The 10 Best Home Care Agencies for Seniors in Winter Garden, FL for 2024

Ranked as one of the nation’s top retirement destinations in Caring’s 2019 Senior Living report, Winter Garden, Florida, is ideal for sun-loving seniors seeking a vibrant, affordable location that offers a mix of small-town charm and big-city amenities. Genworth’s 2020 Cost of Care Survey shows that seniors in Winter Garden pay an average of $3,813 per month for home care services, a type of nonmedical in-home care that includes assistance with personal care, housekeeping and errands. Comprehensive hospital services, including emergency, cardiac, lab and imaging services, are available at AdventHealth Winter Garden, ranked by U.S. News and World Report as the #1 hospital in the Greater Orlando area.  

Below we’ve compiled a comprehensive directory of every home care provider in the Winter Garden 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.

According to the Genworth 2020 Cost of Care Survey, home care in Winter Garden costs an average of $3,813 per month, which is lower than the statewide average of $4,195 and the national median of $4,481. Winter Garden has some of the lowest home care rates in the state. The only nearby city with similar rates is Lakeland, where seniors pay $3,956 per month. Seniors in The Villages pay slightly more than their counterparts in Winter Garden at $4,124 per month, and monthly costs in Palm Bay are on par with the national average at $4,385. 

Home care is one of the many long-term care services available in Winter Garden and costs an average of $3,813 per month. Home health care, which includes some limited in-home medical care delivered by licensed nurses and therapists, also costs $3,813 per month. Adult day health is the lowest-priced senior care service at $1,408, while residential care rates range from $3,700 for assisted living up to $9,125 for a semiprivate room in a nursing home. 

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.