More than 16% of Illinois’ population is aged 65 and older. With a low cost of living and tax exemptions for 401(k)s, IRAs and pension incomes, Illinois is one state where budget-conscious seniors choose to retire. Seniors will also find savings on groceries, health care, housing and utilities when comparing costs with other cities across the country. Illinois is also home to several nationally recognized hospitals, including the Northwestern Memorial Hospital and Rush University Medical Center, both located in Chicago.

Seniors who need assistance with daily tasks and prefer to remain in their homes for as long as possible have several options for long-term care. In-home care offers nonclinical assistance, such as meal prep, companionship, grooming, bathing and housekeeping. Home health care provides skilled nursing and professional medical assistance. As of 2021, the cost of in-home care and home health care in Illinois is $5,339 per month.

This guide contains a brief overview of the cost of in-home care and other types of long-term care in Illinois. It also includes a list of resources for seniors and details about financial assistance.

The Cost of In-Home Care in Illinois

In Illinois, in-home care costs an average of $5,339 per month, which is more than the national average of $4,957 per month, according to Genworth’s 2021 Cost of Care Survey. Comparing the cost of in-home care in neighboring states, Indiana and Missouri seniors pay around the same costs at $4,767 per month, and Wisconsin and Iowa seniors pay an average of $5,529 monthly.

$5339

Illinois

$4957

The United States

$4767

Indiana

$4767

Missouri

$5529

Wisconsin

$5529

Iowa

The average cost for non-medical home care varies throughout the state of Illinois, with the median monthly cost at $5,672 in Chicago. Peoria and Bloomington seniors pay an average monthly fee of $5,053, while Springfield seniors pay $5,100. Danville has one of the highest costs for in-home care in the state, at $8,818 per month, while older adults who choose to retire in Carbondale pay around $4,576.

$5672

Chicago

$5053

Peoria

$5100

Springfield

$5053

Bloomington

$8818

Danville

$4576

Carbondale

Long-term care is often a necessity for seniors who require assistance with daily living tasks. While there are several options to choose from, long-term care is often decided on by cost and the type of services provided. Seniors who own their own homes may opt for in-home care or home health care, which both cost around $5,339 per month in Illinois. Adult day health care, which provides general care in a supervised environment only during daytime hours, is the least expensive option at $1,885 per month. Assisted living, which offers varying degrees of assistance, costs around $4,488. A semiprivate room in a nursing home costs approximately $6,266 per month. This type of long-term care provides the most supervised medical care with skilled nursing, therapy and doctors’ visits.

$5339

In-Home Care

$5339

Home Health Care

$6266

Nursing Home Care

$4488

Assisted Living

$1855

Adult Day Health Care

Does Medicaid Cover Home Care in Illinois?

Because in-home care doesn’t provide any type of medical services, it isn’t covered by traditional Illinois Medicaid. Instead, there are four waiver programs that provide financial assistance to seniors who choose in-home care. These programs include the Supportive Living Program (SLP), HealthChoice Illinois, Persons Who are Elderly and Managed Long-term Service and Supports. These waivers are considered home and community-based service waiver programs that allow seniors to remain in their homes instead of being admitted into a nursing home or other institution. The waivers are for seniors with similar needs, but they each provide different services. Individuals must meet all eligibility requirements, which are typically defined by citizenship and income. 

Home Care Waiver Programs in Illinois

For seniors with limited financial resources, several waivers and programs help pay for some services offered in-home care. While these waivers won’t assist with the cost of housing or utilities, they do provide help with most daily care.

Waiver
Contact<
Description

(800) 226-0768

The SLP serves as an alternative to nursing home care for seniors on low incomes who prefer to live independently and take part in the decision-making process involving their own care. The SLP pays for services such as homemaking, laundry, medication assistance, social and fitness activities and meals. The program is open to all seniors aged 65 and older and those 22 and older with a disability who require nursing home care.

(877) 912-8880

HealthChoice Illinois is a health partner plan through the Department of Healthcare and Family Services that provides guidance to seniors with personal care coordination and when making health choices. The service provides a 24-hour nursing helpline. Program enrollment is open to all Medicaid recipients.

(800) 226-0768

The Persons Who are Elderly program helps pay for in-home services, adult day services and emergency response systems for seniors aged 60 and older who are Medicaid-eligible and at risk of being placed into nursing home care.

(800) 226-0768

The Managed Long-Term Service and Supports program is for seniors and individuals with disabilities who wish to opt out of the Medicaid-Medicare alignment initiative and choose a health plan to better suit their needs. The plan covers the waiver services provided at home, including a personal assistant, housekeeping, adult day care and home emergency response systems.

How to Know if You’re Eligible for Medicaid in Illinois

The income eligibility limits for seniors applying for Medicaid coverage in Illinois are $13,596 per year for a single applicant and $18,312 for a two-person household. Assets for an individual can’t exceed more than $2,000 and for a two-person household, the amount can’t exceed $3,000.

2022 Medicaid Income Limits for Seniors in Illinois

Income Limits*

Asset Limits

Single Person

$13,596

$2,000

Two-Person Household

$18,312

$3,000

 *per year

Additional eligibility requirements for Medicaid benefits include:

  • 65 years of age or older
  • Resident of Illinois
  • U.S. citizen or permanent resident
  • Require nursing home level of care

How to Apply for Medicaid in Illinois

Seniors may apply for Illinois Medicaid online or through any local Department of Health Services office. Applications may also be taken over the phone by calling (800) 843-6154. To apply by mail, download the application for medical benefits and mail the completed application to the local Department of Health Services.

What Information You Will Need

  • Government-issued photo ID
  • Social Security card for all applicants
  • Copies of health and life insurance cards
  • Birth certificates or naturalization papers for immigrants
  • Marriage license (for married couples)
  • Proof of veteran’s benefits
  • Retirement awards letters
  • Proof of income for the past 30 days
  • Bank statements for the past 30 days
  • Proof of property ownership
  • Last five years’ income tax returns

How to Get Help Applying for Medicaid

Additional information is available to seniors who apply for Illinois Medicaid. Older adults and their families may also get answers to the most common Medicaid questions.

Contact
Area Served
Services Provided

(800) 843-6154

Nationwide

Benefits.gov is a federal website dedicated to helping seniors navigate the Medicaid application process and get help locating additional state and national benefit programs. The site provides a brief program overview, including eligibility and contact information.

(312) 341-1070

Statewide

Illinois Legal Aid provides answers to common questions throughout the Medicaid application process. Legal Aid can also assist seniors when filing for application appeals and when reporting insurance fraud.

(877) 805-5312

Statewide

Get Care Illinois provides a brief overview of Medicaid, eligibility and the application process. The site also explains how to apply for other state benefits, including food stamps, financial assistance and Medicare savings.

Does Medicare Cover In-Home Care in Illinois?

In general, Medicare does not cover the cost of non-medical home care. That being said, there are situations in which Medicare provides some coverage for medical home care, referred to as “Home Healthcare.” There are several eligibility restrictions for coverage, including that individuals must be homebound and have a referral from their doctor specifically for home healthcare services.

Below is an overview of some of the skilled medical professionals whose in-home services are typically covered by Medicare – for more in-depth information, refer to our Guide to Home Healthcare.

  • Physical Therapists: Physical therapy is used to help patients recover from injuries (broken bones, knee injuries, etc.), treat ongoing conditions such as arthritis, and assist in recovery from surgeries and procedures such as a knee or hip replacement.
  • Visiting Nurses: Licensed nurses can provide a number of medical services for those who don’t need to stay in the hospital, but do need regular medical services such as wound care, changing feeding tubes, etc.
  • Occupational Therapists: Occupational therapists help seniors regain or maintain the ability to accomplish normal, daily tasks, such as bathing, dressing, eating, and other daily activities.
  • Speech Therapists: Speech therapists help seniors who are struggling to adequately communicate due to a stroke, dementia, or any other cause regain the ability to functionally communicate using a variety of means. Additionally, speech therapists help to keep seniors independent by modifying diets, teaching special techniques to swallow safely, and retraining associated muscles.

As mentioned above, in-home care is distinctly different from home healthcare. But, there can be some overlap in services between the two types of care. So, while Medicare doesn’t cover non-medical in-home care, there are in-home care services that may be covered in special circumstances when they’re provided in conjunction with home healthcare (such as an occupational therapist helping with eating or dressing)

Other Financial Assistance Options for In-Home Care in Illinois

While the above programs help many people finance in-home care, they will not cover all costs for everyone. There are other ways to pay for in-home care, including out-of-pocket arrangements with siblings, annuities, reverse mortgages, private insurance and more. Read Caring.com’s Guide to In-Home Care Costs to learn more about these alternative payment options.

Free and Low-Cost Resources for Seniors in Illinois

Seniors who prefer to age in place can get help improving their quality of life through a variety of programs and services. These include activities to keep seniors mobile and engaged, hot meals, home repairs, discounts and information on topics relevant to older adults.

Contact
Area Served
Services Provided

(800) 252-8966

Statewide

Illinois Aging Services is a resource network that connects seniors with programs and services available in their area. It also offers advice on Medicare, senior housing and transportation to and from doctors' visits. The website contains a list of over 200 service categories to help seniors address common needs.

(217) 785-2533

Statewide

IHWAP helps seniors on low incomes reduce energy costs by installing or replacing insulation, sealants, ventilation, heating and air units and hot water heaters. Eligibility is based on household incomes.

(877) 411-9276

Statewide

LIHEAP helps eligible seniors and families pay for home energy costs, especially during colder winter months. Seniors must have incomes that fall below 200% of the federal poverty level. The program may also pay in emergency situations when a senior is more than $250 in arrears, is being threatened with disconnection or has already been disconnected.

(618) 465-3298

Madison and St. Clair Counties

Homebound seniors who need assistance with meals may receive daily meal delivery through Senior Services Plus. The service is available to those aged 60 and older or those with disabilities.

(800) 252-8966

Statewide

Illinois offers a variety of senior centers throughout every county in the state. These centers provide a wide range of programs and services for older adults. Services include congregate meals, transportation, education, counseling, legal assistance, health screening, fitness opportunities and regular outings.

COVID-19 Rules for In-Home Care Providers in Illinois

With the exception of individuals who qualify for an exemption, all in-home care workers must be fully vaccinated against SARS-CoV-2, often referred to as COVID-19. Both in-home care and home health workers are included in these regulations. These rules went into effect in April 2022 but are subject to change. Because state and federal agencies can implement changes at any given time, it’s important to check with your local Area Agency on Aging for the most up-to-date information on vaccination rules and health and safety standards. Local agencies can also answer any questions or concerns involving COVID-19 and safety precautions. 

In-Home Care Laws and Regulations in Illinois

The Health Care Facilities and Programs division of the Illinois Department of Public Health is responsible for licensing and regulating the agencies that provide in-home care services to seniors. The division also conducts investigations and inspections as deemed necessary to ensure that each agency stays in compliance with state regulations. Here is an overview of the rules and regulations that pertain to home services agencies in the state:

In-Home Care Laws and Regulations in Illinois
Scope of Care
Home services agencies in Illinois may provide a range of nonmedical services. Agency workers may assist clients with activities of daily living, provide personal care and perform housekeeping, laundry and cooking duties. Workers may also provide companionship, help a client maintain household records and act as an escort for shopping, medical appointments and other outings.
Care Plan Requirements
Agencies must develop a service plan in consultation with a client and their representative that outlines the services to be provided. It must include the type, level and scope of services, list the client's physician's name and note any functional limitations, medications and treatments being received and the individual's activity level and mental status.
Medication Management Requirements
Agency workers may provide medication reminders and assistance with self-administration, but may not administer medications.
Staff Screening Requirements
Home services agencies must perform a criminal background check before hiring a worker, and check the state's Nurse Aide registry for any history of abuse, neglect or property theft.
Staff Training Requirements
Workers must be given a competency evaluation when they are first hired, and then receive eight hours of relevant training every 12 months.
Medicaid Coverage
Illinois Medicaid offers three programs that may cover some or all of the cost of in-home care. Seniors may be eligible for assistance through HealthChoice Illinois, the Medicare-Medicaid Alignment Initiative or the Community Care Program.
Reporting Abuse
Reports of suspected abuse, neglect or exploitation of a senior aged 60 or older may be made by calling the Illinois Adult Protective Services hotline at 866-800-1409.

Frequently Asked Questions

How Much Does In-Home Care Cost in Illinois?

The cost of in-home care in Illinois averages $4,481 per month, according to the 2019 Genworth Cost of Care Survey. This is only slightly less than the cost of home health care that includes skilled nursing services, which averages $4,576 per month.

Are There Transportation Assistance Programs in Illinois?

The Illinois Department on Aging allocates funds to approved agencies throughout the state to be used for senior transportation programs. Seniors should contact a provider in their area to learn whether there are financial and/or functional requirements to qualify and how to arrange services.

Are There Programs to Cover Home Modifications in Illinois?

Funding for home accessibility and safety modifications is provided to nonprofit organizations and local government agencies by the Illinois Housing Development Authority. These Home Accessibility Program grants are available to low-income residents aged 60 and older from approved sources across the state.

What Types of Services Does a Home Care Aide Provide?

Home services agency workers in Illinois may provide various nonmedical services, such as assisting with personal care, planning and preparing meals and performing housekeeping and laundry chores. Workers may also provide companionship and medication reminders and help a senior run errands or attend appointments.

What Are Activities of Daily Living?

Activities of daily living, also called ADLs, are the routine self-care tasks an individual completes every day. ADLs include personal hygiene and grooming tasks, getting dressed and undressed, using the bathroom, walking/moving and eating. They are not the same as more complex instrumental activities of daily living.

How to Find an In-Home Care Provider in Illinois

Whether you are looking for yourself or a loved one, finding a quality home care provider can be a stressful process. When you hire an in-home care aide you’re placing a lot of trust in the hands of the person by inviting them into your home, so you’ll want to be diligent in your search. At Caring.com, we’re here to help – we’ve created a helpful checklist below that can help guide you through the process of both determining your needs and finding a home care agency that will provide the best care possible.

Finding a Home Care Provider Checklist

Find Home Care Agencies Near You

To find quality home care providers near you, simply input the zip code or city where you would like to start your search. We have an extensive directory of home care agencies all across the nation that includes in-depth information about each provider and hundreds of thousands of reviews from seniors and their loved ones.

BrightStar Care North Suburban Chicago

950 Skokie Blvd., Ste 300, Northbrook, IL, 60062

My caregivers helped me the most by helping me transfer in and out of the bed. They made the trip possible. I liked that they were on time and provided all the services I needed. They were excellent … (read more)
My caregivers helped me the most by helping me transfer in and out of the bed. They made the trip possible. I liked that they were on time and provided all the services I needed. They were excellent … (read more)

2018, 2019, 2020, 2021, 2022

Right at Home North Shore/Chicago Metro

8424 Skokie Blvd Suite #212, Skokie, IL, 60077

Rosemary is great, but my father is resistant to getting care, but she is doing a great job for all of us. I like that they have been very responsive and the caregiver has been excellent.
Rosemary is great, but my father is resistant to getting care, but she is doing a great job for all of us. I like that they have been very responsive and the caregiver has been excellent.

2019, 2020, 2021, 2022

Right at Home West Central Chicago

400 West Lake Street, Suite 112-C , Roselle, IL, 60172

They tried really hard to match my personality with who was coming. I like not only the workers, but the provider is absolutely wonderful.
They tried really hard to match my personality with who was coming. I like not only the workers, but the provider is absolutely wonderful.

2017, 2018, 2019, 2020, 2021, 2022

Home Instead – Skokie, IL

8822 Niles Center Rd, 2nd Floor, Skokie, IL, 60077

Home Instead went above and beyond my expectations when it came to caring for my terminally Ill father. From beginning to end, the communication level from everyone I encountered was exemplary, and e … (read more)
Home Instead went above and beyond my expectations when it came to caring for my terminally Ill father. From beginning to end, the communication level from everyone I encountered was exemplary, and e … (read more)

Open Arms Solutions

900 Skokie Boulevard, Suite 212, Northbrook, IL, 60062

Open Arms Solutions is an in-home care company helping seniors to live their best lives through inspired care at home. We are grateful to have served over 2000 families in the last 10 years and to sup … (read more)
Open Arms Solutions is an in-home care company helping seniors to live their best lives through inspired care at home. We are grateful to have served over 2000 families in the last 10 years and to sup … (read more)

2018

Right at Home Oak Park Chicago

7000 W. North Ave., Ste. 1A, Chicago, IL, 60707

They are with my wife so I can relax or go to errands. They can incorporate more activity with the caregiver.
They are with my wife so I can relax or go to errands. They can incorporate more activity with the caregiver.

2020

Seniors Helping Seniors – Chicago Metro North

4001 West Devon Ave, Ste. 328, Chicago, IL, 60646

Senior home care services to elderly residents throughout the Chicago area is just one beneficial aspect of our services. All of our helpers are also seniors themselves. They have a warmth and underst … (read more)
Senior home care services to elderly residents throughout the Chicago area is just one beneficial aspect of our services. All of our helpers are also seniors themselves. They have a warmth and underst … (read more)

2019, 2020, 2021

Home Instead – Oak Park, IL

6901 W. North Ave, Suite 1F, Oak Park, IL, 60302

Very helpful and caring with my wife. Pleasant and knowledgeable.
Very helpful and caring with my wife. Pleasant and knowledgeable.

2019, 2020

Home Instead – North & South Side Chicago, IL

4736 N Marine Dr, Chicago, IL, 60640

Staff provided good attentive service and helped with light housekeeping, watch while I showered, dressed. Most arrived on time and are friendly.
Staff provided good attentive service and helped with light housekeeping, watch while I showered, dressed. Most arrived on time and are friendly.

2020, 2021, 2022

Home Instead – Des Plaines, IL

2340 S River Rd, Suite 105, Des Plaines, IL, 60018

Lovely, dependable caregivers! And very supportive, responsive office staff!
Lovely, dependable caregivers! And very supportive, responsive office staff!

2020, 2022

Home Instead – Chicago, IL

2835 N Sheffield Ave, Suite 407, Chicago, IL, 60657

We only had Home Instead with my dad for a short time before he passed away, but I cannot say enough wonderful things about them. We were in a huge hurry to secure 24 hour care and Home Instead made i … (read more)
We only had Home Instead with my dad for a short time before he passed away, but I cannot say enough wonderful things about them. We were in a huge hurry to secure 24 hour care and Home Instead made i … (read more)

2017

Homewatch CareGivers Serving Chicago Land and The Northshore

900 Skokie Blvd, Suite 126, Northbrook, IL, 60062

Both caregivers and office staff are great! Phone calls are answered and responded to immediately. They are the best! I had past experience with another agency, and there is no comparison. Homewatch i … (read more)
Both caregivers and office staff are great! Phone calls are answered and responded to immediately. They are the best! I had past experience with another agency, and there is no comparison. Homewatch i … (read more)

2018, 2019

Home Instead – Palos Heights, IL

12416 S Harlem Ave, Suite 100, Palos Heights, IL, 60463

Agency has been very responsive to our added requests.
Agency has been very responsive to our added requests.

Home & Hearth Caregivers

122 Calendar Avenue, La Grange, IL, 60525

We had the absolute pleasure of working with Home and Hearth for 7 months. My mom was diagnosed with mild Alzheimer’s disease and it was no longer advisable for her to drive. We met with Teresa wh … (read more)
We had the absolute pleasure of working with Home and Hearth for 7 months. My mom was diagnosed with mild Alzheimer’s disease and it was no longer advisable for her to drive. We met with Teresa wh … (read more)

Living Spring Services LLC

7514 Skokie Blvd, Suite 6 , , Skokie, IL, 60077

At Living Spring Home Care Services, our mission is to improve the health and quality of life of seniors and adults with disabilities as we serve their needs with dignity, respect, responsiveness, and … (read more)
At Living Spring Home Care Services, our mission is to improve the health and quality of life of seniors and adults with disabilities as we serve their needs with dignity, respect, responsiveness, and … (read more)

Wisdom Eldercare

747 N Church Road, C-3, Elmhurst, IL, 60126

Since our inception in 1985, Wisdom Eldercare has been independently owned, locally operated and a trusted partner in offering outstanding caregivers and care management services for older adults in t … (read more)
Since our inception in 1985, Wisdom Eldercare has been independently owned, locally operated and a trusted partner in offering outstanding caregivers and care management services for older adults in t … (read more)

Senior Helpers of Chicago

1165 N. Clark Street Suite #410, Chicago, IL, 60610

About Senior Helpers Chicago <p></p> We help Senior’s live a better life in their own home. <p></p> Our goal at Senior Helpers is provide compassionate care and improve the quality of life for o … (read more)
About Senior Helpers Chicago <p></p> We help Senior’s live a better life in their own home. <p></p> Our goal at Senior Helpers is provide compassionate care and improve the quality of life for o … (read more)

Right Choice Home Care Inc. – Park Forest, IL

7244 Benton Dr., Frankfort, IL, 60423

We provide In-Home care and Homemaker services that are tailored to meet individual needs. A level of service that meets and exceeds the healthcare industry&#039; standard. Our services are provided b … (read more)
We provide In-Home care and Homemaker services that are tailored to meet individual needs. A level of service that meets and exceeds the healthcare industry&#039; standard. Our services are provided b … (read more)

Home Instead – LaGrange, IL

475 W 55th St, Suite 105, La Grange, IL, 60525

We’re utilizing Home Instead through the VA which offers 12 hours per week to care for our newly home bound father in end stage Parkinson’s Disease. The loving, compassionate services offered from si … (read more)
We’re utilizing Home Instead through the VA which offers 12 hours per week to care for our newly home bound father in end stage Parkinson’s Disease. The loving, compassionate services offered from si … (read more)

SYNERGY HomeCare of Southwest Chicago

10220 S Cicero Ave, Suite 204 , Oak Lawn, IL, 60453

They don’t encourage the client to take a shower when they come in. They just go with the notes instead of trying strategies to persuade him to take a shower. Everything else, as far as cleaning and p … (read more)
They don’t encourage the client to take a shower when they come in. They just go with the notes instead of trying strategies to persuade him to take a shower. Everything else, as far as cleaning and p … (read more)

Home Care Services in Illinois (491)