The 10 Best Home Care Agencies for Seniors in Greenwich, CT for 2024
Greenwich is located in southwestern Connecticut, less than 10 minutes from the New York border and roughly 45 minutes away from LaGuardia and JFK airports. Approximately 17.4% of Greenwich’s 63,154 residents are senior citizens, slightly more than the national average. Greenwich offers low crime rates and convenient access to respected regional hospitals, including Greenwich Hospital and Bridgeport Hospital. The 2021 Genworth Financial Cost of Care Survey, which considers Greenwich part of the Bridgeport area, reports that the average monthly cost of home care is $5,339. Exact costs vary by provider and array of services. Home health care provides more medical support and hence is occasionally slightly more expensive than basic home care.
Below we’ve compiled a comprehensive directory of every home care provider in Greenwich– 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.
What you can do with Caring
Paying for Home Care in Greenwich, CT
The Cost of Home Care in Greenwich, CT
The average cost of home care in the United States is $4,957. According to the 2021 Genworth Financial Cost of Care Survey, all Connecticut cities included are more expensive than the national average. The lowest price in the state is reported by New Haven at $5,243, which matches the average price in Connecticut. Hartford’s average monthly cost of $5,329 is extremely close to Greenwich’s price of $5,339. Norwich is the state’s most expensive city for home care, reporting an average monthly cost of $5,506.
Greenwich
$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 Greenwich, CT
In Greenwich, the only long-term care option less expensive than home care is adult day health care at $1,619 per month. However, it usually does not offer coverage outside of traditional working hours. Assisted living provides a more community-based experience than home care and averages $6,273 per month. A semiprivate room in a nursing home allows for the largest amount of medical care, but is far more expensive at an average of $16,805 per month. Â
In-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: Data for Greenwich was unavailable, so data for the nearest city, Bridgeport, was used instead.
Financial Assistance for Home Care in Greenwich, 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.
Greenwich 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 Greenwich:
Resource | Contact | Address | Service |
---|---|---|---|
Connecticut Home Care Program for Elders (CHCPE) | (800) 445-5394 | 1642 Bedford Street, Stamford, CT 06905 | The Connecticut Home Care Program for Elders (CHCPE) is a program administered by the Connecticut Department of Social Services that helps seniors remain at home instead of being placed in a nursing home. Residents of Connecticut who are over the age of 65 and living on a limited income can apply to receive financial assistance with the cost of services associated with aging in place, such as care management, companionship, meal delivery and homemaker services. |
At Home In Greenwich | (203) 422-2342 | 139 East Putnam Avenue, Greenwich, CT 06830 | At Home In Greenwich is a membership-based organization that offers seniors a way to stay active and socially engaged as they age in place. It hosts a monthly calendar of social and recreational programs and events for members to participate in, as well as educational programs and health seminars. Volunteers are available to provide transportation services and assistance with everyday household tasks, such as tech help, prescription pickups and minor repairs. For larger tasks and services, the organization offers a list of reliable vendors that have been pre-screened and approved. These vendors often offer discounted rates for members, and after the service is completed, At Home will do a check to ensure the service meets the members’ expectations. |
Jewish Family Services of Greenwich | (203) 622-1881 | 1 Holly Hill Lane, Greenwich, CT 06830 | This organization provides a free grocery shopping service for homebound seniors age 60 and older regardless of religious affiliation. It also has a volunteer visiting program that allows seniors to develop friendships and feel a sense of companionship. |
Senior Tax Relief | (203) 622-7885 | 101 Field Point Road, Greenwich, CT 06830 | Income-limited seniors can apply for tax relief and credits via the Greenwich Assessor’s Office. To be eligible, seniors must be aged 65 and older, and depending on income level, they may be eligible to receive both state and local tax credits. |
Connecticut Energy Assistance Program (CEAP) | (800) 842-1132 | 44 Hamlin Street, Middletown, CT 06457 | CEAP is part of the federally funded Low Income Home Energy Assistance Program (LIHEAP) designed to help offset winter heating costs for low-income households. Seniors aged 60 years and older can apply to receive assistance with bill payments, energy crisis, weatherization and energy-related home repairs. |
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.