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

Sun City Center in Florida is a well-known, active community of seniors. With a population of 30,000, over 69% are senior citizens, but the whole city is a 17-mile, age 55+ community. Just south of Tampa, Sun City Center is perfect for older adults who enjoy warmer temperatures and desire close proximity to the beach. Because of its large senior citizen population, the city caters its activities and programming to the 65 and older crowd. Data for this community was not available, but due to its proximity to the North Port Area, it shares an estimated cost of $5,720 for in-home care. While in-home care does not offer medical services, there are several medical facilities available within Sun City Center. One of these is Sun City Center, which offers specialty cardiac care.

Below we’ve compiled a comprehensive directory of every home care provider in Sun City Center– 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.

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Home Care Agencies in Sun City Center, FL

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Paying for Home Care in Sun City Center, FL

The Cost of Home Care in Sun City Center, FL

The Tampa area shares the same average of Florida for in-home care, according to Genworth Financial’s 2021 Cost of Care Survey , which is about $1,000 less than home care in Sun City Center. The national average is also lower by about $800. Costs for care increase to the south, but decrease for seniors who are further inland. 

Sun City Center

$5,720

Florida

$4,757

United States

$4,957

Tampa

$4,767

Cape Coral

$5,196

Naples

$5,720

Lakeland

$4,576

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

Sun City Center is a unique community in that there are many options available to senior citizens for care, as it has such a large senior population. Assisted living facilities are abundant in the community, and it would be about $1,500 less per month. Adult day care services are also less costly, averaging about $3,500 less per month. If more medical care is needed, skilled nursing facilities are another good option — however, they are the most expensive alternative by far. 

Home Care

$5,720

Home Health Care

$5,720

Adult Day Health Care

$2,080

Assisted Living Facility

$4,145

Nursing Home Facility (semiprivate room)

$9,490

Note: Data for Sun City Center was unavailable, so data for the nearest city, North Port Area, was used instead.

Financial Assistance for Home Care in Sun City Center, 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.

Sun City Center 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 Sun City Center:

ResourceContactAddressService
Home Care for the Elderly Program(850) 414-20004040 Esplanade Way, Tallahassee, FL 32399-7000The Home Care for the Elderly Program provides basic financial subsidies to help seniors in private shared housing arrangements stay afloat. The basic subsidy is $160 per month, but participants may apply for special subsidies to pay for their medication, assistive devices and other similar needs. Florida residents age 60 and over are eligible for this program; over 150,000 checks are sent out each year. 
Emergency Home Energy Assistance for the Elderly Program(800) 963-5337Tampa Service Center, 9393 North Florida Avenue, Tampa, FL 33612This program works to rescue older Florida residents from dangers caused by heating or cooling emergencies in their households. Beneficiaries of the EHEAP program may receive up to $1,000 per season; heating season is defined as October through March, and cooling season is defined as April through September. Benefits may be used to pay vendors directly or to replace broken HVAC equipment. A household must have at least one member 60 years of age or older living in it to apply; income limits apply as well. 
Bureau of Elder Rights(850) 414-20004040 Esplanade Way, Tallahassee, FL 32399-7000This state agency’s portfolio includes an Alzheimer’s Disease Initiative that helps primary caregivers through respite care and support groups, an elder abuse prevention program that works to combat neglect and various types of exploitation and a long-term care ombudsman program that advocates for the rights and safety of seniors in such care arrangements. Its Florida Abuse Hotline (1-800-962-2873) helps seniors and concerned third parties quickly report any suspected cases of elder abuse.

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
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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

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