14 Home Care Services for Seniors Serving Pensacola, FL
Ranked as one of the top cities for retirement in Caring’s 2022 Senior Living Report, Pensacola, Florida, is a great spot for seniors in search of an affordable city where they can enjoy a vibrant retirement lifestyle. The community has beautiful beaches and a vibrant downtown with art galleries, restaurants and cultural venues. The area is also home to numerous health care facilities, including Ascension Sacred Heart Pensacola, HCA Florida West Hospital and Baptist Health Care. According to the Genworth 2021 Cost of Care Survey, seniors in the Pensacola area typically pay about $4,767 per month for home care services. These costs are the same for both home care and home health care, even though the latter includes skilled nursing services in addition to household assistance.
Below we’ve compiled a comprehensive directory of every home care provider in Pensacola– 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 Pensacola, FL
4455 Bayou Blvd, Ste B, Pensacola, FL, 32503
817 N Palafox St, Pensacola, FL, 32501
1149 Creighton Rd #5, Pensacola, FL, 32504
35008 Emerald Coast Parkway Ste. 401, Destin, FL, 32541
401 N 77th Ave , Pensacola, FL, 32506
25 East Wright St., Ste. 2512, Pensacola, FL, 32501
1850 Lee Rd #134, Winter Park, FL, 32789
6160 N. Davis Hwy. Unit 9B, Pensacola, FL, 32504
1331 Creighton Rd, Suite A, Pensacola, FL, 32504
7100 Plantation Rd., Suite 8, Pensacola, FL, 32504
1 South A Street, Suite 103, Pensacola, FL, 32502
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Paying for Home Care in Pensacola, FL
The Cost of Home Care in Pensacola, FL
Home care in Pensacola costs an average of $4,767 per month, which puts it right on par with the Florida state average. This means that seniors pay almost $200 less per month in Pensacola than they would in the average American city. It’s also quite affordable compared to nearby cities such as Crestview, where monthly rates are also about $200 higher. Tallahassee is also slightly more expensive. Home care in Panama City costs the same as Pensacola, while further south in Gainesville, rates are a little less expensive at $4,481 per month.
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The Cost of Home Care vs. Other Senior Care Options in Pensacola, FL
There are several other care options for seniors and families in Pensacola to consider. The most affordable is adult day health care. While it only includes part-time services, it costs roughly $3,300 less than home care. Assisted living is nearly $450 less per month and a good option for seniors who would benefit from living in a social setting. Although home health care includes skilled nursing services in addition to basic household assistance, rates are the same as home care. With rates starting at $8,760 for semiprivate rooms, nursing home care is the most expensive option.
Home Health Care
Adult Day Health Care
Nursing Home Care (semiprivate room)
Financial Assistance for Home Care in Pensacola, 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.
Pensacola 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 Pensacola:
Address: 5090 Commerce Park Circle, Pensacola, FL 32505
Phone Number: (850) 494-7101
The Northwest Florida Agency on Aging works in conjunction with the Department of Elder Affairs of the state of Florida and serves several counties in the Florida panhandle. Its programs include monthly home care subsidies for lower income elderly individuals, support for special needs individuals suffering from Alzheimer’s or memory and movement related illnesses and coordination of support services federally funded by the Older Americans Act’s Title III-B and Title III-C provisions. These federal services include home care assistance and meal deliveries to seniors 60 or older. The NWFLAAA also offers adult day care, nutrition education, disease information, gerontological counseling, emergency response systems and abuse assistance for the elderly.
Address: 701 S. J St., Pensacola, FL 32502
Phone Number: (850) 432-2336
Northwest Florida Legal Services, Inc is a non-profit Florida corporation founded in 1978 with the purpose of offering qualified civil legal assistance to low income residents, spousal abuse victims and elderly individuals who reside in Pensacola, Escambia County and Santa Rosa County. Priority assistance is given to victims of domestic abuse and elderly individuals. The ECLA / NWLS specializes in legal options involving domestic violence, family law, elder law, property disputes and foreclosure assistance. It offers services to seniors that include but aren’t limited to: drafting wills, resolving property claims, fighting cases of elderly exploitation and legal estate planning.
Address: 875 Royce St., Pensacola, FL 32503
Phone Number: (850) 432-1475
Founded in 1972, the Council on Aging of West Florida is a local nonprofit that assists seniors and families living in Pensacola and surrounding areas. It offers programs and services that are aimed at allowing seniors to stay healthy, independent and engaged with their community for as long as possible. Services delivered by the Council on Aging include Meals on Wheels , Alzheimer’s respite care through their adult day care center and case management. The organization also manages a Foster Grandparent program as well as a Senior Companion program for men and women who are 55 or older and wish to assist others.
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 – often times 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.
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.