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The 10 Best Home Care Agencies for Seniors in Castle Rock, CO for 2024

Last Updated: June 5, 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 Castle Rock, CO, residents and their loved ones rate In Home Care agencies 4.61 out of 5 stars across the 38 options below.

Home Care Agencies in Castle Rock, CO

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Paying for Home Care in Castle Rock, CO

The Cost of Home Care in Castle Rock, CO

According to the Genworth 2021 Cost of Care Survey, the average monthly price of in-home care in Castle Rock is $6,769. This is 5.9% higher than the Colorado average and 36.5% higher than the national average. Castle Rock’s prices are also high compared to nearby cities. At $5,268 per month, Pueblo is one of the more affordable cities for in-home care. Castle Rock’s costs are 20.3% higher than Greeley’s and 17.3% higher than those in Colorado Springs. Prices in Fort Collins are closer to Castle Rock's, averaging $6,101 monthly.

Castle Rock

$6,769

Colorado

$6,387

United States

$4,957

Fort Collins

$6,101

Colorado Springs

$5,768

Pueblo

$5,268

Greely

$5,625

The Cost of Home Care vs. Other Senior Care Options in Castle Rock, CO

Home care is just one choice available to seniors looking for assistance as they age. Adult day health care is the most affordable at $2,275 and is available during business hours. Seniors who prefer personal care services in a residential setting can expect to pay less than home care, at $5,500 for assisted living. As home health care provides medical services by licensed professionals, its cost of $6,864 is slightly higher than the cost of home care. The high level of care provided in nursing homes means it has the highest cost at $8,669.

Home Care

$6,769

Home Health Care

$6,864

Adult Day Health Care

$2,275

Assisted Living Facility

$5,500

Nursing Home Facility (semiprivate room)

$8,669

Note: Data for Castle Rock was not available, so data for the nearest city, Denver, was used instead.

Financial Assistance for Home Care in Castle Rock, CO

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.

 

Castle Rock Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Castle Rock:

ResourceContactAddressService
Aging Resources of Douglas County(303) 814-4300104 Fourth Street, Castle Rock, CO 80104Aging Resources of Douglas County serves as a one-stop shop for concerns and issues of elderly residents of Castle Rock and Douglas County. This nonprofit organization offers services, information and resources for elders to assist them with living as independently as possible. ARDC works with community partners and volunteers to provide elder support and help seniors reduce their cost of living. Specific services include the Neighbor Network program, which provides transportation to those over 60 for errands. Another offering is the Aging & Outreach service, which organizes seminars, classes and events for elders.
Castle Rock Senior Activity Center(303) 688-94982323 Woodlands Boulevard, Castle Rock, CO 80104The Castle Rock Senior Activity Center offers a plethora of programs and activities for seniors in Castle Rock. Its services include health and financial advisory for elders, a regular hot lunch program, training and classes in useful or hobby skills and scheduled transportation assistance. The Senior Activity Center’s hot lunch program is also complemented by a Meals on Wheels service for elderly individuals who can’t leave home easily. Health consultations include massage services, a hearing clinic, balance classes, flu shots and pulmonary screenings. Numerous social and other events are held by the Senior Activity Center all year long, with an average of 150 activities per month for older adults to choose from.
Douglas County Old Age Pension Program(303) 688-48254400 Castleton Court, Castle Rock, CO 80109The Human Services department of Douglas County manages an Old Age Pension program for seniors who are United States citizens or legal U.S residents and also residents of Douglas County. The program offers a monthly benefit of up to $809, which may be reduced on assessment of other benefits such as SSI or Veteran’s Assistance. To be eligible, elderly adults residing in Douglas County and Castle Rock must be 60 years or older and meet income and resource limits. Applications may be picked up at the Human Services office of Douglas County or online.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for in-home care
Checklist for determining the need for in-home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

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Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs

Frequently Asked Questions

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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