The Best Home Care Agencies for Seniors in Nampa, ID for 2025

Nampa’s average monthly price for home care is roughly 14% higher than the national average price of $4,957 and 5% higher than the Idaho average of $5,434. Coeur d’Alene, a city in the upper north of the state, reports Idaho’s highest prices for home care, while Lewiston is just two hours to the south but reports the state’s lowest prices for home care. Seniors in Twin Falls also see below-average prices. Idaho Falls’ prices are in line with Nampa’s. 

Home health care, which includes light medical assistance, is the same price as home care in Nampa, but the average price of assisted living is thousands of dollars cheaper. Adult day care is even less expensive, although it’s inadequate for seniors who need round-the-clock support. Seniors living with advanced medical issues may find nursing home care provides the best coverage. However, a semiprivate room in a nursing home is nearly $2,900 more expensive per month than home care.

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.