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The 5 Best Home Care Agencies for Seniors in Defuniak Springs, FL for 2024

DeFuniak Springs is a charming small town with an estimated 6,500 residents, over 16% of whom are retirement age. It offers a supportive environment for older adults, featuring a senior center and community-based programs. Warm weather appeals to retirees who enjoy spending time outdoors while cheaper-than-average housing and the lack of state income taxes make it possible for many to maintain a comfortable standard of living. The city also has several home care agencies that provide nonmedical personal care and supportive services. On average, seniors in this city pay $5,005 per month for this type of care. This is about $50 less than the local cost of home health care, which is similar but includes skilled nursing along with personal care.

Below we've compiled a comprehensive directory of every home care provider in the Defuniak Springs 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.

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Home Care Agencies in Defuniak Springs, FL

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Paying for Home Care in DeFuniak Springs, FL

The Cost of Home Care in DeFuniak Springs, FL

According to the Genworth Cost of Care Survey, in DeFuniak Springs, home care agencies charge $5,005 per month for private services. This is about $240 higher than Florida’s norm but comparable to the national average of $4,957. Most nearby cities have lower home care costs, including the state’s capital city of Tallahassee, where agencies charge $4,814 for care, and Pensacola, where fees come in at $4,767 for full-time services. In Gainesville, rates are about $520 less than in DeFuniak Springs, and in Homosassa Springs, care costs are even more economical at $4,273.

DeFuniak Springs

$5,005

Florida

$4,767

United States

$4,957

Pensacola

$4,767

Tallahassee

$4,814

Gainesville

$4,481

Homosassa Springs

$4,273

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

Seniors in DeFuniak Springs pay $5,005 per month for private nonmedical in-home care and about $50 more per month for specialized home health care. Home-based care is affordable compared to nursing home rates, which start at $7,908 per month for around-the-clock medical care and monitoring. However, seniors may save money by opting for assisted living, which features housing, meals and personal care for $4,924 monthly. 

Home Care

$5,005

Home Health Care

$5,053

Assisted Living

$4,924

Nursing Home Facility (semiprivate room)

$7,908

Note: Data for DeFuniak Springs was unavailable, so data for the nearest city, Crestview, was used instead.

Financial Assistance for Home Care in DeFuniak Springs, 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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

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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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