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The 10 Best Home Care Agencies for Seniors in Manchester, CT 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 Manchester, CT, residents and their loved ones rate In Home Care agencies 4.9 out of 5 stars across the 59 options below.

Home Care Agencies in Manchester, CT

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Paying for Home Care in Manchester, CT

The Cost of Home Care in Manchester, CT

A suburb of Hartford, Manchester shares the same care costs. On average, seniors pay $5,329 per month for in-home care services, which is slightly higher than the state median of $5,243 and around $370 higher than the U.S. national average. It’s also a little more expensive than New Haven, where costs are on par with the state average. Manchester is, however, a slightly more affordable option than Bridgeport and nearby Springfield, MA. Home care services are also nearly $200 lower than in Norwich, which sees the state’s highest rates at $5,506 per month.

Manchester

$5,329

Connecticut

$5,243

United States

$4,957

Bridgeport

$5,339

New Haven

$5,243

Norwich

$5,506

Springfield, MA

$5,339

The Cost of Home Care vs. Other Senior Care Options in Manchester, CT

The most affordable type of care for seniors in Manchester is adult day care, which is a good option for individuals who only require part-time supervision. Assisted living is also slightly less expensive than home care. Home health care is around $250 more than in-home care, as the former includes skilled nursing services. Those who require high levels of medical assistance and supervision may be best suited to a nursing home, where rates start at $13,247 per month for semiprivate accommodations.

Home Care

$5,329

Home Health Care

$5,577

Adult Day Health Care

$1,896

Assisted Living

$5,225

Nursing Home Facility (semiprivate room)

$13,247

Note: Data for Manchester was not available, so data for the nearest city, Hartford, was used instead.

Financial Assistance for Home Care in Manchester, 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.

Manchester 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 Manchester:

ResourceContactAddressService
Weatherization Assistance Program(860) 560-5600555 Windsor Street, Hartford, CT 06120Funded by the U.S. Department of Energy, the Weatherization Assistance Program applies several measures to help low-income seniors reduce their energy consumption and costs. These measures can include tuning up energy systems, sealing doors and insulating attics and sidewalls. There’s no cost to the senior for the service. To be eligible, the senior must have an income of no more than 60% of the state median income
Dial-A-Ride(860) 870-794041 Center Street, Manchester, CT 06040Dial-A-Ride is a free service for adults aged 60 and over and the disabled. Most trips are for grocery shopping, although seniors can organize day trips that include multiple stops around the town. On specific days of the month, trips are scheduled for medical appointments and visits to the DMV in Wethersfield. Dial-A-Ride operates from Monday to Friday between 8:30 a.m. and 4:15 p.m. and between 10 a.m. and 3 p.m. on Saturdays. 
Manchester Senior Center(860) 647-3211549 Middle Turnpike E, Manchester, CT 06040The Manchester Senior Center is somewhere for the town’s seniors to socialize and participate in games and classes designed to improve health and well-being. Some activities incur a fee, such as the AARP Driver Safety Program, while others, such as the book club, do not. Activities include classes that teach ceramics and computer skills. There is also a walking group and fitness classes focusing on tai chi and a gentler version of Zumba.
Elderly/Disabled (Circuit Breaker) Tax Relief Program(860) 418-6422450 Capitol Avenue, Hartford CT 06106Adults aged 65 and over who reside in real property within Connecticut can apply for a property tax credit on their homes. To qualify, the senior’s annual income must not exceed the program’s limits. The amount is calculated by an assessor, based on a sliding income scale. It can be as much as $1,250 for a married couple and $1,000 for an individual. Seniors who wish to apply must do so to the Assessor’s Office between February 1st and May 15th.
Connecticut Energy Assistance Program (CEAP)(860) 560-5800555 Windsor Street, Hartford, CT 06120CEAP is a federally funded program designed to make heating costs more affordable for low-income residents of Connecticut. It can pay for different fuel types, including oil and wood pellets. To qualify, seniors must have annual incomes of no more than 60% of the state median income.

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 – oftentimes 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 home care
Checklist for determining the need for 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.

Download
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs
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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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