Caring.com
Caring.com

(800) 558-0653

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

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.

What you can do with Caring

  • Search the Caring database

    Quickly search the largest online senior living and senior care directory

  • Read reviews and expert guidance

    Read our authentic consumer reviews and content by experts

  • Speak to a Family Advisor for free

    Guided, expert advice to find the best community or agency for you

  • Take a tour to decide yourself

    We’ll help you book tours or get in touch with local agencies

Home Care Agencies in Clearwater, FL

41 Results

Didn't find what you were looking for?

Caring's Family Advisors are here to help you with questions about senior living and care options.

Call us at (855) 948-3865

1

2

3

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.

Clearwater

$4,767

Florida

$4,767

The United States

$4,957

Orlando

$4,767

Miami

$4,195

Jacksonville

$4,481

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.

Home Care

$4,757

Home Health Care

$4,862

Adult Day Health Care

$2,123

Assisted Living Facility

$3,350

Nursing Home Facility (semiprivate room)

$8,927

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

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

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

Our Services

  • Senior Living Directory

  • Senior Care Directory

  • Caregiving Resources

  • Sitemap

  • Terms of Use

  • Privacy Policy


© 2024 Caring, LLC. All rights reserved.