Caring.com
Caring.com

(800) 558-0653

The 10 Best Home Care Agencies for Seniors in Fort Walton Beach, FL for 2024

Last Updated: June 5, 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 Fort Walton Beach, FL, residents and their loved ones rate In Home Care agencies across the 10 options below.

Home Care Services in Fort Walton Beach, Florida

10 Results

Filters

10 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

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

On this page:

Paying for Home Care in Fort Walton Beach, FL

The Cost of Home Care in Fort Walton Beach, FL

Genworth Financial’s 2020 Cost of Care Survey shows that, on average, home care in Fort Walton Beach costs $4,481 per month. This matches the nationwide median, and is $286 above Florida’s statewide average. Home care rates in Florida vary widely depending on the location. Seniors in nearby Panama City pay around $4,624 per month, while in the state capital, Tallahassee, rates are lower at $4,124. In neighboring Pensacola, in-home care costs an average of $4,277 per month, while in Orlando, rates run around $3,813.   

Fort Walton Beach

$4,481

Florida

$4,195

United States

$4,481

Panama City

$4,624

Tallahassee

$4,124

Pensacola

$4,277

Orlando

$3,813

The Cost of Home Care vs. Other Senior Care Options in Fort Walton Beach, FL

In Fort Walton Beach, home care and home health care services share an average cost of $4,481, while assisted living costs slightly less at $4,375 per month. Nursing home care is the most expensive option, with rates for a semiprivate room running around $7,908 per month. Local adult day health care cost data isn’t available, however, the statewide average of $1,408 per month indicates it’s likely the lowest-priced option.  

Home Care

$4,481

Home Health Care

$4,481

Assisted Living

$4,375

Nursing Home Care (semi-private room)

$7,908

Note: Data for Fort Walton Beach was unavailable, so data for the nearest city, Crestview, was used instead.  

Financial Assistance for Home Care in Fort Walton Beach, 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 Fort Walton Beach, FL

Fort Walton Beach seniors who plan to spend their retirement years in their own homes can get help from a number of free and low-cost community-based programs. These include Meals on Wheels, barrier-free, on-demand transportation and assistance for veterans.

ResourceContactService
Dial-A-Ride(850) 833-9168Emerald Coast Rider is the regional public transit service in Fort Walton Beach and Okaloosa County. Dial-A-Ride is EC Rider's on-demand, shared-ride paratransit service for those who are unable to use the regular fixed-route bus service due to disability. Seniors in Fort Walton Beach can use Dial-A-Ride to travel to and from the seniors' center, run errands and travel to nonurgent medical appointments.
Meals on Wheels of Okaloosa County(850) 833-9165Operated by Elder Services of Okaloosa County, Meals on Wheels is a low-cost prepared meal delivery service for housebound seniors aged 60 and older. Hot noontime meals are delivered by volunteer drivers each weekday, and each meal costs $5.50, while additional, frozen meals cost $6 each. In addition to dropping off daily meals, Meals on Wheels volunteers perform a brief wellness check on clients, and can refer seniors to additional services as needed.
Fort Walton Beach Senior Center(850) 833-9587 Open Monday through Friday from 8 a.m. to 4 p.m., the Fort Walton Beach Senior Center offers a range of free and low-cost social and recreational programs for seniors aged 60 and older. Programming includes daily fitness classes, shuffleboard tournaments, arts and crafts shows, and monthly pot-luck luncheons.
Okaloosa County Veteran Services(850) 651-7258 Okaloosa County Veteran Services helps Fort Walton Beach veterans and their dependents secure their maximum entitlements through county, state and federal programs. Veteran service officers can help vets apply for VA Aid and Attendance and Housebound, two enhanced VA pension programs that provide monthly benefits seniors can put toward their home care costs. Staff from Veteran Services can also arrange transportation to nearby VA medical clinics and centers, help vets secure their Veterans ID Card, and make arrangements for internment through the VA.

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 in-home care
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.

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

In Home Care near Fort Walton Beach, FL

Mary EstherShalimarEglin AfbHurlburt FieldDestinValparaiso

Other Options in Fort Walton Beach, FL

Business Owners

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.