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The 10 Best Home Care Agencies for Seniors in Gardendale, AL for 2024

Gardendale, a northern suburb of Birmingham, Alabama, is home to 16,444 people. Seniors comprise 16.1% of that number, a figure that’s slightly lower than the national senior population of 16.8%. Older adults who live in Birmingham are close to the medical professionals of the University of Alabama at Birmingham Hospital, who are nationally renowned for their work in cardiology care, geriatrics and diabetes. The average monthly price of home care in Gardendale is $4,242, according to reporting in the 2021 Genworth Financial Cost of Care Survey. Home health care is slightly more expensive and differs from home care in that licensed nurses and doctors perform the former.

Below we’ve compiled a comprehensive directory of every home care provider in the Gardendale 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 Gardendale, AL

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Paying for Home Care in Gardendale, AL

The Cost of Home Care in Gardendale, AL

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.

Gardendale

$4,242

Alabama

$3,813

United States

$4,957

Mobile

$3,813

Anniston

$2,955

Daphne

$4,815

Montgomery

$3,667

The Cost of Home Care vs. Other Senior Care Options in Gardendale, AL

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. 

Home Care

$4,242

Home Health Care

$4,338

Adult Day Health

$867

Assisted Living

$4,028

Nursing Home Care (semi-private room)

$6,768

Note: Data for Gardendale was unavailable, so data for the nearest city, Birmingham, was used instead.

Financial Assistance for Home Care in Gardendale, AL

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 Gardendale, AL

The programs and organizations in the following chart provide financial assistance, legal advice, options counseling and other benefits for older adults in Gardendale. 

ResourceContactService
Alabama Weatherization Assistance Program(334) 242-5100This federally funded program is run by the state government's Department of Economic and Community Affairs. It helps elderly Alabama residents increase insulation, seal drafty windows and doorways, upgrade their HVAC systems and otherwise modify their homes for better energy efficiency. In addition, this weatherization process also reduces heating bills.
Jefferson County Meals on Wheels(205) 592-0413Jefferson County residents who are at least 60 years of age and generally unable to leave their homes are eligible to participate in this meal delivery program. Meals are delivered directly to doorsteps at noon on weekdays.
United Way Area Agency on Aging of Jefferson County(800) 243-5463This central point for senior services can connect older adults with pro bono legal assistance, help them find respite care, educate them on Medicare and Medicaid topics and find them low-cost prescription medication programs. It also runs an ombudsman program that can help inform seniors regarding home care and its alternatives.
Senior Property Tax Exemption(205) 325-5500Alabama residents 65 years of age and older don't need to pay state property tax on their primary residence but must still officially apply for that homestead exemption. To qualify, the applicant must have been living in the residence at the beginning of the tax year.

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 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.

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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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