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The 10 Best Home Care Agencies for Seniors in Kaneohe, HI 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 Kaneohe, HI, residents and their loved ones rate In Home Care agencies across the 10 options below.

Home Care Agencies in Kaneohe, HI

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Paying for Home Care in Kaneohe, HI

The Cost of Home Care in Kaneohe, HI

According to the 2021 Genworth Cost of Care Survey, home care in Kaneohe costs an estimated $5,720 per month. The average cost across the state is also $5,720 per month, while the national average cost is $763 less. In nearby Kahului, the cost is around $5,291 per month, which is less than in Kaneohe. Inland, home care fees in Los Angeles are more at $5,911 per month, and fees in San Diego are also more at $6,387.

Kaneohe

$5,720

Hawaii

$5,720

United States

$4,957

Kahului

$5,291

Los Angeles, CA

$5,911

San Diego, CA

$6,387

The Cost of Home Care vs. Other Senior Care Options in Kaneohe, HI

Home care and home health care are both $5,720 per month in Kaneohe, even though home health care also provides medical services. Adult day health care is the least expensive option at $1,625 per month. Assisted living facilities cost slightly less than home care in Kaneohe at $5,375 per month, while a semiprivate room in a nursing home is the costliest option, at close to $7,000 more than home care in Kaneohe.

Home Care

$5,720

Home Health Care

$5,720

Adult Day Health Care

$1,625

Assisted Living Facility

$5,375

Nursing Home Care (semiprivate room)

$12,471

Note: Data for Kaneohe was unavailable, so data for the nearest city, Honolulu, was used instead.

Financial Assistance for Home Care in Kaneohe, HI

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 Kaneohe, HI

Seniors who choose to retire in their homes can get help with some basic needs through several free and low-cost programs. These programs can help ease the burden of homeownership and address the health and nutrition needs of those who are homebound.

ResourceContactService
Honolulu Habitat for Humanity(808) 777-4138The Honolulu Habitat for Humanity helps seniors bring their homes up to code. Seniors must meet income requirements and use the property as their primary residence. The project helps with window and door replacements, ramp installation and step replacement. It also assists with roof, flooring, electrical and plumbing repairs.
Honolulu Weatherization Assistance Program(808) 521-4531The Honolulu Weatherization Assistance Program provides home repairs to make houses more energy efficient. Volunteers replace doors and windows, install caulking and insulation, replace old or broken appliances and install hot water heater jackets.
Low-Income Home Energy Assistance Program (LIHEAP)(855) 643-1643LIHEAP helps seniors pay home energy bills when faced with a disconnection notice or when electricity has already been disconnected. Payments are made directly to the utility company, and seniors may apply for assistance once per year.
Hawaii Meals on Wheels(808) 988-6747Hawaii Meals on Wheels delivers hot meals to seniors and individuals with disabilities daily. Meals can be adjusted to meet special dietary restrictions. Along with delivered meals, there are also congregate meal sites at local senior centers.
Hawaii Homeowners Exemption(808) 587-4242Hawaii offers a basic homestead exemption of $48,000 to adults aged 60 and older. Seniors must own and occupy the property as the principal residence, and only one application is needed as long as the property remains in the senior's name.

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

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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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