Of the more than 5.8 million people who call Colorado home, 14.6% are seniors aged 65 or older. That’s nearly 850,000 older adults drawn to the state’s majestic mountains and abundant recreational opportunities. Colorado also boasts more than 100 hospitals, including many top-ranked facilities like the nationally ranked UCHealth University of Colorado Hospital in Aurora.

Colorado taxpayers aged 55 and older get a generous state tax exclusion on their retirement income, which gets even better at age 65. Colorado property taxes are among the lowest in the nation. Seniors may qualify for property tax exemptions of up to 50%, which is excellent for those who own their homes and want to age in place. As they get older, in-home assistance helps them remain independent. Colorado seniors have two in-home care options. Home care helps with household chores and personal care, and home health care offers medical assistance. Both types of care averaged $6,387 per month in Colorado in 2021.

This guide provides an overview of in-home care in Colorado, including average costs and how Medicaid helps cover the expense. It also offers local and statewide resources that provide free or low-cost programs to help seniors remain in their homes and communities.

The Cost of In-Home Care in Colorado

Unfortunately, the average cost of in-home care in Colorado is relatively high compared to the national average and surrounding states. According to the 2021 Genworth Cost of Care Survey, its cost of $6,387 was over $1,400 more than the national average of $4,957. Compared to adjacent states, New Mexico has the lowest price at $4,605, followed by Nebraska at $5,148 and Arizona at $5,338. Wyoming and Utah have the highest rates at $5,529 and $5,625, respectively, which is still less than Colorado’s. 

$6387

Colorado

$4957

The United States

$4605

New Mexico

$5148

Nebraska

$5339

Arizona

$5529

Wyoming

$5625

Utah

Cities in Colorado have a wide range of average in-home care costs, with a $1,500 difference per month between the lowest and highest. Pueblo has the lowest rate at $5,268, and Boulder and Denver have the highest at $6,769, which is even higher than the state average. In the middle, average costs include Grand Junction at $5,434, Greeley at $5,625, Colorado Springs at $5,768 and Fort Collins at $6,101. 

$5268

Pueblo

$5434

Grand Junction

$5625

Greeley

$5768

Colorado Springs

$6101

Fort Collins

$6769

Boulder

$6769

Denver

Nursing home rates ran $8,567 in 2021 compared to $6,387 for home and home health care. Assisted living facilities had a lower average cost of $4,750, but in-home care has the bonus of remaining in familiar surroundings. Adult day health care has the lowest price at an average of $1,950, but it offers limited services in a community setting. 

$6387

In-Home Care

$6387

Home Health Care

$1950

Adult Day Health Care

$4750

Assisted Living

$8567

Nursing Home Care

Does Medicaid Cover Home Care in Colorado?

Colorado’s Medicaid program is called Health First Colorado. Although it doesn’t directly cover home care, the state has a waiver program that does. Applicants must meet the financial, program targeting and medical criteria of Health First Colorado to access the services available under a waiver.

Home Care Waiver Programs in Colorado

Elderly, Blind and Disabled Waiver

The Home and Community-Based Services Waiver for Elderly, Blind and Disabled (HCBS-EBD) persons provides an alternative to nursing home care and allows recipients to remain in their homes. Through this waiver, recipients receive long-term supports and services not available through the Health First Colorado State Plan. 

Applicants must be age 65 or older with a functional impairment, blind or aged 18 to 64 with a physical disability or HIV or AIDS diagnosis to qualify for the HCBS-EBD. They must meet financial and program criteria and be willing to receive services in their home or community. Waiver enrollees receive regular Health First Colorado benefits, as well as services specific to the HCBS-EBD waiver: 

  • Adult day services
  • Alternative care facilities
  • Consumer-directed attendant support services
  • Electronic monitoring
  • Home-delivered meals
  • Home modifications
  • Homemaker services
  • In-home support services
  • Life skills training
  • Non-medical transportation
  • Personal care
  • Respite care 

Applicants not enrolled in Health First Colorado must apply for Medicaid first. Those already enrolled should contact their local Single Entry Point (SEP) to start the waiver application process. Applicants with questions about the waiver program should contact their SEP agency or the Member Contact Center.

How to Know If You’re Eligible for Medicaid in Colorado

Applicants must meet income and resource requirements to be eligible for Medicaid in Colorado. Income must be less than 300% or three times the monthly Supplemental Security Income (SSI) allowance. In 2022, the maximum monthly amount was $841 per month for individuals, which comes to $10,092 annually, and $1,261 per month for couples, which is equivalent to $15,137 annually. Resources must be less than $2,000 for singles and $3,000 for couples. 

2022 Medicaid Income Limits for Seniors in Colorado 

Income Limits*
Asset Limits

Single Person

$10,092

$2,000

Two-Person Household

$15,137

$3,000

*Per year

Applicants must be at risk of placement in a nursing facility, an intermediate care facility or a hospital. Other requirements include being: 

  • Aged 65 or older, blind or disabled
  • A Colorado resident
  • A U.S. citizen, U.S. national or eligible immigration status 

How to Apply for Medicaid in Colorado

Seniors can apply for Health First Colorado at any time. There aren’t any set enrollment periods like other types of medical coverage. They can apply: 

Seniors applying for Aged, Blind, Disabled & Long-Term Care must also fill out Worksheet B on the Health First Colorado application.

What Information You Will Need

Along with the completed application, seniors must include a long list of information and documentation during the application process. These items include: 

  • Names and birthdates of all applicants
  • Social Security numbers for citizens
  • Immigration document numbers for non-citizens
  • Employer and income information, including pay stubs or W2s
  • Documentation of additional income, such as Social Security benefits, SSI, public cash assistance, railroad retirement, rental income, retirement, pension and veterans benefits
  • Current health insurance and Medicare information, including policy numbers, of all household members
  • List of life insurance and burial policies
  • List of expenses, such as medical expenses, dependent elder care, health insurance, mortgages, prescriptions, rent and utilities
  • List of resources, including cash, checking and savings account, CDs, annuities, inheritance, property, proceeds from a home sale, stocks, bonds and trusts
  • List of property and vehicles owned
  • List of anything of value given away within the last 5 years 

How to Get Help Applying for Medicaid 

Government and nonprofit organizations offer help completing the Health First Colorado and waiver applications to ensure seniors receive the services and supports they need. Statewide assistance is available in person, over the phone and online.

Contact
Area Served
Services Provided

(303) 866-5700

Statewide

The CDHS connects people with resources, assistance and support to live independently in Colorado. Staff members help seniors apply for Health First Colorado benefits and answer questions about their Medicaid and waiver benefits. They may also address questions and concerns with any health care bills they may have received. Seniors may get help in person or over the phone.

(844) 265-2372

Statewide

ADRC is a trusted source of information on all types of long-term supports and services available to aging adults throughout the state. The organization has 16 regional offices to assist seniors in planning their future long-term care needs and provide options counseling. Staff also coordinate access to information and assistance and help seniors make informed decisions through personalized, consumer-friendly help.

(800) 221-3943

Statewide

HCPF strives to improve seniors' health care access and outcomes while saving them money. To help with Medicaid and other programs, it provides a searchable database to find a Certified Application Assistance Site (CAAS) and get assistance with Colorado PEAK, the online Medicaid application site. HCPF's website also offers a comprehensive list of FAQs about Medicaid.

Does Medicare Cover In-Home Care in Colorado?

In general, Medicare does not cover the cost of non-medical home care. That being said, there are situations in which Medicare provides some coverage for medical home care, referred to as “Home Healthcare.” There are several eligibility restrictions for coverage, including that individuals must be homebound and have a referral from their doctor specifically for home healthcare services.

Below is an overview of some of the skilled medical professionals whose in-home services are typically covered by Medicare – for more in-depth information, refer to our Guide to Home Healthcare.

  • Physical Therapists: Physical therapy is used to help patients recover from injuries (broken bones, knee injuries, etc.), treat ongoing conditions such as arthritis, and assist in recovery from surgeries and procedures such as a knee or hip replacement.
  • Visiting Nurses: Licensed nurses can provide a number of medical services for those who don’t need to stay in the hospital, but do need regular medical services such as wound care, changing feeding tubes, etc.
  • Occupational Therapists: Occupational therapists help seniors regain or maintain the ability to accomplish normal, daily tasks, such as bathing, dressing, eating, and other daily activities.
  • Speech Therapists: Speech therapists help seniors who are struggling to adequately communicate due to a stroke, dementia, or any other cause regain the ability to functionally communicate using a variety of means. Additionally, speech therapists help to keep seniors independent by modifying diets, teaching special techniques to swallow safely, and retraining associated muscles.

As mentioned above, in-home care is distinctly different from home healthcare. But, there can be some overlap in services between the two types of care. So, while Medicare doesn’t cover non-medical in-home care, there are in-home care services that may be covered in special circumstances when they’re provided in conjunction with home healthcare (such as an occupational therapist helping with eating or dressing)

Other Financial Assistance Options for In-Home Care in Colorado

While the above programs help many people finance in-home care, they will not cover all costs for everyone. There are other ways to pay for in-home care, including out-of-pocket arrangements with siblings, annuities, reverse mortgages, private insurance and more. Read Caring.com’s Guide to In-Home Care Costs to learn more about these alternative payment options.

Free and Low-Cost Resources for Seniors in Colorado

Numerous government programs and nonprofit organizations strive to support the quality of life and ongoing independence of Colorado’s seniors. Programs and services help ensure they have access to nutritious foods, stay safe in their homes and stretch their retirement dollars to the fullest.

Contact
Area Served
Services Provided

(855) 855-4626

Statewide

Hunger Free Colorado connects seniors to food resources to ensure they never go hungry. Seniors call the bilingual statewide Hunger Free Hotline for information on public benefits, food and nutrition programs and community resources. The hotline provides lists of community-run sites serving hot meals or providing food boxes for free and organizations that deliver meals to older adults and disabled individuals. It also provides information on the Commodity Supplemental Food Program for Seniors, distributed to low-income persons aged 60 or older.

(303) 482-7670

Statewide

The DOLA Home Modification Tax Credit helps individuals retrofit their homes through state income tax credits of up to $5,000. The program helps Colorado residents with impairments, illnesses or disabilities make home modifications to allow better accessibility and independence. Applicants must be state taxpayers with adjusted incomes at or below current income limits. They must currently occupy the home, and modifications must be necessary to ensure their safety, health and welfare.

(866) 432-8435

Statewide

Colorado Leap is a federally funded program that pays a portion of winter home heating costs for eligible seniors and families. It also assists with repairing broken heating equipment and replacing inoperable equipment. The program received extra funds for the Low-Income Household Water Assistance Program (LIHWAP) to help reconnect disconnected water or wastewater services or help prevent disconnection. Funds are limited and provided on a first-come, first-serve basis.

Varies by County

Statewide

Colorado offers a property tax exemption to qualifying seniors. They must be aged 65 or older, be the property owner of record for the last 10 consecutive years and have occupied the property for the past 10 consecutive years. Seniors who qualify receive an exemption of 50% on the first $200,000 of the actual value of their home. They must submit an exemption form with their local county assessor's office.

Colorado Energy Office (CEO) Weatherization Assistance Program (WAP)

(720) 384-4220

Statewide

The CEO Weatherization Assistance Program partners with local weatherization agencies throughout the state to provide free weatherization services to Colorado residents. Weatherization agencies schedule free home energy audits for approved homeowners or renters to identify the most appropriate, cost-effective improvements for their homes. Qualified technicians install the improvements, and homeowners or renters save money on their utility bills by conserving energy. Seniors aged 60 or older and households with disabled individuals or children may receive preference for this program.

(303) 722-0300

Statewide

Disability Law Colorado administers the Legal Assistance Developer Program for the Elderly through a contract with the CDHS, Division of Aging and Adult Services. It coordinates services statewide by operating with the 16 regional Area Agencies on Aging to offer free civil legal services to seniors aged 60 or older. The program helps prevent foreclosures, home repair scams, financial exploitation, creditor-initiated bank garnishments for unpaid medical bills and Medicaid denials and terminations. It also helps prepare wills, guardianships, conservatorships, advanced directives and deeds.

COVID-19 Rules for In-Home Care Providers in Colorado

Unless they qualify for a medical or religious exemption, all home care workers must be vaccinated against COVID-19 per the vaccination mandate issued by the Centers for Medicare and Medicaid Services (CMS). The mandate includes in-home care and home health care professionals working for home health agencies that participate in Medicare or Medicaid programs. This rule is current as of April 2022, but the state or federal government could implement new requirements. Check with local Area Agencies on Aging for current regulations. Home health agencies may also have their own COVID-19-related rules. Clients should contact them directly with any questions or concerns.

In-Home Care Laws and Regulations in Colorado

In Colorado, home care agencies are regulated and licensed by the Department of Health Care Policy and Financing (HCPF). Home care providers that offer nonmedical personal care services are licensed as Class B agencies. The HCPF also investigates consumer complaints and conducts initial and periodic inspections of all licensed HCAs to ensure compliance with state regulations. This table outlines the regulations that home care agencies in Colorado must abide by.

In-Home Care Laws and Regulations in Colorado
Scope of Care
Colorado HCAs with a Class B license may provide various nonmedical personal care services to clients so they can safely and comfortably remain in their homes. These services may include providing help with activities of daily living, such as bathing, dressing, toileting, continence care, transferring, ambulation and eating. Personal care workers employed by HCAs may also perform housekeeping, laundry and meal preparation tasks, provide companionship and assist clients in completing activities outside the home, such as shopping and attending appointments.
Care Plan Requirements
Home care agencies must evaluate new clients within 48 hours of an initial service visit and develop a care plan to meet their needs. This personalized plan should detail the care services to be provided and tasks to be completed by the agency's PCWs. It must also specify when visits will occur and their length. Each client's care plan must be reevaluated and updated annually and whenever any change occurs in the individual's needs or condition.
Medication Management Requirements
PCWs employed by HCAs may not manage or administer medications to clients. A PCW may provide clients with medication reminders if this service is included in the individual's care plan.
Staff Screening Requirements
HCAs must have criminal background checks conducted on individuals seeking employment as PCWs who will have direct contact with clients.
Staff Training Requirements
PCWs hired to provide direct care to clients must receive initial training on the agency's policies and the services it provides. Staff must also receive ongoing training on 12 relevant topics every 12 months.
Medicaid Coverage
Health First Colorado covers the cost of in-home care and supportive services through the In-Home Support Servicesprogram, which is offered under the Waiver for the Elderly, Blind and Disabled.
Reporting Abuse
Concerned parties may report abuse, mistreatment or neglect of a senior to Colorado Adult Protective Services by calling the agency's intake number in the county where the at-risk individual resides.

Frequently Asked Questions

Does Colorado Medicaid Pay for In-Home Care?

Health First Colorado, the state Medicaid plan, currently covers in-home care through the In-Home Support Servicesprogram, which is an option under the Waiver for the Elderly, Blind and Disabled. Enrollment in the waiver is capped, so applicants may have to wait to receive coverage, depending on availability.

Are There Programs to Cover Home Modifications in Colorado?

Assistance for improving safety and accessibility is available for Medicaid-eligible seniors through the home modification benefit, included under Health First Colorado’s Waiver for the Elderly, Blind and Disabled. Help is also offered through the Colorado Housing Connects program, which is available in 29 counties and through the Caregiver Support program, in some instances.

How Much Does In-Home Care Cost in Colorado?

Home care averages $4,957 per month in Colorado, according to the Genworth Cost of Care Survey 2019. This is identical to the monthly average for home health care services in the state and significantly more than the $4,290 national median rate for in-home care.

What Are Activities of Daily Living?

Activities of daily living (ADLs) are the routine self-care related actions that individuals normally complete on a daily basis. The six ADLs are bathing, elimination, grooming, dressing, eating and mobility. ADLs are not the same as instrumental activities of daily living, which require more complex actions.

Does Medicare Pay for In-Home Care?

Medicare pays for in-home care services in certain situations. It covers intermittent nursing and home health aide services and a certain number of occupational or physical therapy sessions. To qualify, beneficiaries must be under a doctor’s care and recovering from an illness, injury, surgery or in-patient hospital stay.

How to Find an In-Home Care Provider in Colorado

Whether you are looking for yourself or a loved one, finding a quality home care provider can be a stressful process. When you hire an in-home care aide you’re placing a lot of trust in the hands of the person by inviting them into your home, so you’ll want to be diligent in your search. At Caring.com, we’re here to help – we’ve created a helpful checklist below that can help guide you through the process of both determining your needs and finding a home care agency that will provide the best care possible.

Finding a Home Care Provider Checklist

Find Home Care Agencies Near You

To find quality home care providers near you, simply input the zip code or city where you would like to start your search. We have an extensive directory of home care agencies all across the nation that includes in-depth information about each provider and hundreds of thousands of reviews from seniors and their loved ones.

2018, 2019, 2021, 2022

Home Instead – Denver North

4704 Harlan St, Suite 100, Wheat Ridge, CO, 80212

Home Instead was a valuable resource for us in keeping our mom in her home for the past two years. The caregivers were wonderful and the staff was always helpful. They were easy to work with and we co … (read more)
Home Instead was a valuable resource for us in keeping our mom in her home for the past two years. The caregivers were wonderful and the staff was always helpful. They were easy to work with and we co … (read more)

2017, 2018, 2022

Home Instead – Denver South, CO

2095 S Pontiac Way, Denver, CO, 80224

We cannot say enough about the quality and compassion this service provided. We are especially grateful for caregivers Dante, Maria, Blanca, Lucy, Mary, Patty, Barb, Julie and our care coordinator Jul … (read more)
We cannot say enough about the quality and compassion this service provided. We are especially grateful for caregivers Dante, Maria, Blanca, Lucy, Mary, Patty, Barb, Julie and our care coordinator Jul … (read more)

2018, 2019, 2022

Home Instead – Loisville, CO

588 N Hwy 287, Suite 200, Louisville, CO, 80027

Stuart has been a big help with my father with showering and all. Kelly is always great with the follow-up.
Stuart has been a big help with my father with showering and all. Kelly is always great with the follow-up.

2020, 2021, 2022

Always Best Care of Denver West

860 Tabor St., #101, Golden, CO, 80401

I didn’t think they could do better than I could on my own. They found a much better, more beautiful place at a much better price for my mom. HUGE THANKS TO NANCY FOR HER HELP !!!!
I didn’t think they could do better than I could on my own. They found a much better, more beautiful place at a much better price for my mom. HUGE THANKS TO NANCY FOR HER HELP !!!!

2022

Right At Home Boulder

4810 Riverbend Rd, Boulder, CO, 80301

Right at Home provides in-home caregiving services for thousands of families across the nation. We offer companionship and help with everyday tasks that have become challenging for an aging person. Th … (read more)
Right at Home provides in-home caregiving services for thousands of families across the nation. We offer companionship and help with everyday tasks that have become challenging for an aging person. Th … (read more)

Amber Personal Care LLC

4800 East Happy Canyon Road, Suite 130 , Denver, CO, 80237

Amber is created to be a company that can attract talented and compassionate caregivers and staff. That is how the company has been able to provide the highest quality of services to its clients. Ambe … (read more)
Amber is created to be a company that can attract talented and compassionate caregivers and staff. That is how the company has been able to provide the highest quality of services to its clients. Ambe … (read more)

Apollo Home Care Services

11059 E Bethany Dr Suite 299, Aurora, CO, 80014

Apollo Home Care Services specializes in providing non-medical, personal care services and homemaking in the comfort of your own home.
Apollo Home Care Services specializes in providing non-medical, personal care services and homemaking in the comfort of your own home.

Right at Home Denver

6855 S. Havana Street, Suite 620, Centennial, CO, 80112

Marco is Carol’s helper and he does a really good job. He deserves an A+ rating, 5 stars.
Marco is Carol’s helper and he does a really good job. He deserves an A+ rating, 5 stars.

Rocky Mountain Elder Care Connections

21151 E Belleview Place , Centennial, CO, 80015

Rocky Mountain Elder Care Connections is one of the fastest growing companies and prides itself as the best locally owned home-grown business in Colorado. We offer a wide range of in-home care service … (read more)
Rocky Mountain Elder Care Connections is one of the fastest growing companies and prides itself as the best locally owned home-grown business in Colorado. We offer a wide range of in-home care service … (read more)

Friends For Life, Inc.

5912 S Cody Street, Ste 310, Littleton, CO, 80123

Friends for Life, Inc. is a locally owned agency that has been serving seniors in the Denver Metro Area since 1997.  <p></p> Our focus is on the emotional, mental, and physical wellbeing of the cl … (read more)
Friends for Life, Inc. is a locally owned agency that has been serving seniors in the Denver Metro Area since 1997.  <p></p> Our focus is on the emotional, mental, and physical wellbeing of the cl … (read more)

Always Best Care of Broomfield

12303 Airport Way, Suite #200, Broomfield, CO, 80021


A Better Solution in Home Care of South Denver

4636 S. Yates St, Denver, CO, 80236

<li>Personal Care</li> <li>Assistance with activities of daily living such as grooming, bathing, feeding, mobility, incontinence care, medication reminders and transfers.</li> <li>Companion Care</li … (read more)
<li>Personal Care</li> <li>Assistance with activities of daily living such as grooming, bathing, feeding, mobility, incontinence care, medication reminders and transfers.</li> <li>Companion Care</li … (read more)

Home Instead – Littleton, CO

5104 S Field St, Littleton, CO, 80123


Homewell Care Services – Denver, CO

8471 Turnpike Drive, Suite 100, Westminster, CO, 80031

At HomeWell, we specialize in more than just the practical needs of daily life—like picking up medication, feeding the dog or cooking meals. Our reliable in-home caregivers also provide a far more f … (read more)
At HomeWell, we specialize in more than just the practical needs of daily life—like picking up medication, feeding the dog or cooking meals. Our reliable in-home caregivers also provide a far more f … (read more)

ACASA Senior Care – Denver Metro

999 18th Street, Suite 3000 , Denver, CO, 80202

ACASA Senior Care is a family-owned business. Our mission is to provide premium- quality personal assistance and care at home. Were raising the bar… Your loved ones are part of our family.
ACASA Senior Care is a family-owned business. Our mission is to provide premium- quality personal assistance and care at home. Were raising the bar… Your loved ones are part of our family.

All the Comfort of Home, Inc.

9249 S. Broadway #200-278, Littleton, CO, 80129

The agency has been on top of things. It depends on who comes to my home.
The agency has been on top of things. It depends on who comes to my home.

BrightStar Care Boulder / Broomfield

2095 W. 6th Ave, Suite 203, Broomfield, CO, 80020

They paid attention to the client. They are friendly.
They paid attention to the client. They are friendly.

MGA Homecare – Denver

4100 E Mississippi Ave, Denver, CO, 80246

I haven’t had a nurse for several months now. They need more consistency and better options for nursing care.
I haven’t had a nurse for several months now. They need more consistency and better options for nursing care.

BrightStar Care Central Denver / Castle Rock

14334 East Evans Avenue, Aurora, CO, 80014

It was helpful to me because I found it difficult to help him every day and it gave me a break. The caregiver was always there on time and did what she was told.
It was helpful to me because I found it difficult to help him every day and it gave me a break. The caregiver was always there on time and did what she was told.

2018, 2019, 2020, 2021, 2022

Home Care Assistance of Jefferson County

12792 W. Alameda Pkwy, Lakewood, CO, 80228

They’ve sent me good caregivers and they follow up. They walk their talk. They do what they say they will do.
They’ve sent me good caregivers and they follow up. They walk their talk. They do what they say they will do.

Home Care Services in Colorado (120)