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The 10 Best Home Care Agencies for Seniors in White Plains, NY for 2024

White Plains is a suburb of New York City. It has a population of close to 60,000 with 19% aged 65 and older. The city has a low crime rate and the number of physicians per capita is almost double the national average. For medical care, the White Plains Hospital is an award-winning facility that specializes in cardiac services, cancer care and orthopedics. Seniors can choose to receive care at home, which has an average monthly cost of $5,529. It helps with grooming, bathing, meals and transportation. Home health care includes light medical services. This guide includes the cost of home care, a list of resources for seniors and a list of frequently asked questions.

Below we’ve compiled a comprehensive directory of every home care provider in the White Plains 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 White Plains, NY

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Paying for Home Care in White Plains, NY

The Cost of Home Care in White Plains, NY

According to the Genworth 2021 Cost of Care Survey, seniors in White Plains can choose home care at a cost of $5,529 per month. This is more than the state average of $5,339 and the national average of $4,957. The actual cost may vary depending on the number of hours of care and where you are located. Poughkeepsie seniors pay the same as the state average, while Kingston and Albany residents pay approximately $5,148 per month. Binghamton charges some of the lowest home care fees nearby at $4,814.

White Plains

$5,529

New York

$5,339

The United States

$4,957

Poughkeepsie

$5,339

Kingston

$5,148

Binghamton

$4,814

Albany

$5,148

The Cost of Home Care vs. Other Senior Care Options in White Plains, NY

Home care, at $5,529 per month, is only one option for long-term care in White Plains. Home health care offers skilled nursing and other light medical assistance at $5,720 on average. Adult day health is the least costly senior care choice at $1,950 per month, while a semiprivate room in a nursing home is the most expensive at $12,471. An assisted living community has a median monthly cost of $5,720.

Home Care

$5,529

Home Health Care

$5,720

Adult Day Health Care

$1,950

Assisted Living Facility

$5,750

Nursing Home Facility (semiprivate room)

$12,471

Note: Data for White Plains was unavailable, so data for the nearest city, New York City, was used instead.

Financial Assistance for Home Care in White Plains, NY

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 White Plains, NY

Seniors in White Plains can live comfortably at home for longer through the assistance of several local programs and services. These programs provide financial assistance and may address expensive repairs, nutrition and caregiver support.

ResourceContactService
Home Rehabilitation Program(872) 292-5108Frisco's government and the U.S. Department of Housing and Rehabilitation provide the city's Home Rehabilitation Program. The program's goal is to help seniors bring their homes to livable standards and enhance and improve neighborhoods in the area. Repairs include removing lead-based paint and repairing floors, roofs and sidewalks.
Weatherization Assistance Program (WAP)(877) 541-7905WAP helps seniors on a budget make home repairs and upgrades to lower energy costs. These repairs include caulking, installing weather-stripping, adding insulation and the repair or replacement of inefficient HVAC systems.
Emergency Financial Assistance(972) 335-9495Frisco Family Services helps individuals with emergency utility payments and purchasing prescription medications and assists with other critical needs. It makes utility payments directly to utility companies on behalf of individuals. The service prioritizes seniors and those with disabilities.
Meals on Wheels Collin County(972) 562-6996Meals on Wheels of Collin County provides hot meals to North Texas seniors. The service delivers meals to approximately 2,000 seniors and congregate meals to local senior centers and provides companionship to those who are housebound.
Residential Homestead Exemption(972) 547-5020The residential homestead exemption program helps seniors in Collin County lower their property tax obligation by 12.5%. To qualify, seniors must own the property on January 1st of the year they apply, occupy it and have not claimed a homestead exemption on any other property.

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.

Download
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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