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

Plant City, FL, ranks on Caring’s 2024 Senior Living Report for its sunny, warm climate, its cultural amenities and the high quality of life it supports. It promotes seniors’ safety and convenience with a high percentage of homes with zero-step entry, and it ranks 18th in the state for its access to health care. South Florida Baptist Hospital is located in the city proper, and there are over three dozen home care agencies that provide nonmedical services to older adults who live alone. On average, home care agencies in Plant City charge $4,767 per month for services. This is a little lower than the cost of home health care, which includes skilled nursing services, along with nonmedical custodial care.

Below we've compiled a comprehensive directory of every home care provider in the Plant 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.

Home Care Agencies in Plant City, FL

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Paying for Home Care in Plant City, FL

The Cost of Home Care in Plant City, FL

According to the Genworth 2021 Cost of Care Survey, home care clients in Plant City pay approximately $4,767 per month for nonmedical care. This is equal to Florida’s norm and about $200 below the national average. Seniors in nearby cities, such as Lakeland and Homosassa Springs, pay less for full-time care, with respective monthly rates in these communities coming in at $4,576 and $4,273. However, local care costs are economical compared to rates in Cape Coral, where agencies charge $5,196 for services, and The Villages, where home care costs average $5,720.

Plant City

$4,767

Florida

$4,767

United States

$4,957

Lakeland

$4,576

The Villages

$5,720

Cape Coral

$5,196

Hommosassa Springs

$4,273

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

Seniors in Plant City pay $4,767 per month for nonmedical in-home care. This is about $100 less than the cost of home health care, which includes skilled nursing services, and it’s well below the cost of nursing home care, which averages $8,927 per month. Assisted living rates come in at $3,350, offering significant monthly savings for some seniors, and adult day health care is available for about half the cost of private home care at $2,123.

Home Care

$4,767

Home Health Care

$4,862

Adult Day Health Care

$2,123

Assisted Living

$3,350

Nursing Home Facility (semiprivate room)

$8,927

Note: Data for Plant City was unavailable, so data for the nearest city, Tampa, was used instead.

Financial Assistance for Home Care in Plant City, 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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Frequently Asked Questions

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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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