The Best Home Care Agencies for Seniors in Aurora, CO for 2025

Due to Aurora’s proximity to Denver, the 2021 Genworth Cost of Care Survey blends their home care costs, which results in a median fee of $6,769. Home care in Aurora is more expensive than the statewide average of $6,387 and the nationwide average of $4,957. It’s the costliest median fee in Colorado, equaled only by Boulder. Seniors looking for less costly fees may wish to consider Fort Collins, where the median is $6,101 or Colorado Springs, where it’s $5,768. Pueblo, where the median is $5,268, is Colorado’s most affordable city for home care.

Aurora’s monthly home care average of $6,769 is the costliest option for seniors requiring personal care services without medical assistance. Adult day care’s fee of $2,275 and assisted living’s average of $5,500 are cheaper, but the former isn’t suitable for homebound seniors, and the latter requires moving to a facility. Home health care’s $6,864 median is costlier than home care, but it’s a medical service provided by registered therapists and nurses. The most expensive option is nursing home care at $8,669.

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.