The Best Home Care Agencies for Seniors in Calumet City, IL for 2025

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. 

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. 

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.