The Best Home Care Agencies for Seniors in Darien, CT for 2025

Based on its proximity to Bridgeport, Darien shares the same care costs. Seniors in this area typically pay $5,339 per month for home care, which is around $100 higher than the Connecticut state average and nearly $400 more expensive than the average American city. Rates in Hartford are similar to Darien, and costs are even lower in New Haven, which is on par with the state median. However, Darien is around $160 less expensive than Norwich. It’s also more affordable than the neighboring New York area, where costs are in excess of $5,500 per month.

Seniors who require lower levels of care and supervision may consider adult day health care, which is very affordable at $1,619 per month. Individuals who need assistance with daily tasks will find home care to be around $900 less expensive than assisted living. While home health care also includes skilled nursing care, costs are the same as in-home care. Nursing homes are the most expensive with semiprivate rooms at $16,805 — $11,000 more expensive than home care.

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.