The 10 Best Home Care Agencies for Seniors in Savannah, GA for 2025

In Savannah, the monthly cost of home care is $4,767, according to Genworth Financial’s 2021 Cost of Care Survey. This is $477 more than Georgia’s monthly rate of $4,290, but significantly less than the national rate of $4,957 per month. Savannah’s home care costs are more expensive than in other nearby cities. Further south along the coast, Brunswick’s home care rates are $286 less at $4,481 per month.  Northwest of Savannah, home care in the Augusta area costs $4,528 per month, $239 less. The Macon area is least expensive at $3,813 per month, $954 less than in Savannah.

Several long-term care options are available to Savannah’s seniors. Home care and home health care cost $4,767 per month. Home health care supports seniors who need medical support from registered nurses or physical therapists. Adult day health care is usually less expensive, however, data for Savannah is unavailable. Assisted living costs $3,513 monthly, about $1,200 less than home care. Most expensive are nursing homes at $7,604 per month.

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.