The 10 Best Home Care Agencies for Seniors in Elmhurst, IL for 2024
Home to almost 46,000 people, seniors make up 16.5% of Elmhurst’s local population. This is similar to the state and national figures of 16.6% and 16.8%, respectively. Illinois doesn’t tax most retirement income, which can help offset the higher costs of living. Elmhurst has low crime rates, is well-connected by major highways and is 20 minutes from Chicago O’Hare International Airport. The city offers easy access to health care, and the regionally ranking Elmhurst Hospital is high-performing in one adult specialty and nine conditions and procedures. On average, Elmhurst seniors pay $5,672 for home care services, which include personal care and domestic assistance. Home health care is more appropriate for those who need medical care.
Below we’ve compiled a comprehensive directory of every home care provider in the Elmhurst 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 Elmhurst, IL
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What you can do with Caring
Paying for Home Care in Elmhurst, IL
The Cost of Home Care in Elmhurst, IL
According to Genworth’s 2021 Cost of Care Survey, Elmhurst’s average home care cost is $5,672. This is more than $300 per month costlier than the state average of $5,339. It’s also $715 pricier than the U.S. median monthly rate of $4,957. Northwest of Elmhurst in Rockford, seniors pay a similar fee of $5,625 per month. To the south in Kankakee, the average monthly price drops to $5,148. Continuing south, Danville sees a significant increase to $8,818.
Elmhurst
$5,672
Illinois
$5,339
The United States
$4,957
Kankakee
$5,148
Rockford
$5,625
Danville
$8,818
The Cost of Home Care vs. Other Senior Care Options in Elmhurst, IL
Older adults in Elmhurst have several care options, depending on their needs, preferences and finances. At $1,842 per month, adult day health care is the most affordable choice. Assisted living communities charge around $4,825 each month and, with a comparable level of care, home care is slightly costlier at $5,672. Home health care, which includes skilled nursing and therapy, costs around $5,762. Nursing home care is the most expensive option, with average monthly rates of $6,996 for a 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 Elmhurst was unavailable, so data for the nearest city, Chicago, was used instead.
Financial Assistance for Home Care in Elmhurst, 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 Elmhurst, IL
Senior citizens in Elmhurst have access to a wide range of free and affordable resources to help them age at home. Programs include home-delivered meals, transportation services, home repairs and legal advice. Contact the below organizations and agencies for further information.
Resource | Contact | Service |
---|---|---|
AgeGuide Northeastern Illinois | (630) 293-5990 | Acting as an Area Agency on Aging, AgeGuide provides diverse services for adults aged 60 and older in DuPage County and nearby areas. Trained advisors cover topics including housing and care options, Medicare, Medicaid, public benefits and fraud. Programs include health and fitness education, caregiver support, digital inclusion and social engagement initiatives. |
DuPage Senior Citizens Council (DSCC) | (630) 620-0804 | DSCC supports seniors aging in place. It runs nine congregate meal sites, delivers meals and assists seniors with companion animals through its pet-care program. The friendly visits and phone call programs prevent social isolation and check on seniors' well-being. Practical assistance includes affordable minor home repairs, safety installations and yard cleanups. |
City of Elmhurst Senior Services | (630) 530-3000 | Seniors can apply for utility tax rebates and property tax exemptions via the City of Elmhurst. Those aged 65 or older can obtain discounts on vehicle stickers and the organization subsidizes public transportation for older residents. |
Elmhurst Public Library | (630) 279-8696 | Elmhurst Public Library offers free in-person and virtual classes for seniors, ranging from technology and food shopping to fitness and budgeting. Housebound seniors can arrange home delivery of books, CDs, audiobooks and other library items. |
Prairie State Legal Services | (815) 965-2134 | The nonprofit Prairie State Legal Services provides free civil legal assistance to people aged 60 and above and low-income individuals who live in northern Illinois. Legal areas include elder abuse, powers of attorney, home care services, public benefits, tax and discrimination, and the organization operates an eviction help hotline. |
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.
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.