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The 5 Best Home Care Agencies for Seniors in Freeport, IL for 2024

Last Updated: June 5, 2024 - Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Freeport, IL, residents and their loved ones rate In Home Care agencies across the 6 options below.

Home Care Services in Freeport, Illinois

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Paying for Home Care in Freeport, IL

The Cost of Home Care in Freeport, IL

Freeport seniors pay approximately $5,626 for in-home care based on the Genworth Cost of Care Survey. This is $287 more than the state’s average and $669 more than the national median. It’s fairly close to Chicago’s average of $5,672. The most costly city for in-home care in Illinois is Danville, which has an average of $8,818, while the most affordable option is Carbondale, which averages $4,576 a month. In Champaign in central Illinois, the average sits at $5,196

Freeport

$5,626

Illinois

$5,339

United States

$4,957

Chicago

$5,672

Champaign

$5,196

Danville

$8,818

Carbondale

$4,576

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

Seniors have multiple choices for care in Freeport. The cost of home health care, which includes nursing care from licensed professionals in the senior’s home, is $5,625, which is the same as the cost of nonmedical home care. The most affordable option is adult day health care, which averages $1,801 a month. Seniors who choose assisted living pay a monthly average of $5,250. The most costly choice is nursing home care, averaging $7,445 a month for a semiprivate room.

Home Care

$5,625

Home Health Care

$5,625

Adult Day Health

$1,801

Assisted Living

$5,250

Nursing Home Care (semiprivate room)

$7,445

Note: Data for Freeport was unavailable, so data for the nearest city, Rockford, was used instead.

Financial Assistance for Home Care in Freeport, 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 Freeport, IL

Seniors in Freeport have a number of programs and services from local organizations that will help them remain independent at home. These free and low-cost services address concerns such as nutrition, energy bills and finances.

ResourceContactService
FHN Meals on Wheels(815) 599-6752The FHN Hospital is responsible for the Meals on Wheels program in Freeport, which delivers one meal each weekday to people in the city limits. There is a small cost of up to $4 per meal. Participants need a physician’s diet order to apply.
FHN Mobile Pantry Program(815) 599-6752The FHN Mobile Pantry is a partnership between the hospital and Northern Illinois Food Bank to provide produce, milk, eggs and shelf-stable or frozen meats delivered directly to people’s homes on a routine basis.
Senior Resource Center(815) 235-9777The Senior Resource Center helps all of Stephenson County connect with services for older adults. In addition to providing social activities and education, the Center oversees the Community Care Program, which helps seniors find programs to help them stay independent at home, including a free in-home chore service.
Illinois Low Income Heating & Energy Assistance Program(815) 232-3141Through this program, low-income seniors can get assistance paying their heating and cooling bills. The program sends a one-time utility payment for heat and electric service directly to the provider.
Illinois Home Weatherization Assistance Program(815) 232-3141This program assists low-income seniors with making energy-saving changes to their homes. This might include sealing the home, adding insulation, repairing or replacing the HVAC system or addressing water heater issues.

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 – often times 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

In Home Care near Freeport, IL

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Other Options in Freeport, IL

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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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