Clearwater, FL has long attracted older adults looking to retire near the beach in a community that caters to their demographic needs. For example, with great medical facilities like the Dedicated Senior Medical Center and the BayCare Health Network, Clearwater, Fl is an ideal retirement location. According to Caring’s 2019 Senior Living Report, that interest remains high. It doesn’t hurt that housing costs are lower than the national average and that the sun shines year-round. According to the 2021 Genworth Cost of Care Survey, Clearwater residents pay an average of $4,767 per month for in-home care services in Clearwater, with care providers assisting with non-medical tasks such as meal preparation and grooming. 

Below we’ve compiled a comprehensive directory of every home care provider in the Clearwater area – 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.

Directory of Home Care Services in Clearwater, FL

2018, 2019

Right at Home Central Pinellas

304 S. Belcher Rd., Suite A, Clearwater, FL, 33765

They are flexible with our times. I like that I have one caregiver.
They are flexible with our times. I like that I have one caregiver.

2020, 2021, 2022

Home Helpers of Clearwater

210 S. Pinellas Ave. , #220 , Tarpon Springs, FL, 34689

They are great helpers to my husband and me. There is a shortage in staff. They try their very best to get the help we need.
They are great helpers to my husband and me. There is a shortage in staff. They try their very best to get the help we need.

Home Instead – Clearwater, FL

14202 62nd St N, Clearwater, FL, 33760

Home Instead always goes above and beyond the call They are simply the best I’ve ever experienced. With them the patient always comes first.
Home Instead always goes above and beyond the call They are simply the best I’ve ever experienced. With them the patient always comes first.

A Care Connection – Tampa, FL

602 South Blvd., Tampa, FL, 33606

We had a great experience! Our family member was discharged from the hospital late on a Friday night and we had a caregiver start Monday morning for the exact days and times that we needed for the wee … (read more)
We had a great experience! Our family member was discharged from the hospital late on a Friday night and we had a caregiver start Monday morning for the exact days and times that we needed for the wee … (read more)

Preferred Care at Home of Land O’ Lakes

1523 Dale Mabry Hwym suite 202, Lutz, FL, 33548

We are now using Preferred Care at Home of Land O’ Lakes. The administrative part is very good. They’re very caring and want to be as helpful as possible. My parents are very difficult and not social. … (read more)
We are now using Preferred Care at Home of Land O’ Lakes. The administrative part is very good. They’re very caring and want to be as helpful as possible. My parents are very difficult and not social. … (read more)

Homewatch CareGivers

5999 Central Ave, St. Petersburg, FL, 33710

People are what makes a house a home. Not stuff. Not chores. Not routines. People. That’s why we at Homewatch CareGivers take what we do far beyond caregiving tasks. Here, home care is human. We’re al … (read more)
People are what makes a house a home. Not stuff. Not chores. Not routines. People. That’s why we at Homewatch CareGivers take what we do far beyond caregiving tasks. Here, home care is human. We’re al … (read more)

Home Instead – St. Petersburg, FL

14202 62nd St N, Suite A, Saint Petersburg, FL, 33760

We have been very satisfied with the services provided by Home Instead Senior Care for the past several years. The caregivers are timely, polite and respectful and they interact very well with my mot … (read more)
We have been very satisfied with the services provided by Home Instead Senior Care for the past several years. The caregivers are timely, polite and respectful and they interact very well with my mot … (read more)

Always Best Care of Tarpon Springs

905 W. Martin Luther King Jr. Dr, Suite 330, Tarpon Springs, FL, 34689


BrightStar Care Pinellas

13923 Icot Boulevard, Ste. 807, Clearwater, FL, 33760

They help most with bathing and shopping. I would tell a friend that all the girls have been accommodating.
They help most with bathing and shopping. I would tell a friend that all the girls have been accommodating.

2018

Assisting Hands-Serving Pinellas County

6251 Park Blvd., Ste. 7, Pinellas Park, FL, 33781

This agency has jeopardized a live in daughter’s job, not sending caregivers. They either arrive late or never show up, there is no one to communicate on the weekends. If a caregiver goes on vacation … (read more)
This agency has jeopardized a live in daughter’s job, not sending caregivers. They either arrive late or never show up, there is no one to communicate on the weekends. If a caregiver goes on vacation … (read more)

Executive Care of Clearwater

2753 State Road 580, Suite 201, Clearwater, FL, 33761

We were referred to Executive Care by some of our friends.My mother needed someone to come in and help with the daily chores. The whole staff was very polite and professional. My mother loved her care … (read more)
We were referred to Executive Care by some of our friends.My mother needed someone to come in and help with the daily chores. The whole staff was very polite and professional. My mother loved her care … (read more)

Caring Angel’s Home Care

749 18th Ave., S., Saint Petersburg, FL, 33705

Caring Angel is a warm environment full of activities and outings in the community with a wide variety of services to help you in your every day living with fantastic employers and resident ❤️
Caring Angel is a warm environment full of activities and outings in the community with a wide variety of services to help you in your every day living with fantastic employers and resident ❤️

Always There Home Care Services

8130 66th Street, Suite 12, Pinellas Park, FL, 33781

My Mom needed some support to be able to stay in the home she holds so dear to her heart. Always There provided professional, kind, and compassionate caregivers that took a personal interest in my mot … (read more)
My Mom needed some support to be able to stay in the home she holds so dear to her heart. Always There provided professional, kind, and compassionate caregivers that took a personal interest in my mot … (read more)

Bayshore Home Care

2430 West Bay Drive, Largo, FL, 33770

We used Bayshore Home Care for my parents quite a while back. The doctor had ordered it for my father back in 2007. He passed in 2008. So, initially the care was for my father. When my dad passed away … (read more)
We used Bayshore Home Care for my parents quite a while back. The doctor had ordered it for my father back in 2007. He passed in 2008. So, initially the care was for my father. When my dad passed away … (read more)

Comfort Keepers of Largo

11350 66th St N, Suite # 101, Largo, FL, 33773

Comfor Keepers was immeasurably helpful. I will always be grateful for all the help they provided us. They were very clear about what they could and could not do. I’ve been the primary caregiver for m … (read more)
Comfor Keepers was immeasurably helpful. I will always be grateful for all the help they provided us. They were very clear about what they could and could not do. I’ve been the primary caregiver for m … (read more)

Preferred Care at Home of North Pinellas

681 Tomoka Drive , Suite A, Palm Harbor, FL, 34683

After my back surgery, my parents realized I needed some help to take care of myself and my 11-year old daughter. I was skeptical at first but let me say that I would use and recommend Debbie and her … (read more)
After my back surgery, my parents realized I needed some help to take care of myself and my 11-year old daughter. I was skeptical at first but let me say that I would use and recommend Debbie and her … (read more)

FirstLight HomeCare

28163 U.S. Highway 19 North , Suite 206 (second floor), Clearwater, FL, 33761

After a terrible experience with another home health care provider we met with the owner of First Light for information regarding care of my 95 year old father who lived at home, was sharp, very fit a … (read more)
After a terrible experience with another home health care provider we met with the owner of First Light for information regarding care of my 95 year old father who lived at home, was sharp, very fit a … (read more)

At Home Senior Care – New PORT RICHEY, FL

5609 US HWY 19, New Port Richey, FL, 34652

The services we are receiving is for my brother-in-law. He is suffering from Alzheimer’s. His quality of care is excellent. He is happy with his care and so am I. Good communication, good care, and ca … (read more)
The services we are receiving is for my brother-in-law. He is suffering from Alzheimer’s. His quality of care is excellent. He is happy with his care and so am I. Good communication, good care, and ca … (read more)

Visiting Angels of Clearwater

922 Florida Avenue, Palm Harbor, FL, 34683


Interim HealthCare of Tampa, FL (CLOSED)

2511 West Columbus Dr, Suite A, Tampa, FL, 33607


Paying for Home Care in Clearwater, FL

The Cost of Home Care in Clearwater, FL 

According to the 2021 Genworth Cost of Care Survey, the average monthly cost of in-home care in the Clearwater area is exactly the same as Florida’s state average of $4,767. And that cost stays consistent, at $190 less than the national average, even as you move inland to Orlando. Costs are lower in the major urban center of Miami on the Atlantic coast at $4,195 and in Jacksonville to the north at $4,481.

$4767

Clearwater

$4767

Florida

$4957

The United States

$4767

Orlando

$4195

Miami

$4481

Jacksonville

The Cost of Home Care vs. Other Senior Care Options in Clearwater, FL 

Older residents of Clearwater can choose the type and level of care that works best for them. The monthly cost for in-home care involving non-medical support with the activities of daily life averages $4,767. Home health care, which includes some medical support such as medication and medical device management or wound dressing is slightly more expensive at $4,862. The least expensive option for seniors is adult daycare at $2,123. Assisted living in a facility averages $3,350 per month. And, as might be expected, the most costly option for care is in a nursing home; it averages $8,927 per month.

$4757

Home Care

$4862

Home Health Care

$2123

Adult Day Health Care

$3350

Assisted Living Facility

$8927

Nursing Home Facility (semiprivate room)

Note: Data for Clearwater was unavailable, so data for the nearest city, Tampa, was used instead. 

Financial Assistance for Home Care in Clearwater, FL

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.

Free & Low-Cost Home Care Resources in Clearwater, FL

Free and accessible resources to assist seniors aging in place are widely available online and in-person throughout the Clearwater/ greater Tampa area. Because the region has always been popular with seniors, systems of support are well established.

Resource

Contact

Service

(727)
464-4200

Pinellas County Human Services runs the Senior Connections portal with a wealth of downloadable information and links to services for seniors in the Clearwater area.

Online

Downloadable for free from the Florida Justice Institute, this handbook outlines Florida seniors' programs, including legal and financial programs, and information about housing and estate planning.

1(800)
963-5337

Based in Tallahassee, SHINE holds virtual classes and provides free phone counseling on Medicare health insurance benefits for seniors and family members.

1(800)
963-5337

A regional helpline dedicated to assisting seniors with independent living.

(727)
464-8210

Pinellas County Community Living Division offers low-interest loans and grants for home improvements related to accessibility and safely aging in place through the ILP.

(727)
540-1900

Low-income seniors in Pinellas County can receive subsidized public transit fares and door-to-door service at greatly reduced rates. 

(727)
573-9444

Providing community-based services such as Meals on Wheels, transportation, adult day care programs and free meals (and a ride) at the Senior Café are delivered by Neighborly volunteers, alongside counseling and individual support for seniors and caregivers.

(727)
327-3091/ CHORE

(727)
823-4101/EHEAP

POC offers CHORE, a supportive home chores assistance program for independent seniors, as well as EHEAP, an emergency home energy assistance program for low-income seniors during heating or cooling emergencies.

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.

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.

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

Frequently Asked Questions


What is the difference between in-home care and home health care?


The type and level of care differ when you’re talking about in-home and home health care. In-home care usually refers to services that address activities of daily life such as meal preparation, grooming and household chores. Home health care generally involves professionals who deliver some degree of medical support, such as wound dressing or medication/ medical device management.


What is the average cost for in-home elderly care in Clearwater, FL?


According to the 2021 Genworth Cost of Care Survey, the average monthly cost for in-home care services in the Clearwater and Tampa areas is $4,767. This is slightly less than the national average of $4,957. In-home may include meal preparation, assistance with grooming, dressing and bathing and help with chores around the home.


How do you pay for senior care at home?


Medicare does not generally cover non-medical in-home care, although some aspects may be supported by Advantage or Medicaid waiver programs. Paying out-of-pocket for services is an option for those who can afford it, as is private insurance. Low income seniors may have to rely on help from family, friends and community programs.


What is a home care assessment?


In-home care assessments are generally conducted by a primary care team or a home care agency to identify potential safety hazards and concerns and build a foundation on which to base an in-home care plan. In other words, it is used to help determine the level of support the resident requires to safely remain independent.


What is in-home respite care?


Respite care gives primary caregivers a break and a rest from the daily stress of care. For in-home services it may mean the temporary replacement of the care provider, or access to an off-site senior daycare program.