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

Haines City is home to just over 26,000 residents, and seniors aged 65 and older make up about 13.8% of the city’s population, many of whom opt to continue living in their own home with the help of a home care provider. The 2020 Genworth Cost of Care Survey shows that the average monthly rate for home care services in Haines City is $3,956, which is below Florida’s statewide average of $4,195.

Below we’ve compiled a comprehensive directory of every home care provider in the Haines City 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.

According to the Genworth 2020 Cost of Care Survey, home care in Haines City costs an average of $3,956 per month, which is under the Florida-wide average of $4,195 and the national average of $4,481. In nearby Orlando, home care costs slightly less at $3,813 per month. Seniors in neighboring Sebring pay an average of $4,099 per month for home care, while the same type of care costs about $4,195 per month in Tampa.

At an average monthly rate of $3,956, Haines City’s home care rates are comparable to the area’s average assisted living rate of $3,945. Adult day health services cost an average of $1,083 per month, while a semiprivate room in a skilled nursing facility costs around $8,638 per month.

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.