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

Last Updated: June 5, 2024 - Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Zephyrhills, FL, residents and their loved ones rate In Home Care agencies 4.8 out of 5 stars across the 28 options below.

Home Care Services in Zephyrhills, Florida

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Paying for Home Care in Zephyrhills, FL

The Cost of Home Care in Zephyrhills, FL

According to Genworth’s 2021 Cost of Care Survey, Zephyrhills shares Florida’s median monthly home care fee of $4,767, which is more affordable than the national average of $4,957, so seniors relocating to the city from other states may find it cost-effective, depending on their state of origin. The city is also less costly than some nearby cities, such as North Port, where the average is $5,720. However, there are notable exceptions, such as nearby Lakeland, where the median fee is lower, at $4,576, and further north in Homosassa Springs, where it’s $4,273, saving almost $500 per month.

Zephyrhills

$4,767

Florida

$4,767

United States

$4,957

Lakeland

$4,576

North Port

$5,720

Homosassa Springs

$4,273

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

Zephyrhills’ average senior receiving home care services pays $4,767 per month for assistance with activities of daily living. Those requiring medical care from licensed nurses and therapists pay an additional $95. Home care is less costly than nursing home care by about $4,160 per month, but the latter is a medical service, so they can’t be directly compared. Assisted living and adult day care are relatively similar, the former saving seniors about $1,417, and the latter, $2,644.

Home Care

$4,767

Home Health Care

$4,862

Adult Day Health Care

$2,123

Assisted Living Facility

$3,350

Nursing Home Care (semiprivate room)

$8,927

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

Financial Assistance for Home Care in Zephyrhills, 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.

Free & Low-Cost Home Care Resources in Zephyrhills, FL

Although aging in place is often the preferred option, this doesn’t mean seniors aren’t concerned about how they’ll handle some issues, such as making their homes safe and paying the bills. Fortunately, they don’t need to face these struggles alone because there are many nonprofit organizations dedicated to helping older citizens age safely and comfortably at home. 

ResourceContactService
Weatherization Assistance Program(352) 796-1427The weatherization program makes homes more energy-efficient for Pasco County homeowners whose incomes are no greater than 200% of the Federal Poverty Guidelines. A home audit determines the services provided, which could include replacing refrigerators and HVAC equipment, weatherstripping and installing solar window screens.
Low-Income Home Energy Assistance Program (LIHEAP)(352) 567-0533Zephyrhills residents with incomes at or below 150% of the Federal Poverty Guidelines may be eligible for LIHEAP. It will pay one energy bill every 12 months. It will also pay one crisis payment for winter and another for summer if the senior's energy supplier threatens to disconnect their supply.
Home Rehabilitation Program (727) 834-3447Homeowners with incomes below 120% of the area median income can apply for a 0% interest loan to cover vital home repairs. The applicant must occupy the home and have resided there for at least two years. The loan is repaid when the applicant passes or sells the home.
Meals on Wheels of Pasco County(813) 782-7859Meals on Wheels delivers freshly prepared meals to homebound and elderly Pasco County residents. Each meal consists of an entrée, two sides, soup or salad, bread and a dessert. Menus can be adapted for diabetics and some allergies. Meals are free, but donations are welcome and food for pets is available.
Bay Area Legal Services(888) 895-7873Bay Area Legal Services is a nonprofit law firm with extensive experience helping seniors in civil law matters. Its attorneys practice many areas of law, including bankruptcy, elder abuse and issues related to the home, such as evictions. The firm's services are free to eligible seniors.

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.

Download
Checklist for determining the need for home care
Checklist for determining the need for 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

Frequently Asked Questions

Reviews of Communities Nearby

Home Care

Robert

I am a current client of this provider

Review of Home Instead - Wesley Chapel, FL

Home Instead does everything we ask. They come in and check on my sister, bathe her, fix/shampoo her hair, help her get dressed, and keep company with her during the day. They are usually here...

Read more

Home Care

eddie0912

I am a current client of this provider

Review of Home Instead - Wesley Chapel, FL

I have to say Homeinstead is a great company. My mother had been with them for a while and is very hard to please. Yet a couple months ago her new caregiver came in and made her light up. My mother...

Read more

Home Care

Philip

I am a current client of this provider

Review of Home Instead - Wesley Chapel, FL

Happy with caregiver, Jennifer. Very happy with Home Instead. Only 4 stars because if we give 5 we would have nothing to work towards.

Read more

In Home Care near Zephyrhills, FL

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Other Options in Zephyrhills, FL

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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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