The 10 Best Home Care Agencies for Seniors in Apache Junction, AZ for 2025

Home care agencies charge $5,958 per month for in-home care, which is $1,001 higher than the national average and $619 more than the state average. In comparison with other cities across the state, home care costs in Apache Junction fall in the middle. While monthly in-home care costs in Flagstaff are 12% higher, costs in Tucson are lower at $5,434. Furthermore, monthly costs are 30.3% less expensive in Sierra Vista and approximately 28% lower in Yuma. 

Seniors who prefer to stay in their homes for as long as possible may benefit from home care services, which average $5,958 per month and include help with daily living activities, meal preparation, housekeeping and laundry. While home health care also averages $5,958 per month, these services include medical treatment, such as wound care, vital signs monitoring and therapies. Seniors not requiring these extra home services may benefit from adult day care, which averages less at $2,167 per month. Those who prefer carefree living with supportive services available around the clock may benefit from assisted living, which also costs less than in-home care at $3,975. Seniors requiring 24/7 skilled nursing care can expect to pay more at an average of $6,418 for nursing home services.

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.