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The 10 Best Home Care Agencies for Seniors in Kane County, 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 Kane County, IL, residents and their loved ones rate In Home Care agencies 4.7 out of 5 stars across the 100 options below.

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Paying for Home Care in Kane County, IL

The Cost of Home Care in Kane County, IL

Home care in Kane County is more affordable than the Illinois average, which is about $300 higher, but slightly less affordable than the national average, which is around $100 lower. In Chicago, care costs around $600 more and in the eastern part of the state, in Danville, home care is by far the least affordable in the state, costing around $8,818 per month. In the city of Peoria, the average cost of care is equal to that of Kane County and in Champaign, seniors typically pay around $150 more for home care.

Kane County

$5,053

Illinois

$5,339

United States

$4,957

Peoria

$5,053

Champaign

$5,196

Chicago

$5,672

Danville

$8,818

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

The cost of home care is typically around $100 cheaper than assisted living care in Kane County. For seniors who require medical assistance at home, home health aide costs around the same as home care. Home care includes assistance with personal care tasks whereas home health care offers light medical support, such as medication management and physical therapy. For the comprehensive care that a nursing home provides, a semiprivate room typically costs around $1,900 more than home care.

Home Care

$5,053

Home Health Care

$5,077

Assisted Living Facility

$5,160

Nursing Home Facility (semiprivate room)

$6,965

Note: Data for Kane County was unavailable, so data for the nearest city, Bloomington, was used instead.

Financial Assistance for Home Care in Kane County, 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.

Kane County Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Kane County:

ResourceContactAddressService
Senior Service Associates(847) 741-0404 (Elgin); (630) 897-4035 (Aurora)101 S. Grove Avenue, Elgin, IL 60120This nonprofit agency, which works in conjunction with the Area Agency on Aging, helps seniors in Kane County find information on community care programs, low- or no-cost accessible transportation options and senior-specific legal services. Its free services are open to those 60 years of age and over. In addition to its main office in Elgin, the organization also operates an Aurora office.
Friendly Visiting Program(847) 741-0404101 S. Grove Avenue, Elgin, IL 60120A free program organized by Senior Service Associates, the SCP matches volunteers with seniors in need of social contact. Volunteers and their seniors connect once a week for shared shopping trips, card games, meals and other activities. A related initiative, the Senior Canine Companion Program, brings therapy dogs to homebound seniors once a week for visits of up to one hour. 
Illinois Home Weatherization Assistance Program(217) 785-2533100 W. Randolph Street, Suite 3-400, Chicago, IL 60601This federally funded state-run program works to help participants lower their energy bills through a combination of home improvement services. Among other energy-saving approaches, IHWAP funds can be used to replace or repair old water heaters and HVAC systems, install attic insulation and update large energy-inefficient appliances such as refrigerators with modern models. The program can provide up to $15,000 in repair and weatherization assistance per eligible home, though household income limits apply.
Prairie State Legal Services(630) 232-94151024 West Main Street, Saint Charles, IL 60174Seniors in Kane County can contact this nonprofit law firm for free legal advice concerning senior-related matters, including those involving landlord and family disputes, public benefits, elder abuse and financial exploitation, and disability accommodations. There are no income requirements or restrictions for these services, which are open to all citizens 60 years of age and older.

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

Reviews of Communities Nearby

Home Care

Denise G_7

I am a current client of this provider

Review of Visiting Angels - South Elgin

I live out of town, and knowing she is being cared for has been the most helpful. I like that they are reliable. My mom loves her caregiver.

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Home Care

Virginia V_2

I am a past client of this provider

Review of Visiting Angels - South Elgin

The caregivers helped her with her shower. I liked that the caregivers recorded feedback everyday.

Read more

Home Care

Kimberly K_2

I am a current client of this provider

Review of Visiting Angels - South Elgin

The caregivers help by doing everything I ask. They play games and do exercises with her. I like that both of the caregivers are professional and caring.

Read more

In Home Care near Kane County, 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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