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

Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Destin, FL, residents and their loved ones rate In Home Care agencies 1.0 out of 5 stars across the 10 options below.

Home Care Services in Destin, Florida

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Paying for Home Care in Destin, FL

The Cost of Home Care in Destin, FL

The 2020 Genworth Cost of Care Survey states that seniors living in the Destin area pay $4,481 per month for home care, which is equal to the national average and $286 higher than the Florida state average. There are several cities in Florida that have lower home care rates, including Pensacola, which has an average monthly cost of $4,277, and Miami, which has the lowest price in the state at $3,623. Comparatively, agencies in Panama City charge an average of $4,624 per month.  

Destin

$4,481

Florida

$4,195

United States

$4,481

Pensacola

$4,277

Panama City

$4,624

Miami

$3,623

Jacksonville

$4,385

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

For seniors in Destin, there are many home care and senior care options to choose from depending on the needs of each individual. Home care in Destin costs an average of $4,481 per month. The average price for home health care is the same, which includes medical services by registered nurses or therapists. For seniors to stay in an assisted living facility in Destin, the average price per month is $4,375 and for a semiprivate room in a skilled nursing facility, the price is $7,908.

Home Care

$4,481

Home Health Care

$4,481

Assisted Living

$4,375

Nursing Home Care (semi-private room)

$7,908

Data for Destin was unavailable, so data for the nearest city, Crestview area, was used instead.

Financial Assistance for Home Care in Destin, 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 Destin, FL

Seniors living in Destin can take advantage of a variety of free and low-cost home care options. There are local and government programs that aim to assist seniors with their general well-being through organized programs and to provide financial assistance for utility bills and household costs. Seniors and loved ones can find out more information by contacting the agencies below.

ResourceContactService
Serving Health Insurance Needs of Elders (SHINE)(866) 531-8011SHINE provides free unbiased insurance counseling to Florida seniors and their families. The program assists seniors in understanding health insurance coverage through Medicare, Medicaid, Prescription Assistance and other health care issues. The volunteer counselors inform seniors of their rights and educate and empower them to make informed decisions.
Respite for Elders Living in Everyday Families (RELIEF)(850) 414-2374The RELIEF program offers in-home respite and provides a break for family members who provide constant care. The aim of the program is to help families continue running as a unit by offering opportunities for respite to reduce the risk of caregivers becoming overworked and ill themselves.
Emergency Home Energy Assistance for the Elderly Program (EHEAP)(800) 963-5337EHEAP is a federally funded program that assists low-income households with energy assistance. To be eligible, households must have at least one person aged 60 or older. The payments are to help with cooling costs during the warmer months and heating costs during the cooler months. Eligible households are provided with up to $1,000 per season. The payments are made directly to the energy companies and vouchers may be provided to help buy blankets, portable heaters and fans.
Florida Weatherization Assistance Program(850) 245-7105The Weatherization Assistance Program provides grants to local governments and agencies to provide energy-saving repairs to low-income households. To be eligible for the program, applicants must be a resident in Florida and preference is given to households with a household member over the age of 60. A wide array of services are offered, such as weather stripping and reduction of water infiltration.

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 Care Providers Nearby

Home Care

Dana H_4

I am a past client of this provider

Review of SYNERGY HomeCare of Emerald Coast

The girls I had were really, really good, until the last day when I had another girl. She was amazing. Her name was Cheyanne! She had a gift. I liked that they were able to start immediately.

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Home Care

Erika R_1

I am a past client of this provider

Review of SYNERGY HomeCare of Emerald Coast

They helped the most by the quality of care that they gave my husband. The time they took, they were never in a hurry. I like that they were fair when a day was not needed. The staff was really...

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Home Care

Madalyn A

I am a current client of this provider

Review of SYNERGY HomeCare of Emerald Coast

These services are helpful because I live in another state and I have a high level of confidence that she is in good hands when I am not there. I like that they have been very accommodating and...

Read more

In Home Care near Destin, FL

ShalimarEglin AfbBluewater BayFort Walton BeachValparaisoMiramar Beach

Other Options in Destin, 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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