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The 10 Best Home Care Agencies for Seniors in Lakeland, 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 Lakeland, FL, residents and their loved ones rate In Home Care agencies 4.66 out of 5 stars across the 40 options below.

Home Care Agencies in Lakeland, FL

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Paying for Home Care in Lakeland, FL

The Cost of Home Care in Lakeland, FL

The average monthly cost of home care in Lakeland is $4,576, which is around $200 lower than the average in Florida and nearly $400 lower than the national average. Nearby, in Orlando, the cost of care is equal to the Florida average. Miami is more affordable, costing $381 less per month than Lakeland. In the north of the state, Jacksonville home care is around $100 less expensive than in Lakeland, and in Pensacola, care costs the same as the Florida average. 

Lakeland

$4,576

Florida

$4,767

The United States

$4,957

Orlando

$4,767

Miami

$4,195

Jacksonville

$4,481

Pensacola

$4,767

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

In Lakeland, the average cost of home care, which includes personal care, is around $4,576 per month, whereas home health care, which includes light medical services, costs around $100 less. For seniors who prefer to live in a community, assisted living is more affordable than home care at  $1,276 less per month on average. Nursing homes offer 24/7 skilled nursing and are typically the most expensive option, costing $4,169 more than home care.

Home Care

$4,576

Home Health Care

$4,481

Assisted Living

$3,300

Nursing Home Care (semiprivate room)

$8,745

Financial Assistance for Home Care in Lakeland, 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.

Lakeland Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Lakeland:

ResourceContactAddressService
Lakeland Activity Center for Seniors(863) 687-29881510 Commercial Park Drive, Lakeland, FL 33801The Lakeland Activity Center for Seniors, which is managed by Catholic Charities of Central Florida, offers programs that promote companionship and well-being for senior residents of the city. The Center’s courses and activities include arts and crafts classes, musical events, computer literacy, health information presentations and card game nights. The Center is open to seniors 60 and older and offers weekday social lunches for members.
SHINE (Serving Health Insurance Needs of the Elderly)(800) 336-22268928 Brittany Way, Tampa, FL 33619SHINE, which is a part of the Florida Department of Elder Affairs, helps seniors navigate Florida’s myriad health insurance options and government benefits programs. The organization offers unbiased advice on applying for and managing the details of state health insurance, Medicare, Medicaid and other programs for services such as prescription assistance. All counseling sessions are free of charge and can be arranged through local SHINE affiliates. One location is the Lakeland Activity Center for Seniors.
Meals on Wheels of Polk County(863) 299-1616620 6th St. NW, Winter Haven, Fl 33881Meals on Wheels of Polk County is a nonprofit corporation that’s supported by donations and sponsorships from dozens of religious organizations, civic groups, individual volunteers and businesses. It offers daily nutritionally balanced meal service from Monday to Friday to homebound seniors in Polk County. A suggested donation of $4.50 is requested, but the service delivers meals for free or at lower cost to many of its members and doesn’t deny service based on inability to pay.
Florida Weatherization Assistance Program(813) 626-49265508 North 50th Street, Tampa, FL 33610The Florida Weatherization Assistance Program is managed according to federal guidelines by the state Department of Economic Opportunity. This free service seals homes against weather extremes based on local climate conditions. It’s available for rented or owned properties to low-income residents of the state, with preference given to seniors and households with families. Elderly residents of Polk County and Lakeland can apply for weatherization through the Tampa Hillsborough Action Plan, Inc.

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
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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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