Destin, a small city in northwest Florida is home to 14,247 residents, 18.7% of whom are age 65 and over, making it an excellent choice for seniors who like being part of a large senior community. According to the 2020 Genworth Cost of Care Survey, residents in Destin on average pay $4,481 for home care services, which is slightly higher than the Florida average.

Below we’ve compiled a comprehensive directory of every home care provider in the Destin 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 Destin, FL

Home Instead – Fort Walton Beach, FL

722-H Beal Pkwy NW, Fort Walton Beach, FL, 32547

My Mother has balance issues and limited mobility which affects so many parts of her daily life. Home Instead has provided caregivers that help her with dressing and bathing, assistance with meals, w … (read more)
My Mother has balance issues and limited mobility which affects so many parts of her daily life. Home Instead has provided caregivers that help her with dressing and bathing, assistance with meals, w … (read more)

SYNERGY HomeCare of Emerald Coast

35008 Emerald Coast Parkway Ste. 401, Destin, FL, 32541

LeeAnn that comes, takes very good care of me. She helps me with my bath and will do anything I ask her too. I like them very well. They are very polite and on time.
LeeAnn that comes, takes very good care of me. She helps me with my bath and will do anything I ask her too. I like them very well. They are very polite and on time.

2017

Better Healthcare

14201 W Sunrise Blvd, Sunrise, FL, 33323

Better Healthcare, and Marissa in particular literally saved my and my husband’s life. We moved to Florida late October 2021 and met with Marissa to get help for my husband Jeff whose Parkinson’s Dise … (read more)
Better Healthcare, and Marissa in particular literally saved my and my husband’s life. We moved to Florida late October 2021 and met with Marissa to get help for my husband Jeff whose Parkinson’s Dise … (read more)

Visiting You Senior HomeCare

11 Racetrack Rd NE, Fort Walton Beach, FL, 32547

Great company and personalized service.
Great company and personalized service.

Synergy HomeCare Emerald Coast, Florida

495 Grand Blvd. , Miramar Beach, FL, 32550

We had Synergy through the VA in Pensacola. Our experience was a terrible one and that is because of the woman in charge named Betty. She is the coordinator or the person in charge but she is probabl … (read more)
We had Synergy through the VA in Pensacola. Our experience was a terrible one and that is because of the woman in charge named Betty. She is the coordinator or the person in charge but she is probabl … (read more)

Interim HealthCare of Fort Walton Beach, FL

339 Racetrack Rd., Suite 16, Fort Walton Beach, FL, 32547



SYNERGY HomeCare of Pensacola

1 South A Street, Suite 103, Pensacola, FL, 32502


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.  

$4481

Destin

$4195

Florida

$4481

United States

$4277

Pensacola

$4624

Panama City

$3623

Miami

$4385

Jacksonville

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.

$4481

Home Care

$4481

Home Health Care

$

Adult Day Health

$4375

Assisted Living

$7908

Nursing Home Care (semi-private room)

Note: 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.

Resource

Contact

Service

(866) 531-8011

SHINE 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. 

(850) 414-2374

The 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. 

(800) 963-5337

EHEAP 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. 

(850) 245-7105

The 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.

Checklist for determining the need for in-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 types of services can a home care agency in Destin provide?


Home care agencies in Destin can provide a great variety of services to seniors, depending on their unique needs. Agencies can provide services such as light housekeeping, meal preparation and transportation, as well as home health care services such as hospice support, physical therapy and dementia care.


How many home care agencies are there near Destin?


There are nine home care agencies that serve the Destin area. There are also more agencies in Okaloosa County, including in Ocean City and Fort Walton Beach. The agencies provide options at a variety of price points and at various locations in the city. 


How do you pay for senior care at home?


There are several methods to pay for senior care at home based on the income and financial situation of the individual. Most senior care at home is paid for privately, but some agencies also accept Medicare, Medicaid and other health insurance. 


What is a nonmedical home care service?


A non-medical home care service is assistance at home with tasks that are not medical-related. These tasks can be carried out by a personal assistant rather than a medical professional and include tasks such as light housekeeping, meal preparation and transportation. 


Who is eligible for the veterans home care program?


The veterans home care program is available to veterans who meet a number of requirements. Requirements include serving on active duty for at least 90 days, serving for at least one day during a period of war and receiving an honorable discharge. Veterans must also meet the income and financial requirements set by the VA.