The 10 Best Home Care Agencies for Seniors in Bonita Springs, FL for 2025

Based on its proximity to Cape Coral, Bonita Springs has the same care costs. According to the 2021 Genworth Cost of Care Survey, seniors pay an average of $5,196 per month for home care services, which is higher than both the state and national averages. With rates matching the state average, the nearby city of Punta Gorda is also less expensive. Home care in Miami is around $1,000 less per month. However, Bonita Springs is an affordable option compared to cities such as North Port and Naples, where home care costs are more than $500 higher per month.

Seniors looking for a budget-friendly option may consider adult day care, which is the most affordable type of care at $1,603 per month. Assisted living is also quite affordable at around $860 less expensive per month than home care. Home health care costs the same as home care, even with the addition of skilled nursing services. Nursing homes are the most expensive type of care in Bonita Springs, though they do offer the highest level of 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.