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

Last Updated: June 5, 2024 - Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Mobile, AL, residents and their loved ones rate In Home Care agencies 4.9 out of 5 stars across the 27 options below.

Home Care Services in Mobile, Alabama

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Paying for Home Care in Mobile, AL

The Cost of Home Care in Mobile, AL

Although Mobile’s average monthly price of $3,813 is over a thousand dollars cheaper than the national average, it’s also identical to Alabama’s average. The state’s highest reported price, $4,814 in Daphne, is still comfortably below the national average. The state’s largest city, Huntsville, is slightly more expensive than Mobile at $4,004 a month. Meanwhile, Auburn is somewhat cheaper than Mobile at $3,527 a month, and seniors in Anniston see prices below $3,000. 

Mobile

$3,813

Alabama

$3,813

The United States

$4,957

Huntsville

$4,004

Anniston

$2,955

Daphne

$4,814

Auburn

$3,527

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

Other senior care options in Mobile are also less expensive than elsewhere in the nation. Assisted living care, which may be more suited for outgoing seniors than home care, costs an average of $3,523 a month. Nursing home care is nearly twice as expensive as assisted living care, but also involves more direct support from medical professionals. Adult day health care is considerably less costly than the other options and can be a good fit for filling coverage gaps in a primary caretaker’s schedule. However, it’s not usually ideal for seniors who have difficulty getting around on their own. 

Home Care

$3,813

Home Health Care

$3,813

Adult Day Health Care

$1,083

Assisted Living

$3,523

Nursing Home Care (semiprivate room)

$6,692

Financial Assistance for Home Care in Mobile, 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 Mobile, AL

Multiple nonprofit organizations, community initiatives and government agencies provide services for Mobile’s seniors. Some of these programs have income limitations, but all are available to eligible applicants at little or no cost. 

ResourceContactService
South Alabama Regional Planning (SARPC) Commission(251) 706-4680The SARPC is the Area Agency on Aging for Mobile and provides extensive resources for area seniors, including options counseling that can help them determine what kind of care best suits their medical situations. Agency representatives also help seniors find low-cost prescription medication and apply for public benefits.
Alabama Senior Property Tax Exemption(251) 344-4737Alabama lets all residents 65 years of age and older waive state-level property taxes on a homestead that's less than 160 acres. County-level property taxes may also be waived for seniors under certain income levels. The applying senior must own the property and use it as their primary residence.
Mobile Community Action(251) 457-5700Mobile homeowners can apply for the U.S. Department of Energy's weatherization assistance through this community nonprofit. This program works by providing funding for home upgrades, such as replacing faulty HVAC systems and drafty doors and windows. While the upgrades are free for qualifying residents, yearly funding is limited.
Dumas Wesley Community Center (DWCC)(251) 479-0649Homebound Mobile adults aged 60 and up are eligible to participate in the DWCC's meal delivery program, which runs five days a week and doubles as a wellness check program. Seniors who can leave their homes can also take advantage of the DWCC's free local transportation services.
Goodwill Gulf Coast(251) 300-6094This Goodwill branch runs a medical donation and supply circle across its six Goodwill locations in and around Mobile. Its equipment, which includes mobility devices, such as walkers, wheelchairs and canes as well as bathroom safety items such as shower chairs, is available for no cost.

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

Frequently Asked Questions

Reviews of Communities Nearby

Home Care

Linda

I am a current client of this provider

Review of Southern Cross Home Care

I started using Southern Cross Home Care about a year ago. The woman I have is superb. She's fantastic, but they have trouble finding good substitutes. I've had four caregivers. They do cooking...

Read more

Home Care

David M_83

I am a past client of this provider

Review of Right at Home Mobile, AL

The agency could have made my life easier in having better people. I would like the agency to improve on the quality of the people they hire.

Read more

Home Care

William D_26

I am a current client of this provider

Review of Right at Home Mobile, AL

The caregivers come and help me with things like keeping the house clean and tidy. The services are good, and I would recommend it to anyone.

Read more

In Home Care near Mobile, AL

Spanish FortSaralandDaphneSatsumaTheodoreFair Hope

Other Options in Mobile, AL

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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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