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The 10 Best Home Care Agencies for Seniors in Clearwater, FL for 2024

Last Updated: June 5, 2024

Known for its Gulf Coast beaches, Clearwater sits on Central Florida’s western coast near Tampa Bay. As of 2024, the cost of home care in this city comes to about $4,957, offering savings over the state and national norms of $5,625 and $5,720, respectively. Unlike home health care, which includes skilled nursing services, home care accommodates those who need essential non-medical companionship and custodial care. The Clearwater region has 44 home care agencies, with more in nearby communities.

In our guide, we record a typical quality rating of 4.6 out of 5 stars stars for local home care agencies based on 421 reviews reviews.

Home Care Services in Clearwater, Florida

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Paying for Home Care in Clearwater, FL

The Cost of Home Care in Clearwater, FL

According to the 2024 Genworth Cost of Care Survey, home care agencies in Clearwater charge a median monthly rate of $4,957. This cost falls below the state and national norms of $5625 and $5,720, respectively. It also tracks well below costs in nearby cities such as North Port, where agencies charge around $6,673. Even so, seniors in Orlando typically pay lower rates of around $4,004.

Clearwater

$4,957

Florida

$5,625

United States

$5,720

North Port

$6,673

Orlando

$4,004

Deltona

$5,625

Sebastian

$5,148

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

In Clearwater, seniors pay around $4,957 per month for in-home care, saving them about $760 over the cost of home health care. Although seniors who attend adult day health care pay competitive rates of around $4,117, home care costs less than half as much as nursing home care, which comes in at around $10,068.

Home Care

$4,957

Home Health Care

$5,720

Adult Day Health Care

$4,117

Assisted Living Facility

$4,213

Nursing Home Care (semi-private room)

$10,068

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.

ResourceContactService
Pinellas County Senior Connections(727)464-4200Pinellas County Human Services runs the Senior Connections portal with a wealth of downloadable information and links to services for seniors in the Clearwater area.
Older Floridians HandbookOnlineDownloadable 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.
SHINE (Serving Health Insurance Needs of Elders)1(800)963-5337Based in Tallahassee, SHINE holds virtual classes and provides free phone counseling on Medicare health insurance benefits for seniors and family members.
Area Agency on Aging Senior of Pasco and Pinellas Helpline1(800)963-5337A regional helpline dedicated to assisting seniors with independent living.
Independent Living Program(727)464-8210Pinellas County Community Living Division offers low-interest loans and grants for home improvements related to accessibility and safely aging in place through the ILP.
Transportation Disadvantaged Program(727)540-1900Low-income seniors in Pinellas County can receive subsidized public transit fares and door-to-door service at greatly reduced rates.
Neighborly Nutrition Services(727)573-9444Providing 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.
Pinellas Opportunity Council(727)327-3091/ CHORE (727)823-4101/EHEAPPOC 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.

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

Frequently Asked Questions

Reviews of Communities Nearby

Home Care

Dennis G_11

I am a current client of this provider

Review of Right at Home Central Pinellas

They make it so much easier for me so I don't have to walk around. It depends on the caregiver that comes out. Right now I have an excellent person coming to help.

Read more

Home Care

Jim T_11

I am a current client of this provider

Review of Right at Home Central Pinellas

They make sure the house is clean. They're very friendly.

Read more

Home Care

Doneda R

I am a current client of this provider

Review of Right at Home Central Pinellas

They are good at working with me and finding aides. They are good with working with me, and the caregivers show up.

Read more

In Home Care near Clearwater, FL

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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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