The Best Home Care Agencies for Seniors in Rogers, AR for 2025

Rogers shares its home care costs with neighboring Fayetteville, which is $4,957 per month, according to Genworth’s Cost of Care Survey 2021. Although significantly above the Arkansas average of $4,185, the city’s cost is equal to the national median. Rogers is the most expensive city in the state with the most affordable being the eastern city of Jonesboro where seniors pay about $1,050 less per month than residents of Rogers. Rates in central Arkansas are much less expensive than Rogers, with Little Rock averaging about $667 less and Pine Bluff averaging about $950 less per month.

Unlike retirees in other parts of the United States, seniors in Rogers pay the same for both home health and in-home care. Although the two are similar, home health care agencies offer additional services carried out by therapists or registered nurses, such as wound care, diabetes management and occupational therapy. While those options are similar in cost, assisted living is about $1,300 less expensive per month. Seniors requiring the highest level of care can expect to spend the most with nursing homes, charging $6,083 per month on average.

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.