The Best Home Care Agencies for Seniors in Gardendale, AL for 2025

Prices for home care in Alabama are much lower than elsewhere in the United States. Even though Gardendale’s average monthly cost of $4,242 is nearly $700 cheaper than the U.S. average, it’s also over $400 more expensive than the Alabama average. The state’s lowest home care prices are in Anniston, where seniors pay $2,955 a month. Costs are also low in larger cities Mobile and Montgomery. They’re highest in the southern Alabama city of Daphne.

Choosing home health care adds roughly $100 per month to the price of basic home care. Assisted living, which may be an ideal option for seniors who like the idea of aging alongside friends, is roughly $200 cheaper than home care. Nursing home-level care is for seniors who need close medical supervision; accordingly, it’s the most expensive senior care option in Alabama at $6,768 monthly. Conversely, adult day health care averages $867 a month, which is an exceptionally low price nationally. 

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.