The 10 Best In-Home Care Services in Caldwell, ID for 2023
Caldwell is a small city in western Idaho. Thanks to its modest cost of living, excellent health care facilities and tax-friendly laws for retirees, Caldwell is a great choice for retirement. The city has several high-quality health care facilities, including West Valley Medical Center and St Luke’s Nampa Medical Center. Caldwell has a lower-than-average percentage of seniors. Just 9.8% of the residents of Caldwell, Idaho, are aged 65 and over, making it a young and vibrant city. According to the 2021 Genworth Cost of Care Survey, seniors pay an average of $5,720 for home care services, which is slightly higher than the state average. Home care services include assistance with personal care and errands whereas home health care includes medical assistance.
Below we’ve compiled a comprehensive directory of every home care provider in the Caldwell 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.
Directory of Home Care Services in Caldwell, ID
Home Helpers – Boise, ID
Premier Home Care
Home Instead – Meridian, ID
Senior Helpers
Visiting Angels Living Asstance – Meridian, ID
Family Resource Home Care – Boise, ID
Homewatch CareGivers of Boise
A & A About Home Care, Inc.
Assisting Hands Home Care – Boise
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Paying for Home Care in Caldwell, ID
The Cost of Home Care in Caldwell, ID
According to the Genworth FInancial’s 2021 Cost of Care Survey, home care costs in Caldwell are around $286 higher than the state average per month and $763 higher than the national average. Caldwell is the most expensive city for in-home care in the state along with Idaho Falls where seniors pay around $5,720 per month. The most affordable city is Lewiston where the average price of care is $4,576 per month. Twin Falls also has relatively affordable in-home care at $4,767 per month; however in Pocatello, seniors typically pay around $5,339.
The Cost of Home Care vs. Other Senior Care Options in Caldwell, Idaho
Seniors in Caldwell have access to a variety of different long-term care options. The most affordable type of care is adult day health care, which costs $2,167 per month. Both home care, which includes personal care and errands, and home health care, which includes medical assistance, cost around $5,720 per month. For seniors who prefer to live in a community, assisted living costs around $3,586 per month. The highest level of care available is nursing home care where a semiprivate room typically costs around $8,608 per month.
Note: Data for Caldwell was unavailable, so data for the nearest city, Boise, was used instead.
Financial Assistance for Home Care in Caldwell, ID
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 Caldwell, ID
Seniors in Caldwell can take advantage of a variety of services to help them age in place. There are local and national agencies that provide transportation, meal programs, utility bill assistance and other services. Seniors and their families can find out more by contacting the agencies below.
Resource
Contact
Service
(208) 746-3351
The Idaho Weatherization Assistance Program is a federally funded program that aims to provide home improvements to low-income individuals to increase energy efficiency. To be eligible for the program, applicants must be a resident of Idaho. Preference is given to seniors aged 60 and over and families with one or more persons who is disabled. Applicants must also meet income guidelines; income must not exceed $27,180 per year for a one-person household. Some of the services available include air sealing, installation of energy-efficient windows, roof replacement and cooling system repairs.
(208) 454-8142
Meals on Wheels is a nonprofit organization that delivers hot meals to housebound seniors. To be eligible, applicants must be age 60 or older, be housebound and have difficulty preparing meals. There's a suggested donation of $4 per meal. The meals are delivered to the participants' homes by a friendly volunteer, and someone must be home to receive it. Meals are all nutritious and form part of a balanced and healthy diet.
(208) 375-7382
The LIHEAP program assists low-income households with paying their energy bills. It offers funding to help make heating more affordable and to avoid the disconnection of utility services during the winter. Forms of assistance include financial assistance towards a heating bill and emergency assistance for households that have had their energy services shut off. The program is only available to provide energy during the cold winter months.
(208) 459-0132
The Caldwell Senior Center is a nonprofit organization that provides a safe and positive environment for seniors to thrive. It offers a variety of activities, educational services, meals and socialization. Meals are served Monday through Friday at noon and all ages are welcome. Some of the activities available include bingo, square dancing and crochet.
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 – oftentimes 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.
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.
Frequently Asked Questions
What is the average cost for in-home elderly care in Caldwell?
The average cost for in-home elderly care in Caldwell is $5,720 per month. This cost can vary depending on how much or little assistance you need and the level of care provided. Caldwell is one of the most expensive cities for home care in Idaho, and other areas of Idaho have more affordable options.
What’s the difference between in-home care and home health care?
In-home care consists of personal care services, such as grooming and bathing, as well as errands, grocery shopping, cooking and cleaning. Home health care, on the other hand, provides medical services, such as physical therapy, medication monitoring and skilled rehabilitation. These services are carried out by medical professionals, including registered nurses and physical therapists.
How do you pay for senior care at home?
There are various ways to pay for in-home care depending on the individual circumstances of each senior. Home care agencies accept private clients, but many seniors qualify for some financial assistance. Assistance can be obtained through Medicaid waivers, and Medicare may cover some medically required services but not all of the care.
Assisted living homes vs. home care: how to decide?
The decision to choose assisted living or home care depends on the needs and financial situation of each senior. In Caldwell, assisted living is around $2,000 cheaper per month compared to home care, making it a more affordable option. Seniors who largely feel comfortable being independent at home but require assistance with some personal care tasks and errands may be comfortable with home care. However, for seniors and families who would like the reassurance of having a member of staff available 24/7, an assisted living community may be the best option.
What is a nonmedical home care service?
Nonmedical home care services include personal care services and errands. Personal care covers daily needs like grooming, bathing and dressing. Additionally, errands, such as grocery shopping, preparing meals and laundry, can be provided by most home care agencies.