Florida’s well-deserved reputation as a great place to retire probably explains why an increasing number of seniors are moving there. The 2020 Census revealed over 4.5 million of its residents are aged 65+, an increase of almost 1.25 million since 2010. The Sunshine State doesn’t tax its residents’ incomes, allowing seniors to hold on to more of their pensions, Social Security benefits and other earnings. It also boasts many nationally ranked medical facilities, such as the Mayo Clinic-Jacksonville and Adventhealth Orlando.

With so many seniors choosing to live there, it isn’t surprising Florida has numerous in-home care and home health care agencies dedicated to helping them age comfortably. In-home care is a nonmedical service focused on custodial services and companionship, which typically includes light housekeeping and assistance with personal care. Home health care adds basic medical support to those services, often delivered by skilled nurses and occupational therapists. Florida’s average monthly fee for both options is $4,767.

This guide explains what in-home care offers seniors who want the advantages of care services without relocating to an institution. It also covers likely costs and how Medicare and Medicaid can help, in addition to listing some senior-friendly resources.

The Cost of In-Home Care in Florida

Florida’s in-home care costs published in the 2021 Genworth Cost of Care Survey, are a pleasant surprise. On average, the typical Floridian pays $190 per month less than the typical American, who pays $4,957. Costs don’t compare so well with neighboring states, however. For example, Alabama and Mississippi both average $3,813 per month, Louisiana costs $3,623 and South Carolina averages $4,433. Despite this, Florida is the only one of the six states not to tax incomes, which may offset its costlier in-home care fees.

$4767

Florida

$4957

The United States

$4290

Georgia

$3813

Alabama

$3813

Mississippi

$3623

Louisiana

$4433

South Carolina

Many factors influence in-home care fees, including location. In Crestview, the average is $5,005, while in Jacksonville, it’s a more welcome $4,481. The Villages can be costly, with fees averaging $5,720, while Sebastian, although above the state median, is more affordable, at $5,100. Seniors in and around Punta Gorda can expect to pay about $4,767 for in-home care, while their peers down in Naples typically pay $953 more per month. It’s possible to find significantly below-average costs too, such as in Miami, where they’re around $4,195 — an annual savings of $6,864 when compared to the state’s median fee.

$4481

Jacksonville

$5005

Crestview

$5720

The Villages

$4767

Punta Gorda

$5100

Sebastian

$4195

Miami

$5720

Naples

Prices for different care types are mostly dictated by the level and quantity of services and the provider’s costs. This is why Florida’s adult day health care facilities, with lower overhead per senior, can offer care for $1,517 per month. Compare this with in-home care and home health care agencies, whose fees average $4,767. They provide one-on-one care within the senior’s home and, in the case of home health care, qualified professionals to deliver limited medical support. Assisted living is more affordable at $4,000 per month because all services are contained within one location. Nursing homes typically charge $8,654, reflecting narrower staff-to-resident ratios and care administered by physicians and skilled nurses.

$4767

In-Home Care

$4767

Home Health Care

$1517

Adult Day Health Care

$4000

Assisted Living Facility

$8654

Nursing Home Facility (semiprivate room)

Does Medicaid Cover Home Care in Florida?

Medicaid doesn’t directly cover home care costs but the Statewide Medicaid Managed Care Long-Term Care Program can. Its purpose is to provide all the assistance a senior would receive in a nursing home but within their own home, including non-medical services. Another waiver, the Program of All-Inclusive Care for the Elderly, also aids seniors at home by combining elements of Medicaid and Medicare to cover all care needs.

The Home Care for the Elderly waiver provides a basic subsidy to all applicants and tailored subsidies to cover needs specific to each senior enrolled in the program. The final waiver is Community Care for the Elderly, which is available to all seniors whose needs fall within its scope, although it is primarily focused on those at risk of elder abuse.

Home Care Waiver Programs in Florida

The following waivers can help Florida seniors receive the help they need at home, including personal care, medical assistance, counseling and subsidies. 

Waiver
Contact
Services Provided

(800) 963-5337

The waiver delivers care within the home for adults aged 60+. There's a basic subsidy of $160 per month to cover some medical expenses, with special subsidies also available for other necessities, such as wheelchairs, assistive devices, home health aides and home accessibility modifications. To be eligible, a senior must have an income and assets below the Institutional Care Program standards, be at risk of entering a nursing home, receive SSI and have an adult caregiver residing with them.

(800) 963-5337

Community Care for the Elderly is a waiver for functionally impaired Floridians aged 60 or older, with priority given to those referred by Adult Protective Services due to the risk of elder abuse. It can pay for a wide range of in-home medical and non-medical services. These include companionship, counseling, personal care, home nursing and legal assistance. Although administered by the Department of Elder Affairs, the work is subcontracted to agencies by the local Area Agency on Aging.

Multiple Providers

The Program for All-Inclusive Care for the Elderly, often referred to as PACE, is a waiver that blends Medicaid and Medicare to provide all the medical and non-medical care the senior requires at home. Depending on the senior's tailored care plan, this may include restorative therapies, personal care, meal deliveries and social support. It's available to adults aged 55 and older at risk of institutionalization. PACE is only available in limited areas, so potential applicants should check with their Aging and Disability Resource Center for local PACE providers.

(800) 963-5337

This waiver comprises two programs: the Long-Term Care Managed Care Program and the Managed Medical Assistance Program. Together, they deliver a comprehensive range of care options for seniors in the home and institutional care facilities. For seniors with qualifying incomes, assets and health care needs, it can provide nursing care in the home, training for caregivers, home-delivered meals, homemaker services, medications and medical equipment. Eligible applicants are aged 65 or older and assessed as being at risk of moving to a nursing home care facility.

How to Know if You’re Eligible for Medicaid in Florida

As of 2022, single adults applying for assistance must provide proof their countable income doesn’t exceed $11,964 per year and their assets are worth no more than $5,000. If both spouses in the household apply, the figures are $16,116 annually for income and $6,000 for assets. Be aware that there is likely to be a check on your sale of assets for the previous 5 years to determine if they’ve been undersold in anticipation of your application.

2022 Medicaid Income Limits for Seniors in Florida

Income Limits*
Asset Limits

Single Person

$11,964

$5,000

Two-Person Household

$16,116

$6,000

*per year

Other eligibility requirements include:

  • Aged 65 years or older
  • U.S. citizen or legal permanent resident
  • Florida resident
  • Require care provided in a nursing home facility

How to Apply for Medicaid in Florida

Seniors without Medicaid should apply via ACCESS Florida or visit their nearest ACCESS Florida Service Center to apply in person. Alternatively, they can call (850) 300-4323 to request an application form, which should be completed and mailed to their nearest ACCESS center.

What Information You Will Need

You’ll need to provide evidence to support your application. This typically includes Social Security and Medicare cards as proof of identity, wage stubs and 60 months of bank statements as proof of income and life insurance policy numbers. You may also need to provide property deeds and pre-need burial contract documents.

How to Get Help Applying for Medicaid

Some people may become confused and stressed about applying for Medicaid. Fortunately, there are several organizations that can help guide applicants through the process or simply provide information and links to nearby advisors.

Contact
Area Served
Services Provided

Online Only

Statewide

The organization's website provides detailed information about Florida's Medicaid program for people who want to conduct their own research. It also includes useful tools to help visitors determine if they're eligible and how much of their assets they need to spend down to qualify for Medicaid.

Online Only

Statewide

The federal website contains up-to-date information about Medicaid and guides visitors through the application process. It also allows applicants to check the status of their applications and renew their Medicaid cards if they already qualify.

(877) 711-3662

Statewide

The state government's website contains a wealth of information about Medicaid and waiver programs. It also helps visitors learn what plans they're eligible for and provides details for each. There are links to addresses and phone numbers for visitors who want to contact an advisor directly.

Does Medicare Cover In-Home Care in Florida?

In general, Medicare does not cover the cost of non-medical home care. That being said, there are situations in which Medicare provides some coverage for medical home care, referred to as “Home Healthcare.” There are several eligibility restrictions for coverage, including that individuals must be homebound and have a referral from their doctor specifically for home healthcare services.

Below is an overview of some of the skilled medical professionals whose in-home services are typically covered by Medicare – for more in-depth information, refer to our Guide to Home Healthcare.

  • Physical Therapists: Physical therapy is used to help patients recover from injuries (broken bones, knee injuries, etc.), treat ongoing conditions such as arthritis, and assist in recovery from surgeries and procedures such as a knee or hip replacement.
  • Visiting Nurses: Licensed nurses can provide a number of medical services for those who don’t need to stay in the hospital, but do need regular medical services such as wound care, changing feeding tubes, etc.
  • Occupational Therapists: Occupational therapists help seniors regain or maintain the ability to accomplish normal, daily tasks, such as bathing, dressing, eating, and other daily activities.
  • Speech Therapists: Speech therapists help seniors who are struggling to adequately communicate due to a stroke, dementia, or any other cause regain the ability to functionally communicate using a variety of means. Additionally, speech therapists help to keep seniors independent by modifying diets, teaching special techniques to swallow safely, and retraining associated muscles.

As mentioned above, in-home care is distinctly different from home healthcare. But, there can be some overlap in services between the two types of care. So, while Medicare doesn’t cover non-medical in-home care, there are in-home care services that may be covered in special circumstances when they’re provided in conjunction with home healthcare (such as an occupational therapist helping with eating or dressing)

Other Financial Assistance Options for In-Home Care in Florida

While the above programs help many people finance in-home care, they will not cover all costs for everyone. There are other ways to pay for in-home care, including out-of-pocket arrangements with siblings, annuities, reverse mortgages, private insurance and more. Read Caring.com’s Guide to In-Home Care Costs to learn more about these alternative payment options.

Free and Low-Cost Resources for Seniors in Florida

Floridian seniors can access a wealth of free and low-cost resources to help them age safely and comfortably in their own homes. Those listed here can pay some energy bills, make homes more energy-efficient, deliver nutritious meals and support caregivers too.

Contact
Area Served
Services Provided

(850) 245-7105

Statewide

The Florida Weatherization Assistance Program supports seniors on limited incomes, helping to make their homes more energy-efficient and comfortable. Operating at a local level through community action agencies, it allocates grants to cover necessary home improvement costs. Depending on the results of the home survey, these can include wall and attic insulation, window and door repairs and the replacement of furnaces and air conditioning systems.

(954) 731-8770

South Florida

Meals on Wheels South Florida serves 1.2 million meals to over 10,000 residents in the region annually. The service is open to homebound Floridians aged 60 and older who struggle to prepare their own food and don't have someone who can regularly assist. The nonprofit can also deliver medically tailored meals. Its pet program includes monthly deliveries of food and a mobile veterinarian service.

Statewide

The Low-Income Home Energy Assistance Program is available to seniors struggling to cope with rising energy costs. Seniors with qualifying incomes can apply up to three times per year for support, with the program paying the energy supplier directly. However, there are some restrictions, such as propane and natural gas bills only being eligible in winter. To qualify, the senior must be a U.S. citizen and Florida resident with an income no greater than 60% of the state median income.

(407) 801-4350

Statewide

Florida Legal Services is a nonprofit organization supported by donations and funding from The Florida Bar Foundation. It advocates for seniors on low incomes who may otherwise be denied justice due to their inability to pay legal costs. Its lawyers and paralegals specialize in civil law, taking on a range of cases, such as seniors denied state medical insurance and vulnerable residents facing elder abuse. 

(850) 488-6800

Multiple Counties and Municipalities

In Florida, many counties and municipalities allow for a homestead exemption of up to $50,000. To qualify, the applicant must reside in and own the home, be aged 65 years or older and have an income that doesn't exceed the limit for their area. In some locations, there's also an additional homestead exemption up to the value of homes priced below $250,000 where the senior has resided for at least 25 years.

(850) 414-2000

Statewide

The Department of Elder Affairs administers the Family Caregiver Support Program in Florida. It can help families caring for frail and elderly relatives, providing them with information on how to deliver the best care possible and supporting them in more practical ways, such as transportation and respite care. The department also offers individual counseling to help caregivers cope with the stress their duties may produce. 

COVID-19 Rules for In-Home Care Providers in Florida

As of February 28, 2022, all medical and non-medical staff caring for Floridians in their homes must be fully vaccinated against COVID-19. The only exceptions are those granted exemptions or whose vaccines must be temporarily delayed, as recommended by the CDC. Seniors should check with their nearest Area Agency on Aging if they’re unsure about the latest practices because the state and federal governments can change rules at short notice. Also, each care agency may have additional policies and procedures in place to keep their clients and staff as safe as possible, so it’s prudent to check with the appropriate provider too.

In-Home Care Laws and Regulations in Florida

The Florida Division of Health Quality Assurance regulates senior care in the state. The division inspects residential care facilities and takes reports from the public about conditions at the sites it oversees. The table below contains an overview of the laws for senior home care in Florida.

In-Home Care Laws and Regulations in Florida
Scope of Care
Home care agencies may provide assistance with activities of daily living, personal care, homemaking, companionship, respite, and any other non-skilled services that a patient may need.
Care Plan Requirements
Home care agencies must provide patients with information about their services, the identity of the person providing care and all costs and fees associated with care at least 48 hours in advance of the onset of treatment. Patients have a right to be involved in the care planning process.
Medication Management Requirements
Home care providers may, consistent with a dispensed prescription's label or the package directions of an over-the-counter medication, assist a patient whose condition is medically stable with the self-administration of routine, regularly scheduled medications that are intended to be self-administered. Written permission is required in advance.
Staff Screening Requirements
All staff must undergo a level 2 background screening by scanned fingerprints.
Staff Training Requirements
None
Medicaid Coverage
Florida Medicaid reimburses beneficiaries for home health services rendered by a licensed, Medicaid-participating home health agency and Medicaid-enrolled or registered personal care providers.
Reporting Abuse
Abuse should be reported to the office of the Complaint Administration Unit at (888) 419-3456 or CAU@ahca.myflorida.com.

Frequently Asked Questions

Does Florida Medicaid pay for in-home care?

Florida Medicaid does not usually issue direct payments for in-home care, but it can and does reimburse beneficiaries for eligible and pre-approved services.


Are there programs to cover home modifications in Florida?

Florida Home Care for the Elderly (HCE) pays for approved home access modifications. This can include the installation or modification of ramps, doorways and other fixtures. Homes must be inspected and work approved in advance.

Are there transportation assistance programs in Florida?

Find a Ride Florida helps seniors aged 60 and over in each of Florida’s 67 counties find low-cost and free transportation services for medical and personal trips.


What does it mean to age in place?

Aging in place means a senior remains in the home of their choice for as long as they safely can. This may be a private residence, the home of a family member or another arrangement. The term can also include the necessary services and support needed to help seniors stay independent.

What are “Activities of Daily Living?”

Activities of daily living (ADLs) are routine personal tasks that in-home caregivers frequently assist seniors with completing. Examples include bathing, dressing and preparing meals. ADLs do not include instrumental activities, such as managing finances or making medical decisions.

How to Find an In-Home Care Provider in Florida

Whether you are looking for yourself or a loved one, finding a quality home care provider can be a stressful process. When you hire an in-home care aide you’re placing a lot of trust in the hands of the person by inviting them into your home, so you’ll want to be diligent in your search. At Caring.com, we’re here to help – we’ve created a helpful checklist below that can help guide you through the process of both determining your needs and finding a home care agency that will provide the best care possible.

Finding a Home Care Provider Checklist

Find Home Care Agencies Near You

To find quality home care providers near you, simply input the zip code or city where you would like to start your search. We have an extensive directory of home care agencies all across the nation that includes in-depth information about each provider and hundreds of thousands of reviews from seniors and their loved ones.

2017, 2019, 2020, 2021, 2022

Home Instead – Orlando, FL

3655 Maguire Blvd, Suite 150, Orlando, FL, 32803

Takes good care of client. It’s nice to have the same 2 women that know the routine. They are very caring and reliable.
Takes good care of client. It’s nice to have the same 2 women that know the routine. They are very caring and reliable.

2017, 2018, 2019, 2020, 2021, 2022

Right at Home Orlando, FL

7065 Westpointe Blvd., Unit 309, Orlando, FL, 32835

Excellent providers! Went above and beyond for us!
Excellent providers! Went above and beyond for us!

2020, 2021, 2022

Right at Home Longwood and Lake Mary, FL

740 Florida Central Parkway, Suite 2056, Longwood, FL, 32750

They allow me to run errands, go to the doctor or to go grocery shopping. They have the best caregiver and we are very happy with her.
They allow me to run errands, go to the doctor or to go grocery shopping. They have the best caregiver and we are very happy with her.

A Place At Home – Orlando, FL

5449 S Semoran Blvd Suite 234, Orlando, FL, 32822

When it comes to in-home senior care and other services designed to help seniors age gracefully, A Place At Home is there to provide you with compassionate professionals to assist you or your loved on … (read more)
When it comes to in-home senior care and other services designed to help seniors age gracefully, A Place At Home is there to provide you with compassionate professionals to assist you or your loved on … (read more)

HomeWell Care Services Orlando

450 S Orange Ave Ste 346 , Orlando, FL, 32801

Teri Rosado and Martin Mudd have a passion for helping others and for giving back to their community. When their parents grew older and needed extra support, Teri and Martin understood the growing nee … (read more)
Teri Rosado and Martin Mudd have a passion for helping others and for giving back to their community. When their parents grew older and needed extra support, Teri and Martin understood the growing nee … (read more)

Right at Home – ‌North Orlando

‌711 W Colonial Drive ‌, Orlando, FL, 32804

Right at Home provides in-home caregiving services for thousands of families across the nation. We offer companionship and help with everyday tasks that have become challenging for an aging person. Th … (read more)
Right at Home provides in-home caregiving services for thousands of families across the nation. We offer companionship and help with everyday tasks that have become challenging for an aging person. Th … (read more)

Family Home Care of Central Florida

1326 Palmetto Ave , Winter Park, FL, 32789

Family Home Care of Central Florida is a locally owned and operated private duty home care agency located in Winter Park. We strive to redefine the home care experience for our clients. Cheri Wells, … (read more)
Family Home Care of Central Florida is a locally owned and operated private duty home care agency located in Winter Park. We strive to redefine the home care experience for our clients. Cheri Wells, … (read more)

HomeWell Care Services – Melbourne, FL

1600 Eau Gallie Blvd , Suite 205 K, Melbourne, FL, 32935

Dee and Rob Rister started HomeWell Care Services in Lexington Kentucky in 2020 during the beginning of the global pandemic. They demonstrated a commitment to providing home care services to their com … (read more)
Dee and Rob Rister started HomeWell Care Services in Lexington Kentucky in 2020 during the beginning of the global pandemic. They demonstrated a commitment to providing home care services to their com … (read more)

Meetcaregivers Inc – Orlando, FL

1060 Woodcock Rd, Orlando, FL, 32803

MeetCaregivers is an in-home care provider currently serving seniors and families in Massachusetts, Rhode Island, Deleware, Florida, Washington, and Florida. <p></p> We match seniors with the perfec … (read more)
MeetCaregivers is an in-home care provider currently serving seniors and families in Massachusetts, Rhode Island, Deleware, Florida, Washington, and Florida. <p></p> We match seniors with the perfec … (read more)

2020, 2021, 2022

Visiting Angels of Orange & Osceola Counties

1707 Orlando Central Parkway, Suite 450, Orlando, FL, 32809

They help him in the shower. The ladies are reliable and well qualified.
They help him in the shower. The ladies are reliable and well qualified.

2018

Brevard Affordable Home Care Agency

2460 N. Courtenay Parkway, Suite 103, Merritt Island, FL, 32953

We love Nina! She is the best caregiver. Thx for choosing her for our mom. Regards, Susan and Barbara A.
We love Nina! She is the best caregiver. Thx for choosing her for our mom. Regards, Susan and Barbara A.

Arosa Orlando

341 N. Maitland Ave., Suite 130, Maitland, FL, 32751

It seems to be very good from what I hear. I like the caregiver communicates with me.
It seems to be very good from what I hear. I like the caregiver communicates with me.

Griswold Home Care of Seminole & North Orange Counties

1850 Lee Road, Suite 320, Winter Park, FL, 32789

I feel so fortunate to have learned about Griswold Home Care – through a care manager I was working with for my mom. Mary C really helped find a good match for my mom’s needs and has been a great hel … (read more)
I feel so fortunate to have learned about Griswold Home Care – through a care manager I was working with for my mom. Mary C really helped find a good match for my mom’s needs and has been a great hel … (read more)

FirstLight Home Care of Central Orlando, FL – SW Orlando

2441 West State Road 426, Suite 2021, Orlando, FL, 32765

I would like to leave feedback on my caregiver Phyllis. She is has been the best companion that I have ever had. She works with this company and really likes it there. The people that work in the offi … (read more)
I would like to leave feedback on my caregiver Phyllis. She is has been the best companion that I have ever had. She works with this company and really likes it there. The people that work in the offi … (read more)

Partners in Healthcare

815 Orienta Ave., Suite 1060, Altamonte Springs, FL, 32701

We are able to keep Mom at home and get a home health care from Partners in HealthCare for her. That’s been working out very well so far. We all felt very good about them having a really flexible sche … (read more)
We are able to keep Mom at home and get a home health care from Partners in HealthCare for her. That’s been working out very well so far. We all felt very good about them having a really flexible sche … (read more)

Sandcastle Homecare

125 S. Swoope Ave, Maitland, FL, 32751

The Jacksonville office is very negligent when it comes to answering, returning calls and leaving people on hold for an unreasonably long time. Lack of communication and poor customer service makes t … (read more)
The Jacksonville office is very negligent when it comes to answering, returning calls and leaving people on hold for an unreasonably long time. Lack of communication and poor customer service makes t … (read more)

Preferred Care at Home of Northeast Orlando

2454 E. Micigan Street Suite D, Orlando, FL, 32806

A friend of mine knows Robin’s sister in law. We did some research about preferred care and we liked their service and rates so we decided to go with them. We’ve been with them for quite a few years. … (read more)
A friend of mine knows Robin’s sister in law. We did some research about preferred care and we liked their service and rates so we decided to go with them. We’ve been with them for quite a few years. … (read more)

Robinson Tender Touch Home Care

4801 North Pine Hill Rd., Orlando, FL, 32811

I received excellent care until my family members were able to come, to Florida to see about me. They treated with dignity and respect. I would highly recommend them.
I received excellent care until my family members were able to come, to Florida to see about me. They treated with dignity and respect. I would highly recommend them.

Flourish in Place Home Care Solutions

1080 Woodcock Rd Suite 276, Orlando, FL, 32803

While my normal care giver was on vacation Angel and Sessions made sure that I was very well taken care of. They were all professional and polite, if you need home care this is the company that you … (read more)
While my normal care giver was on vacation Angel and Sessions made sure that I was very well taken care of. They were all professional and polite, if you need home care this is the company that you … (read more)

Superior Care Home Care

111 N Orange Ave Suite 800, Orlando, FL, 32801

My father is using Superior Care Home Care. Everything’s been very positive. We were able to establish care to the personnel. She’s very proactive and caring. My parents feel comfortable with her. She … (read more)
My father is using Superior Care Home Care. Everything’s been very positive. We were able to establish care to the personnel. She’s very proactive and caring. My parents feel comfortable with her. She … (read more)

Home Care Services in Florida (477)