The Best Home Care Agencies for Seniors in Kane County, IL for 2025

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.

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.

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.