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The 10 Best Home Care Agencies for Seniors in Wareham, MA for 2024

Wareham is a pleasant and peaceful Plymouth County town at the head of Buzzards Bay, known as the gateway to Cape Cod and often included among the cape’s towns. According to the 2020 Census, it is home to 23,303 residents — 26.5% of which are age 65+. This is significantly more than the national average of 16.8%, which may reflect the town’s appeal to older citizens. There is a strong sense of community in Wareham, with neighbors often joining together in local traditions, such as the Blessing of the Fleet and the Christmas Parade. The primary medical facility in Wareham is Tobey Hospital, but seniors don’t have far to travel for alternatives, such as Cape Cod Hospital and Israel Deaconess Hospital-Plymouth. Those in need of medical care that can be delivered at home can contact one of the region’s many home health care agencies, while seniors best served by nonmedical home care agencies can get assistance for around $6,673 per month, according to the Genworth Financial’s 2021 Cost of Care Survey.

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

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Paying for Home Care in Wareham, MA

The Cost of Home Care in Wareham, MA

The findings of the 2021 Genworth Cost of Care Survey reveal the median monthly fee in Wareham for home care to be $6,673 per month. This is significantly more than the norm for Massachusetts ($5,911) and the country ($4,957). It’s also more costly than every surveyed city in the state, including Boston ($6,292), Worcester ($5,720) and Springfield ($5,339). Wareham is also more expensive than nearby Providence, Rhode Island, where the typical senior pays $5,720 per month.

Wareham

$6,673

Massachusetts

$5,911

The United States

$4,957

Boston

$6,292

Worcester

$5,720

Springfield

$5,339

Providence, Rhode Island

$5,720

The Cost of Home Care vs. Other Senior Care Options in Wareham, MA

Home care and home health care share a median fee of $6,673 in Wareham, although the two services can’t be directly compared as the former is nonmedical and the latter, medical. Home care services can be compared to adult day care, which has a median fee of $953, although it isn’t suitable for homebound seniors. Assisted living, at $7,000, may be an option, but the senior will need to relocate. Nursing home care is the costliest option at $12,836.

Home Care

$6,673

Home Health Care

$6,673

Adult Day Care

$953

Assisted Living

$7,000

Nursing Home Care (semiprivate room)

$12,836

Note: Data for Wareham was unavailable, so data for the nearest city, Barnstable, was used instead.

Financial Assistance for Home Care in Wareham, MA

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.

Wareham 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 Wareham:

ResourceContactAddressService
Senior Citizen Tax Work-off Program(508) 291-310054 Marion Rd., Wareham, MA 02571Seniors in Wareham who earn less than $37,750 per year have the opportunity to work off some of their real estate tax burden by volunteering. Participants can volunteer up to 100 hours and receive $1,200 in real estate tax credit. This compensation is given in the form of a voucher that can be submitted to the Tax Collector as proof of volunteering. Applications for this tax credit are available at the Selectmen’s Office, or at the Wareham Council on Aging or its website.
Family Caregiver Support Program(508) 584-1561144 Main St., Brockton, MA 02301Caregivers in Wareham who could use some relief from their important duties can take advantage of this caregiver support program. The respite services offered through this program include homemaking, personal care, laundry, grocery shopping and companionship. These services are designed to provide relief for caregivers and help seniors in the community avoid having to move into nursing homes. FCSP can also help families develop their own self-care plans. This program is provided by Old Colony Elder Services.
Energy Efficiency Programs(508) 771-5400460 West Main St., Hyannis, MA 02601The Housing Assistance Corporation of Cape Cod offers low-income seniors in Wareham several different programs that can improve comfort, increase energy efficiency and lower energy bills. These programs include weatherization, fuel assistance, appliance replacement and heating system repairs and replacement. In order to qualify, applicants must earn 60% or less of the Area Median Income (AMI). Approved applicants receive a free home energy assessment to determine their exact needs.
Wareham Council on Aging(508) 291-313048 Marion Rd., Wareham, MA 02571This city program was created to help seniors living in the community age in place more gracefully. Their services include health screenings, social day care, fuel assistance and local transportation. They also offer loans for durable medical equipment which can help low-income seniors afford major quality-of-life improvements. The council is able to provide these services through taxes, donations and volunteers from the community.

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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