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

Located just 20 miles and across the state border from St. Lewis, MO, the village of Shiloh, IL, is a quaint, quiet environment just a short drive from major urban amenities. Nearly 15,000 residents, 14.7% of whom are seniors aged 65 years and older, call Shiloh home, benefiting from the lower-than-average cost of living, low housing costs and very low crime rates. Those with health concerns can rest assured that quality care is available nearby at BJC Memorial Hospital East in town. Seniors aging in place in Shiloh also have access to services at home. In-home care offers nonmedical personal care, while home health care also provides access to skilled nursing; both average the same cost of $5,482 monthly.

Below we've compiled a comprehensive directory of every home care provider in the Shiloh 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.

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Home Care Agencies in Shiloh, IL

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Paying for Home Care in Shiloh, IL

The Cost of Home Care in Shiloh, IL

According to the 2021 Genworth Cost of Care Survey, in Shiloh, seniors pay $5,482 monthly for home care services. This is higher than the Illinois median of $5,339 and around $500 more than the national norm. However, many surrounding areas in the state are more affordable. In Springfield and Peoria, seniors can save $382 and $429, respectively. More affordable care can be found in Decatur, where care averages $4,767, and in Carbondale, where prices drop to an average of $4,576 monthly. 

Shiloh

$5,482

Illinois

$5,339

United States

$4,957

Carbondale

$4,576

Springfield

$5,100

Decatur

$4,767

Peoria

$5,053

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

Both nonmedical home care and medical home health care in Shiloh share the same monthly average of $5,482. These prices are high for local senior care, with only nursing home stays costing a bit more at $5,627. Seniors who want to be around peers and need access to around-the-clock personal care assistance may prefer an assisted living community, averaging $4,100 monthly. Furthermore, budget-conscious seniors who wish to continue living at home but need daytime care while a caregiver works may opt for adult day health care, which averages just $1,918 per month.

Home Care

$5,482

Home Health Care

$5,482

Adult Day Health Care

$1,918

Assisted Living

$4,100

Nursing Home Care (semiprivate room)

$5,627

Note: Data for Shiloh was unavailable, so data for the nearest city, St. Louis, MO, was used instead.

Financial Assistance for Home Care in Shiloh, 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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

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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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