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The Best Home Care Agencies for Seniors in Miami, FL for 2025
Caring.com offers a free service to help families find senior care and ...
authentic reviews to help you in your decision. On average in Miami, FL, residents and their loved ones rate In Home Care agencies 4.8 out of 5 stars across the options below.
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Paying for Home Care in Miami, FL
The Cost of Home Care in Miami FL
According to Genworth's 2024 Cost of Care Survey, home care in Miami costs approximately $5,720 — just $95 above Florida's statewide monthly median cost of $5,625. Expected costs in Cape Coral and Port St. Lucie are the same as in Miami. However, in Naples and Sebastian, estimated home care expenses are about $572 per month cheaper than in Miami.
Miami
$5,720
Florida
$5,625
United States
$5,720
Naples
$5,148
Cape Coral
$5,720
Port St. Lucie
$5,720
Sebastian
$5,148
The Cost of Home Care vs. Other Senior Care Options in Miami FL
In Miami, seniors pay around $5,720 per month for home care. Home health care, delivered by medical professionals, costs about the same. In contrast, nursing home care starts at $9,977 for a semi-private room. Assisted living stands at $5,250, making it a cheaper alternative to in-home care for those preferring to live in dedicated maintenance-free accommodations with on-site conveniences. Adult day health care is the most affordable option at $1,788.
Home Care
$5,720
Home Health Care
$5,720
Adult Day Health Care
$1,788
Assisted Living Facility
$5,250
Nursing Home Care (semi-private room)
$9,977
Financial Assistance for Home Care in Miami, 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 Miami, FL
Nonprofit organizations and government entities in Miami and throughout Miami-Dade County provide various programs designed to help seniors wanting to age in place. These programs are often offered at no cost but usually have income limits and help ensure that older adults can safely remain in their homes.
| Resource | Contact | Service |
|---|---|---|
| Meals on Wheels | (786) 469-4707 | The Meals on Wheels program delivers seven free meals to seniors aged 60 or older throughout Miami-Dade County. Participants must be disabled or homebound. Spouses without medical conditions also qualify without age restrictions. Meals arrive Mondays through Fridays and include milk, fresh fruit and other food items. |
| Miami-Dade County Community Resource Centers | (305) 545-2224 | Community Resource Centers throughout Miami-Dade County offer various services to low-income residents, including several programs to help seniors remain in their homes. These programs include elderly care planning, adult day care, home care assistance, utility assistance, meals for the elderly and more. |
| Home Weatherization Assistance | (786) 469-4600 | Community Action and Human Services provides Home Weatherization Assistance through the federally funded Weatherization Assistance Program. Low-income seniors may apply for cost-saving measures, including additional insulation, weather-stripping and repair or replacement of heating and cooling systems, windows, water heaters, exterior doors and refrigerators. Applicants must meet income requirements and own their homes. |
| Emergency Home Energy Assistance for the Elderly Program (EHEAP) | (800) 963-5337 | EHEAP helps low-income households with at least one resident aged 60 or older experiencing a home energy emergency. Qualifying emergencies include delinquent utility bills or shut off notices for heating or cooling services or lack of fuel or wood for heating in the winter. Participants must meet income requirements. |
| Senior Exemption and Long-Term Resident Senior Exemption | (305) 375-4125 | Homeowners aged 65 or older may qualify for two additional property tax exemptions above the standard homestead exemption. The Senior Exemption saves seniors on their city and county property taxes and the Long-Term Resident Senior Exemption saves on the ad valorem portion of their tax bill. Applicants must meet income requirements. |
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.
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.
Frequently Asked Questions
Reviews of Care Providers Nearby
Home Care
Anonymous_1790585367
4.0
Review of Right at Home South Miami
I would like to see the quality of the staff improved. They take her where she needs to go.
Home Care
John W_94
5.0
Review of Right at Home South Miami
I really like the individual I'm working with. There are some things I can't do because of my health, and they help me out while I recover.
Provider response
Thank you so much for taking the time to share your feedback with us! We're truly glad to hear that you're happy with the caregiver you're working with during your recovery. Supporting our clients...
Home Care
John_21
5.0
Review of SYNERGY HomeCare of Miami, Florida
I liked that everybody was very polite and responsive. The service was extremely good.