The 10 Best Home Care Agencies for Seniors in Cos Cob, CT for 2024
The neighborhood of Cos Cob is a part of the city of Greenwich, located on Connecticut’s southern shore. According to data from the U.S. Census Bureau, Cos Cob’s population of 6,873 includes roughly 1,093 seniors, or about 16% of the total population, which is just under the national average. The city’s served by Greenwich Hospital, which is ranked as high-performing in heart failure, stroke and COPD care.. According to the 2021 Genworth Financial Cost of Care Survey, the average monthly cost of activities of daily living-focused home care in the Greenwich area is $5,339. Home health care includes skilled nursing support and may be more expensive.
Below we’ve compiled a comprehensive directory of every home care provider in Cos Cob– complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.
Home Care Agencies in Cos Cob, CT
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What you can do with Caring
Paying for Home Care in Cos Cob, CT
The Cost of Home Care in Cos Cob, CT
Cos Cob’s average monthly price of $5,339 for home care is roughly $100 higher than the average for Connecticut, but roughly $380 higher than the national average. Seniors see slightly lower prices in state capital Hartford and in New Haven. The highest average monthly price for home care in Connecticut is in Norwich, which reports a price of $5,506.
Cos Cob
$5,339
Connecticut
$5,243
The United States
$4,957
Norwich
$5,506
New Haven
$5,243
Hartford
$5,329
The Cost of Home Care vs. Other Senior Care Options in Cos Cob, CT
Cos Cob seniors who need round-the-clock medical support of a skilled nursing facility see extremely high prices for nursing home care, illustrated by an average monthly price of $16,805 for a semiprivate room. Assisted living care is roughly $900 more expensive than home-based care on a monthly basis. Though its hours and medical support abilities are relatively limited by comparison, adult day health care can be a good choice for certain seniors who look to save on care costs.
Home Care
$5,339
Home Health Care
$5,339
Adult Day Health Care
$1,619
Assisted Living
$6,273
Nursing Home Care (semiprivate room)
$16,805
Note:Â Data for Cos Cob was unavailable, so data for the nearest city, Bridgeport, was used instead.
Financial Assistance for Home Care in Cos Cob, CT
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.
Cos Cob 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 Cos Cob:
Resource | Contact | Address | Service |
---|---|---|---|
Rebuilding Together New Britain | (860) 832-4389 | 200 Myrtle St., New Britain, CT 06053 | A local affiliate of Rebuilding Together, this charity helps homeowners repair their homes. On Spring Rebuilding Day, which is held on the last Saturday in April, it restores 15 local homes. Throughout the year, its volunteers help homeowners with year-round maintenance projects. These projects may include electrical repairs, plumbing repairs or accessibility modifications. |
HomeFront | (800) 887-4673 | 88 Hamilton Ave., Stamford, CT 06902 | HomeFront’s team of volunteers provides free home repairs to low-income homeowners, including seniors. These repairs are conducted on the first Saturday in May, but applications are accepted year-round. HomeFront may install ramps, repair roofs or replace windows and doors, among other projects. They may also perform cleaning and yard work, depending on seniors’ needs. |
Meals-on-Wheels of Greenwich | (203) 869-1312 | 89 Maple Ave., Greenwich, CT 06830 | Meals-on-Wheels of Greenwich is a non-profit organization that delivers hot and cold meals to seniors. Volunteers deliver two meals each weekday. Weekend meals are available, and if requested, they’re delivered on Fridays. Various dietary requirements, including allergies and low-sodium, can be accommodated. Meals are subsidized through donations, so seniors are charged only $7 per day. |
Catholic Charities of Fairfield County | (203) 416-1319 | 238 Jewett Ave., Bridgeport, CT 06606 | Each day, Catholic Charities of Fairfield County provides meals to more than 400 seniors. The charity delivers well-balanced meals each weekday, and if necessary, weekend meals can be provided. To help seniors stay healthy, a variety of therapeutic diets are available. A donation is suggested, but not required, to help cover the meal costs. It also offers a Community Cafe program that provides meals to seniors in a group setting. |
Renters Rebate Program | (203) 622-7700 | 101 Field Point Rd., Greenwich, CT 06830 | Seniors who rent their homes may be eligible for assistance from the Renters Rebate program. This state-funded program provides funding based on a senior’s rent and utility payments, as well as their income. Each year, single seniors can receive up to $700, while couples may receive as much as $900. This rebate can make rent more affordable for seniors. |
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.
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.