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The 10 Best Home Care Agencies for Seniors in South Elgin, 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 South Elgin, IL, residents and their loved ones rate In Home Care agencies 3.5 out of 5 stars across the 26 options below.

Home Care Services in South Elgin, Illinois

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Paying for Home Care in South Elgin, IL

The Cost of Home Care in South Elgin, IL

Home care in South Elgin costs $5,672 per month, which is around $330 more than the state average of $5,339 and $700 more than the national average of $4,957. South Elgin’s home care costs rank on the high end compared to other Illinois cities.  Its residents pay around $50 more per month than residents in the Michigan City area and in Rockford. Costs in Kankakee, about an hour south of Chicago, are less than in South Elgin by more than $500.

South Elgin

$5,672

Illinois

$5,339

The United States

$4,957

Rockford

$5,625

Kankakee

$5,148

Michigan City

$5,625

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

Comparing the costs of different senior care options in South Elgin, home care is about $50 less per month than home health care and about $850 more than an assisted living facility. At only $1,842 per month on average, adult day health care is the cheapest home care option for seniors in South Elgin. The costliest option is a nursing home, where a semiprivate room averages $6,996 per month.

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 South Elgin was unavailable, so data for the nearest city, Chicago, was used instead.

Financial Assistance for Home Care in South Elgin, 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 South Elgin, IL

Many seniors in South Elgin wish to age in place, but this can often present challenges when certain tasks and daily living activities become difficult to complete. The following table provides a small sample of free and low-cost home care resources that help seniors retain their independence for as long as possible. 

ResourceContactService
TRIAD(847) 741-2045TRIAD is a law enforcement program for seniors who live in Elgin and St. Charles Townships that is designed to make seniors feel safe in the community. The program offers regular seminars for seniors and hosts an annual picnic.
Community Care Program (CCP) (800) 252-8966The Community Care Program (CCP) offered through the Department of Aging is designed for seniors who wish to remain in their homes. It includes access to homemaker services, home delivered meals, transportation options and case management, in addition to other programs that help seniors pay for prescriptions and property taxes.
Illinois Home Weatherization Assistance Program (IHWAP) (217) 785-2533Low-income seniors can use the Illinois Home Weatherization Assistance Program (IHWAP) to pay for more efficient appliances or receive assistance with late utility bills. The program also helps seniors weatherize their homes. To qualify, seniors must have a combined household income below 150% of the poverty level.

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

Frequently Asked Questions

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.

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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 South Elgin, IL

ElginWayneBartlettSaint CharlesSt. CharlesStreamwood

Other Options in South Elgin, 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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