The 10 Best Home Care Agencies for Seniors in The Villages, FL for 2025

Seniors living in The Villages typically pay $5,720 per month for home care according to the Genworth 2021 Cost of Care Survey. This rate is nearly $1,000 higher than the state median and more than $760 higher than the national average. It’s also more expensive than many nearby Florida cities. Rates in Orlando are on par with the state average of $4,767. Tampa and Lakeland are even less expensive, with average costs of $4,676 and $4,576, respectively. The region’s most affordable rates can be found in Homosassa Springs, where home care is over $1,400 cheaper at $4,273 per month.

There are several other care options available to seniors in The Villages, the most affordable of which is adult day health care. For $1,733 per month, seniors receive part-time assistance and supervision during the day. Assisted living, which is provided at senior living communities, is around $500 less expensive than both the nonmedical services of home care and light medical services of home health care. Nursing homes offer a comprehensive level of care that is also the most expensive, with rates starting at $8,669 for semiprivate accommodations.

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.