The 10 Best Home Care Agencies for Seniors in Montgomery, AL for 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 Montgomery, AL, residents and their loved ones rate In Home Care agencies 4.7 out of 5 stars across the 19 options below.

The Genworth 2021 Cost of Care Survey shows that home care agencies in Montgomery charge $3,667 per month for care, which is about $150 below the state rate and roughly $1,300 lower than the national norm. Local care costs are nearly $600 cheaper than care costs in Birmingham and about $200 less than rates in Tuscaloosa. Seniors in Auburn pay about $100 less for home care than Montgomery residents, and in Anniston, rates are about $700 below the Montgomery average.

Home care agencies in Montgomery charge $3,667 per month for home care, which includes nonmedical companion and personal care services. Home health care has the same monthly rate despite including skilled nursing services, but adult day health care costs over $3,000 less. Seniors may save over $1,000 per month by opting for assisted living, which has a similar scope of services in a residential community setting. Nursing home care, which is for those who need 24-hour medical care and monitoring, costs nearly $3,000 more than in-home care. 

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.