The 10 Best Home Care Agencies for Seniors in North Little Rock, AR 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 North Little Rock, AR, residents and their loved ones rate In Home Care agencies 5.0 out of 5 stars across the 15 options below.

The Genworth 2021 Cost of Care Survey reports that in North Little Rock, home care agencies charge $4,290 per month. While this is about $100 over the norm for Arkansas, it’s competitive compared to the national rate of $4,957. Care costs in Fayetteville are about $670 higher than in North Little Rock, but surveyed costs in other cities trend lower. In Fort Smith, seniors pay $4,176 for care, and in Pine Bluff and Jonesboro, respective care costs come in at $4,004 and $3,909.

Home care clients in North Little Rock pay $4,290 per month for services. This is equal to the cost of home health care, though some agencies may charge more for specialized services, and it's economical compared to residential options. Assisted living residents pay about $200 more monthly for care, and nursing home rates start at $6,083 for semiprivate accommodations. Seniors who want to live at home and pay less for care may be good candidates for adult day health care, which costs $1,907 per month. 

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.