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The 10 Best Home Care Agencies for Seniors in Addison, IL for 2024

Addison is a DuPage County village with a reputation for being a homey place with a strong sense of community. According to the 2020 Census, 15.6% of its 35,702 residents are aged 65+, which is a little below the national average. It has a vibrant social scene, as the numerous restaurants and coffee shops occupying its tree-lined streets testify. There are also several well-regarded medical facilities within easy reach, including Elmhurst Hospital, and nationally ranked facilities nearby in Chicago, such as Northwestern Memorial Hospital. Many home care agencies provide non-medical services in Addison, typically charging $5,672 per month. These shouldn’t be confused with home health care agencies, which specialize in home-appropriate medical services.

Below we’ve compiled a comprehensive directory of every home care provider in the Addison 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.

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Home Care Agencies in Addison, IL

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Paying for Home Care in Addison, IL

The Cost of Home Care in Addison, IL

The 2021 Genworth Cost of Care Survey shows Addison’s seniors typically pay an additional $333 per month for home care services when compared to the median for Illinois and $715 when set against the U.S. average. Consequently, the town is costlier than normal, although not comparable with cities such as Danville, where the average fee is $8,818. At $5,625, Rockford is more affordable than Addison, although the monthly savings of $47 might not be enough to tempt seniors north. Kankakee’s $5,148 might, though, as it equates to an annual savings of around $6,288.

Addison

$5,672

Illinois

$5,339

The United States

$4,957

Rockford

$5,625

Kankakee

$5,148

Danville

$8,818

The Cost of Home Care vs. Other Senior Care Options in Addison, IL

Home health care’s provision of medical care adds another $48 to the $5,672 average that home care agencies charge for their non-medical services. Adult day health care facilities are Addison’s most affordable option, at $1,842, while assisted living is the least costly option providing accommodations and care, at $4,825. Nursing home care is the most expensive, costing an average of $6,996 for a standard semiprivate room.

Home Care

$5,672

Home Health Care

$5,720

Adult Day Health Care

$1,842

Assisted Living Facility

$4,825

Nursing Home Facility (semiprivate room)

$6,996

Note: Data for Addison was unavailable, so data for the nearest city, Chicago, was used instead. 

Financial Assistance for Home Care in Addison, IL

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 Addison, IL

Addison’s seniors residing at home can access many free and low-cost services to help them overcome common difficulties, such as the cost of making their home more energy-efficient and getting fresh and nutritious meals. There is also support for those with unmanageable utility bills and seniors eligible for tax reductions on their homes. 

ResourceContactService
Meals on Wheels(630) 620-0804DuPage Senior Citizens Council operates a home-delivered meals program for residents aged 60 and over who struggle to prepare their own food and don't have anyone who can help regularly. The program caters to various diets, including vegetarian, diabetic and puréed. The volunteer drivers also make wellness checks at the time of delivery. Although meals are free, the program asks seniors and their families to donate what they can to cover remaining costs after funding.
Low Income Home Energy Assistance Program(630) 407-6500The federal Low Income Home Energy Assistance Program provides a one-time payment to eligible Addison residents to help cover some of their energy costs. It's paid during winter and is available to homeowners and renters. Applicants can also apply to join the Percentage of Income Payment Plan, which can help them manage energy costs throughout the year. The plan contributes a portion toward the senior's energy bills every month.
Senior Homestead Exemption(630) 530-8161Adults aged 65 and older in Addison who own and reside in their homes are eligible for the Senior Homestead Exemption. As of 2022, it reduces the assessed value of their homes by $5,000, consequently reducing the amount of property tax they need to pay. Adults eligible for the exemption with combined annual household gross incomes of no more than $55,000 also qualify for the Senior Assessment Freeze Homestead Exemption.
Illinois Home Weatherization Assistance Program(630) 407-6500The Illinois Home Weatherization Assistance Program can reduce the cost of heating and cooling the homes of renters and homeowners in Addison on low incomes. It can also upgrade houses that violate building codes and those with structural issues that endanger the occupants. The annual income of the entire household determines eligibility. It cannot be more than 150% of the federal poverty level if state funds are used or 200% if the funding is by DOE and HHS. Work typically carried out includes insulating attics, repairing HVAC equipment and sealing sources of air leaks.

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.

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.

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Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Frequently Asked Questions

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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

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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