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

In Calumet City, seniors make up about 14% of the population of 36,000 residents, which is modest compared to the national senior community of about 17%. Despite the city’s relatively young population, there is a range of benefits for older adults who want to remain in their own homes throughout their retirement years. There are no hospitals in the city proper, but its proximity to Chicago provides easy access to Swedish Hospital, along with Pinnacle Hospital in Crown Point. On average, seniors in Calumet City pay $5,672 per month for home care, which includes services, such as housekeeping and personal care. Home health care, which also includes skilled nursing, is a little costlier.

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

Home Care Agencies in Calumet City, IL

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Paying for Home Care in Calumet City, IL

The Cost of Home Care in Calumet City, IL 

In Calumet City, home care rates come in at $5,672 compared to respective state and national averages of $5,339 and $4,957. Seniors in Decatur pay much lower rates of $4,767 per month, and in Bloomington, fees average $5,053. In Kankakee, seniors pay $5,148 for care. Rates in Calumet City are affordable compared to care costs in Danville, where seniors pay $8,818. 

Calumet City

$5,672

Illinois

$5,339

The United States

$4,957

Kankakee

$5,148

Bloomington

$5,053

Decatur

$4,767

Danville

$8,818

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

In Calumet City, seniors pay $5,672 for in-home care. Home health care, which is also provided in the home but includes additional specialized services, is a little more expensive at $5,720. Older adults who want to live at home and save money on care may consider adult day health care, which is thousands of dollars cheaper at $1,842. Assisted living is another cost-effective alternative, providing personal care services, housing and meals for $4,825 monthly. Nursing home care is the costliest local option at $6,996 per month. 

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 Calumet City was unavailable, so data for the nearest city, Chicago, was used instead.  

Financial Assistance for Home Care in Calumet City, 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 Calumet City, IL

The Calumet City region is home to numerous nonprofit organizations that administer free and low-cost supportive programs for seniors, enabling them to safely age in place. Through the following resources, older adults can connect with meal delivery services, transportation assistance and case management.  

ResourceContactService
AgeOptions (708) 383-0258 AgeOptions is the designated Area Agency on Aging for Calumet City and the surrounding region. It administers a range of programs for those aged 60 and over to help them maintain as much independence as possible. Through the agency, seniors can enroll in the Homemaker Service through the Illinois Community Care Program, which provides in-home care for income-qualifying individuals. The agency also provides transportation services, housing assistance, care coordination and benefits counseling, and it has specialists who can help seniors transition out of nursing homes and back into their houses.  
Meals on Wheels of Northern Illinois(312) 967-4666 Meals on Wheels is a nonprofit organization that supports seniors’ independence by providing home-delivered meals. Participants are able to receive up to seven meals a week, plus three shelf-stable meals at the beginning of each winter in case inclement weather makes it impossible to provide a delivery one day. The organization also operates several congregate meal sites throughout its four-county region, including nine sites in Cook County.  
Community and Economic Development Association of Cook County, Inc.(800) 571-2332 CEDA is the Community Action Partnership in the Calumet City region. This organization provides a range of services to income-qualified individuals in the area, which may help older adults remain in their homes. It has several utility bill assistance programs, including Gas & Electric Assistance, Furnace Repair and Replacement and Water Assistance. It also provides home repair solutions to help seniors reduce their energy costs and make their homes more comfortable and energy-efficient through the Home Weatherization Program. 
Illinois 2112-1-1 Illinois 211 is a free information and referral service seniors can call for personalized help with locating community-based services that may help them age in place. Through this service, older adults can connect with transportation services, home-delivered meals and care management, as well as durable medical equipment loan programs and wellness services. 

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.

Download
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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