental foods to help them meet their nutritional needs.
Neighborworks Toledo(419) 691-2900704 Second Street, Toledo, OH 43605Weatherization services for the elderly and those in financial need is the focus of this volunteer-lead program. The Home Weatherization Assistance Program (HWAP) offers help to make each home more energy-efficient and comfortable in the winter. Services include installing insulation, safety inspections and tune-ups of heating units, insulation of sidewalks, insulation of water tanks and replacing or repairing sealants around the windows and doors. Each client receives a personalized energy management plan as well.
The Salvation Army(419) 241-1138620 N Erie Street, Toledo, OH 43604This faith-based charity has plenty of programs to help seniors in the Toledo area. There are several branches of the Salvation Army in the city, many of which have discount stores where those on a limited budget can purchase household gods or clothing on a budget. Caseworkers are on-site at this main location to assist seniors in applying for benefits with as Medicaid and Social Security or disability. Many centers have special programs to encourage socialization, such as hobby classes, special guest speakers and fitness programs.
60 Plus Senior Programs(419) 213-4100635 N. Erie Street, Toledo, OH 43604The Toledo-Lucas County Health Department sponsors a health screening program designed especially for the medical needs of its elderly population. Efforts include helping seniors preserve their independence and promote disease prevention and overall mind-body health. Programs include health assessments for blood pressure, review of medical history, good nutrition, vision and dental care and health risk factors. For those who need them, caseworkers give referrals for health conditions that need to be addressed.
Mobile Meals of Toledo(419) 255-78062200 Jefferson Avenue, Toledo, OH 43604Seniors who are unable to prepare healthy meals on their own may be eligible for the income-based Meals on Wheels program from the Mobile Meals charity. Volunteers deliver hot meals five days a week and provide companionship. For those who are eligible, frozen meals for evenings and weekends are also provided.

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
Checklist for determining the need for home care
Checklist for determining the need for home care
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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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